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Fact-check: Have 20 Million Americans Gained Health Insurance from the ACA?

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Chan Lai Ly has his feet examined as part of a regular check-up related to his diabetes in Seattle. Photo: AP

With the battle over the Affordable Care Act continuing in the courts, Sen. Joe Manchin, D-W.Va., took to Twitter to argue that millions of Americans have benefited from the law.

Manchin wrote, “Let’s be clear: throwing out the #AffordableCareAct without a plan in place would be horrific for West Virginians and Americans with preexisting conditions, and the nearly 20 million Americans who have gained health insurance since the law passed in 2010.”

Have nearly 20 million Americans gained health insurance since the law’s passing? We took a closer look.

What does the data show?

The Kaiser Family Foundation, a non-rofit that focuses on health care policy, has published data through 2017 that sheds light on Manchin’s statement.

The foundation’s data shows that since 2010, the number of Americans with health insurance has increased by about 35 million, an even higher number than Manchin cited. However, while the law passed in 2010, it didn’t fully take effect until 2014, so the more accurate year to use as the baseline is 2013.

However, the data still supports Manchin’s claim. In fact, he undershot the actual number. Since 2013, about 26.6 million people have gained health insurance.

It’s worth noting that the Affordable Care Act, while a major factor in this increase, is not the only one.

As the Baby Boom generation ages, more and more Americans transition into guaranteed health care under Medicare — about 10,000 a day. Because of this, some previously uninsured people would suddenly be counted as being insured upon turning 65. For this, they have Medicare to thank, rather than the Affordable Care Act.

In addition, the continuing economic recovery played a role in expanding the pool of insured people, by increasing the number of Americans who were employed and who, as a result, were able to secure health insurance through their employment.

That said, there’s little question that the Affordable Care Act played a role.

Between 2008 and 2012 — an equivalent five-year period before the ACA took effect — just under 10 million people gained health insurance, a much smaller number than the 26 million between 2013 and 2017.

Our ruling

Manchin tweeted, “Nearly 20 million Americans … have gained health insurance since (the Affordable Care Act) passed in 2010.”

From 2013, the year before the law took effect, to 2017, the number of Americans with health insurance rose by 26.6 million, meaning that Manchin actually understated the gains. It’s worth noting, however, that gains in Medicare and from employer-sponsored health care account for a portion of that increase, so the increase can’t be credited entirely to the Affordable Care Act.

We rate this statement Mostly True.

This article was originally published by PolitiFact.

Fact Check

Checking Bernie Sanders on Life Expectancy in Virginia, West Virginia

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Democratic presidential candidate Sen. Bernie Sanders speaks during a campaign stop Thursday, May 5, 2016 at the Morgantown Event Center. Photo: Jesse Wright/WVPB

During a June 12 speech at George Washington University, Democratic presidential candidate Bernie Sanders offered what he said was a stark example of income inequality and its real-world consequences.

“In 2014, for example, in McDowell County, W.Va., one of the poorest counties in the nation, life expectancy for men was 64 years. In Fairfax County, Va., a wealthy county, just 350 miles away, life expectancy was nearly 82 years, an 18-year differential. The life expectancy gap for women in the two counties was 12 years.” 

Was Sanders right? We took a closer look. (Sanders’ campaign did not respond to an inquiry.)

Let’s start by noting that the two counties are indeed at opposite ends of the income spectrum.

According to the U.S. Census Bureau, McDowell County, in the heart of Appalachian coal country, has a median household income of $25,595, about 44 percent of the national median household income of $57,652.

By contrast, Fairfax County, located in the affluent suburbs of Washington, D.C., has a median household income of $117,515, or slightly more than double the national median. 

So median household income is more than four times higher in Fairfax County than it is in McDowell County.

What about life expectancy?

The longest-running data on life expectancy by county in the United States is compiled by the Institute for Health Metrics and Evaluation at the University of Washington. We used the institute’s interactive database to find the most recent data for both of the counties Sanders mentioned.

Here’s a summary for 2014, the most recent year available:

The data shows that life expectancy is a few years longer than Sanders said for men in McDowell County — 67 instead of 64 — which in turn makes the gap for men between the two counties 15 years, rather than the 18-year figure Sanders cited.

For women, Sanders also is slightly off — there’s an 11-year gap rather than a 12-year gap.

But while Sanders is a bit off on the numbers, his overall point is sound. In fact, not only can people in Fairfax County expect to live longer than those in McDowell County, but the gap between the two has been widening for nearly four decades.

This chart shows life expectancy for men, women, and both in the two counties since 1980. Figures for McDowell County are shown in red, and figures for Fairfax County are shown in green. It’s easy to see the trend lines going in opposite directions.

It appears that Sanders’ comparison actually emerged more than five years ago, in a New York Times article by Annie Lowrey. She wrote:

Fairfax County, Va., and McDowell County, W.Va., are separated by 350 miles, about a half-day’s drive. Traveling west from Fairfax County, the gated communities and bland architecture of military contractors give way to exurbs, then to farmland and eventually to McDowell’s coal mines and the forested slopes of the Appalachians. Perhaps the greatest distance between the two counties is this: Fairfax is a place of the haves, and McDowell of the have-nots. …

One of the starkest consequences of that divide is seen in the life expectancies of the people there. Residents of Fairfax County are among the longest-lived in the country: Men have an average life expectancy of 82 years and women, 85, about the same as in Sweden. In McDowell, the averages are 64 and 73, about the same as in Iraq.

Our ruling

Sanders said, “In 2014 … in McDowell County, W.Va., one of the poorest counties in the nation, life expectancy for men was 64 years. In Fairfax County, Va., a wealthy county, just 350 miles away, life expectancy was nearly 82 years, an 18 year differential. The life expectancy gap for women in the two counties was 12 years.” 

A few of these numbers are slightly off, but Sanders’ overall point that there is a large gap in life expectancy between the two counties is solid. We rule his statement Mostly True.

This article was originally published by PolitiFact.

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Fact Check

Fact-check: Can Cell Phones, Bluetooth Defeat Credit Card Skimmers?

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A researcher holds a magnetic credit card "read head" that is used to read information from cards during retail transactions. Photo: AP

Should you be worried about credit card fraud when you pull up to the gas pump? A post circulating recently on social media says you can deploy your cell phone to stay safe.

An April 14, 2019, post on a Facebook page called “Local Jackson County News WV” told readers they can use their cell phones at gas stations to determine whether a pump has a credit card skimmer — a device that can steal credit card numbers.

The post said, “Just a tip, When you pull up to the gas pump to fill up your car, get your cell phone and search for Bluetooth devices. If a sequence of letters and numbers show up don’t pay at the pump. One of the pumps has a credit card skimmer inside of it. All of these skimmers run on Bluetooth.”

Can Bluetooth sensors always determine if there are credit card skimmers in gas pumps? We took a closer look.

How skimmers work

First, some basics: Credit card skimmers are real, and they’re illegal.

When installed in gas pumps, skimmers listen for the data traffic from the credit card reader, record it to memory and pass that data onto the pump controller.

Skimmer technology has become so advanced that thieves do not have to return to the pump to retrieve the stolen information. Perpetrators can simply sit in their cars and download credit card information to a laptop.

A special agent with the U.S. Secret Service told NBCNews last year that the agency recovers 20 to 30 skimmers a week, with an average skimmer holding information from 80 credit cards.

Can Bluetooth sensors stop skimmers?

Bluetooth can be a useful tool for consumers who want to protect their information, but they are far from foolproof.

Paige Anderson, the director of government relations with the National Association of Convenience Stores, a trade group representing gas stations and convenience stores, told PolitiFact that there are too many kinds of credit card skimmers to rely on a phone to detect them.

“Some use Bluetooth technology, some use cell service and some skimming devices store the data themselves,” Anderson said.

Vassil Roussev, a computer scientist and director of the University of New Orleans Cyber Center, said that a “hit” on Bluetooth “could very well be an indicator of compromise by a skimmer, but it could also be any number of other devices within 30 feet or so, such as devices in other cars. More importantly, not finding one does not mean the pump is safe.”

The skimmer need not be detectable by Bluetooth, he said, or it could be programmed to send signals only at certain times.

“Overall, I would say that this tip offers a low level of protection,” Roussev said.

Anderson added that checking for skimmers is something gas station owners and workers need to do on a daily basis.

Retailers should conduct daily internal and external checks and take other measures to foil data thieves, she said. These practices reduce the risk of potential credit card theft, she said, though they may not eliminate it.

Our ruling

Local Jackson County News WV published a post that said, “Just a tip, When you pull up to the gas pump to fill up your car, get your cell phone and search for Bluetooth devices. If a sequence of letters and numbers show up don’t pay at the pump. One of the pumps has a credit card skimmer inside of it. All of these skimmers run on Bluetooth.”

Checking a Bluetooth sensor in your cell phone before inserting your credit card in a gas pump may be able to determine whether the pump has been compromised. However, skimmer technologies vary, and many types of skimmers won’t be detectable using the Bluetooth method.

We rate the statement Half True.

This article was originally published by PolitiFact.

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Fact Check

Fact-check: Are 19% of West Virginians on Food Stamps?

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A food drive at Newark Liberty International Airport, on Jan. 23, 2019. Photo: AP, Julio Cortez

Sen. Joe Manchin, D-W.Va., recently took to Twitter to criticize a Trump administration proposal on the Supplemental Nutrition Assistance Program, sometimes known as food stamps.

Manchin wrote: “19% of WVians rely on SNAP, but proposed changes would take food assistance from those struggling to find stable employment while doing nothing to help them to become permanently employed. I’m urging @USDA Sec Sonny Perdue to withdraw the proposal.”

The tweet linked to a press release from Manchin explaining his position on the proposal, which would give states less flexibility on enforcing work requirements for SNAP beneficiaries. Manchin and several dozen senators from both parties expressed opposition to the proposal.

We won’t address the pros and cons of the Trump administration proposal here, but we did wonder if almost one of every five people in West Virginia rely on SNAP.

We checked with experts and looked at the data, and it turns out that Manchin was pretty close to the mark.

In February 2019, the most recent month for which full data is available, West Virginia had 314,042 SNAP beneficiaries. Meanwhile, the state’s estimated population for 2018, according to the Census Bureau, was 1,805,832.

That works out to 17.4 percent of state residents, or a bit lower than the 19 percent figure Manchin cited.

Our ruling

Manchin said, “19% of WVians rely on SNAP, but proposed changes would take food assistance from those struggling to find stable employment while doing nothing to help them to become permanently employed.”

The percentage Manchin cited is a little high, but it’s close. We rate his statement Mostly True.

This article was originally published by PolitiFact.

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