The group most directly affected by the implementation of the Affordable Care Act's insurance markets — those who buy insurance on their own directly from an insurer or through one of the exchanges — is a difficult group to survey.
Those who purchase their own insurance make up just 1 in 10 people under the age of 65. Their demographic profile resembles that of the typical person who skips out on taking surveys — younger, more male, less income, less education. In the end, most surveys of the American public fail to capture enough people from this group to adequately assess their opinions, or even to properly identify them.
A survey from the Kaiser Family Foundation combined results from three separate samples in order to generate a representative survey of 742 adults who fall within this group. Most interviews (409) were conducted by cellphone, and 333 were completed on a landline telephone.
To be included in the survey, a respondent must have met several criteria.
They had to be between the ages of 18 and 64 and covered by a health insurance plan which they purchased. Researchers probed further to rule out those whose insurance plans were offered by an employer, extended via COBRA, managed by the government (such as Medicare or through the Department of Veterans Affairs), applied only on a college campus, covered other nonrelated employees, was subsidized by a trade association, or which the respondent said they purchased anywhere other than from an insurer or via healthcare.gov or a state exchange.
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