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Affordable Care Act (ACA)
Fixed Indemnity Plans – buyer beware; regulations begin soon
In early 2013, we worked with a client shortly after he had received a sales pitch for what sounded like a very sketchy health insurance product. We followed up on the issue, talking with an agent for the carrier in question, as well as the Colorado Division of Insurance. At that time, full ACA implementation was still… Read more about Fixed Indemnity Plans – buyer beware; regulations begin soon
Lost your job? Apply for Medicaid ASAP to have a qualifying event when you get another job
Job loss and short periods of unemployment are a relatively common part of life. But with the new open enrollment rules in the individual health insurance market, it’s important that people understand exactly how the system works in order to avoid finding themselves stuck without health insurance. Recently we’ve had several clients in this position,… Read more about Lost your job? Apply for Medicaid ASAP to have a qualifying event when you get another job
From the Health Wonks… are men getting the short end of the stick?
Jennifer from Wing of Zock hosted the Health Wonk Review today, and it’s an excellent edition. One of the most interesting entries is from Hank Stern of InsureBlog, writing about the lack of covered men’s preventive services on new ACA-compliant plans. Overall, I agree with Hank on this one. In the pre-ACA days, women by… Read more about From the Health Wonks… are men getting the short end of the stick?
Burwell v Hobby Lobby – The Wisdom of Justice Ginsburg
I’ve spent the last two evenings reading the text of Burwell v Hobby Lobby. That might sound dull, but I highly recommend it – far more interesting than the text of the ACA or the thousands of pages of associated federal regulations that have been released to supplement it. It’s 95 pages, but it’s a relatively… Read more about Burwell v Hobby Lobby – The Wisdom of Justice Ginsburg
Colorado CHP+ and exchange subsidy eligibility
By now, I think most of our readers are aware that Colorado is one of the states that expanded Medicaid under the ACA, and that exchange subsidy eligibility begins where Medicaid eligibility ends – there is no overlap. Households with incomes up to 133% of poverty level (actually 138%, because the law has a built-in 5%… Read more about Colorado CHP+ and exchange subsidy eligibility
Exchange website troubles and Medicaid expansion in the HWR
Julie Ferguson hosted the Health Wonk Review this week, and it’s a great edition. One of my favorite articles this time around is from Patrick Pine, writing at Healthcare Talent Transformation. Patrick digs into the question of why there were so many exchange website troubles last fall – some of which are ongoing nine months later…. Read more about Exchange website troubles and Medicaid expansion in the HWR
Health Insurance Enrollment Continues to Climb, Despite Being in the “Off-Season”
Open enrollment – including extensions – in the individual health insurance market officially ended more than two months ago, on April 15 in most states, including Colorado. Connect for Health Colorado gave enrollees until the end of May to enroll if they were still waiting for a Medicaid denial as of the end of March,… Read more about Health Insurance Enrollment Continues to Climb, Despite Being in the “Off-Season”
Healthcare costs, Mitch McConnell confused, and over-hyped Sovaldi
Joe Paduda did an outstanding job with this week’s Health Wonk Review – head over and check it out, and I promise you’ll learn something new. Some of my favorites in this edition are from Harold Pollack and David Cutler, Brad Wright, and Roy Poses. Harold and David have a really interesting conversation about healthcare costs and… Read more about Healthcare costs, Mitch McConnell confused, and over-hyped Sovaldi
Reference pricing: Not as scary as it sounds
Several times in the last few days, I’ve seen versions of an article titled something like this one – “New Obamacare loophole shows failure of for-profit health system.” Another is titled “In health care, ‘reference pricing’ could end up costing unwary consumers thousands of dollars.” Scary stuff, huh? Except really, it’s not. Here’s the FAQ… Read more about Reference pricing: Not as scary as it sounds
Copper health insurance plans aren’t for everyone, but it would make sense to have them as an option
Earlier this spring, Karen Ignagni, President and CEO of America’s Health Insurance Plans (AHIP), proposed adding another level of coverage to the currently available metal options. Some have referred to it as a “copper” plan, and it would offer lesser benefits than bronze plans, but would also come with lower price tags. Ignagni referenced the ACA… Read more about Copper health insurance plans aren’t for everyone, but it would make sense to have them as an option
Study analysis and data summaries from some of the best health wonks around
Jason Shafrin, aka The Healthcare Economist, hosted the Health Wonk Review today, and it’s an excellent edition. Some of my favorite articles in this HWR are from Harold Pollack, Tim Jost, and Joe Paduda. Writing at HealthInsurance.org, Harold takes a look at the recent Annals of Internal Medicine study that dug into the data to see how… Read more about Study analysis and data summaries from some of the best health wonks around
ACA articles that lack details are often more spin than reality
Although I typically focus my articles on issues that directly impact the Colorado health insurance market, I recently read an article in the Jackson, MS Clarion Ledger and felt compelled to address some of the issues it presents. The article was written in late April, after the open enrollment extension for 2014 had ended. It’s… Read more about ACA articles that lack details are often more spin than reality
Ways the ACA Could Be Improved Edition of the Health Wonk Review
In Colorado, the snow is melting and the flowers are blooming. The health wonks around the blog world have given us an excellent collection of articles this week, many with suggestions of ways the ACA could be improved. Our favorite part of hosting the HWR is reading all of the different perspectives that the writers… Read more about Ways the ACA Could Be Improved Edition of the Health Wonk Review
Short term health insurance is your best option if you missed open enrollment
Short term health insurance plans don’t have an open enrollment period Short term health insurance plans may be the best option if you missed open enrollment and you don’t have a qualifying event. Get short term health insurance quotes Qualifying events include marriage, divorce, birth, adoption, moving to a new area where different plans are… Read more about Short term health insurance is your best option if you missed open enrollment
ACA here to stay, workplace safety, and a decrease in inpatient care
Billy Wynne hosted the most recent edition of the Health Wonk Review, and it’s excellent. Billy’s website, Healthcare Lighthouse, is an excellent resource that I found thanks to this HWR – check it out if you haven’t already. Some of my favorite articles in this edition come from Wendell Potter, Julie Ferguson and Brad Flansbaum…. Read more about ACA here to stay, workplace safety, and a decrease in inpatient care
Colorado making great progress covering the uninsured and underinsured
Last November, the 2013 Colorado Health Access Survey was released with a variety of updated data, including the number of Colorado residents who were uninsured in 2013: about 741,000. That was down from 829,000 two years earlier, but is still 14% of our state population. And it doesn’t include the people who are considered underinsured… Read more about Colorado making great progress covering the uninsured and underinsured
Connect for Health Colorado Updates On The End Of Open Enrollment for Health Insurance in 2014
Back in October, six months probably seemed like plenty of time to have open enrollment for health insurance in 2014. And for all the procrastinators out there – you know who you are! – there was always tomorrow. But we’re now down to just one week remaining in open enrollment. The good news is that… Read more about Connect for Health Colorado Updates On The End Of Open Enrollment for Health Insurance in 2014
Health Wonk Review at Wright on Health
Brad Wright hosted the most recent Health Wonk Review at his excellent blog, Wright on Health, and it’s a must-read. Or in some cases, a must-watch. Check out healthpolicy.tv, a resource submitted to the HWR by Jared Rhoads. Plenty of good stuff on there, with viewpoints from a variety of political perspectives. And also don’t… Read more about Health Wonk Review at Wright on Health
Wouldn’t it be more efficient to spread ACA open enrollment across the whole year?
As we head into the final few weeks of open enrollment, there’s likely to be a surge of applications both on an off the exchange. And that means an uptick in phone calls to carriers and brokers, ID cards and policies being mailed out, premium payments being processed… all of the things that go along… Read more about Wouldn’t it be more efficient to spread ACA open enrollment across the whole year?
Connect for Health Colorado Exceeding Enrollment Targets
By February 17, Connect for Health Colorado had enrolled 79,779 people in private health insurance plans, and another 128,219 in Medicaid. Prior to the start of open enrollment, CMS published monthly enrollment targets for each state – based on those numbers, Colorado’s target for the end of February was 73,600 people enrolled in private plans…. Read more about Connect for Health Colorado Exceeding Enrollment Targets
Understanding Drug Formularies On New Individual Health Insurance Plans In Colorado
Colorado residents only: Compare how each health insurance company covers your medication with our exclusive Colorado prescription drug formulary transparency tool. Opponents of the ACA have raised the issue of drug formularies as a negative aspect of the new ACA-compliant plans, complaining that the new plans won’t cover all of the medications people need. Just like many of their… Read more about Understanding Drug Formularies On New Individual Health Insurance Plans In Colorado
Connect for Health Colorado Enrollment Update And Upcoming Deadlines
Between December 29 and January 31, Connect for Health Colorado enrolled 19,502 people in private qualified health plans. When HHS released their December report last month, Colorado’s total enrollment in QHPs was just over 50,000 people. That number had climbed to nearly 70,000 people by the end of January. Total enrollment at the end of… Read more about Connect for Health Colorado Enrollment Update And Upcoming Deadlines
It’s Not Just About Supply And Demand For Labor – The ACA Makes Life Better, Increases Choices
Last week, the CBO released a report that sent the internet into paroxysms of spin. Initially – and much to the delight of ACA opponents – numerous media outlets reported that the CBO was predicting a loss of more than 2 million jobs over the next decade as a result of the ACA. Then they… Read more about It’s Not Just About Supply And Demand For Labor – The ACA Makes Life Better, Increases Choices
Future Healthcare Expenses Will Not Necessarily Mirror Past Expenses
I recently wrote an article responding to the Americans for Prosperity video about Emilie Lamb that has been making its way around the internet. I spoke with Emilie and took a good look at the plan she used to have, comparing it with her new Platinum plan. To sum it up, her old plan was… Read more about Future Healthcare Expenses Will Not Necessarily Mirror Past Expenses