Affordable Care Act & Healthcare Reform

9 in 10 Texans who buy Marketplace coverage get financial help.

Source: Centers for Medicare and Medicaid Services, 2020 Marketplace Open Enrollment

Thanks to the Affordable Care Act (ACA), more than 20 million Americans, including around 1 million Texans, have gained health coverage.

how the ACA has narrowed racial and ethnic disparities in access to health care
Commonwealth Fund, How the Affordable Care Act Has Narrowed Racial and Ethnic Disparities in Access to Health Care, January 2020

Equity in Focus

With the Affordable Care Act, uninsured rates nationally have dropped for all racial and ethnic groups. At the same time, racial and ethnic disparities in access to health coverage and care have narrowed. States that expanded Medicaid made more progress, but even in states that have not, like Texas, disparities in coverage rates have narrowed. 

Background

In Texas, over 1 million people bought coverage for 2020 through the Health Insurance Marketplace established by the ACA, making the ACA the main reason our state’s uninsured rate has improved since 2013. Roughly 9 in 10 Texans who buy Marketplace coverage get financial help to lower their monthly premium. Each year, Texans benefit from about $5 billion in federally funded Marketplace subsidies, which are essential to connect low and moderate income Texans to coverage.

The ACA also put into place critical protections for the nearly 5 million non-elderly Texans with pre-existing health conditions. Before the ACA, if you bought coverage on your own, not through a job, health insurance companies could deny coverage or charge more to people with pre-existing conditions, and these plans often failed to cover essential health care like maternity, behavioral health, and prescription drugs.  

Despite coverage gains in Texas due to the ACA, we still have the nation’s highest uninsured rate — and it’s getting worse. One reason is because Texas is one of just 14 states that has failed to expand Medicaid, an option under the ACA that could cover 1.5 million uninsured adults living in or near poverty. States like Texas without any form of Medicaid expansion have no subsidized coverage for working-poor adults because the ACA subsidies are generally available only above the poverty line.

Starting in 2017, a range of policies put in place at the federal level, such as huge cuts to funding for outreach, enrollment assistance, and marketing has made it harder to enroll in coverage.

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Meet Our Staff

Anne Dunkelberg

Associate Director, Program Director - Health and Wellness Team

Stacey Pogue
Stacey Pogue

Senior Policy Analyst, Health and Wellness Team

Melissa McChesney
Melissa McChesney

Senior Policy Analyst, Health and Wellness Team