## You are to answer the following questions only from the case study:

Running head: CHANGES IN NON-GROUP COVERAGE UNDER THE ACA 1

CHANGES IN NON-GROUP COVERAGE UNDER THE ACA 5

Changes in Non-Group Coverage under the Affordable Care Act

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Changes in Non-Group Coverage under the Affordable Care Act

**Case Study **

** **The Affordable Care Act is a policy that got signed into law in the year 2010 by president Barrack Obama to enhance access to care for the Americans that are uninsured by making it affordable. The Act contains provisions that allow access to medical insurance by the low-income earners, which also came with benefits associated with services that are essential, making healthcare more affordable and accessible for the American citizens. Concerns got raised that the Act would lead to significant changes in the coverage that is non-group because, with the group coverage having been made cheaper, few Americans would be interested in taking up the individual medical coverage for insurance (Fleming, 2011). From the analysis of the exhibits showing the difference that is modeled in the monthly costs average for individuals covered in the market for insurance that is non-group in Wisconsin State, both before and after the Affordable Care Act came into force, categorized by age, this paper provides a calculation of the percentage change in lives that are covered for every age category, change percentage in the average costs per month for every category of age, and establish the age group that has a rise in coverage that is largest.

**Question 1**

** Change percentage in lives that are covered**

In this category, the change percentage gets calculated by comparing the sum of individuals that got coverage under the law that is current with the Affordable Care Act. This will be done by establishing the increase or difference between the two numbers involved, which means the new number-the original number, then dividing the increase by the original number, and multiplied by a hundred to achieve the percentage change. For individuals that are aged below 19 years, the percentage change is (71054-32480) divided by 71054, then multiplied by 100%, amounting to 54.3%. For those aged 19 to 24, the percentage change is (53464-34787) divided by 53464, the result gets multiplied 100%, achieving a result of 35%. For the ages of 25 to 34, the percentage is (81396-39606) divided by 81396; the result gets multiplied by 100%, amounting to 51.3%. The percentage for those aged 35 to 44 is (76544-31570), the result divided by 76544 and the result times 100, amounting to 58.7%. For those aged 45 to 54 the percentage is (79242-42976) divided by 79242, the result multiplied by 100% amounting to 45.8%, and for those whose age is 55 and above the change in percentage is, (80319-58898) divided by 80319, the result multiplied by 100% resulting to 27%.

**Question 2**

**Change in percentage of costs**

** **The change in percentage in costs per month on average for every age set gets calculated by comparing the average monthly costs involvedâ€”the new one-the original one, divided by the original one, then multiplied by a hundred percent. The change percentage in average monthly cost for those whose age is below 19 is 9.5%, achieved by, (189-171) divided by 189, and the result multiplied by 100%. The change percentage in costs in those aged between 19 to 24 is (186-190) divided by 186, and the result multiplied by 100% achieving a change percentage cost of 2.2%, The change percentage in costs for those aged 25 to 34 is, (322-255), divided by 322 and the result multiplied by 100%, achieving a percentage change of 21%. For those aged from 35 to 44, the change percentage is, (380-310), divided by 380, the result divided by 100% and amounting to 18.4%. The change percentage in costs for individuals aged 45 to 54 is, (688-497), divided by 688, and the results multiplied by 100% leading to a percentage cost of 27.8%. The change percentage in costs for persons aged 55 years and older is (896-533) divided by 896, and the result multiplied by 100%, amounting to 40.5%. The change in percentage in the average monthly costs in every age gets established by using the method above, resulting in the findings.

**Question 3**

**The highest increase in covered individuals**

** **From the calculations established in the findings above, the age bracket that recorded the percentage rise that is highest in the individuals that were covered was the group made up of individuals that are aged between 35 to 44 years old, which recorded a change in percentage of 58.7%. This got established by comparing the percentage changes in the various age groups as established from the calculations. The largest increase in coverage change between the ages of 35 to 44 could be due to several reasons, including the fact that the coverage terms provided for under the Affordable Care Act are more affordable and cheaper. The people within the age group stated above tend to minimize the healthcare costs so that they can be able to save more.

**Conclusion**

** **The implementation of the Affordable Care Act brought changes that were significant to the distribution of those individuals that chose to take up the non-group coverage for insurance. More people started considering the group coverage provided for under the ACA leading to a significant decrease in the number of individuals that were taking up medical insurance with the individual non-group coverage in the market. The findings used in making the comparisons in the calculations above were based on a case study of how the Affordable Care Act impacted the uptake of non-group insurance in Wisconsin State. Each state provided results that were different when it came to the ACAs effect on insurance coverage that is non-group.

Fleming, S.T. (2011). Capstone Case G: Changes in Non-Group Coverage under the Affordable Care Act.