Arbitrary limits on age, income, funding prevent many Ohioans from accessing health care
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As a young person with a rare blood disease, I have been thinking about my health insurance costs and access to care since I was a teenager. Like many others who live with chronic health conditions, I have made major life decisions with my 26th birthday in mind. I chose to receive my bone marrow transplant at 20 to be sure I had time to graduate college, get a job, and secure health insurance before I turned 26. I got married before the age of 26 to secure my spouse's health care benefits in preparation for this very moment. I saved money for months before leaving my job to ensure that I could pay for health expenses out of pocket just in case there was a lapse in coverage.
The conversation around age and health coverage isn't new. In 2016, six years after the Affordable Care Act (ACA) was passed, I was a senior in high school with a rare, high-cost medical condition. Before the ACA, not only would I have no longer been covered by my parents' health insurance, but I also would have likely accrued well past the "lifetime medical spending limit" that many insurance companies at the time were allowed to impose. The ACA saved my family from bankruptcy. It also created what I call a health care cliff at age 26, after which a person is dropped from their parent's insurance.
Turning 26 is, officially, a Qualifying Life Event (QLE): a key moment when someone may lose coverage for a reason they can't typically control. The policy creates problems for many young adults, particularly those with chronic conditions and people with disabilities. For example, many young adults with diabetes, suddenly unable to afford their medication, are forced to ration it. Some have died as a result. Young adults with chronic health conditions also face challenges when transitioning from pediatric to adult health care providers, complicating consistency of care during a critical period.
Young people today face additional challenges in terms of cost. In
The combination of these factors means that Ohioans will have to make hard choices to pay for medical costs and maintain health care coverage. The fact that one unforeseen bill, job change, or lapse in health coverage could prevent people from getting medication, hospital treatment, or even end-of-life care is an exceptionally cruel American nightmare.
The
While the pandemic has officially ended, the idea that the long-term chronic health conditions the pandemic created have disappeared – and people no longer need access to expanded medical coverage – is, frankly, ridiculous. Data collected by the
Beyond COVID, Medicaid redeterminations also show the need for expanded health care access in general. Overall, studies have shown that people with Medicaid have better access to care and preventative services than those without health insurance and Medicaid expansion has been linked to improved mortality outcomes. Historically, Medicaid expansion is a key tool to address racial health disparities and improve maternal health outcomes.
Removing thousands of Ohioans from Medicaid will only make health coverage disparities worse while many are dealing with the compounding effects of new, chronic health conditions, the high cost of care, and the continued challenges presented by inflation. After a once in a century pandemic, lawmakers are again choosing to remove people's health insurance for arbitrary reasons like age, employment, or funding, rather than living up to their responsibility to close the gaps and eliminate the cliffs that threaten so many Ohioans.
For the Record for 10/7
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