Regardless, whether the Affordable Care Act (ACA) or not, an estimated six to eight million people have received coverage as a result of the law. And according to the National Association of Insurance Commissioners (NAIC), the use of health care increases in the individual insurance market health and decreased for the group health insurance market. So, as we change the ACA? This article gives an overview of the main results of the NAIC data resulting important changes from 2013 to 2014
About the data collected 
collected by the NAIC data from the annual exhibition of premiums and enrollment and use of Katherine Hempstead from Robert Wood Johnson Foundation, analyzed and summarized. These data provide information on the use of health services by the insured commercially. The second quarter of 2014 and the second quarter of 2013 were compared
Key Finding. Healthcare Utilization has increased
collected from the data, the largest find was that the use of health have increased for those with individual health insurance in many aspects. Why? First, enrollment has increased nearly 50 percent. Secondly, had many people who previously not cover that now have coverage, are using their health services.
Another important finding is the gap in the use between individual health insurance and group health insurance will be narrower. Utilization in the individual market increased while it has decreased in the group market.
with individual health insurance more likely to visit the doctor Those
Hempstead found that people who have individual health insurance reporting were about 12 percent less likely than those group coverage, however, had to visit the doctor in 2013, in 2014, the gap disappeared. Why? Those with individual health insurance began to use their coverage more often.
hospital visits are for consumers with individual coverage
those who individual health insurance were 37 percent less likely than cover those with the group go to the hospital in 2013, but 2013-2014, the gap decreased significantly to eight percent.
What's that? Those individual health insurance were using their health services, such as precautionary , more frequently than the previous year. In fact, in the individual market, median hospital admissions per 1,000 Overlap owner of 36 to 11.9 increases. The group health insurance market fell by 7.6 to 12.9. spent
time in the hospital also for consumers with individual coverage
In 2013, 35 percent fewer days were spent in hospital by individuals who had individual health insurance. In 2014, as in other areas, reducing the gap to five percent.
Hempstead also found that the average hospital patient days per 1,000 cover holder in 2014 by 36 percent in the individual health insurance market increased to 50.6. However, the group health insurance market decreased by 6.7 percent to 53.3.
Ambulatory Care utilization increases for consumers with individual coverage
Although many people use the outpatient care in emergency situations, regardless of their insurance, there was a change from 2013 to 2014 in both the individual and group health insurance consumer use.
data on ambulatory care use a slight decline in the group point market, but increases in the individual market.This led to an increase of about five percent of the individual health insurance market and a decline of less than two percent of the health insurance market group.
in terms of numbers, all outpatient visits for individual health insurance from 1633.2 to 1751.4 increased in 2014 Group in 2013 decreased the health of 1865.5 in 2013-1838 , 3 2014
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results from the data show six to eight million people in the care received as a result of the ACA. year enrollment increases in the individual health insurance by 47.7 percent, while group insurance dropped by 9.8 percent.
people with health services more because many people cover. Eventually, the ACA will change us and think about the way people from health services. If the trend continues, many more people will continue to use their health services more than ever.
What do you think the ACA changed us? Comment below, we'd love to hear what you think.
Source: RWJF
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