John Martie, President of Anthem Blue Cross Blue Shield in Colorado, has written an article with pointers consumers can use when choosing a health insurance policy. His article focuses on group coverage, but I think his advice is just as pertinent for people searching for their own health insurance in the individual market. […]
Individual/Family Health
Health Insurance And The Free Market
For Colorado residents who are unable to afford a private policy, or unable to qualify at any price, we need a safety net funded with tax dollars. For essential commodities, I don’t believe that having a government back up system signifies the downfall of the free market – it just guarantees a service that isn’t adequately provided in a fully market-driven system. […]
Health Insurance Tax Credit Does Not Solve The Problem
[…] In order for health care reform to work, it has to work for everyone. We need a solution that spreads the cost of health care evenly across the entire population (adjusted for income, just as taxes are) and doesn’t leave large groups (like people with pre-existing conditions) to fend for themselves with no good health insurance options available.
No Health Insurance – Not A Matter Of Choice
At the Colorado Health Insurance Insider, we strongly believe that there are some fundamental problems with our health care system, not the least of which is the often-quoted statistic that 47 million Americans are without health insurance. Let’s take a look and see how many of these people are truly choosing to be uninsured […]
The Cost Of Individual Health Insurance In Colorado
[…] Of course Colorado – like most states – uses medical underwriting on individual health insurance policies. And if underwriting were no longer allowed on Colorado policies, we could very well see the average family premium exceed $700/month. But for now, $5000 goes a long way towards paying for a health insurance policy in Colorado. […]
Health Care Reform Overshadowed By Economic Crisis
The Senate Finance Committee met this week to discuss ideas for lowering the number of Americans without health insurance. Democratic Senator Ken Salazar from Colorado mentioned that regardless of what ideas congress comes up with to reform our broken health care system, the “ominous cloud” of the government bail out for the financial industry “may… Read more about Health Care Reform Overshadowed By Economic Crisis
Lower Rate Increases Often Come With Fewer Benefits
[…] Once HB1355 takes effect in Colorado in January, we’re likely to see even more small businesses switching to lower-cost, high deductible health insurance plans. HSAs will eventually lead to more transparency in health care and more savvy consumers. But it will be a bumpy road for families adjusting to the change
A Bail Out For The Health Care Industry
[…] A little government intervention could go a long way towards getting health insurance and access to health care for all Americans. It does appear that the government is willing to bail out a major free market system if things get bad enough. I just wonder how bad things will have to get in the health care industry before it’s considered bad enough.
Dangerous Bill To Be Aimed at the Individual Market
[…] if you currently have pre-existing health conditions and would like to double or triple your health insurance premiums, contact your legislators and tell them to remove underwriting from individual/family health insurance in Colorado so healthy people no longer have a reason to purchase coverage for the possibility of future health problems.
Individual Health Insurance Reform
[…] while group health insurance is great for employees who have access to it, the increasing premiums are causing headaches for the employers. And for those with no access to group health insurance, pre-existing conditions can be a major hurdle in the quest for individual health insurance in Colorado and 44 other states that use medical underwriting.
Health Care Reform Proposal From Business Roundtable
Business Roundtable, a group consisting of CEOs from some of America’s leading companies, has put together a health care reform proposal. This group represents companies that collectively provide health insurance for 35 million Americans through their employer-sponsored group health insurance policies in Colorado and across the US.
Obama And McCain On Mandatory Health Insurance
[…] No president is going to be able to reform health care on a whim – there are 100 senators and 435 representatives who have some input too. But Obama’s reform proposal is at least aiming towards health insurance for all children in America (in Colorado, 175,000 children are uninsured). It’s a small, but significant, step on the road to health insurance for everyone.
Domestic Medical Tourism
At the Colorado Health Insurance Insider, we’ve written before about medical tourism. I’m open to any options that help to drive down the cost of health care in the US. But while a trip to Thailand might sound wonderful when you’re healthy, it would likely be a bit more daunting if you’re sick, or in pain, or unable to walk because you need a new hip. […]
Looking At US Health Care From A Developing Country
[…] We live in a shockingly wealthy nation. While you might not be able to find a clinic in the US that doesn’t have gloves, you will find millions of Americans who are unable to afford health care or health insurance. For those people, does it really matter that American hospitals can afford all the best medical equipment that the world has to offer?
We Already Ration Health Care
[…] At the Colorado Health Insurance Insider, we believe that everyone should have equal access to quality health care. And if that means that I would no longer have hundreds of doctors on my health insurance network, or immediate access to care for non-emergency conditions, so be it. A little rationing for all of us, but health care for everyone.
Complaint Ratios Updated With 2007 Data
The Colorado Division of Insurance has finished compiling and organizing the data for 2007. Visit the Colorado Health Insurance Company Complaint Ratio Comparison page to see the updated complaint, revenue, and market share statistics from the division of insurance along with the A.M. Best Rating information we’ve added alongside. We hope this makes it easier for you to shop for health insurance in Colorado, but you can always contact us for our expert assistance at no cost!
Health Care Reform Losing Ground
[…] while it would be nice to see sweeping reform that provides access to health care for the 47 million Americans (760,000 of them right here in Colorado) who don’t have health insurance at all, I’d be happy with anything that puts us on the path towards lowering that number and reducing the inequitable nature of our current health care system.
Watch Out For Medical Discount Plans in Colorado
Medical discount plans are being marketed heavily in northern Colorado at the moment. The Greeley Tribune is reporting that faxes are circulating with promises of $10 and $25 copays, and savings of “up to 60%” – keep in mind that a 1% savings still falls in the category of “up to 60%.” These plans are not health insurance […]
The Economics Of Obesity
[…] I’d like to see a similar program in Colorado. With lots of help provided for those looking to lose weight. Anything that could lower our obesity rates would lessen the amount we’re spending every year to treat obesity-related health problems. And that would in turn have an impact on health insurance premiums, which would benefit all of us.
Health Insurance 101
[…] We talk to clients in Colorado on a regular basis who aren’t aware that individual health insurance is medically underwritten. Since this is the case in 45 states, it’s not something you want to be finding out after you’ve already quite your job and lost your group benefits. A high school class detailing the basics of insurance would be a good start.
Taxes And Health Care
I like a system that rewards people who put aside money to pay for medical bills. We encourage our clients in Colorado to apply for high deductible health insurance and set up HSAs if they are able to do so. But tax breaks for health care shouldn’t be limited to those who have the means to fund an HSA, or to people with very high medical bills relative to their income. […]
The Power Of Anecdotes
[…] We talk to clients in Colorado on a regular basis who have very little in the way of options for health insurance, despite their best efforts to obtain coverage. Should we simply tell these people that life isn’t fair, and carry on with our day? I just don’t think that’s enough. There but for the grace of God go a lot of us.
What A Difference Fifteen Years Makes
Harry and Louise are back. Where they once talked about the evils of rationed health care in a government run system and how “having choices we don’t like is no choice at all,” now they’re talking about people without health insurance “falling through the cracks.” The ad will debut on tv today, just in time for the convention in Colorado next week […]
Health Care In A Drug Store
[…] SmartCare just closed 15 clinics here in Colorado last month, for what appears to be financial reasons. But if this type of clinic can operate successfully, provide a service to patients, keep costs reasonable, and take walk-in patients without health insurance, they could be a great addition to our health care system.
Grand Rounds And Prescription Drugs
[…] Perhaps in the future we’ll have a system that allows for more coverage of pre-existing conditions on individual health insurance policies. But for now, we don’t. It would be in the best interest of consumers -in Colorado and elsewhere – to question whether a lifestyle adjustment instead of an Rx might do the trick and also preserve their insurability.