Health Reform

From Inside Health Insurance Exchanges - A recent study concludes that an influx of new competitors participating on public exchanges helped keep coverage costs in check. Across all states, the average premiums for the second lowest-cost silver plans (i.e., the benchmark plan) sold on public exchanges were flat from last year, according to research from the National Opinion Research Center (NORC) and released last month by the Commonwealth Fund. For 2015, the average benchmark plan premium was $314 per month. Last year, benchmark plans accounted for 65% of exchange-based enrollment. Read more

From Inside Health Insurance Exchanges - Hindered by high premiums, fierce competitors and virtually no name recognition, many Consumer Owned and Operated Plans (CO-OPs) were slow to get out of the gate last year. For the 2015 plan year, however, CO-OPs in many markets underpriced more established players inside and outside of the public insurance exchanges. Read more

Health Reform Blog

By Steve Davis - December 30, 2014
Just before Christmas, Iowa-based CoOportunity Health, Inc. got something far worse than a stocking bulging with coal…it received word that it could be forced into liquidation. Iowa’s Insurance Commissioner Nick Gerhart will take over as “rehabilitator” for the Consumer Operated and Oriented Plan (...
By Steve Davis - December 5, 2014
In June, three years will have passed since the Supreme Court ruled that the Affordable Care Act (ACA) went too far by withholding all Medicaid funding from states that don’t expand program eligibility to adults with annual incomes up to 133% of the federal poverty level. Since that decision, just...
By Steve Davis - October 6, 2014
Many carriers that watched from the sidelines a year ago will jump into the insurance exchange game when open enrollment kicks off Nov. 15. But it was one carrier’s decision to drop out that grabbed headlines last month. Obamacare critics were quick to point to the decision as proof that the...

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