Affordable Health Care Options Hard to Find in Many States

Finding affordable health care is difficult for a large majority of individuals currently without health insurance. According to a new analysis, three out of four uninsured Americans live in states that have yet to determine how best to provide its residents with the medical care they need.

Affordable Health Care Not Available to 1 in 4 Uninsured

After the Patient Protection and Affordable Care Act was passed in March 2010, states were given the responsibility of carrying out an immense expansion of health insurance by 2014.

States were required to create their on health insurance exchanges that offer uninsured individuals options that are roughly as affordable as those found with employer-sponsored coverage, as well as come up with other ways to offer affordable health care.

However, according to the analysis, only a few so far have been successful. Currently, 13 states have adopted a plan for ensure its residents have access to some form of health insurance they can afford. Unfortunately, these states only house one out of every four uninsured Americans.

States that are struggling to come up with plans include Texas, Florida, Georgia and Ohio, which combined carry 7 million of the uninsured population.

Health Insurance Exchanges May Need Gov’t Help

The Obama administration has acknowledged that many states are not quite ready to provide health insurance exchanges that residents can afford. But this is not a reason for concern, says the White House because the law requires the federal government to step in and help if a state isn’t ready.

Experts, on the other hand, say that providing affordable health care options won’t be as easy as passing out an insurance card if states aren’t able to do it. The government will have to set up the health insurance exchanges, which will require an online and land-line marketplace secure enough to verify income, legal residency and other personal information.

Also, the expansion of Medicaid means more individuals and families will be eligible and more help will be needed to ensure they qualify.

With the amount of effort and organization required to set up health insurance exchanges, some think if states are already struggling to make it happen, the government will have just as much difficulty. This increases the possibility that millions may still be without health insurance by 2014.