#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 over 100+ Wisconsin free and charitable clinics (FCCs) continue to be a critical safety net provider to over 150,000 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 & the confusion around the Shared Responsibility Payment
4. File taxes separately from their spouse, rendering them ineligible for subsidies in the Marketplace.
5. Are 65 or older and find Medicare Part B and Advantage premiums unaffordable; but are not eligible for any subsidies
6. Are waiting for their insurance to kick-in
7. Have had a change in life circumstances or situation
8. Caught in the differences of income determination between the Marketplace (annual income) and BadgerCare (monthly income).
9. Are undocumented residents and can not purchase insurance in the United States (i.e., no Social Security number or legal document number)
10. 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
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)
13. Do not have dental or vision insurance
A Wisconsin Free Clinic Story
Statistics on the Uninsured
Find out where the uninsured live in Wisconsin, click here.
Figure Source: Kaiser Family Foundation (2017, December 14). The Uninsured: A Primer - Key Facts About Health Insurance and the Uninsured Under the Affordable Care Act. Kaiser Family Foundation. Retrieved from https://www.kff.org/report-section/the-uninsured-a-primer-key-facts-about-health-insurance-and-the-uninsured-under-the-affordable-care-act-who-remains-uninsured-after-the-aca-and-why-do-they-lack-coverage/
Last updated April 2, 2018 MEL