Table 1: Colorado EnrollmentsInsurance Category 2011 % of population

Employer-Sponsored Insurance (ESI) 2,656,000 62.4%

Small Firm ESI (1-50 employees) 298,000 7%

Large Group ESI 2,358,000 55.4%

Individual Market Insurance 308,000 7.2%

Public Insurance 465,000 10.9%

Uninsured 830,000 19.4%

39%

61%

Figure 1: ESI Offering Status of Uninsured Population, 2011

Offered ESINot Offered ESI

39%

20%

29%

13%

Figure 2: Income of Uninsured Population, 2011

<133% FPL133-200% FPL200-400% FPL400%+ FPL

20%

14%

23%

15%

16%

11%

Figure 3: Age of Uninsured Population, 2011

0 - 18 years old19-24 years old25-34 years old35 - 44 years old45 - 54 years old55 - 64 years old

Male53%

Female47%

Figure 4: Gender of Uninsured Population, 2011

63%

24%

5%8%

Figure 4: Uninsured Population by Race, 2011

WhiteHispanicBlack or African-AmericanOther

44%

13%

12%

31%

Figure 6: Family Type of Uninsured Population, 2011

Single, childless adultChildless coupleSingle parentCouple with children

58%

42%

Figure 7: Employment Status of Uninsured Adults, 2011

Employed, Full-time Unemployed

22%

31%26%

14%

7%

Figure 8: Health Status of the Uninsured Population, 2011

ExcellentVery GoodGoodFairPoor

Table 2: Estimate of Exchange and Healthcare Reform Effect, 2016

No Reform With Reform

Reform Impact

ESI 2,710,000 2,710,000 0 Small Firm ESI (1-50 employees) 300,000 340,000 40,000 Other ESI 2,410,000 2,370,000 -40,000Unreformed Individual Market 360,000 70,000 -290,000Reformed Individual Market 0 620,000 620,000Public Insurance 600,000 750,000 150,000Uninsured 870,000 390,000 -480,000Total 4,540,000 4,540,000

Table 3: Reformed Market Participation and Tax Credit Uptake: 2016

# of individuals Cumulative # of individuals

Tax credit recipients in individual reformed market 460,000 - Employees (& dependents) of firms receiving tax credit 80,000 540,000Non-tax credit recipients in individual reformed market 160,000 700,000Employees (& dependents) of non-tax credit firms with <50 employees 260,000 960,000

-600,000

-400,000

-200,000

0

200,000

400,000

600,000

800,000

1,000,000

2014 2015 2016 2017 2018 2019

# of

Indi

vidu

als

Figure 11: Enrollment Levels Relative to 2011 Levels

ESIReformed IndividualUnreformed IndividualPublicUninsured

31%

38%

6%

25%

Figure 12: Coverage Sources of the Newly Insured, 2016 Post-Healthcare Reform

ESI

Reformed Individual (Tax Credit)Reformed Individual (No Tax Credit)Public

31%

24%

35%

4%6%

Figure 13: Newly Insured Population by Income (% of Federal Poverty Line): 2016

<133%133-200%200-400%400-500%>500%

16%

15%

25%

16%

16%

12%

Figure 14: Newly Insured Population by Age: 2016

0-1819-2425-3435-4445-5455-64

Table 4: Summary of Previously Uninsured, 2016 Post-Healthcare ReformAdult females 19-44

Adult females 45-64

Adult males 19-44

Adult males 45-64

Children Ages 0-18

Medicaid/CHP+ 40,000 20,000 40,000 10,000 20,000Reformed or Unreformed Individual 30,000 40,000 80,000 40,000 30,000Employer Sponsored Insurance 40,000 10,000 50,000 20,000 40,000Total Newly Insured 110,000 80,000 170,000 70,000 80,000Remaining Uninsured 90,000 40,000 90,000 50,000 90,000Baseline Uninsured 200,000 120,000 260,000 120,000 170,000

Table 5: Movements due to Exchange and Healthcare Reform: 2016

Ex-ante

ESI Individual Public Uninsured Total

ESI 2,550,000 - - 160,000 2,710,000Ex-Post Reformed or

Unreformed Individual 110,000 340,000 0 220,000 670,000Public 20,000 - 600,000 130,000 750,000Uninsured 30,000 - 0 360,000 390,000Total 2,710,000 360,000 600,000 900,000 4,570,000

Note: “-” indicates a movement that is less than 10,000 but greater than 0.

39%

8%

31%

22%

Figure 15: Remaining Uninsured, 2016 Post-Exchange and Healthcare Reform (Total Sample Size: 390,000)

Undocumented

Newly Uninsured

Documented, Not Subject to MandateSubject to Mandate, Choose Not to Insure

59%11%

29%

Figure 16:Remaining Uninsured Not Subject to Mandate by % of FPL (Total Sample Size: 120,000)

<133% 200-400%>400%

39%

16%

34%

11%

Figure 17:Remaining Uninsured Subject to Mandate by % of FPL (Total Sample Size: 90,000)

<133%133-200%200-400%>400%

-200,000

-150,000

-100,000

-50,000

0

50,000

100,000

150,000

200,000

250,000

300,000

Firm Dropped Leaving ESI Joining ESI Total

Axis

Title

Figure 18: Number of Individuals Experiencing Change in ESI: 2016

Small Firm ESIOther ESITotal ESI

Table 6: Premiums and Actuarial Values for those Remaining on Individual: 2016

No Reform With Reform(No Subsidies)

With Reform(With Subsidies)

Average Individual Premium $5,570 $6,610 $4,060Average Individual Actuarial Value 0.608 0.675 0.675

41%

13%9%

7%

17%

6%7%

0%

Figure 19: Individual Premium Changes (including tax credits) for those Remaining on Individual: 2016

<-50%-50% to -25%-25% to -10%-10% to 0%0%0% to 10%10% to 25%25% to 50%

Table 7: Household Budget Effects: 2016

Status Quo (in billions)

After Reform (in billions)

Reform Effect (in billions)

Per Household Effect

Wages $167.1 $167.2 $0.1 $40

Exchange Credits $0.0 $1.0 $1.0 $430

Public Insurance $0.0 $0.6 $0.6 $250

ESI Contribution $4.2 $4.1 -$0.1 $80

Individual Premium

$1.9 $1.8 -$0.1 $30

OOP Spending $2.6 $2.4 $0.2 $90

Taxes -$38.2 -$38.5 -$0.3 -$130

Net Effects $1.8 $790

-500

0

500

1000

1500

2000

Mill

ions

of $

% of Federal Poverty Line

Figure 20: Net Household Impact by FPL , 2016

Net Household Impact$2,510*

$690*

$100* - -$990*

$790*

* Net Impact per Family

$1,430*

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000

# of

Hou

seho

lds

% of Federal Poverty Line

Figure 21: Budget Winners and Losers by Income

WinnersNo EffectLosers

-500

0

500

1000

1500

2000

2500

3000

2014 2015 2016 2017 2018 2019

Mill

ions

of $

Figure 22: Household Budget Effect by Year

Additional BenefitsAdditional CostsNet Household Impact

$980*

$890*

$790*

$550*

$250* * Net Impact per Family

$1,060*