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Updated: Sep 8, 2025

Author Spotlight: Advancements in Multiplex Detection of Respiratory Viruses
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Insurance Churn and the COVID-19 Pandemic.

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|June 27, 2025
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Summary

The Families First Coronavirus Response Act significantly reduced health insurance churn, particularly for Medicaid enrollees. This legislation prevented an estimated 2.94 million Medicaid beneficiaries from losing coverage annually during the pandemic.

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Area of Science:

  • Health Services Research
  • Public Health Policy
  • Health Economics

Background:

  • High rates of health insurance churn persist in the US, even post-Affordable Care Act.
  • Medicaid beneficiaries are particularly vulnerable to losing health insurance coverage.
  • Previous research indicates a significant risk of insurance instability for many Americans.

Purpose of the Study:

  • To evaluate the impact of the Families First Coronavirus Response Act (FFCRA) on health insurance churn.
  • To determine if the FFCRA mitigated the loss of health insurance coverage, especially among Medicaid enrollees.

Main Methods:

  • Utilized quasi-experimental designs: interrupted time series and difference-in-difference analyses.
  • Employed individual-level data from the Medical Expenditure Panel Survey (2015-2022).
  • Compared insurance churn rates before and after FFCRA implementation for Medicaid and privately insured individuals.

Main Results:

  • The FFCRA was associated with a 2.06 percentage point reduction in overall insurance churn.
  • Medicaid churn decreased by 5.51 percentage points due to the FFCRA.
  • Reductions in Medicaid churn accounted for 65% of the total decrease in insurance churn.

Conclusions:

  • The FFCRA demonstrated a significant protective effect against health insurance loss.
  • Without the FFCRA, an estimated 2.94 million individuals with Medicaid would have lost coverage annually during the COVID-19 public health emergency.
  • FFCRA played a crucial role in stabilizing health insurance coverage for vulnerable populations.