Insights & Solutions

Expanding Access To Cover More People.

Why It Matters

UnitedHealth Group has advocated for universal coverage for 20 years and is fully committed to a health care system that improves affordable access to high-quality care for all Americans.

While most Americans have access to a coverage option today through existing, proven coverage platforms, the private sector and government must continue to work together to ensure all Americans have access to affordable, high-quality coverage.

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Expanding Access

Employer-Sponsored Insurance

There are currently 175 million people enrolled in insurance coverage through their employers, and 5 million more individuals could be covered by incentivizing employers to maintain their health plans and by lowering costs.

Protecting and growing employer-sponsored insurance can encourage employers to establish progressive premiums that allow lower-income workers to pay a more affordable share of the total premium. Additional solutions for providing coverage for more people include expanding access for individuals to health savings accounts (HSAs), and improving IRS-qualified high-deductible health plans to permit all primary care – including behavioral health and virtual visits – to be covered as preventive, as research shows that patients with access to a regular primary care physician have lower health care costs than those without one due to improved health outcomes.

Spotlight

Health Savings Accounts

A meaningful opportunity to address affordability challenges and improve the consumer experience exists by expanding access to health savings accounts (HSAs) and allowing HSAs to be used for a wider array of health care services. HSAs, a tool that allows individuals to pay for qualified medical expenses tax-free, help consumers to more efficiently pay for a range of health care purchases, including out-of-pocket costs, copays and other qualified medical expenses.

We are committed to a future where every person has access to high-quality, affordable health care that meets their unique health care needs and financial means.

Dave Wichmann CEO, UnitedHealth Group

Expanding Access

Medicaid

Medicaid provides free or low-cost health coverage to more than 70 million Americans with low income, as well as individuals with disabilities, the vast majority of whom lack access to other affordable health insurance. It is a proven, cost-effective coverage platform.

UnitedHealthcare is dedicated to providing diversified health care products and services to state programs that care for the economically disadvantaged and medically underserved. UnitedHealthcare Community & State participates in programs in 31 states plus Washington, D.C., where health plans and care programs are uniquely designed to address the complex needs of the populations they serve, including the chronically ill, those with disabilities, and people with higher-risk medical, behavioral and social conditions.

Man paying medical bills at home on laptop.

Expanding Access

The Individual Market

Currently, 14 million individuals are covered through the private individual market. Ten million individuals who could be covered through individual market insurance today, remain uninsured.

States are in the best position to expand and enhance the quality of coverage and care in their individual markets. Lower cost, innovative individual market products that maintain consumer protections and better meet the needs of consumers can help advance the important goals of expanding access and enhancing the quality of health care to achieve affordable coverage for individuals.

Medicare By the Numbers Medicare By the Numbers

Expanding Access

Medicare Advantage.

Medicare Advantage (MA) has grown 8% to 10% annually over the past decade, and currently serves more than 24 million seniors and individuals with disabilities with a satisfaction rate of over 90%. MA beneficiaries also spend nearly 40% less in annual premiums and out-of-pocket costs than beneficiaries in traditional Medicare.

Building on the strength and success of Medicare Advantage by allowing plans to provide beneficiary and provider incentives will help ensure more individuals have access to the care they need.