When an employee group goes to insurance company to cover its members, it has two basic types of contracts it can buy. The bells and whistles will change dramatically within the type, but there are only two types. The first type is a full insurance model where the insurance company takes on the medical cost …
Where grandfathers go to die
President Obama’s claim that if an individual likes their health care coverage in 2009 or 2010 is technically true but misleading. It is true that if there has been no plan changes in benefits, network, tiering or basic eligibility, a plan that does not meet PPACA requirements for life time limits, coverage of essential health …
What’s in the 3%
Most people are minimally impacted by Obamacare as they already get their insurance through an employer, through the government or have solid individual coverage. The next largest group of Americans are impacted by Obamacare as they’ll be gaining access to coverage. They’re better off. Then there are two small groups. The first is a group …
Good lord that is a lot of money
A lot of money is being left on the table by the states that are not expanding Medicaid at this time. Don Taylor has the details at Same Facts: According to an analysis I have done using Kaiser Family Foundation data–in 2016 alone–the 24 expanding states will receive $30.3 Billion additional federal dollars, while those …
Medicaid Expansion (Pt. 1)
Right now Medicaid expansion is going fairly well. People who were previously eligible but not enrolled are signing up, and people who are newly eligible in the non-stupid states are signing up. States with Democratic control have overwhelmingly expanded Medicaid eligibility and states with Republican control where the faction of Republicans who can count to …
Playing games in the corridors
Where I live, there are six health insurance entities offering Silver plans on the Exchange. They can be divided into two groups. The first group contains local, regional and national players who all have a history of offering large network commercial products. Their Silver products are split between general networks and narrow networks that usually …
What she said:
I’m in between OMG got to get things done deadlines right now, so I just want to refer to a great post by Adriana McIntyre: I’ve argued in the past that delaying the individual mandate for a year wouldn’t provoke a full death spiral; it would be an uncomfortable hiccup, but it’s not enough time …