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COVID & Unemployment

Losing a job hasn’t translated to losing health care — so far

Samantha Fields Dec 16, 2020
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Doctors test hospital staff at a triage center in New York early in the pandemic. Misha Friedman/Getty Images
COVID & Unemployment

Losing a job hasn’t translated to losing health care — so far

Samantha Fields Dec 16, 2020
Heard on:
Doctors test hospital staff at a triage center in New York early in the pandemic. Misha Friedman/Getty Images
HTML EMBED:
COPY

Open enrollment for health insurance ended Tuesday in the 36 states that use the federal marketplace HealthCare.gov. 

Other states and Washington, D.C., have later deadlines.

And it’ll be a while before we have final numbers, but early indications are that the number of new people signing up for health coverage was about the same as last year. Despite the fact that millions of people lost their jobs this year — and presumably the health care that came with them.

Given what we know right now, the number of people who’ve lost health insurance in the pandemic is actually lower than experts worried it might be. Karen Pollitz of the Kaiser Family Foundation said one reason is “most of the people who have lost jobs during the pandemic didn’t have health insurance to begin with.”

Because their jobs in restaurants, retail and hospitality didn’t offer it. 

Pollitz said many of those who did lose coverage through employers were able to replace it.

“People have been figuring out if they did lose job based coverage and if they still make too much for Medicaid, but they did have a qualifying event, they’re figuring out how to sign up for marketplace coverage,” Pollitz said.

That means the Affordable Care Act is working as intended, said Aviva Aron-Dine of the Center on Budget and Policy Priorities. 

“And protecting people who have lost their jobs lost their coverage from becoming uninsured,” Aron-Dine said.

There are still about 29 million people who are uninsured. Many are eligible for free or low-cost coverage and just don’t know it. 

Kavita Patel, a doctor in Washington D.C. and a fellow at the Brookings Institution, had an uninsured patient come in a couple of weeks ago.

“And when I said, ‘Have you looked into whether you qualify for Medicaid or potentially even a subsidy to buy health insurance?’ And she said, ‘I have no idea what you’re talking about,'” Patel said.

That’s common, she said, in large part, because the Trump administration almost eliminated funding for open enrollment marketing.

COVID-19 Economy FAQs

What are the details of President Joe Biden’s coronavirus relief plan?

The $1.9 trillion plan would aim to speed up the vaccine rollout and provide financial help to individuals, states and local governments and businesses. Called the “American Rescue Plan,” the legislative proposal would meet Biden’s goal of administering 100 million vaccines by the 100th day of his administration, while advancing his objective of reopening most schools by the spring. It would also include $1,400 checks for most Americans. Get the rest of the specifics here.

What kind of help can small businesses get right now?

A new round of Paycheck Protection Program loans recently became available for pandemic-ravaged businesses. These loans don’t have to be paid back if rules are met. Right now, loans are open for first-time applicants. And the application has to go through community banking organizations — no big banks, for now, at least. This rollout is designed to help business owners who couldn’t get a PPP loan before.

What does the hiring situation in the U.S. look like as we enter the new year?

New data on job openings and postings provide a glimpse of what to expect in the job market in the coming weeks and months. This time of year typically sees a spike in hiring and job-search activity, says Jill Chapman with Insperity, a recruiting services firm. But that kind of optimistic planning for the future isn’t really the vibe these days. Job postings have been lagging on the job search site Indeed. Listings were down about 11% in December compared to a year earlier.

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