Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform

Abstract

Background

Uninsurance for young adults (YAs) was greatly reduced by the Affordable Care Act (ACA). However, reforms may not be equally beneficial for all YAs and certain policies may exacerbate, rather than resolve, pre-existing disparities.

Objective

To investigate inequalities in YAs’ insurance coverage pre- (2000–2010) and post-federal health reforms (dependent coverage expansion, 2010–2013, and Medicaid/Marketplace expansions, 2014–2016), among a nationally representative sample.

Design

A difference-in-differences estimator (controlling for sociodemographics) was used to determine the effects of the ACA for young adults (ages 19–25) compared to adolescents (ages 13–18) and older YA (ages 26–30) counterparts; triple-difference estimators quantified differential policy effects by sociodemographics.

Participants

Three hundred eighty-seven thousand six hundred thirty-five participants in the 2000–2016 National Health Interview Survey.

Main Measures

Respondents reported their health insurance coverage types during the last 12 months, reasons uninsured, and detailed sociodemographics.

Key Results

An adjusted difference-in-differences estimator quantified a 12.3 percentage point increase (p < 0.0001) in full-year coverage post-ACA for YAs compared to older counterparts, driven by increases in employer-sponsored private insurance while younger and older youth saw larger gains in Medicaid coverage. Triple-difference estimators identified subgroups experiencing less beneficial dependent coverage expansion effects, including females, lower socioeconomic status, non-citizens, non-English speakers, and several racial/ethnic minority groups. Later ACA reforms (Marketplace/Medicaid expansions) mitigated many of these widening disparities.

Conclusion

While the ACA significantly impacted YA insurance coverage, these gains were not of equal magnitude for all YAs and disparities remain. As such, more work needs to be done to ensure optimal and equitable access to high-quality, affordable insurance for all YAs.

INTRODUCTION

Since the implementation of the Patient Protection and Affordable Care Act (ACA) in 2010, the overall uninsured rate in the United States (US) decreased to an all-time low. By 2016, the uninsured rate among all Americans dropped to 9% and to 10.4% for those under the age of 65.1 As young adults (YAs, ages 19–25) traditionally experienced the highest rates of uninsurance compared to both younger and older counterparts,2,3 the ACA included specific provisions to address the unique coverage needs of YAs. The dependent coverage expansion provision, which allowed young adults to remain on their parents’ insurance plans until they turn age 26, led to a decrease in the number of YAs without health insurance4 and allowed many YAs to obtain employer-sponsored insurance (ESI) coverage post-implementation.5 However, in the 7 years since the ACA has been implemented, it is unclear if coverage has improved equally for all YAs, including those of lower socioeconomic status (SES) who may be less likely to benefit from these policies. Yet, YAs who may not be able to take advantage of the dependent coverage provision may still have new, affordable coverage options via the ACA’s Medicaid expansion6 or through the health insurance exchanges (Marketplaces).

Though there is some evidence on disparities in insurance coverage gains post-reform7,8,9,10,11,12,13—including one study that characterized racial/ethnicity disparities for YAs14—knowledge gaps remain regarding the magnitude and direction (i.e., widening vs. shrinking) of inequalities across several vulnerable groups and the extent to which specific reform policies may differentially affect coverage options and uptake among subgroups. To address these gaps, the purpose of this study is to investigate inequalities in health insurance coverage among YAs pre- and post-implementation of specific provisions of the ACA and to quantify disparities among hypothesized vulnerable subgroups.

METHODS

Data Source and Population

Data are from the National Health Interview Survey (NHIS), which collects health information annually for a nationally representative, cross-sectional sample of the civilian, non-institutionalized population in the US; we obtained NHIS data from the IPUMS database.15 Our sample included 387,635 adolescents/young adults, ages 13–30 years, who were interviewed in one of 17 NHIS years, from 2000 to 2016, and had complete data for outcomes of interest. As data are already collected and de-identified, this study was deemed exempt by Institutional Review Board.

Measures

Health Insurance

NHIS respondents report their current health insurance coverage at the time of the survey, followed by detailed questions about each coverage type (including follow-up questions to evaluate the reliability of the reported coverage and to adjudicate conflicting information) and duration of coverage during the past 12 months. We created several summary measures of insurance coverage during the past 12 months, including time with coverage (full-year insured, partial-year insured, full-year uninsured) and type of coverage (e.g., private coverage, government/public coverage), relying on Current Population Survey definitions to operationalize coverage types.16 We further investigated the type of coverage by source (e.g., employer-sponsored insurance, insurance obtained through the health insurance exchanges, Medicaid, etc.) and reasons for lack of insurance among those without coverage at the time of the survey. Beginning in 2014, several new questions were added to capture health care coverage obtained through the Health Insurance Marketplace or state-based exchanges; insurance obtained through Marketplaces was treated as non-group market coverage. In 2011, questions were added to clarify the relationship of the covered individual to the policyholder (e.g., dependent); we evaluated the magnitude of policy effects on employer-sponsored coverage generally and that provided specifically to a dependent beneficiary.

Sociodemographics

We compiled data on several sociodemographic characteristics, including sex, detailed race/ethnicity, citizenship status (born in the US, legal/naturalized citizens, non-citizens, unreported), interview language (English only, any other language, unreported), educational attainment (we preferentially used highest parental education; most respondents reported their parents’ attainment and relied on own educational attainment when parent information was absent), total combined income of all family members as a percentage of the federal poverty level (FPL), US region of residence (Northeast, Midwest, South, West), and special health care needs. Detailed race/ethnicity categories included White (non-Hispanic, nH), Black (nH), Chinese (nH), Filipino (nH), Asian Indian (nH), other Asian (nH), American Indian/Alaska Native (nH), other race (nH), multiple races (nH), Mexican-Americans (the largest Hispanic subgroup), and other Hispanic. We identified individuals who reported any limitation in one or more activities assessed by the NHIS (e.g., activities of daily living, cognitive impairment) as having a special health care need (SHCN). Despite a more narrow conceptualization of health care needs (which does not necessarily include every respondent with a chronic medical condition), we used this definition because it was available for all respondents and consistently assessed across the range of ages included in our target population (i.e., both ≤ 17 years and ≥ 18 years).

Analytic Approach

We employed a pre-post comparison design, basing periods on the survey interview dates to isolate a pre-reform period prior to enactment of the ACA (Jan 2000–Feb 2010), a period capturing enactment of the dependent coverage expansion (DCE) provision of the ACA (Mar 2010–Dec 2013),Footnote 1 and a period capturing subsequent establishment of health insurance exchanges (Marketplaces) and expansion of Medicaid (Jan 2014–Dec 2016). Because we were interested in full-year coverage as an outcome, we tested the inclusion/exclusion of a 1-year run-in period at the beginning of each post-reform window; results were consistent across this specification and models adjusting for the run-in period are shown.

We used a difference-in-differences (DID) estimator to determine federal policy effects on insurance coverage for young adults (YAs, ages 19–25) compared against both adolescents (ages 13–18) and older young adults (ages 26–30) separately. All models additionally adjusted for age, year, sex, race/ethnicity, citizenship status, language, education, income, region, and SHCN. We further utilized a triple-difference, or difference-in-difference-in-differences (DDD), estimator to investigate the potential for effect heterogeneity of reform effects across individual characteristics. Specifically, we evaluated the possibility of interactions between the DID estimator and several sociodemographics to estimate if the magnitude of policy effects varied by these sociodemographic characteristics (e.g., if the policy effect was greater for males vs. females). We compared annual trends in coverage outcomes in the pre-reform period (testing the parallel trends assumption) by age, finding no evidence of differences for non-group market coverage or Medicaid coverage but converging trends for employer-sponsored coverage.

We employed binary or multinomial logistic regression to model insurance coverage outcomes; all regression models adjusted for aforementioned sociodemographic characteristics. Marginal predicted probabilities were output from regression models and used to convey the absolute magnitude of policy effects; the cumulative ACA change was calculated by summing the post-dependent coverage change and post-expansion change (both relative to pre-ACA). All analyses accounted for the complex, multistage probability sampling design of the NHIS, incorporating stratification, clustering, and unequal household selection probabilities. Descriptive statistics for sample characteristics and sociodemographics by age groups are shown in Appendix Table 2.

RESULTS

From 2000 to 2016, the unadjusted prevalence of full-year insurance coverage among adolescents (ages 13–18) increased by 8.1 percentage points (pp) and by 6.2 pp for older YAs (ages 26–30) while coverage increased by 20.5 pp for YAs (Fig. 1; all p < 0.0001). Correspondingly, there were precipitous drops in full-year uninsurance among YAs (20.8% in 2000 to 8.2% in 2016, ptrend < 0.0001) and partial-year coverage (18.8% in 2000 to 11.0% in 2016, ptrend < 0.0001). Adjusted analyses revealed that the dependent coverage expansion was associated with an 8.6 pp increase in full-year coverage for YAs, compared to a 3.3 pp decrease for older YAs during the same period (DID + 11.9 pp for YAs vs. older YAs, all p < 0.0001, Table 1); YA coverage gains corresponded to a 4.9 pp and 3.3 pp reduction in partial-year coverage and full-year uninsurance, respectively (both p < 0.0001, data not shown). Increases in employer-sponsored private insurance drove coverage gains for YAs (+ 13.0 pp post-DCE, Table 1; + 14.8 pp for employer-sponsored dependent coverage, data not shown) while adolescents and older YAs saw larger gains in Medicaid coverage post-expansion (Table 1). Post-ACA, YAs saw a 6.6 pp reduction in reporting a lack of insurance due to age ineligibility (or because of leaving school) but this endorsement simultaneously increased among older YAs; similar findings were observed for uninsurance due to a major life event. While there were sizable reductions in citing cost as a reason for being uninsured across all ages, YAs experienced lesser reductions (4.2 pp) than did their younger and older counterparts (13.3 pp and 6.9 pp, respectively).

Figure 1
figure1figure1

a–c Health insurance coverage by age, 2000–2016. Points depict unadjusted prevalence of health insurance coverage by age group (ages 19–25 years in orange and ages 26–30 years in blue) during the study period (2000–2016). Full-year coverage; partial-year coverage; full-year uninsured; full-year private; full-year employer-sponsored insurance; full-year non-group market coverage, including coverage obtained on the health insurance exchanges; and full-year Medicaid coverage are shown.

Table 1 Health Reform Effects on Health Insurance Coverage

Investigation into potential reform effect heterogeneity (Fig. 2) revealed that males saw greater improvements in full-year insurance than females—helping to close the prior gap in coverage—but several subgroups experienced significantly smaller (i.e., less beneficial) dependent coverage expansion effects, including lower SES (education and income), non-US citizens, those whose primary language was not English, and several minority groups. In some cases, these differential effects resulted in widening inequalities in coverage for YA post-DCE (e.g., 7.2 pp exacerbation for Black non-Hispanic, 9.2 pp exacerbation for those with some college but no degree, and approximately 6 to 9 pp exacerbation for those making < 200% FPL); though in many cases of exacerbation in inequalities post-DCE, differences were at least partially mitigated by subsequent gains from Marketplace and Medicaid expansions (e.g., 3.3 pp improvement for Black non-Hispanic, 4.6 pp improvement for those with some college but no degree, and approximately 9 to 14 pp improvement for those making < 200% FPL).

Figure 2
figure2figure2

a–d Magnitude of policy effects on full-year insurance by sociodemographics. Marginal predicted probabilities of full-year health insurance coverage for youth ages 19–25 years across reform periods were output from fully adjusted multivariate triple-difference models; adjusted probability (colored bar) and the associated 95% confidence intervals (error bars) for youth ages 19–25 overall and by selected sociodemographic characteristics are presented in the figure. The table below shows the absolute policy effects (difference in marginal probabilities) for ages 19–25 between the post-dependent coverage expansion (DCE) and pre-reform periods (DCE Effect), the post-all expansions (Exp+) and post-DCE periods (incremental Exp+ Effect), and post-Exp+ and pre-reform periods (Total Affordable Care Act, ACA, Effect). Additionally, period-specific inequities were calculated as the difference in marginal probabilities between each subgroup vs. the reference level (e.g., pre-reform inequity of − 7.03% in panel a describes that full-year insurance coverage was 7.03 percentage points lower for Mexican-Americans compared to their White, non-Hispanic counterparts, ages 19–25 years, during the pre-reform period). Inequities that diverge from zero (moving from pre- to post-reform) are increasing, while inequities that converge to zero are decreasing. AIAN, American Indian/Alaska Native.

DISCUSSION

During a period of substantial federal health reform, groups at peak risk for “falling through the cracks” exhibited substantial absolute gains in insurance coverage. Nevertheless, some gains were not uniform across groups. Rather our data suggest widening inequities in private coverage for minority YAs, non-citizens, YAs speaking English as a second language, those without a college degree, and YAs in families making < 300% FPL, while shrinking for males and YAs without SHCN. Later ACA reforms, including Medicaid and Marketplace expansions, appear to be critically important for providing alternative coverage sources for vulnerable groups and mitigating inequities that grew with the dependent coverage expansion. Findings suggest that continued attention and advocacy regarding new/remaining disparities, particularly among socioeconomically vulnerable and minority YAs, is warranted post-reform.

A known caveat to the federal dependent coverage expansion is that only YAs whose parent(s)/guardian(s) have access to an affordable, private/commercial insurance plan stand to benefit from this policy.17 Our findings support the hypothesis that the salutary effects of the dependent coverage expansion were indeed smaller for YAs who may be less likely to have access to affordable family coverage. For instance, less efficacious policy effects were noted for YAs in lower income families, potentially because the inclusion of a YA dependent would substantially raise their family’s premium or because they lacked access to any family policy. Even with the “family glitch” (families’ eligibility for Marketplace subsidies is based on premiums associated with an individual- rather than family-level ESI policy) potentially diminishing the availability of dependent coverage options for lower SES YAs, Marketplaces may contemporaneously help to mollify this barrier to affordable private coverage for YAs who apply for subsidized coverage on their own (and thus would not be penalized for their parents’ income). Yet, poor understanding of health insurance and confusion in navigating this new platform may still lessen this potential benefit for YAs,18 perhaps explaining why YAs saw smaller gains in non-group market coverage than older YAs.

Medicaid expansions also had the potential to provide new coverage options for many lower income YAs, and we find that these later policies resulted in small gains in Medicaid coverage for YAs (but these gains were also smaller than those for older YAs). Even though the overall coverage gains for YAs due to later reforms were relatively small, these policies (Marketplaces and Medicaid expansion) played an important role in counteracting the widening of disparities that emerged after dependent coverage expansion. In fact, the only subgroups that experienced a substantial widening of disparities after these later expansions were YAs in the Midwest and South, both regions of the country where states were least likely to expand Medicaid or implement robust state-based health insurance exchanges. Together, these findings highlight the utility of these later policies for closing coverage gaps that were unintentionally introduced by an otherwise helpful policy. Beneficial impacts notwithstanding, universal coverage exists as a uniform solution for equalizing access to coverage rather than continuing piecemeal policies each designed to expand access to a different coverage source and with varying success in doing so equitably.

Existing evidence identified that dependent coverage expansion policies may provide financial protection for YAs19,20,21,22 and are associated with positive gains in access to care and some health outcomes8,23,24,25,26,27,28,29 and additional research has shown similar Medicaid expansion effects.6,30 Although all youths were less likely to cite cost as a reason for being uninsured post-reform, we observed a greater reduction in cost-related uninsurance for adolescents and older YAs than for YAs, and these effects were primarily observed in the early post-reform period. Co-occurring ACA provisions (e.g., preventing insurers from denying children coverage because of pre-existing conditions or restrictions on annual and lifetime coverage limits) may be responsible for these gains, but given that these effects do not persist for YAs in the later reform period, it may be more likely that they are the result of general economic gains post-recession. Still, as private coverage may not fully protect against a high cost burden, particularly for lower income families,31,32,33 the specific impact of the ACA’s consumer protection provisions on access to both insurance and care for YAs warrants further investigation.

Despite the gains in coverage, allowing YAs to maintain dependent coverage may have unintended negative consequences—namely, a delayed “adulting cliff.” We found a substantial reduction in lack of insurance because of age eligibility or a major life event for YA post-reform but a corresponding increase in reporting those same reasons for older YA post-reform. As the dependent coverage expansion allows youths to maintain coverage until age 26, those who previously may have been dropped from their family plan at 22 may still experience insurance loss but only now delayed until age 26—pushing YAs off the “adulting cliff” at a slightly later age but perhaps when they are no less prepared to obtain coverage independently. Because of the cross-sectional nature of our data, we cannot assess exactly when youth lose their dependent coverage or the type of or ease with which they acquire coverage thereafter. Future work should address whether 26 is in fact the most appropriate termination age for dependent coverage expansion policies or if young adult health and access to care34,35 could be better served by extending this safety net further.

Finally, when interpreting disparity research, it is important to note both that lack of statistical differences for certain groups does not mean that disparities do not exist (simply that the un-confounded/independent effect of group membership is not the driver of the disparity), and that findings may exist on the absolute but not relative scale (or vice versa).36 Although we did not find that American Indians and Alaska Natives (AIAN, a population directly addressed in the ACA37) experienced a significantly different relative policy effect, this group still observed significantly lower rates of full-year insurance during the entire study period compared to their White counterparts. As such, our findings should not be interpreted to suggest that disparities have been eliminated for AIAN but rather that disparities may not be widening for this group as a whole. Further, because AIAN may be more likely to be of lower SES,38 this group may still experience widening disparities (causally) owing to their income or education, rather than resulting directly from their racial identity. The observed inequities in policy gains for other minorities are particularly concerning for these same reasons, as these groups may experience worse rates of coverage because of both their race/ethnicity and stemming from their socioeconomic situation, further compounding already precarious access to coverage.

Limitations

Several limitations should be considered when interpreting our findings. First, our data are cross-sectional and reflect insurance only over a 12-month period, so we do not have the ability to determine longitudinal changes in coverage that result from health reform. Thus, our study can provide new evidence about the impact of the ACA on full-year coverage but not on changes in coverage types over time. Second, given that this survey does not include the state of residence of participants for privacy reasons, we cannot identify individuals who lived in states that had previously enacted state-level dependent coverage expansions or that enacted Medicaid expansion; despite proxy adjustment using region of residence, we likely underestimate the specific policy effects for both the federal dependent coverage and Medicaid expansions. Finally, although we adjusted for several detailed sociodemographic characteristics, there may be other important factors (either between age groups or over time) whose omission from our models resulted in residual confounding. Despite these limitations, this investigation of inequalities in coverage gains for YA post-ACA represents a robust examination of detailed sociodemographic characteristics in order to isolate the drivers of disparities, thereby identifying opportunities for policy intervention.

CONCLUSION

We find evidence that federal health policy changes significantly impacted YA insurance coverage overall. Despite important absolute increases in rates of insurance coverage resulting from the ACA, these gains were not universally observed for all YAs, most notably including youth of lower socioeconomic status, and disparities in coverage remain. As such, more work involving both policy modifications and public health outreach needs to be done to ensure optimal and equitable access to high quality, affordable coverage for all YAs. Continued examination of long-term trends will be important for monitoring the impact of the ACA and any future health policies on YA coverage, access, and health.

Notes

  1. 1.

    Though the ACA’s dependent coverage expansion was enforced for non-grandfathered plans beginning or renewing on/after September 23, 2010, plans could voluntarily comply with these requirements prior to that date, so we began our post-dependent coverage period after the ACA was signed into law on March 23, 2010.

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Acknowledgments

We wish to thank the anonymous reviewers for their helpful comments which greatly improved the content of this paper. We presented earlier versions of the manuscript at the Society for General Internal Medicine meeting (Denver, 2018) and the Society for Adolescent Health and Medicine meeting (Seattle, 2018).

Support

This work was financially supported by the Office of Faculty Development (OFD)/Basic/Translational Executive Committee (BTREC)/Clinical and Translational Research Executive Committee (CTREC) Faculty Career Development Fellowship 400384 (PI: Wisk) and Agency for Healthcare Research and Quality K12HS022986 (PI: Finkelstein).

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Correspondence to Lauren E. Wisk PhD.

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Appendix

Appendix

Table 2 Sample Sociodemographics and Insurance Coverage, by Age

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Wisk, L.E., Sharma, N. Inequalities in Young Adult Health Insurance Coverage Post-federal Health Reform. J GEN INTERN MED 34, 65–74 (2019). https://doi.org/10.1007/s11606-018-4723-0

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KEY WORDS

  • insurance coverage
  • National Health Policy
  • health care disparities
  • adolescence
  • young adult