Accessing primary care following the Affordable Care Act : a qualitative study of low-income women’s experiences in urban California

Gilchrist, Allison and Holland, Paula and Ahmed, Faraz (2026) Accessing primary care following the Affordable Care Act : a qualitative study of low-income women’s experiences in urban California. BMC Health Services Research, 26: 331. ISSN 1472-6963

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Abstract

Background The 2010 Affordable Care Act (ACA) led to Medicaid expansion, which expanded eligibility to low-income individuals below 138% of the federal poverty level in 41 states and Washington, DC. In California, over one-third of state residents are covered by Medicaid (Medi-Cal) insurance. Despite the 2014 Medicaid expansion in California, many individuals remain uninsured. Low-income women, in particular, face significant primary care access challenges due to socioeconomic status, education, and minority/disability status. This qualitative study aimed to explore the experiences of low-income women seeking and accessing primary care services following the ACA’s Medicaid expansion in California in an urban setting. Methods In-depth, semi-structured interviews were conducted with 18 women in Northern California (2021–2022). Data analysis employed Braun and Clarke’s reflexive thematic analysis using a deductive approach. Levesque’s conceptual framework of access to healthcare guided the coding and interpretation. Results The experiences of low-income women with primary care access post Medicaid expansion in an urban California setting were shaped by the complex interplay of individual demand-side factors and health system supply-side factors, and structural determinants. Levesque’s framework highlights how individual factors (self-efficacy, health literacy, social support, and affordable insurance) interact with health system factors (geographic accessibility, availability and accommodation of services, and provider-patient relationships) to shape low-income women’s experiences. However, Levesque’s framework could be strengthened by incorporating macro-level structural factors (socioeconomic, political factors, and health policies) as these profoundly influence healthcare access. Conclusions These findings provide a strong foundation for policymakers and practitioners to develop multi-level policies and interventions to address the ongoing barriers that urban low-income women encounter when accessing primary care following the ACA’s Medicaid expansion. These findings are also relevant for other U.S. states and international settings that face similar challenges stemming from healthcare inequalities, including a lack of universal healthcare.