Monthly Archives: September 2014

Employer-sponsored coverage not as valuable as it used to be






Ever since the Affordable Care Act was signed into law, we’ve talked about how the health reform law makes employer-sponsored coverage less beneficial for employees. There are three reasons for this position: 1. All plans are now guaranteed-issue, so employees … Continue reading






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More Competition in the Individual Marketplace






A brand-new issue brief from the Department of Health and Human Services highlights the increased competition we’ll witness in the individual marketplace this year in most states, whether they have set up their own state exchange or are using the … Continue reading






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Ignorance is Bliss: Nearly Half of Uninsured Unaware of Individual Mandate, Exchanges






People live in their own little world, and a new poll proves it. NJBIZ reports on a new Harris poll conducted on behalf of Transamerica Center for Health Studies that finds a whopping 46 percent of the uninsured “still have … Continue reading






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Court Tosses Out Employer Mandate Lawsuit






A federal appeals court has tossed out a lawsuit filed by the Association of American Physicians and Surgeons that argued that the delay in the employer mandate hurts physicians financially. The three judge panel, all Republican appointees, ruled that the … Continue reading






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Good News about Exchange Enrollees






So far, none of the doomsday scenarios predicted by critics of the Affordable Care Act have come true. It’s still way too early to call it a success: since many of the healthy small groups have 12/1 effective dates and … Continue reading






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New Study about the “Family Glitch”






Anyone who’s paid any attention to what we’ve been saying for the past 4+ years has heard us explain, repeatedly, how the design of the subsidies is goinig to create big problems for employers and employees. As we all know, … Continue reading






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New promo tactics for this year’s enrollment season






The three-month ACA open enrollment period starts just two months from today. Are you ready? That’s a question a lot of people seem to be asking the administration and the government agencies charged with implementing the law. The answer we’re … Continue reading






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What if you make 401% of the FPL?






A new study by the Annals of Internal Medicine, as reported by the Cleveland Plain Dealer , says that, for many people whose income is just above 400% of the Federal Poverty Level – about $47,000 for an individual – … Continue reading






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Rate Shock vs. Access Shock






Yesterday, we wrote about the net decrease that’s expected in individual health insurance premiums next year. Part of the reason for the lower-than-expected rates, according to the Washington Examiner, is that “the new health insurance exchanges drove a hard bargain … Continue reading






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New Study: Prices Could Be Dropping






The market is definitely getting mixed signals about the direction premiums are heading next year. A number of recent reports have said prices in the individual market are going up, but a new article from the Kaiser Family Foundation says … Continue reading






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