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Payment options that are available online are checking or savings account and debit or credit card. Remember to cut off the stub on your bill statement and send it together with your check or money order. Decreasing the number of uninsured is a key goal of the Affordable Care Act (ACA), which provides Medicaid coverage to many low-income individuals in states that expand and Marketplace subsidies for individuals below 400% poverty. The number of uninsured people increased from 2000 to 2010 due to decreasing employer sponsored insurance coverage and rising health care costs, and growth in the uninsured accelerated during recessionary periods when people lost their jobs.
As of 2014, the ACA expanded coverage to millions of previously uninsured people through the expansion of Medicaid eligibility and establishment of Health Insurance Marketplaces. Even under the ACA, many uninsured people cite the high cost of insurance as the main reason they lack coverage. The number of uninsured people increased throughout most of the past decade due to decreasing employer sponsored insurance coverage and rising health care costs. The share of the nonelderly population with employer-sponsored coverage declined steadily between 2000 and 2010, dropping nearly ten percentage points over the decade.1 In 2011, this trend ended as the share with employer-sponsored coverage held nearly constant at around 58% between 2011 and 2013. The share of people covered by Medicaid increased significantly during the recent recession due to the weak economy and loss of jobs, which led to declining family incomes and decreasing employer-sponsored coverage among families.
In 2013, the uninsured rate among nonelderly individuals was 16.7%, a level comparable to pre-recession uninsured rates (Figure 1). Under the ACA, as of 2014, Medicaid coverage is expanded to nearly all adults with incomes at or below 138% of poverty in states that expand, and tax credits are available for people who purchase coverage through a health insurance Marketplace.
Coverage gains from 2013 to 2014 were particularly large among poor and low-income individuals and people of color, groups that had high uninsured rates prior to 2014.
Most Americans obtain health insurance coverage through an employer, but not all workers are offered employer-sponsored coverage or, if offered, can afford their share of the premiums. Some individuals eligible for assistance may not sign up for coverage due to several factors, including lack of knowledge about their eligibility or enrollment barriers.
Undocumented immigrants are not eligible for Medicaid and are barred from purchasing coverage in the Marketplace.14 While lawfully-present immigrants under 400% FPL are eligible for Marketplace tax credits, only those who have passed a five-year waiting period after receiving qualified immigration status can qualify for Medicaid. Low-income working families make up over 40% of the remaining uninsured.15 Reflecting income and the availability of public coverage, people who live in the South or West are more likely to be uninsured.
As of the end of 2014, over seven in ten of the uninsured have at least one full-time worker in their family, and an additional 12% have a part-time worker in the family (Figure 5).
Individuals below poverty are at the highest risk of being uninsured (the poverty level for a family of three was $19,055 in 2014).
While a plurality (45%) of the uninsured are non-Hispanic Whites, people of color are at higher risk of being uninsured than non-Hispanic Whites. Uninsured rates vary by state and by region, with individuals living in the South and West the most likely to be uninsured (Figure 6 and Appendix Table A). Most people who remained uninsured in 2014 had been without coverage for long periods of time, with 29% reporting that they had been uninsured for one to five years, 24% reporting they had been uninsured for more than five years, and 18% reporting that they had never had coverage.17 People who have been without coverage for long periods may be particularly hard to reach in outreach and enrollment efforts.
Over a quarter of uninsured adults (27%) in 2014 went without needed care in the past year due to cost (Figure 7). Receiving needed care is especially important for the uninsured since they are generally not as healthy as those with private coverage. Medical bills can put great strain on the uninsured and threaten their physical and financial well-being. Uninsured low- and middle-income nonelderly adults were also much more likely than their insured counterparts to lack confidence in their ability to afford usual medical costs and major medical expenses or emergencies.
While millions of people have gained coverage under the ACA provisions that went into effect in 2014, over 32 million nonelderly individuals remained uninsured in 2014. Going without coverage can have serious health consequences for the uninsured because they receive less preventive care, and delayed care often results in more serious illness requiring advanced treatment. EndnotesKaiser Family Foundation analysis of the 2000-2012 National Health Interview Surveys. Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California. NJM Insurance Group is a leading insurance company operating primarily in the states of New Jersey and Pennsylvania. The Commerce Insurance Company is one of the prominent insurance companies in the United States.
To begin with, one shouldn’t miss a trip down Ellis Island, an important landmark in American history because it was the first piece of land immigrants would see on their arrival here.
For those who enjoy the outdoors, one of the best places to visit in New York is Central Park, this 843-acre green space full of beautiful landscapes and hidden histories. Take a stroll through West Village for a feel of the old New York and if you’re an art lover pay a visit to MoMA, a contemporary art center that holds artwork from all the modern masters. There are many interesting museums in New York, but really unique is Dialogue in the Dark, where visitors can experience a series of New York environments highlighted by scents, sounds, temperatures and textures in complete darkness, while being guided by blind or visually impaired guides. EACH suburban housewife, wrote Betty Friedan in 1963, struggles with a single question as she makes the beds, shops for groceries, chauffeurs children about and lies beside her husband at night: “Is this all?” A few years after her ground-breaking book “The Feminine Mystique” was published, the Census Bureau began collecting data on the proportion of mothers who opt to stay at home.
In 1967 the share of mothers who did not work outside the home stood at 49%; by the turn of the millennium it had dropped to just 23% (see chart 1). Taken as a whole, the group includes mothers at both ends of the social scale (see chart 2). The increase in stay-at-home mothering sits oddly with a second big trend affecting women’s lives: their relative success in the labour market. Men in “full-time” work do indeed make more than women, but this is partly because they work longer hours (full-time here means 35 or more hours a week). However, as the mid-terms loom, Democrats are anxious to turn out female voters, 55% of whom voted for Mr Obama in 2012. Policies that make it easier for women to stay in work after having children, should they choose to do so, would probably be more constructive. Next in LeadersXThe pope as a turnaround CEOThe Francis effectAbout to take over a crisis-ridden company with a demoralised workforce? The ACA’s major coverage provisions went into effect in January 2014 and led to significant coverage gains.

Public programs provided a safety net during the Great Recession and prevented many from becoming uninsured. The ACA also includes reforms to help people maintain coverage and make private insurance affordable and accessible. In 2014, 48% of uninsured adults said the main reason they were uninsured was because the cost was too high.
In 2014, over 8 in 10 were in a family with a worker, and over 5 in 10 have family income below 200% of poverty. Over a quarter of uninsured adults in 2014 (27%) went without needed medical care due to cost.
In 2014, nearly 36% of low- and middle-income uninsured adults said they had problems paying medical bills.
The recent recession led to a steep increase in uninsured rates from 2008 to 2010 as a high jobless rate led millions to lose their employer sponsored coverage. This break in trend was likely due to uptake of the ACA provision that allowed young adults to continue as dependents on parents’ private plans until age 26.
Between 2008 and 2013, over 11 million people—primarily children—gained Medicaid coverage.3 These gains offset some of the loss of employer coverage over the period.
Still, many uninsured individuals had been uninsured for long periods, often five years or more,4 indicating that their lack of coverage was related to forces outside the recession. Medicaid and the Children’s Health Insurance Program (CHIP) cover many low-income individuals, particularly children, and financial assistance for Marketplace coverage is available for many moderate-income people.
In 2014, 48% of uninsured adults said that the main reason they lacked coverage was because it was too expensive.
Among adults who were uninsured in fall 2014, 63% reported that they did not attempt to gain ACA coverage in 2014. Almost three quarters of uninsured workers (71%) are self-employed or work for firms that do not offer health benefits.9 Of those who do work for firms that offer coverage, the most common reason for remaining uninsured was that the coverage was unaffordable. In total, over eight in ten of the uninsured are in low- or moderate-income families, meaning they have incomes below 400% of poverty (Figure 5). Only emergency departments are required by federal law to screen and stabilize all individuals. These bills can quickly translate into medical debt since most of the uninsured have low or moderate incomes and have little, if any, savings.
Low- and middle-income nonelderly adults who remained uninsured in 2014 were twice as likely as those who gained coverage in 2014 and those who had coverage since before 2014 to have problems paying medical bills (Figure 8). Over two-thirds (68%) of the low- to middle-income uninsured are not confident that they can pay for the health care services they think they need, compared to 34% among the newly insured and 24% among the previously insured.35 The uninsured live with the knowledge that they may not be able to afford to pay for their family’s medical care, which can cause anxiety and potentially lead them to delay or forgo care. Many of these people are ineligible for ACA coverage, either because of their immigration status or because their state did not expand Medicaid.
Founded in 1952, the company operates in all 50 states in the country through more than 38,000 agents.
Established in 1912, the company offers a wide range of insurance products like auto insurance, home insurance, life insurance and more. Founded in 1931, the company offers a wide range of insurance products including auto insurance, renters insurance, home insurance and more. Whether your placing a claim with your insurance provider or paying out of pocket we can help you to take care of all your Auto Glass Needs. New York City is known as a center for culture and finance and as the largest gateway for immigration to the US.
The island is also home to another symbol of America, the Statue of Liberty, the bronze lady that was offered as a gift by the French when America won its independence.
On your trip here you can take a look at the model sailboats at the Conservatory Water, the Belvedere Castle atop Vista Rock or the Bow Bridge, one of the park’s most photographed locations. Though it’s not a tourist destination per se, Grand Central Station is still an impressive and lively building where you can get a feel of New York’s veins. Over the subsequent decades the statistics answered Friedan’s question with a heartfelt no. Immigrants, a rising share of the relevant generation, are more likely to be stay-at-home mums than women born in America.
Some are highly educated bankers’ wives who choose not to work because they don’t need the money and would rather spend their time hot-housing their toddlers so that they may one day get into Harvard. Pew estimates that there are 370,000 highly educated and affluent stay-at-home mothers (defined as married mothers with children under 18 who have at least a master’s degree and family income in excess of $75,000). If employers could really get the same work done for 77 cents on the dollar by hiring women, they would do so, and their shareholders would gleefully pocket the extra profits. Men also cluster in some of the better-paid professions: they are 87% of engineers but only 16% of teachers. America is unusual in not granting statutory paid maternity (or paternity) leave or providing much affordable child care. The number of uninsured nonelderly Americans in 2014 was 32 million, a decrease of nearly 9 million since 2013.
As the economy improved and early ACA provisions went into effect, the number of uninsured people declined slightly from 2010 to 2013.
Evidence through 2014 and the beginning of 2015 shows substantial gains in public and private insurance coverage and associated historic decreases in uninsured rates in the first full year of ACA coverage.
Many people do not have access to coverage through a job, and some people, particularly poor adults in states that did not expand Medicaid, remain ineligible for public coverage. Reflecting the more limited availability of public coverage in some states, adults are more likely to be uninsured than children.
Studies repeatedly demonstrate that the uninsured are less likely than those with insurance to receive preventive care and services for major health conditions and chronic diseases. Medicaid and CHIP prevented steeper drops in insurance coverage, as many Americans became newly eligible for these programs when their income declined during the recession. With the major ACA coverage provisions that went into effect in 2014, many are newly-insured. Data through early 2015 suggest that the ACA has helped expand coverage to millions of previously uninsured people, with historic drops in the uninsured rate.

Declines have continued into 2015, with preliminary data indicating an uninsured rate of 10.7% in the first quarter of 2015 (Figure 2), the lowest rate in decades. Among racial and ethnic groups, Hispanics and Blacks had the largest declines in uninsured rates, and all people of color generally had larger coverage gains than Whites. However, Medicaid eligibility for adults remains limited in some states, and few people can afford to purchase coverage on their own without financial assistance.
Eligibility is also a barrier: 12% of uninsured adults mentioned work-related reasons, such as being unemployed or not having an offer through work, and 13% said they were told they were ineligible or could not get coverage due to their immigration status. This variation reflects different economic conditions, state expansion status, availability of employer-based coverage, and demographics. Uninsured adults were also more likely to face negative consequences due to medical bills, such as using up savings, having difficulty paying for necessities, borrowing money, or having medical bills sent to collection. Others may be eligible but either do not know of the new coverage options, have had difficulty navigating the enrollment process, or opted not to take up coverage.
The ACA has helped to lower the number of uninsured Americans, but monitoring coverage changes, coverage affordability, and who is left out of coverage expansions is still important. We work with you and your insurance provider to help with filing your claim to handling all the paperwork for you.
If planning a trip there, looking for places to visit in New York is quite an easy task as both the city and state offer numerous attractions to tourists all over the world. And if you’re interested in history, pay a visit tot the Ellis Island Immigration Museum as well. Instead, the proportion of stay-at-home mothers has been rising steadily for the past 15 years, according to new data crunched by the Pew Research Centre.
There is an economic component to the change, too: at the end of the 1990s, when mothers staying at home were at their rarest, the economy was creating so many jobs that most people who wanted work could find it. Others are poorer but calculate that, after paying for child care, the money they make sweeping floors or serving burgers does not justify the time away from their little ones. Women lost just one job during the recession for every 2.6 jobs lost by men, according to the Bureau of Labour Statistics (though men have since staged a recovery).
Overall labour-force participation (for both sexes) has been declining since 2000, but for men it has fallen faster (from 75% to 69%) than for women (60% to 57%).
Both policies were recommended by a commission headed by Eleanor Roosevelt shortly before “The Feminine Mystique” was published, but have been largely ignored. This fact sheet describes trends in coverage leading up to and after the ACA expansions, examines the characteristics of the uninsured population, and summarizes the access and financial implications of not having coverage.
From 2011 to 2013, uninsured rates dropped slightly as the economy improved and early provisions expanding coverage under the ACA went into effect. Coverage gains were particularly large among low-income people living in states that expanded Medicaid.
Children, who already had a low uninsured rate due to relatively higher eligibility levels for public coverage, experienced a small decline in the uninsured, while the uninsured rate among nonelderly adults dropped significantly. In addition, uninsured rates dropped across states that chose to expand Medicaid and states that chose not to expand Medicaid, but they dropped more in expansion states (see Appendix for state-by-state data on changes in the uninsured rate).
Some people who are eligible for coverage under the ACA may not know they can get help, and others may still find the cost of coverage prohibitive.
Few uninsured adults said they were uninsured because they do not need coverage, oppose the ACA, or would rather pay the penalty (Figure 4). The disparity in insurance coverage is especially high for Hispanics, who account for 19% of the total population but more than a third (34%) of the uninsured population.
Affordability of coverage, even with the availability of financial assistance, remains a barrier to insurance, with remaining uninsured adults naming cost as an ongoing major reason for not being insured.
We accept their pricing so you pay nothing out of pocket with qualifying insurance coverage.
Nonetheless, at this point we should mention that any thought of traveling abroad should be followed by a consideration for your safety, and that of your family.
Next stop on the greatest places to visit in New York is the Empire State Building, icon of the city since 1931.
Now more report that they are unable to do so, or are studying in the hope of finding work later.
One-third of stay-at-home mothers are single or cohabiting, and on average they are poorer than the rest. At the highly skilled end of the jobs market, women are in a strong position: they earn 57% of all bachelor’s degrees awarded by universities. In 40% of households with children a woman is now the primary breadwinner, though in most of those cases (26% of the total) that is because she is the only one. Most important, men are far less likely than women to take hefty career breaks when children arrive. Undocumented immigrants are ineligible for coverage through either Medicaid or the Marketplace. But there is also an element of choice: a quarter of stay-at-home mothers have college degrees. Single, childless women earn 95 cents for every dollar a single, childless man makes, which is hardly the stuff of campaign slogans. Those passionate about celebrities and historical figures can also find the Madame Tussaud’s Museum near the Empire State Building.
The industries where the government expects the most employment growth between now and 2022, such as health care and hospitality, are mostly dominated by women.
Unless men become more like women, the argument goes, changes in the structure of the economy will consign many of them to futures as indolent sperm donors.

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