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Or FactSheet 080610 RR

Or FactSheet 080610 RR

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Health Care Facts: Oregon
Page 1 of 3
National Coalition on Health Care
June 2010
DEMOGRAPHY
The Patient Protection and
Affordable Care Act (ACA) was
enacted on March 23, 2010.
Successful implementation requires
cooperation between key
stakeholders, federal and state
agencies, and reform advocacy
organizations. Because the fifty
states vary greatly, each state’s
implementation process will be
unique.
In 2009, Oregon’s population was
estimated to be 3,825,657.1
Percent of Population in Oregonper Race / Ethnic Group
While
the state’s population is primarily
White, there are communities with
substantial racial diversity, which
will present Oregon with varying
challenges as it strives to
implement health reform that
works for all residents.
2
*Others include American Indian, Alaska Native, Asian, Native Hawaiian, and other
Pacific Islanders.
OREGON AND THE UNINSURED: HOW WILL THE AFFORDABLE CARE ACT HELP?
While 83.4% of all Oregon residents have health insurance, over 626,200 individuals remain uninsured,3
including about 11.3% of Oregon’s children4 and almost 21% of the state’s working population.5
ACA is designed to address these concerns by providing affordable access to health insurance coverage
to those individuals who would otherwise be unable to obtain coverage, and to extend current benefits
and services provided by Medicaid (a federal and state funded public insurance program that provides
health insurance coverage for low-income and disabled individuals and families).
NEW BENEFITS UNDER ACA: THE EFFECTS IN OREGON
Insurance
Coverage
ACA establishes new requirements for private health insurers in order to make health
care plans more accessible to the public. These requirements include the following:
Effective Immediately: Plans must cover certain preventive health services, such as
vaccines and screenings, without a co-pay.
80.0
2.011.0
5.3
White (Non-Hispanic)
Black
Hispanic
Other*
Health Reform Facts: Oregon
Health Care Facts: Oregon
Page 2 of 3
National Coalition on Health Care
June 2010
Effective September 2010:
Insurers will not be allowed to drop any insured person because he/she gets
sick or develops a chronic health condition. In addition, ACA allows individuals
to renew health insurance coverage regardless of their health status.
Individuals up to the age of 26 can choose to be covered under their parents’
insurance plan.
Effective January 2014:
Under the “guaranteed issue” provision, an insurer must accept every
employer and individual in the state that applies for coverage.
Insurers cannot exclude people from coverage if they have a pre-existing
condition (e.g., asthma, diabetes, or any other long-term condition) or past
illness.
All insurers will be required to offer a coverage package that offers essential
benefits.
Small
Business
Assistance
Effective Immediately: ACA makes tax credits available to qualifying small businesses to
help them afford coverage for their employees. These tax credits could total up to 50% of
a business’s health insurance premiums. In 2008, Oregon had over 77,468 small
businesses,6 which represented almost 78% of the state’s employers.7
Health
Insurance
Exchanges
Effective January 2014: ACA requires that states create an insurance market “exchange”
– a marketplace where people will be able to compare and shop for health insurance.
This will make access to health plans easier and more efficient. U.S. citizens, legal
immigrants, and small businesses will be able to purchase insurance through these
exchanges.
Tax Credits
for
Individuals
Effective January 2014: ACA provides a tax credit to qualified individuals so that they may
purchase health insurance through the exchanges. Qualification for the tax credit will be
based on the individual’s household income and his/her number of dependents. A
person who earns between 133% and 400% of the federal poverty level8
High-Risk
Insurance
Pools
may be eligible
for individual tax credits.
Effective July 2010: High-risk pools are designed to provide health insurance coverage to
people who were previously uninsurable due to a pre-existing condition. The Department
of Health and Human Services (HHS) will allocate approximately $66 million for Oregon to
implement a high-risk pool that complies with ACA’s requirements.9 The high-risk pool
may provide services to approximately 6,700 Oregonians, while also saving the state $65
million over the next three years.10
Expansion
of
Medicaid
Oregon chose to administer the federally funded
high-risk pool alongside the already existing Oregon Medical Insurance Pool.
Effective January 2014: ACA contains provisions that will create new eligibility
requirements for Medicaid. For example, adults under the age of 65 earning less than
133% of the federal poverty level, may be eligible to apply regardless of whether they
have children. It is estimated that approximately 294,600 Oregon residents may be

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