Access to Coverage Has Improved for Rural Populations

By Anmol Gupta

Here at Enroll America, we know that connecting rural populations to coverage is an important component of outreach and enrollment work — within the overall population, certain groups have historically had disproportionately high rates of being uninsured, including rural residents. And while identifying uninsured individuals in rural areas poses unique challenges (the vast majority of uninsured, like the vast majority of people, live in metro areas), a recent report from the U.S. Department of Health and Human Services (HHS) shows that outreach to rural communities is likely paying off.

Earlier this month, HHS released an analysis on how the Affordable Care Act (ACA) has impacted coverage in rural communities across the United States. Between 2012 and early 2015, there has been an 8 percentage point increase in enrollment in rural areas (compared to a 7.9 percentage point increase in non-rural areas).

During the third open enrollment period (OE3) 1.71 million individuals living in rural ZIP codes enrolled through HealthCare.gov; according to HHS, this represents an 11 percent increase from the second open enrollment period (OE2). And 88 percent of these enrollees were deemed eligible for tax credits, which is 3 percentage points higher than the overall HealthCare.gov enrollee population who got financial help during OE3.

On average, according to HHS, premiums for individuals in rural areas only increased by $5 a month between 2015 and 2016 — so hopefully coverage is not only affordable to get, but affordable to keep. This HHS analysis also shows that the share of individuals without proper access to a physician dropped 3.4 percentage points, and the share who were unable to afford adequate coverage dropped 5.9 percentage points.

While these findings are encouraging, we know there is more work to be done to reach rural residents. But luckily, we know more about what works as we head into this next open enrollment period. Here are some tactics to consider if you’re working with rural communities:

To read HHS’s full report, click here.

Enroll America Menu
Are you looking for affordable health insurance? GetCoveredAmerica.org