## Tuesday, February 7, 2017

### Months of Private Insurance Coverage in 2013 and 2014

Months of Private Insurance Coverage in 2013 and 2014

Question:   How did the opening of state exchanges impact the number of people with private insurance in 2014 compared to 2013?   What happened to total coverage months?   What happened to people with private insurance for the full year and to people with private insurance for part of the year?

Data and Methodology:  These questions were answered with tabulations generated from the MEPS 2014 and MEPS 2013 consolidated surveys.

The surveys have 12 questions, one for each month, on whether the person has private insurance coverage in each month.   The information presented in the tables below involve the total number of months each person has private insurance.

The weighting variables PERWT13F and PERWT14F were used to obtain sums for the entire population.

The Tabulations:  The estimates of the number of people covered by private insurance for k months for k equal to 0 to k =12 in 2013 and 2014 are presented above.

 Distribution of Months People Have Private Coverage in 2014 Number of Months Covered by Private Insurance Number of People Covered Total Premium Months 0 115,139,705 0 1 1,661,509 1,661,509 2 1,407,623 2,815,246 3 2,145,610 6,436,830 4 2,899,176 11,596,704 5 2,516,247 12,581,235 6 2,451,725 14,710,348 7 2,712,642 18,988,494 8 3,151,730 25,213,840 9 3,917,603 35,258,427 10 4,212,673 42,126,730 11 3,879,306 42,672,366 12 172,344,874 2,068,138,488 Total 318,440,423 2,282,200,217 % Part Year Coverage 15.2% 9.4%

 Distribution of Months People Have Private Coverage 2013 Number of Months Covered by Private Insurance Number of People Covered Total Premium Months 0 118,939,239 0 1 1,344,466 1,344,466 2 1,639,993 3,279,986 3 2,213,557 6,640,671 4 2,357,049 9,428,196 5 3,015,075 15,075,375 6 3,045,585 18,273,510 7 2,276,879 15,938,153 8 2,759,681 22,077,448 9 3,210,493 28,894,437 10 3,532,361 35,323,610 11 3,737,376 41,111,136 12 167,650,227 2,011,802,724 Total 315,721,981 2,209,189,712 % Part Year Coverage 14.8% 8.9%

Discussion of Changes in Coverage Statistics:

Here are some of the highlights of the 2013 and 2014 private insurance patterns side by side.

 Comparing Private Coverage in 2013 and 2014 2013 2014 % Diff. People with Private Coverage < 12 months 29,132,515 30,955,844 6.3% People With Private Coverage all 12 months 167,650,227 172,344,874 2.8% Total Months of Private Coverage 2,209,189,712 2,282,200,217 3.3%

Concluding Remarks:  2014 was the first year of state exchanges.   The ACA led to a substantial increase in the private insurance market.   However, some of the people that got coverage had coverage for less than 12 months.

The 2015 and 2016 surveys have yet to be released.   I hope the Trump Administration does not delay or block release of the 2015 and 2016 files.  This information is vital for the ACA discussion.