#TheNeedContinues for Free & Charitable Clinics in Wisconsin - DOWNLOAD MORE INFO
Although the Affordable Care Act (ACA/"Obamacare") makes health insurance more affordable to many, it is not and was never intended to be universal health coverage. The 91 Wisconsin free and charitable clinics (FCCs) continue to be a critical safetynet provider to over 85,000 Wisconsinites. The Wisconsin Association of Free and Charitable Clinics WAFCC) formed in 2014 as a result of several of the state’s FCCs coming together to recognize the need to evolve and redefine whom they serve in the changing healthcare landscape. Many of the individuals they provide medical services to may be exempt from the penalty due to financial or affordability hardships. There remain numerous gaps in the United States health care system, leaving millions of Americans and hundreds of thousands of Wisconsinites uninsured or lacking dental, vision, and behavioral health services. #TheNeedContinues
The Uninsured Post-ACA are those that:
1. Find employer family coverage unaffordable
2. Do not have Medicaid (BadgerCare)
3. Exempt from Insurance Mandate & Shared Responsibility Payment
4. Dropped their expensive COBRA insurance after the open enrollment period, not realizing this does NOT trigger a special enrollment
5. File taxes separately from their spouse, rendering them ineligible for subsidies in the Marketplace.
6. Are 65 or older and find Medicare Part B and Advantage premiums unaffordable; but are not eligible for any subsidies
7. Are waiting for their insurance to kick-in
8. Caught in the differences of income determination between the Marketplace (annual income) and BadgerCare (monthly income).
9. Experience churning between BadgerCare and the Marketplace as income varies (i.e., seasonal workers). This individual is dropped by either BadgerCare or Marketplace due to income changing, and then has to wait for the new insurance to take effect
10. Are undocumented residents and can not purchase insurance in the United States (i.e., no Social Security number or legal document number)
11. Unable to quit, or choose to smoke, and are penalized up to 50% higher premiums, thus making insurance unaffordable.
12. Missed Open Enrollment (no waiver for this)
A Wisconsin Free Clinic Story
Statistics on the Uninsured
Find out where the uninsured live in Wisconsin, click here.
Figure Source: Majerol, Newkirk, & Garfield (2015, January 3). The Uninsured: A Primer - Key Facts About Health Insurance and the Uninsured in America. Kaiser Family Foundation. Retrieved from http://kff.org/report-section/the-uninsured-a-primer-what-was-happening-to-insurance-coverage-leading-up-to-the-aca/
Last updated September 2, 2015 KRG