Automatic Plan Renewal on the Exchanges Could Cause Some New Problems

By: Monday July 28, 2014 8:43 am

The Affordable Care Act exchanges will allow people to automatically renew the policy they selected last year but the complexity of how affordability tax credits are calculated means that could cause new problems for people. From the AP: Insurance exchange customers who opt for convenience by automatically renewing their coverage for 2015 are likely to [...]

Should the Health Care Exchanges Just Automatically Assign Everyone a Plan?

By: Wednesday July 16, 2014 9:51 am

The more I read about how regular people interact with the new health insurance exchanges created by the Affordable Care Act, the more convinced I’ve become that most people probably aren’t making the optimal decision. Whether it is surveys showing a majority of people said it was difficult to compare plans, assessments showing very few [...]

People Needed a Lot of Help Using the Affordable Care Act Exchanges

By: Tuesday July 15, 2014 9:47 am

Remember when President Obama repeatedly promised that using the Affordable Care Act exchanges would be as easy as buying stuff on Amazon or Kayak? Well it didn’t quite work out that way. According to the Kaiser Family Foundation, roughly 10.6 million people sought help using the new law via one of several thousand Assister Programs [...]

Exchanges’ Achilles Heel: Health Literacy

By: Monday June 16, 2014 9:34 am

To me, the most fundamental problem with the exchanges is that they depend on people being highly knowledgeable health insurance shoppers and that is never going to happen. Kaiser Health News has a good story shows just how bad health literacy is in this country

Average Exchange Premiums to Increase by 13 Percent in Ohio

By: Friday May 30, 2014 10:48 am

Next year on the federal exchange in Ohio average premiums for individuals are increasing by 13 percent for individuals and 11 percent for small business. According to the Ohio Department of Insurance, 16 companies will sell plans on the exchange with average premiums of $374.42 per month compared to $332.58 per month for the same [...]

Large Employers Could Game the Exchanges for Big Savings

By: Thursday May 8, 2014 12:34 pm

There is the possibility that some companies could start encouraging their most expensive employees to move to the new Affordable Care Act exchanges. This move would save them a large amount of money but drive up premiums on the exchanges and increase what the government needs to spend on subsidizes. Over at Kaiser Health News [...]

The Debate We Should be Having About Exchanges

By: Tuesday May 6, 2014 9:28 am

There is this idea that Republicans are looking for any excuse to attack Obamacare, but that is not true. They are only interested in highlighting problems which reinforce their world view, so many of the most glaring shortcomings with the design of the Affordable Care Act have received little public debate. A perfect example is [...]

How Many Selected the Correct Plan on the Exchange?

By: Thursday April 3, 2014 9:26 am

There are still many unanswered questions about exchange enrollment frequently mentioned. How many people will actually complete the process by paying? What percent were previously uninsured? What will the relatively health of this group mean for premiums next year? etc… Most of these questions are about gauging the risk pool from the perspective of the [...]

Grading Obamacare on a Curve

By: Wednesday April 2, 2014 11:10 am

The Affordable Care Act should be a future case study in setting expectations. What has been defined publicly as “success” or “failure” swings dramatically depending on what narrative dominates that month. Take for example the great press and victory lap President Obama took yesterday for get just over 7 million signups on the exchange. If [...]

Last Minute Surge Gets Obamacare to 7 Million Registration Goal

By: Tuesday April 1, 2014 7:11 am

Anyone who has been to the post office on April 15th will know that many people tend to wait until the very last minute to do things. Signing up for health insurance on proved to be no different.