Experts Predict Permanent Coverage Shifts Post-Pandemic

Millions of people in the United States have lost their employer-sponsored health insurance as a result of the pandemic and have had to find new sources of coverage — if they have been able to get insurance at all. While experts are still working to assess the scale of the fallout, they say it’s very likely that the enrollment mix in the U.S. has changed permanently.

As the number of people on job-based insurance has dropped, the number of people on Medicaid has increased. Special enrollment periods held by state-based Affordable Care Act (ACA) exchanges have led to higher numbers of people on individual market plans. The number of people on Medicaid and individual market plans is also likely to increase due to changes to health insurance funding in the American Rescue Plan (ARP), the $1.9 trillion coronavirus recovery package recently passed by Congress, and various administrative actions by the Biden administration.

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