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A Closer Look at Health Insurance

Coverage Estimates


By Joseph Antos and James C. Capretta


November 2016


The main objective of the Affordable Care Act (ACA) was to increase enrollment in health
insurance among those who were previously uninsured. Official estimates from the Census
Bureau have consistently overstated the number of people who are uninsured. A major factor
in the overestimate is the undercount of people in Medicaid. Also, millions of Americans have
been officially uninsured despite their eligibility for public insurance or employer coverage.
With the passage of the ACA, fewer than 10 percent of the remaining uninsured do not have a
realistic path to securing health insurance. The future of the ACA is now uncertain, but any
future policy changes will likely need to provide a sure path to insurance coverage for all
Americans as well.


How many people are uninsured? That is a
remarkably difficult question to answer. Reducing
the number of people without health insurance
coverage is an important policy goal, but there are
various ways to define and measure health
insurance status. Consequently, various statistics
are reported that give partial and sometimes
misleading impressions of our success in
promoting health insurance for all Americans.
Consider the following.

   In September 2009, President Barack
   Obama delivered an address to a joint
   session of Congress on health care reform
   in which he said, There are now more than
   30 million American citizens who cannot
   get coverage (Obama 2009). The next day,
   the Census Bureau reported that 46 million
   people were uninsured in 2oo8, the most
   recent year for which data were available
   (DeNavas-Walt, Proctor, and Smith 2009).


* President Obama's 2009 address was a
  statement of his policy goal to provide
  health insurance to 30 million people.
  Seven years later, the Affordable Care Act
  (ACA) is being hailed as a success for
  reducing the number of uninsured to 29
  million people in 2015, according to the
  most recent estimates from the Census
  Bureau (Barnett and Vornovitsky 2016).

* The Census Bureau estimated that there
  were 48 million uninsured in 2012, but only
  42 million in 2013, even though very little
  changed in terms of policy or the state of
  the economy during that two-year period.
  (The main provisions of the ACA did not
  go into effect until 2014.)

* Between 2013 and 2016, Medicaid enrollment
  increased, and thus the number of uninsured
  decreased, by 2.8 million people in states
  that did not expand their Medicaid programs
  (Gates et al. 2016).

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