Colorado is releasing their menu of plans for the Exchanges for 2017. Unsubsidized rates went up and the number of offerings declined. That is bad news. The good news is Colorado seems to have adopted a Silver Gap strategy which should lead to higher enrollment and healthier pools. The spread between the #1 and #2 …
Choice Space, ESI and Human Resources
Satisficing is choosing a solution that meets minimally defined criteria because the search costs of finding the optimal solution to a problem are too high and we are humans with bounded rationality and limited focus and attention spans. A common case of satisficing is finding and taking the first parking space seen at the mall …
Visible subsidies and systems of No
CNBC is highlighting an interesting analysis from the Urban Institute. The Urban Institute tries to calculate an apples to apples price comparison between Exchange and Employer Sponsored Insurance (ESI) on the Healthcare.gov states. Insuring people through Obamacare — which was crafted in part to cover people who can’t get health insurance through their jobs — …
Modifier codes and well visits
By this point in the soccer season, something usually hurts. Last night, I was running a line on a bad field and tweaked my ankle. Thankfully I did not roll it, but I jammed it on a divot. I iced it last night. I’m keeping it elevated and compressed today. And once I’m done …
APTC Hacks: Can an MCO plan Silver Spam by itself?
While I was misreading a tweet last night, I ended up thinking if an Exchange carrier who builds their products off of a Medicaid managed care organization (MCO) base can successfully use the Silver Spam strategy in regions where they are the only carrier. AZ’s Pima County is gaining another #ACA insurer: Centene. Will …
APTC Hacks: Can an MCO plan Silver Spam by itself?Post + Comments (3)
Employer sponsored coverage notes
Just a few interesting things on the employer sponsored coverage (ESI) beat as that is where most people get their private market coverage. First Bruce Japsen passes along some good news on ESI premiums. In a new analysis, Mercer said per-employee health costs will rise 4% after companies make changes like raising worker deductibles or …
Risk corridors and well capitalized insurers
Last December in one of the pieces that I really like, I noted that the risk corridor Rubio-con provisions would not kill PPACA. It would just shift the field towards well capitalized insurers that could wait a couple of years with massive funding gaps on the balance sheet. That is good news in the long …
Risk corridors and well capitalized insurersPost + Comments (9)