• Menu
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

Before Header

  • About Us
  • Lexicon
  • Contact Us
  • Our Store
  • ↑
  • ↓
  • ←
  • →

Balloon Juice

Come for the politics, stay for the snark.

It may be funny to you motherfucker, but it’s not funny to me.

Motto for the House: Flip 5 and lose none.

A democracy can’t function when people can’t distinguish facts from lies.

Take your GOP plan out of the witness protection program.

Conservatism: there are some people the law protects but does not bind and others who the law binds but does not protect.

Never entrust democracy to any process that requires republicans to act in good faith.

“Everybody’s entitled to be an idiot.”

The revolution will be supervised.

Prediction: the GOP will rethink its strategy of boycotting future committees.

When do the post office & the dmv weigh in on the wuhan virus?

Consistently wrong since 2002

American History and Black History Cannot Be Separated

If senate republicans had any shame, they’d die of it.

People are complicated. Love is not.

You cannot shame the shameless.

Teach a man to fish, and he’ll sit in a boat all day drinking beer.

… riddled with inexplicable and elementary errors of law and fact

Tick tock motherfuckers!

Perhaps you mistook them for somebody who gives a damn.

Shallow, uninformed, and lacking identity

Peak wingnut was a lie.

Whoever he was, that guy was nuts.

Red lights blinking on democracy’s dashboard

Not so fun when the rabbit gets the gun, is it?

Mobile Menu

  • Winnable House Races
  • Donate with Venmo, Zelle & PayPal
  • Site Feedback
  • War in Ukraine
  • Submit Photos to On the Road
  • Politics
  • On The Road
  • Open Threads
  • Topics
  • Balloon Juice 2023 Pet Calendar (coming soon)
  • COVID-19 Coronavirus
  • Authors
  • About Us
  • Contact Us
  • Lexicon
  • Our Store
  • Politics
  • Open Threads
  • War in Ukraine
  • Garden Chats
  • On The Road
  • 2021-22 Fundraising!
You are here: Home / Anderson On Health Insurance / Silver switcheroo for you and me too

Silver switcheroo for you and me too

by David Anderson|  August 6, 20187:08 am| 3 Comments

This post is in: Anderson On Health Insurance

FacebookTweetEmail

CMS released a technical guidance document on Friday that was very interesting to me, half a dozen other ACA pricing nerds and a bunch of insurers.  It has some very interesting news and hints about the future:

This is the federal government encouraging states to help their insurers hold harmless as many people as possible from the termination of regular CSR payments. And they even propose a twist that I had not thought about, Broad Switch.

Last year, we laid out four different options states had in the eventuality that CSR payments would be terminated.

Most states opted to allow insurers to put the CSR incremental costs onto only the Silver plans.  This is the “Silver Load” strategy that I’ve been talking about for over a year now.  Silver loading makes everyone but for off-Exchange Silver buyers either better off or worse off.  Silver loading requires these folks to either pay more or switch metal bands.

Some states, like California, took it a step further and had the CSR costs loaded onto only on-Exchange Silver plans with required near-mirror image off-Exchange only plans that had no CSR costs loaded.  This is the “Silver Switch.”

The Silver Switch holds everyone harmless if people are willing to spend time shopping for a plan of the metal type that they like.

CMS is strongly recommending states to Silver Switch.

This is interesting.  This improves the customer experience.  It also gives a hint that Silver Loading is here to stay.  I am updating my priors from Friday morning.  I think Silver Loading is far more likely to be around for the 2020 plan year than I thought last week.

 

FacebookTweetEmail
Previous Post: « Monday Morning Open Thread: Just A Song At Twilight
Next Post: A Bit Of Chemistry »

Reader Interactions

3Comments

  1. 1.

    MomSense

    August 6, 2018 at 10:33 am

    Well I’m a bronze now, which is at least on the medal podium, and I wouldn’t mind moving up.

  2. 2.

    p.a.

    August 6, 2018 at 11:03 am

    Who are these people- CMS etc? They seem to be doing a decent job trying to counteract Rethug sabotage. Career civil servants? What kind of accounting/actuarial/economics/healthcare backgrounds? Not political appointees or I would think they’d all be Fed Society/Cato hacks.

  3. 3.

    David Anderson

    August 6, 2018 at 11:24 am

    @p.a.: Most of CMS are career professionals.

Comments are closed.

Primary Sidebar

Recent Comments

  • WaterGirl on Everything That’s Good – Mockery Goes So Well With Coffee, Ice Cream, Forever Potus, Biden and MVP (Mar 31, 2023 @ 2:35pm)
  • OzarkHillbilly on Everything That’s Good – Mockery Goes So Well With Coffee, Ice Cream, Forever Potus, Biden and MVP (Mar 31, 2023 @ 2:34pm)
  • Alison Rose on Everything That’s Good – Mockery Goes So Well With Coffee, Ice Cream, Forever Potus, Biden and MVP (Mar 31, 2023 @ 2:34pm)
  • WaterGirl on Everything That’s Good – Mockery Goes So Well With Coffee, Ice Cream, Forever Potus, Biden and MVP (Mar 31, 2023 @ 2:34pm)
  • Josie on Everything That’s Good – Mockery Goes So Well With Coffee, Ice Cream, Forever Potus, Biden and MVP (Mar 31, 2023 @ 2:34pm)

Balloon Juice Meetups!

All Meetups
Seattle Meetup coming up on April 4!

🎈Keep Balloon Juice Ad Free

Become a Balloon Juice Patreon
Donate with Venmo, Zelle or PayPal

Fundraising 2023-24

Wis*Dems Supreme Court + SD-8

Balloon Juice Posts

View by Topic
View by Author
View by Month & Year
View by Past Author

Featuring

Medium Cool
Artists in Our Midst
Authors in Our Midst
We All Need A Little Kindness
Classified Documents: A Primer
State & Local Elections Discussion

Calling All Jackals

Site Feedback
Nominate a Rotating Tag
Submit Photos to On the Road
Balloon Juice Mailing List Signup
Balloon Juice Anniversary (All Links)
Balloon Juice Anniversary (All Posts)

Twitter / Spoutible

Balloon Juice (Spoutible)
WaterGirl (Spoutible)
TaMara (Spoutible)
John Cole
DougJ (aka NYT Pitchbot)
Betty Cracker
Tom Levenson
TaMara
David Anderson
Major Major Major Major
ActualCitizensUnited

Join the Fight!

Join the Fight Signup Form
All Join the Fight Posts

Balloon Juice Events

5/14  The Apocalypse
5/20  Home Away from Home
5/29  We’re Back, Baby
7/21  Merging!

Balloon Juice for Ukraine

Donate

Site Footer

Come for the politics, stay for the snark.

  • Facebook
  • RSS
  • Twitter
  • YouTube
  • Comment Policy
  • Our Authors
  • Blogroll
  • Our Artists
  • Privacy Policy

Copyright © 2023 Dev Balloon Juice · All Rights Reserved · Powered by BizBudding Inc

Share this ArticleLike this article? Email it to a friend!

Email sent!