Table 1: Colorado EnrollmentsInsurance Category 2011 % of population
Employer-Sponsored Insurance (ESI) 2,656,000 62.4%
Small Firm ESI (1-50 employees) 298,000 7%
Large Group ESI 2,358,000 55.4%
Individual Market Insurance 308,000 7.2%
Public Insurance 465,000 10.9%
Uninsured 830,000 19.4%
39%
61%
Figure 1: ESI Offering Status of Uninsured Population, 2011
Offered ESINot Offered ESI
39%
20%
29%
13%
Figure 2: Income of Uninsured Population, 2011
<133% FPL133-200% FPL200-400% FPL400%+ FPL
20%
14%
23%
15%
16%
11%
Figure 3: Age of Uninsured Population, 2011
0 - 18 years old19-24 years old25-34 years old35 - 44 years old45 - 54 years old55 - 64 years old
Male53%
Female47%
Figure 4: Gender of Uninsured Population, 2011
63%
24%
5%8%
Figure 4: Uninsured Population by Race, 2011
WhiteHispanicBlack or African-AmericanOther
44%
13%
12%
31%
Figure 6: Family Type of Uninsured Population, 2011
Single, childless adultChildless coupleSingle parentCouple with children
58%
42%
Figure 7: Employment Status of Uninsured Adults, 2011
Employed, Full-time Unemployed
22%
31%26%
14%
7%
Figure 8: Health Status of the Uninsured Population, 2011
ExcellentVery GoodGoodFairPoor
Table 2: Estimate of Exchange and Healthcare Reform Effect, 2016
No Reform With Reform
Reform Impact
ESI 2,710,000 2,710,000 0 Small Firm ESI (1-50 employees) 300,000 340,000 40,000 Other ESI 2,410,000 2,370,000 -40,000Unreformed Individual Market 360,000 70,000 -290,000Reformed Individual Market 0 620,000 620,000Public Insurance 600,000 750,000 150,000Uninsured 870,000 390,000 -480,000Total 4,540,000 4,540,000
Table 3: Reformed Market Participation and Tax Credit Uptake: 2016
# of individuals Cumulative # of individuals
Tax credit recipients in individual reformed market 460,000 - Employees (& dependents) of firms receiving tax credit 80,000 540,000Non-tax credit recipients in individual reformed market 160,000 700,000Employees (& dependents) of non-tax credit firms with <50 employees 260,000 960,000
-600,000
-400,000
-200,000
0
200,000
400,000
600,000
800,000
1,000,000
2014 2015 2016 2017 2018 2019
# of
Indi
vidu
als
Figure 11: Enrollment Levels Relative to 2011 Levels
ESIReformed IndividualUnreformed IndividualPublicUninsured
31%
38%
6%
25%
Figure 12: Coverage Sources of the Newly Insured, 2016 Post-Healthcare Reform
ESI
Reformed Individual (Tax Credit)Reformed Individual (No Tax Credit)Public
31%
24%
35%
4%6%
Figure 13: Newly Insured Population by Income (% of Federal Poverty Line): 2016
<133%133-200%200-400%400-500%>500%
16%
15%
25%
16%
16%
12%
Figure 14: Newly Insured Population by Age: 2016
0-1819-2425-3435-4445-5455-64
Table 4: Summary of Previously Uninsured, 2016 Post-Healthcare ReformAdult females 19-44
Adult females 45-64
Adult males 19-44
Adult males 45-64
Children Ages 0-18
Medicaid/CHP+ 40,000 20,000 40,000 10,000 20,000Reformed or Unreformed Individual 30,000 40,000 80,000 40,000 30,000Employer Sponsored Insurance 40,000 10,000 50,000 20,000 40,000Total Newly Insured 110,000 80,000 170,000 70,000 80,000Remaining Uninsured 90,000 40,000 90,000 50,000 90,000Baseline Uninsured 200,000 120,000 260,000 120,000 170,000
Table 5: Movements due to Exchange and Healthcare Reform: 2016
Ex-ante
ESI Individual Public Uninsured Total
ESI 2,550,000 - - 160,000 2,710,000Ex-Post Reformed or
Unreformed Individual 110,000 340,000 0 220,000 670,000Public 20,000 - 600,000 130,000 750,000Uninsured 30,000 - 0 360,000 390,000Total 2,710,000 360,000 600,000 900,000 4,570,000
Note: “-” indicates a movement that is less than 10,000 but greater than 0.
39%
8%
31%
22%
Figure 15: Remaining Uninsured, 2016 Post-Exchange and Healthcare Reform (Total Sample Size: 390,000)
Undocumented
Newly Uninsured
Documented, Not Subject to MandateSubject to Mandate, Choose Not to Insure
59%11%
29%
Figure 16:Remaining Uninsured Not Subject to Mandate by % of FPL (Total Sample Size: 120,000)
<133% 200-400%>400%
39%
16%
34%
11%
Figure 17:Remaining Uninsured Subject to Mandate by % of FPL (Total Sample Size: 90,000)
<133%133-200%200-400%>400%
-200,000
-150,000
-100,000
-50,000
0
50,000
100,000
150,000
200,000
250,000
300,000
Firm Dropped Leaving ESI Joining ESI Total
Axis
Title
Figure 18: Number of Individuals Experiencing Change in ESI: 2016
Small Firm ESIOther ESITotal ESI
Table 6: Premiums and Actuarial Values for those Remaining on Individual: 2016
No Reform With Reform(No Subsidies)
With Reform(With Subsidies)
Average Individual Premium $5,570 $6,610 $4,060Average Individual Actuarial Value 0.608 0.675 0.675
41%
13%9%
7%
17%
6%7%
0%
Figure 19: Individual Premium Changes (including tax credits) for those Remaining on Individual: 2016
<-50%-50% to -25%-25% to -10%-10% to 0%0%0% to 10%10% to 25%25% to 50%
Table 7: Household Budget Effects: 2016
Status Quo (in billions)
After Reform (in billions)
Reform Effect (in billions)
Per Household Effect
Wages $167.1 $167.2 $0.1 $40
Exchange Credits $0.0 $1.0 $1.0 $430
Public Insurance $0.0 $0.6 $0.6 $250
ESI Contribution $4.2 $4.1 -$0.1 $80
Individual Premium
$1.9 $1.8 -$0.1 $30
OOP Spending $2.6 $2.4 $0.2 $90
Taxes -$38.2 -$38.5 -$0.3 -$130
Net Effects $1.8 $790
-500
0
500
1000
1500
2000
Mill
ions
of $
% of Federal Poverty Line
Figure 20: Net Household Impact by FPL , 2016
Net Household Impact$2,510*
$690*
$100* - -$990*
$790*
* Net Impact per Family
$1,430*
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
# of
Hou
seho
lds
% of Federal Poverty Line
Figure 21: Budget Winners and Losers by Income
WinnersNo EffectLosers
-500
0
500
1000
1500
2000
2500
3000
2014 2015 2016 2017 2018 2019
Mill
ions
of $
Figure 22: Household Budget Effect by Year
Additional BenefitsAdditional CostsNet Household Impact
$980*
$890*
$790*
$550*
$250* * Net Impact per Family
$1,060*
