by David Bass | Jul 29, 2019
The health care crisis is debilitating for those in poverty
A look at the correlation between health care insurance coverage and poverty in Georgia reveals some sobering facts:
- 41 percent of uninsured Georgians have annual incomes at or below $35,535.
- Lack of insurance coverage is one of the prime reasons why life expectancy for those in poor neighborhoods is fully 10 years shorter than in the richest areas.
- Premiums in the individual health insurance market have more than doubled since passage of the Affordable Care Act (ACA) in 2010.
- For low-income families and those stuck at or below the poverty threshold, healthcare is one of the top expenses and plays heavily into the welfare cliff, which keeps folks mired in poverty.
- Despite generous government tax credits, premiums for low-income families on the ACA health care exchanges are still unaffordable.
“The health care crisis is a poverty crisis.“
Clearly, America’s failing healthcare system disproportionately impacts the poor. And despite multiple federal and state programs aimed at creating a safety net, the poor still aren’t getting adequate health care. The bottom line is that our health care crisis is a poverty crisis.
A complicated, fragmented system
Imagine going to the doctor and not knowing whether your visit will be covered or what you should expect to pay. That’s the exact scenario that plays out for millions of low-income Americans every week. That’s partly because of rather than receiving health care coverage through one unified plan, low-income families in Georgia frequently cobble together fragmented plans.
For Georgians under the age of 18 living in a family at 138 percent of the poverty level or less, 60 percent have different coverage from their mother and 70 percent have different coverage from their father.
And depending on individual circumstances, health insurance can come through a job, individual markets, ACA exchanges, and government programs such as Medicaid, PeachCare, Medicare, TriCare, VA services, and the Indian Health Service—all with different rules for eligibility.
The time is ripe for meaningful reforms in Georgia
Instead of simply expanding Medicaid and trapping more people in the welfare system, we must explore options that help pull people out of poverty.
The solution is a consumer-directed market system coupled with a reform safety net program that achieves universal coverage for all Georgians by:
- Untethering health care from its close association with employment so that people won’t lose their insurance because they lose or change a job.
- Making shopping for health insurance just like buying any other insurance product so that consumers can identify coverage and price options—and compare apples to apples.
- Providing subsidies from the government—run by the Georgia Gateway—to allow low-income individuals and families to purchase insurance on the private market. This system would be means-tested by an eligibility engine that eliminates welfare cliffs and marriage penalties.
A Hope For Georgians
The good news is that the President’s Administration is encouraging states to come up with their own solutions to the health care crisis through federal waiver applications. This means Georgia has a unique opportunity to enact meaningful health-insurance reform that not only addresses the health care crisis, but also helps pull families out of poverty.
Read more: A Real Solution for Health Insurance and Medical Assistance Reform
Read more: What Does an Ideal Solution to the Health Insurance Crisis Look Like?
by Georgia Center for Opportunity | Jul 18, 2019
Today, the Georgia Center for Opportunity (GCO) has released two new reports detailing precisely how the Georgia governor and lawmakers should enact federal healthcare waivers that will reform a healthcare system disproportionately impacting the poor.
In What Does an Ideal Solution to the Health Insurance Crisis Look Like? Principles for Policymakers When Crafting a Federal Waiver Application, GCO scholar Erik Randolph describes the ways that Georgia lawmakers can craft a healthcare system that works for everyone, particularly the most vulnerable. And in What Census Microdata Tells Us About Health Insurance Coverage in Georgia, Randolph delves into some lesser known facts about the healthcare system in Georgia in order to better help lawmakers craft a system that helps those in poverty and boosts economic mobility.
Randy Hicks, GCO’s President and CEO, said the new reports come at a crucial time for healthcare reform in Georgia. “Due to a federal waiver application process approved by the Trump Administration, Georgia has a narrow window of opportunity to innovate at the local level to solve the healthcare crisis,” Hicks said. “More than 13 percent of Georgians still lack health insurance, and the cost of insurance in the individual markets have more than doubled since the enactment of the Affordable Care Act. We need a real solution to this crisis. This report lays the groundwork.”
The reports recommend the creation of a consumer-directed market system coupled with a reformed safety-net program. Key recommendations include:
- Freedom and portability:Just like with other insurances, consumers want the leeway to shop for health insurance on their own terms and to not lose their plan when leaving a job. This solution drives down costs and keeps affordable health coverage long after they leave employment.
- Affordability: There is a simple reason why 13.3 percent of Georgians lack any health insurance: affordability. As demonstrated by systems in Switzerland and the Netherlands, the solution is to achieve universal coverage. GCO’s healthcare proposals will create a market-driven program with safety-net subsidies, leading to universal coverage. Pricing will be transparent and consumers will easily shop for the best values.
- A unified system: The current healthcare system is a fragmented hodgepodge of programs—Medicaid, PeachCare, Medicare, TriCare, VA services, and government-run exchanges. Contrary to this confusing system, GCO reforms would create a single program with government subsidies for low-income families that eliminate welfare cliffs and marriage penalties.
- The safety net: The system still provides a vital safety net for those who aren’t able to afford health insurance on their own. Subsidies are provided through the Georgia Gateway to help low-income families pay their premiums.
by Corey Burres | Jun 10, 2019
The kids are on summer break and the parents are looking to make the most of the time together.
What do you do? Family road trip? Go to the park for a barbecue? Head out to the local ballpark and catch a game?
Family Activities Equals Family Values
Whatever you do this summer, do it with the purpose of connecting (or reconnecting) with family. Join GCO’s Healthy Family Initiative as we promote and foster family-promotion.
While many understate the importance of family, we know that a strong family can lead to the support necessary for opportunity. This is especially true to those that are stuck in poverty.
Share and Inspire
Because of this we are asking everyone to share and tag their family fun on social media with the hashtag #HFISummerFun. This lets your followers and all that use the tag view and be inspired by the value of a strong family.
Even if you don’t have pictures of your own to share, simply liking or commenting can go a long way to get out the message of the importance of family.
by David Bass | Feb 8, 2019
There’s no doubt about it: Marriage is in crisis today, both in Georgia and across the United States. But even as we grieve declining marriage rates among young people—many of whom choose to cohabit rather than tie the knot—and spiking divorce rates among Baby Boomers, we’re reminded that we have so much to celebrate. And we have plenty of reasons to be optimistic about what the future holds.
Why? Because we know that healthy marriages are a cornerstone of our society. And they’ll always be. We know that married people tend to be happier, healthier, wealthier, and enjoy more stability in their lives. Those benefits also extend to kids, who perform better in school and have a far slimmer chance of being in poverty.
In the spirit of celebrating all that’s great about marriage, we’re thrilled to recognize National Marriage Week (February 7-14) leading up to Valentine’s Day. National Marriage Week seeks to foster collaboration around the country to “strengthen individual marriages, reduce the divorce rate, and build a culture that fosters strong marriages.”
One of our core goals here at Georgia Center for Opportunity (GCO) is to give couples the tools they need to not just survive, but thrive in their marriages. Empirical research clearly tells us that marriage is a crucial step toward achieving economic and relational stability. In fact, it’s one part of the three-part “success sequence”: Those who get a good education, work full-time, and marry before having children are nearly guaranteed a place in the middle class.
This National Marriage Week, if you’re looking for ways to strengthen your own relationship or help others strengthen theirs, here are several practical ways to get started:
- Sign up for a “Build my Relationship” web conference: GCO’s Healthy Families Initiativeis now offering a new way to connect with licensed professionals via a series of live web conferences. You’ll have the opportunity to engage in conversation with our experts and gain insight into other resources and tools available to build your best relationship. Register Now.
- Attend a “Prepping for Romance” workshop: A “best of the best” relationship training workshop. Prepping for Romance helps build communication skills and provides the tools to create a solid marriage foundation. Register Now.
- Help a teen with our “How to Avoid Falling for a Jerk or Jerkette” workshop: Want to help your teens navigate the challenging waters of dating and relationships and build a strong foundation for marriage? This interactive workshop is designed specifically for high school students and teaches them how to effectively date with long-term, healthy relationships in mind. Register Now.
by Georgia Center for Opportunity | Jul 25, 2018
There’s an old saying that a rising tide lifts all boats. This seems to be true in today’s booming economy—with low unemployment rates at the state and national levels translating into historical lows in communities that often lag behind. For example, economic fortunes for African Americans are showing sustained signs of improvement, with the most recent June 2018 unemployment rate coming in at 6.5 percent, up slightly from May’s all-time low of 5.9 percent.
And while improving employment prospects are certainly encouraging signs for a community that continues to experience unacceptably disparities on most socioeconomic measures compared to other groups, a new study from the American Enterprise Institute (AEI) offers even more evidence that African American men are making steady gains toward achieving the American Dream.
In Black Men Making It in America: The Engines of Economic Success for Black Men in America, well-known marriage and family researchers Brad Wilcox and Wendy Wang team up with fatherhood expert Ronald Mincy to examine the institutional engines that form the foundation for black male success.
Some key takeaways from this AEI report:
- The economic standing of black men has improved dramatically, with 57% now in the middle class or higher as adults today—up from 38% in 1960. Even better, the share of black men who are poor has fallen from 41% in 1960 to 18% in 2016.
- While higher education and full-time work are powerful engines of success for black men in America, so, too, is participation in institutions such as marriage, church, and the military.
- Contact with the criminal justice system remains a significant obstacle to success for black men. By midlife, only 28% of black men who had contact with the criminal justice system when they were young have moved into the middle or upper class, compared to 52% of black men who had no contact with the criminal justice system at a younger age.
Here at Georgia Center for Opportunity, we believe in a simple concept called the “success sequence,” which says that a good education leads to a stable job—which in turn leads to a flourishing home life and personal success.
Clearly, this AEI report reinforces GCO programs like Hiring Well, Doing Good and our Prisoner Reentry Initiative, which aim to remove barriers to opportunity and put Georgians back on a rising tide—or sequence—of success that lifts individuals, then families, out of generational poverty into flourishing communities.
by Georgia Center for Opportunity | Feb 9, 2018
It’s National Marriage Week, so it’s a great time to take an inventory of your marriage. Here are some tools to help you more fully engage with your spouse and help strengthen your marriage.
- Do you know your love language? If not, or it’s been awhile, take the online quiz to discover your love language. Click Here.
- While this tool does have a cost, the Couples Checkup, is an online assessment to help you and your spouse identify the strongest portions of your relationship and the areas where you might need a little more TLC.
- According to AJC.com, these are the best 8 places in the Atlanta area for free or under $20 date night.
For more information on how you can better engage/strengthen your marriage, visit BuildMyBestRelationship.com.
