Insurance coverage for LGB Coloradans has greatly improved, with an estimated 17,000 gaining coverage since 2013.
Mental health is a growing concern, with three times as many LGB Coloradans reporting poor mental health as straight Coloradans.
One third of LGB Coloradans don’t have a usual source of health care.
Lesbian, gay, and bisexual (LGB) Coloradans navigate the same health care system as straight Coloradans — but they encounter unique obstacles to getting care, according to new data.
The 2017 Colorado Health Access Survey (CHAS) shows improvement in some areas for the state’s LGB residents. The percentage without health insurance has dropped by more than half in the past four years, for example. And LGB residents are more likely to see a doctor for preventive visits than straight Coloradans.
But large challenges remain, particularly in mental health. LGB Coloradans report much higher rates of poor mental health than their straight counterparts, and are less likely to access the mental health care they need.
Colorado banned insurance discrimination based on sexual orientation five years ago. The Colorado Division of Insurance announced in March 2013 that health insurance plans in Colorado couldn’t deny access to coverage or charge higher premiums based on sexual orientation or gender identity, including being transgender.
The Affordable Care Act (ACA) has mandated similar protections for people who identify as lesbian, gay, bisexual or transgender (LGBT) since January 2014.
Those policy changes, along with expanded Medicaid eligibility under the ACA, have made a difference. Now, 91.4 percent of LGB Coloradans are insured, just 1.3 percentage points lower than the 92.7 percent of straight Coloradans with health insurance.
In fact, the percentage of uninsured adult LGB Coloradans has been cut by more than half — dropping from 21.2 percent in 2013 to 8.6 percent in 2017. (See Figure 1.) That means an estimated 17,000 members of the LGB community gained insurance over that time.
But the ACA and other federal and state policies can’t prevent bias in the doctor’s office. One of five LGB Coloradans (20 percent) report feeling that a provider or health care staff judged them unfairly or treated them with disrespect — more than double the nine percent of straight Coloradans who felt the same.
Poor experiences with the health care system may have a negative impact on physical and mental health outcomes for the LGB population.1
Access to Mental Health Care
LGB Coloradans are more than twice as likely to report poor mental health than their straight counterparts. And their mental health has gotten worse over the past four years, while the mental health of their straight counterparts has remained steady during the same time. (See Figure 2.)
Even with improvement in health insurance coverage, access to mental health care has not improved.
Some 21 percent of LGB Coloradans reported needing mental health care but not getting it in 2017, compared with nine percent of straight Coloradans. This is nearly 50,000 LGB Coloradans who said they didn’t get needed mental health care — enough to fill Coors Field.
The ACA has protections for people who need mental health care. The law requires mental health and substance use treatment to be covered as an essential health benefit. (Some plans from larger employers are excluded from this requirement).2
And the Mental Health Parity and Addiction Equity Act, passed in 2008, requires covering all psychological conditions at the same level as physical conditions. This applies to all public insurance plans and all private plans that offer behavioral health as an essential benefit.
Even with these policies, fewer LGB Coloradans are getting the mental health care they need.
Stigma might create a barrier to accessing mental health care. Stigma is when someone views a person in a negative way just because they have a mental health condition.3 If someone is experiencing a mental health condition, they may not seek care because they afraid of being stigmatized by others, including their doctors.
Access to Health Care
LGB Coloradans report worse physical health than their straight counterparts. More LGB Coloradans report having poor or fair physical health (24 percent) than their straight counterparts (16 percent).
People in the LGB community often use the health care system differently than members of the straight community.
About one of three LGB Coloradans (32 percent) do not have a usual source for physical health care compared with 20 percent of their straight counterparts. Not having a usual source of care may be a sign that LGB Coloradans have a harder time finding a provider who they feel comfortable with seeing more than once or twice.
Though they are less likely to have a usual source of care, LGB Coloradans report seeing general doctors and specialists at the same rate as their straight counterparts. However, they visit the emergency room at double the rate of heterosexual Coloradans, often because it was more convenient.
LGB Medicaid members are more likely to report going to the emergency room than LGB Coloradans covered by other types of insurance. And LGB Medicaid members are nearly twice as likely as straight Medicaid members to use the emergency room. (See Figure 3.)
LGB Coloradans do well in getting preventive care, with 94 percent reporting that they had seen a general doctor in the past 12 months for a preventive visit compared with 86 percent of the straight population.
But the experiences of the LGB community are not always aligned with how Colorado providers report feeling about treating LGB patients.
One Colorado, a statewide advocacy organization for LGBT Coloradans, asked physicians about how they treat LGBT community members.
The 2013 report found that 76 percent of Colorado providers think it is important to know the sexual orientation of their patients. And nearly 98 percent of physicians reported being comfortable with treating LGBT patients.4 Yet, the latest CHAS data show that 20 percent of LGB Coloradans feel they were treated or judged unfairly by someone working in the health care system.
Improved provider education and communication with their patients may help LGB patients feel more comfortable accessing health care.
Cost of Health Care
An important factor in accessing health care is the ability to afford it, even for those with health insurance.
The CHAS asks questions about how the cost of health care affects access and satisfaction. A higher rate of LGB Coloradans reported not getting a prescription or receiving doctor or specialist care because of cost compared with straight Coloradans.
But when it comes to insurance, the two groups are equally satisfied with its cost. About 70 percent of both LGB and straight Coloradans were satisfied with their premiums.
Though LGB Coloradans are more likely to forgo care because it costs too much, 81 percent report being satisfied with the range of services and 78 percent report being satisfied with their choice of providers available through their insurance plans, rates similar to their straight counterparts.
This is a positive sign that insurance companies do not appear to be restricting health insurance access or coverage for LGB Coloradans.
Getting access to health coverage and health care for more LGB Coloradans is a first step in improving health outcomes for this population.
Future efforts to make LGB Coloradans feel more confident when navigating the health care system may help improve health outcomes. And helping providers communicate with LGB people may make this population feel more comfortable getting health care — increasing access to the mental and physical health treatment they need.
What's in a Name?
The CHAS in 2013 began asking adult respondents whether they are straight, gay, lesbian, bisexual or something else. While we refer to the LGB population in this paper, keep in mind that this group includes additional Coloradans who don’t identify as either straight, gay, lesbian or bisexual.
The CHAS does not ask about gender identity, so we have no data on respondents who identify as transgender. The CHAS also doesn’t ask the respondent whether other members of their household — including children — are straight, gay, lesbian, bisexual or something else.
Still, the survey question is providing important data. The number of Colorado adults who tell us they are LGB has increased 33 percent since the 2013 survey, which projects to a total Colorado LGB adult population of more than 230,000 people in 2017. That number generally agrees with estimates by other groups.
1. Hatzenbuehler, ML. (2014). “Structural stigma and the health of lesbian, gay and bisexual populations.” Current Directions in Psychological Science 23(2): 12-132.
2. Centers for Medicare & Medicaid Services. “Information on Essential Health Benefits (EHB) Benchmark Plans.” Available at: https://www.cms.gov/cciio/resources/data-resources/ehb.html.
3. National Alliance on Mental Illness. “Stigma Free.” Retrieved from: https://www.nami.org/stigmafree?utm_source=footer&utm_medium=website&utm_campaign=Curestigma.
4. One Colorado. (2013). “Becoming Visible: Working with Colorado Physicians to Improve LGBT Health.” Available at: http://www.one-colorado.org/wp-content/uploads/2013/12/OC_BecomingVisible_Web.pdf.