Nearly a quarter of adults disenrolled from Medicaid in the past year say they are now uninsured, according to a survey released Friday that details how tens of millions of Americans struggled to retain coverage in the government insurance program for low-income people after pandemic-era protections began expiring last spring.
The first national survey of adults whose Medicaid eligibility was reviewed during the unwinding found nearly half of people who lost their government coverage signed back up weeks or months later — suggesting they should never have been dropped in the first place.
While 23% reported being uninsured, an additional 28% found other coverage — through an employer, Medicare, the Affordable Care Act's insurance marketplace, or health care for members of the military, the survey by KFF found.
"Twenty-three percent is a striking number especially when you think about the number of people who lost Medicaid coverage," said Chima Ndumele, an associate professor of health policy at the Yale University School of Public Health.
Going without insurance even for a short period of time can lead people to delay seeking care and leave them at financial risk when they do.
Seven in 10 adults who were disenrolled during the unwinding process say they became uninsured at least temporarily when they lost their Medicaid coverage.
Adrienne Hamar, 49, of Plymouth Meeting, Pennsylvania, said she struggled to enroll in an Affordable Care Act marketplace plan this winter after the state informed her that she and her two children no longer qualified for Medicaid. They had been enrolled since 2020. She said phone lines were busy at the state's marketplace and she couldn't complete the process online.
Hamar, who works as a home health aide, and her children were uninsured in March. But since April 1, they've been enrolled in a marketplace plan that, with the help of government subsidies, costs $50 a month for the family.
"I was very relieved," she said. Unsure of their insurance status, Hamar said, her 23-year-old daughter delayed getting a dental checkup.
Hamar's struggles were common, the survey found.
Of adults enrolled in Medicaid before the unwinding, about 35% who tried to renew their coverage described the process as difficult, and about 48% said it was at least somewhat stressful.
About 56% of those disenrolled say they skipped or delayed care or prescriptions while attempting to renew their Medicaid coverage.
"People's current insurance status is likely to be very much in flux, and we would expect at least some of the people who say they are currently uninsured to reenroll in Medicaid — many say they are still trying — or enroll in other coverage within a short period of time," said Jennifer Tolbert, a co-author of the KFF report and the director of KFF's State Health Reform and Data Program. Related StoriesBiden is right about $35 insulin cap but exaggerates prior costs for Medicare enrolleesPrenatal cannabis use disorder linked to increased risk of neurodevelopmental disorders in offspringLurie Children's Hospital administers first gene therapy for Duchenne muscular dystrophy in Illinois
The survey didn't include children, and the KFF researchers said their findings therefore couldn't be extrapolated to determine how the Medicaid unwinding has affected the overall U.S. uninsured rate, which hit a record low of 7.7% in early 2023. Nearly half of enrollees in Medicaid and the related Children's Health Insurance Program are children.
The unwinding, in which states are reassessing eligibility for Medicaid among millions of Americans who enrolled before or during the pandemic and dropping those who no longer qualify or did not complete the renewal process, won't be completed until later this year. Enrollment in Medicaid and CHIP grew to a record of nearly 94.5 million in April of last year, three years after the federal government prohibited states from cutting people from their rolls during the covid-19 public health emergency.
Nationally, states have disenrolled about 20 million people from Medicaid in the past year, most of them for procedural reasons such as failure to submit required paperwork. That number is expected to grow, as states have a few more months to redetermine enrollees' eligibility.
Among adults who had Medicaid prior to the start of the unwinding, 83% retained their coverage or reenrolled, while 8% found other insurance and 8% were uninsured. The share left uninsured was larger in states that have not expanded Medicaid under the ACA (17%) than in states that have (6%). Forty states have expanded Medicaid to cover everyone with an income under 138% of the federal poverty rate, or $31,200 for a family of four this year.
The KFF survey found that nearly 1 in 3 disenrolled adults discovered only when they sought health care — such as going to a doctor or a pharmacy — that they had been dropped from Medicaid.
Indira Navas of Miami found out that her 6-year-old son, Andres, had been disenrolled from Florida's Medicaid program when she took him to a doctor appointment in March. She had scheduled Andres' appointment months in advance and is frustrated that he remains uninsured and his therapy for anxiety and hyperactivity has been disrupted.
Navas said the state could not explain why her 12-year-old daughter, Camila, remained covered by Medicaid even though the children live in the same household with their parents.
"It doesn't make sense that they would cover one of my children and not the other," she said.
Kate McEvoy, executive director of the National Association of Medicaid Directors, said the sheer volume of millions of people being redetermined for eligibility has overwhelmed some state call centers trying to support enrollees.
She said states have tried many ways to communicate with enrollees, including through public outreach campaigns, text, email, and apps. "Until the moment your coverage is at stake, it's hard to penetrate people's busy lives," she said.
The KFF survey, of 1,227 adults who had Medicaid coverage in early 2023 prior to the start of the unwinding on April 1, 2023, was conducted between Feb. 15, 2024, and March 11, 2024. The margin of sampling error was plus or minus 4 percentage points.
KFF Health News correspondent Daniel Chang contributed to this article.
This article was reprinted from khn.org, a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF – the independent source for health policy research, polling, and journalism. Source:
Bill Connelly is a writer for ESPN. He covers college football, soccer and tennis. He has been at ESPN since 2019.
Almost no word in the English language makes a college football fan more defensive than the L-word: luck.
We weren’t lucky to have a great turnover margin — our coaches are just really good at emphasizing ball security! We’re tougher than everyone else — that’s why we recovered all those fumbles!
We weren’t lucky to win all those close games — we’re clutch! Our coaches know how to press all the right buttons! Our quarterback is a cool customer!
We weren’t lucky to have fewer injuries than everyone else — our strength-and-conditioning coach is the best in America! And again: We’re just tougher!
As loath as we may be to admit it, a large percentage of a given college football season — with its small overall sample of games — is determined by the bounce of a pointy ball, the bend of a ligament and the whims of fate. Certain teams will end up with an unsustainably good turnover margin that turns on them the next year. Certain teams (often the same ones) will enjoy a great run of close-game fortune based on some combination of great coaching, sturdy quarterback play, timely special teams contributions … and massive amounts of unsustainable randomness. Certain teams will keep their starting lineups mostly intact for 12 or more games while another is watching its depth chart change dramatically on a week-to-week basis.
As we prepare for the 2025 college football season, it’s worth stepping back and looking at who did, and didn’t, get the bounces in 2024. Just because Lady Luck was (or wasn’t) on your side one year, doesn’t automatically mean your fortunes will flip the next, but that’s often how these things go. Be it turnovers, close-game fortune or injuries, let’s talk about the teams that were dealt the best and worst hands last fall.
In last year’s ACC championship game, Clemson bolted to a 24-7 halftime lead, then white-knuckled it to the finish. SMU came back to tie the score at 31 with only 16 seconds left, but Nolan Hauser‘s 56-yard field goal at the buzzer gave the Tigers a 34-31 victory and a spot in 2024’s College Football Playoff at Alabama’s expense.
In the first series of the game, Clemson’s T.J. Parker pulled a perfect sack-and-strip of SMU QB Kevin Jennings, forcing and falling on a loose ball at the SMU 33-yard line. Clemson scored two plays later to take a 7-0 lead. Late in the first quarter, Khalil Barnes picked off a Jennings pass near midfield, ending what could have become a scoring threat with one more first down. A few minutes later, Clemson’s Cade Klubnik fumbled at the end of a 14-yard gain, but tight end Jake Briningstool recovered it at midfield, preventing another potential scoring threat from developing. (Klubnik fumbled seven times in the 2024 season but lost only one of them.)
Early in the third quarter, after SMU cut Clemson’s lead to 24-14, David Eziomume fumbled the ensuing kickoff at the Clemson 6, but teammate Keith Adams Jr. recovered it right before two SMU players pounced.
Over 60 minutes, both teams fumbled twice, and Clemson defended (intercepted or broke up) eight passes to SMU’s seven. On average, 50% of fumbles are lost and about 21% of passes defended become INTs, so Clemson’s expected turnover margin in this game was plus-0.2 (because of the extra pass defended). The Tigers’ actual turnover margin was plus-2, a difference of 1.8 turnovers in a game they barely won.
Clemson was obviously a solid team in 2024, but the Tigers probably wouldn’t have reached the CFP without turnovers luck. For the season, they fumbled 16 times but lost only three, and comparing their expected (based on the averages above) and actual turnover margins, almost no one benefited more from the randomness of a bouncing ball.
It probably isn’t a surprise to see that, of last year’s 12 playoff teams, eight benefited from positive turnovers luck, and six were at plus-3.3 or higher. You’ve got to be lucky and good to win, right?
You aren’t often lucky for two straight years, though. It might be noteworthy to point out that, of the teams in Mark Schlabach’s Way-Too-Early 2025 rankings, five were in the top 20 in terms of turnovers luck: No. 5 Georgia, No. 7 Clemson, No. 9 BYU, No. 11 Iowa State and No. 17 Indiana (plus two others from his Teams Also Considered list: Army and Baylor).
It’s also noteworthy to point out that three teams on Schlabach’s list — No. 6 Oregon, No. 8 LSU and No. 15 SMU — ranked in the triple-digits in terms of turnovers luck. Oregon started the season 13-0 without the benefit of bounces. For that matter, Auburn, a team on the Also Considered list, ranked 125th in turnovers luck in a season that saw the Tigers go just 1-3 in one-score finishes. There might not have been a more what-could-have-been team in the country than Hugh Freeze’s Tigers.
Close games
One of my favorite tools in my statistical toolbox is what I call postgame win expectancy. The idea is to take all of a game’s key, predictive stats — all the things that end up feeding into my SP+ rankings — and basically toss them into the air and say, “With these stats, you could have expected to win this game X% of the time.”
Alabama‘s 40-35 loss to Vanderbilt on Oct. 5 was one of the most impactful results of the CFP race. It was also one of the least likely results of the season in terms of postgame win expectancy. Bama averaged 8.8 yards per play to Vandy’s 5.6, generated a 56% success rate* to Vandy’s 43% and scored touchdowns on all four of its trips into the red zone. It’s really hard to lose when you do all of that — in fact, the Crimson Tide’s postgame win expectancy was a whopping 98.5%. (You can see all postgame win expectancy data here)
(* Success rate: how frequently an offense is gaining at least 50% of necessary yardage on first down, 70% on second and 100% on third and fourth. It is one of the more reliable and predictive stats you’ll find, and it’s a big part of SP+.)
Vandy managed to overcome these stats in part because of two of the most perfect bounces you’ll ever see. In the first, Jalen Milroe had a pass batted at the line, and it deflected high into the air and, eventually, into the arms of Randon Fontenette, who caught it on the run and raced 29 yards for a touchdown and an early 13-0 lead.
In the second half, with Bama driving to potentially take the lead, Miles Capers sacked Milroe and forced a fumble; the ball sat on the ground for what felt like an eternity before Yilanan Ouattara outwrestled a Bama lineman for it. Instead of trailing, Vandy took over near midfield and scored seven plays later. It took turnovers luck and unlikely key-play execution — despite a 43% success rate, Diego Pavia and the Commodores went 12-for-18 on third down and 1-for-1 on fourth — for Vandy to turn a 1.5% postgame win expectancy into a victory. It also wasn’t Alabama’s only incredibly unlikely loss: The Tide were at 87.8% to beat Michigan in the ReliaQuest Bowl but fell 19-13.
(Ole Miss can feel the Tide’s pain: The Rebels were at 76.0% postgame win expectancy against Kentucky and 73.7% against Florida. There was only a 6% chance that they would lose both games, and even going 1-1 would have likely landed them a CFP bid. They lost both.)
Adding up each game’s postgame win expectancy is a nice way of seeing how many games a team should have won on average. I call this a team’s second-order win total. Alabama was at 10.7 second-order wins but went 9-4. That was one of the biggest differences of the season. Somehow, however, Iron Bowl rival Auburn was even more unfortunate.
Based solely on stats, Arkansas State should have won about four games, and Auburn should have won about eight. Instead, the Red Wolves went 8-5 and the Tigers went 5-7.
Comparing win totals to these second-order wins is one of the surest ways of identifying potential turnaround stories for the following season. In 2023, 15 teams had second-order win totals at least one game higher than their actual win totals — meaning they suffered from poor close-game fortune. Ten of those 15 teams saw their win totals increase by at least two games in 2024, including East Carolina (from 2-10 to 8-5), TCU (5-7 to 9-4), Pitt (3-9 to 7-6), Boise State (8-6 to 12-2) and Louisiana (6-7 to 10-4). On average, these 15 teams improved by 1.9 wins.
On the flip side, 19 teams overachieved their second-order win totals by at least 1.0 wins in 2023. This list includes both of 2023’s national title game participants, Washington and Michigan. The Huskies and Wolverines sank from a combined 29-1 in 2023 to 14-12 in 2024, and it could have been even worse. Michigan overachieved again, going 8-5 despite a second-order win total of 6.0. Other 2023 overachievers weren’t so lucky. Oklahoma State (from 10-4 to 3-9), Wyoming (from 9-4 to 3-9), Northwestern (from 8-5 to 4-8) and NC State (from 9-4 to 6-7) all won more games than the stats expected in 2023, and all of them crumpled to some degree in 2024. On average, the 19 overachieving teams regressed by 1.9 wins last fall.
It’s worth keeping in mind that several teams in Schlabach’s Way-Too-Early Top 25 — including No. 6 Oregon, No. 8 LSU, No. 11 Iowa State, No. 13 Illinois and, yes, No. 21 Michigan — all exceeded statistical expectations in wins last season, as did Also Considered teams like Army, Duke, Missouri and Texas Tech. The fact that Oregon and LSU overachieved while suffering from poor turnovers luck is (admittedly) rather unlikely and paints a conflicting picture.
Meanwhile, one should note that three Way-Too-Early teams — No. 12 Alabama, No. 23 Miami and No. 25 Ole Miss (plus Washington and, of course, Auburn from the Also Considered list) — all lost more games than expected last season. With just a little bit of good fortune, they could prove to be awfully underrated.
Injuries and general shuffling
Injuries are hard to define in college football — coaches are frequently canny in the information they do and do not provide, and with so many teams in FBS, it’s impossible to derive accurate data regarding how many games were missed due to injury.
We can glean quite a bit from starting lineups, however. Teams with lineups that barely changed throughout the season were probably pretty happy with their overall results, while teams with ever-changing lineups likely succumbed to lots of losses. Below, I’ve ranked teams using a simple ratio: I compared (a) the number of players who either started every game or started all but one for a given team to (b) the number of players who started only one or two games, likely as a stopgap. If you had far more of the former, your team likely avoided major injury issues and, with a couple of major exceptions, thrived. If you had more of the latter, the negative effects were probably pretty obvious.
Despite the presence of 1-11 Purdue and 2-10 Kennesaw State near the top of the list — Purdue fielded one of the worst power conference teams in recent memory and barely could blame injury for its issues — you can still see a decent correlation between a positive ratio and positive results. The six teams with a ratio of at least 2.8 or above went a combined 62-22 in 2024, while the teams with a 0.5 ratio or worse went 31-56.
Seven of nine conference champions had a ratio of at least 1.3, and 11 of the 12 CFP teams were at 1.44 or higher (five were at 2.6 or higher). Indiana, the most shocking of CFP teams, was second on the list above; epic disappointments like Oklahoma and, especially, Florida State were near the bottom. (The fact that Georgia won the SEC and reached the CFP despite a pretty terrible injury ratio speaks volumes about the depth Kirby Smart has built in Athens. Of course, the Dawgs also enjoyed solid turnovers luck.)
Major turnaround candidates
It’s fair to use this information as a reason for skepticism about teams like Indiana (turnovers luck and injuries luck), Clemson (turnovers luck), Iowa State (close-games luck), Penn State (injuries luck) or Sam Houston (all of the above, plus a coaching change), but let’s end on an optimistic note instead. Here are five teams that could pretty easily enjoy a big turnaround if Lady Luck is a little kinder.
Auburn Tigers: Auburn enjoyed a better success rate than its opponents (44.7% to 38.5%) and made more big plays as well (8.9% of plays gained 20-plus yards versus 5.7% for opponents). That makes it awfully hard to lose! But the Tigers made exactly the mistake they couldn’t make and managed to lose games with 94%, 76% and 61% postgame win expectancy. There’s nothing saying this was all bad luck, but even with a modest turnaround in fortune, the Tigers will have a very high ceiling in 2025.
Florida Gators: The Gators improved from 41st to 20th in SP+ and from 5-7 to 8-5 overall despite starting three quarterbacks and 12 different DBs and ranking 132nd on the list above. That says pretty spectacular things about their overall upside, especially considering their improved experience levels on the O-line, in the secondary and the general optimism about sophomore quarterback DJ Lagway.
Florida Atlantic Owls: Only one team ranked 111th or worse in all three of the tables above — turnovers luck (111th), second-order win difference (121st) and injury ratio (131st). You could use this information to make the case that the Owls shouldn’t have fired head coach Tom Herman, or you could simply say that new head coach Zach Kittley is pretty well-positioned to get some bounces and hit the ground running.
Florida State Seminoles: There was evidently plenty of poor fortune to go around in the Sunshine State last season, and while Mike Norvell’s Seminoles suffered an epic hangover on the field, they also didn’t get a single bounce: They were 129th in turnovers luck, 99th in second-order win difference and 110th in injury ratio. Norvell has brought in new coordinators and plenty of new players, and the Noles are almost guaranteed to jump up from 2-10. With a little luck, that jump could be a pretty big one.
Utah Utes: Along with UCF, Utah was one of only two teams to start four different quarterbacks in 2024. The Utes were also among only four teams to start at least 11 different receivers or tight ends and among five teams to start at least nine defensive linemen. If you’re looking for an easy explanation for how they fell from 65th to 96th in offensive SP+ and from 8-5 to 5-7 overall, that’s pretty succinct and telling.
LOUISVILLE, Ky. — Unbeaten filly Good Cheer rallied on the outside through the slop to overtake Tenma by the final furlong and win the 151st Kentucky Oaks on Friday at Churchill Downs.
Louisville-born trainer Brad Cox watched the heavy 6-5 favorite cover 1 1/8 miles in 1:50.15 with Luis Saez aboard. Good Cheer paid $4.78, $3.62 and $3.02 for her seventh dominant victory.
The bay daughter of Megdalia d’Oro and Wedding Toast by Street entered the Oaks with a combined victory margin of more than 42 lengths, and on Friday, she added more distance to her resume with a stunning surge over a mushy track.
Cox, who grew up blocks from Churchill Downs, earned his third Oaks win and Saez his second.
Drexel Hill paid $21.02 and $11.76 for second while Bless the Broken was third and returned $4.78.
A thunderstorm that roared through about two hours before the scheduled post left the track soggy and sent many of the 100,910 fans seeking shelter at the track’s urging. The $1.5 million showcase for 3-year-old fillies was delayed by 10 minutes, and the conditions proved to be a minor nuisance for Good Cheer.
She was off the pace after starting from the No. 11 post but well within range of the leaders before charging forward through the final turns. Good Cheer was fourth entering the stretch and closed inside and into the lead, pulling away for her fourth win at Churchill Downs and second in the mud.
Volkswagen of America is recalling nearly 5,700 2025 VW ID. Buzz vans because the NHTSA says the third-row bench seat is too spacious. (For real.)
According to the National Highway Traffic Safety Administration (NHTSA), the third-row bench is physically wide enough for three people, but it’s only designed to hold two, so it’s only equipped with two seat belts. That mismatch violates Federal Motor Vehicle Safety Standard number 208, which covers occupant crash protection. A bench that invites three passengers but only protects two isn’t just awkward – it’s a safety risk. It simply makes it too easy to squeeze that third person in the back “just that once” without a seatbelt, and that’s inviting trouble.
Volkswagen will fix the ID. Buzz issue by having dealers install “fixed unpadded trim parts” that adjust the seat’s usable width, and they’ll do it for free, because recall repairs are always free. It’ll probably be hard plastic on the seat to ensure a third person can’t squeeze in. Owner notification letters are expected to go out starting June 20, 2025.
Volkswagen has reported that, to date, there have been “no field claims known” of safety issues caused by the extra-wide third row bench seat.
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