ACA critically important for mental health
The U.S. Supreme Court heard oral arguments on California v. Texas, Nov. 10.
This is the lawsuit about whether or not the Affordable Care Act is constitutional.
The issue before the court is narrow.
It’s about the tax penalty for not having insurance being reduced to zero thus potentially impacting a previous decision about the ACA, but the ramifications are broad.
For the mental health community, the ACA has resulted in expanded access to mental health and substance use disorder treatment. There are several ways in which the ACA has done this.
The first is not allowing denial of health insurance because of a pre-existing condition.
Prior to the ACA if you had depression, anxiety, schizophrenia or other mental illnesses you would find it difficult to obtain insurance.
If you did obtain insurance, there would often be a rider excluding coverage for the treatment of your mental illness. While Minnesota had a high-risk pool, it was expensive.
The second area was requiring individual and small group policies to cover mental health and substance use disorders and to follow the mental health and substance use disorder parity law.
People who bought policies on the open market found later – when they needed it – that the plan did not cover any treatment for mental health or substance use disorder.
A Kaiser study found that 38 percent of individual market policies excluded mental health coverage and 45 percent excluded coverage for substance use disorders.
If they did cover it, they did not follow parity, so there were higher deductibles or co-payments or there were arbitrary limits on the number of outpatient visits or days in a hospital or residential treatment.
Many of the prescription benefits had narrow drug formularies or had higher costs for mental health medications.
The third area was ensuring that young people – ages 18-26 – had easier access to health insurance by allowing them to stay on their parents’ plan until age 26.
While 50 percent of all mental illnesses emerge by age 14, the most serious mental illnesses, such as schizophrenia, tend to emerge in early adulthood.
Prior to the ACA this was the age group that had the highest uninsured rate. We want these young people to be able to access care, so that the illness doesn’t become disabling.
Lastly, expanding Medicaid to people with low incomes without a disability has resulted in easier access to treatment and also in our mental health providers and hospitals receiving payments for treatment.
The percentage of people who are uninsured is now lower.
Prior to Medicaid expansion, if people needed mental health treatment covered under Medicaid, they would have to prove they were disabled and couldn’t engage in gainful employment.
It was disheartening to young people to have to say they couldn’t work in order to get the treatment that could help them get back to work.
We see in the data many people go on and off of Medicaid expansion, demonstrating that having health insurance cover needed treatment can result in people working.
No one would say that the ACA is perfect, but neither is Medicare or Medicaid and they have been around a lot longer. Losing the ACA will have a huge negative impact on the one in five people who live with a mental illness.
Early identification and access to treatment – treatment that is covered by health insurance – is about fairness. It is important people know what is at stake as the U.S. Supreme Court hears arguments and deliberates.
– Sue Abderholden is executive director of NAMI Minnesota (National Alliance on Mental Illness) For more information, visit namimn.org, or call 651-645-2948.