In a perfectly competetive market with numerous carriers offering plans on and off Exchange, my hobby horse of Silver Gap and Silver Spam analysis should be a short term event. It would have been a viable strategy in 2014 and 2015 as carriers had different assumptions about what the market looked liked and priced differently. …
About those price hikes
Yep, Qualified Health Plans in the individual market are seeing roughly a 25% price hike year over year. For people who are buying on Exchange, the vast majority of that price hike will be hidden if they are being subsidized and if they are willing to switch plans. For people who are buying off-Exchange or …
Healthcare.gov Silver Spreads for 2017
Using the 2017 QHP Landscape PUF file , I was able to build a map of the Silver Gap and Silver Spams regions of that are served by Healthcare.gov Dark red is a small gap and dark green is a large gap. The smallest gap is $.03 while the largest gap is in …
Arizona’s odd lack of segmentation
A friend of the blog passed me the Arizona approved rates for the 2017 Exchange year. They look really odd to me. Not the premiums (#’s are for 40 year single non-smoker with no subsidy), but the plan offering array seems very strange. I really want to look at two rating areas to pull out …
Silver Gap in Philadelphia
The Pennsylvania Department of Insurance has a good set of data for the plans that they approved with final rates. It is sorted by county, issuer, metal level and price for the 21 year old non-smoker. Philadelphia is a very large market with very limited competition. There are two insurers offering a total of three …
A Prediction for the SCOTUS and the next GOP trifecta
Let’s assume that Hillary Clinton appoints at least one new net liberal to the Supreme Court during her term in office. In that scenario, the minimal composition would be five center left jurists, one idiosyncratic moderate conservative, one corporate conservative who has a fascination with “sovereign dignitude” and a pair of justices who think Lochner …
A Prediction for the SCOTUS and the next GOP trifectaPost + Comments (153)
A rolling Constitutional Crisis
in which John McCain pledges Senate Rs will block *any* SCOTUS nominee Hillary Clinton puts up: https://t.co/R5fn7SU9aG pic.twitter.com/o1QyzHVSyo — Phil Mattingly (@Phil_Mattingly) October 17, 2016 And this is Good News for John McCain as it helps him consolidate his Teabagging base. This is basically saying that any Democrat is fundamentally illegitimate and they are not …