Common Sense and ObamaCare Sicker Shock
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Below we provide some common sense insight into 2016’s sticker shock for ObamaCare’s premiums and deductibles.
State-Based ObamaCare Alternative – Sec. 1332. Waiver for State innovation
Using a Sec. 1332. Waiver for State innovation states can create their own ACA alternative, including a state-based single payer system.
Why Single Payer Must Remain on the Table
Despite improvements to the ACA (ObamaCare) being a smart focus for Democrats, Single Payer must remain on the table and in the Democratic party platform.
Health Insurance Premium and Cost Sharing Explanation
A Quick and Simple Guide to Health Insurance Costs and Assistance Types of health insurance costs include: monthly premiums and out-of-pocket costs / cost sharing (copays, coinsurance, deductible, out-of-pocket maximum). Here the premium is what one pays for the policy, and then cost sharing is a reference to the part of the costs the plan covers… Read More
Drug Prices and the Cost of Healthcare
Whether it is individual costs, insurers costs, or costs as a nation, drug price increases go hand-in-hand with rising costs under the ACA. This is a monetary and moral issue, but where is congress and where is the code of ethics?
The Psychology of ObamaCare’s Advanced Tax Credits and Repayment Limits
When it comes to Advanced Premium Tax Credits, it is always tempting to take the maximum amount you qualify for. However, repayment limits can mean owing back credits.
Paid Back the ACA Subsidy – Story
About 71% of Americans made less than $50,000 last year. I can’t verify the following facts, but your blood should boil
How to Enroll in a Plan at the Last Minute
Here is a quick guide for enrolling in Healthcare.Gov coverage at the last moment.
We Need a Public Health Plan Like Canada – Story
What we need is a government plan modeled after the Canadian health plan of which everyone is treated the same and paying his own fair share.
Insurance Costs Keep Going Up – Story
I don’t care what I read from this site or opposing sites. I care about what actually is happening. What actually has happened with my insurance is the cost has gone up every year since this bill was passed. the coverage has gotten worse every year, while the deductibles and premiums have gone up. Every… Read More
Price-Gouging CEO and the Effects on For-Profit Pharma
Profit creates competition on a good day, on a bad day a 32 year old ex hedge fund guy under investigation hikes an AIDS drug from $13.50 to $750 to profit off the sick and taxpayers. This event raises the question: How do we avoid price-gouging on taxpayer subsidized items and how much profit and regulation belongs in drugs and treatments that treat chronic illness?
Health Plan Options for College Students
College students have a number of health plan options including the Marketplace, Medicaid, school health plans, catastrophic plans, and their parents plan. Below we take a look at student health options under the Affordable Care Act (ObamaCare). FACT: A university health plan counts as Minimum Essential Coverage for ObamaCare if it’s fully insured or self insured. Aside… Read More
Mailing Address Change Automatically Cancels Obamacare Subsidy – Story
March 1, 2015 A new health insurance policy with Blue Cross Blue Shield of NC (BCBSNC), subsidized by Healthcare.gov begins. The subsidized rate is $257.83. This replaces my policy with BCBSNC that, on Jan 1, increased from $295 to $405 due to me turning 50. April 23, 2015 I called the Marketplace 800# (Healthcare.gov) to… Read More
Kaiser Survey Says, “People like ObamaCare” (ish)
A recent survey from KKF.org shows that people like their non-group insurance under ObamaCare. The findings are pretty remarkable showing that Republicans are more likely to dislike their insurance then independents or democrats, more people are benefiting from plan costs under the ACA then not, and the only thing people like less than ACA-compliant plans are plans that aren’t ACA compliant.
Is Medicare Part B Required to Stay on Supplemental?
Generally someone needs to have Original Medicare to get supplemental coverage. Some insurances allow deferment of Part B without a penalty, but TRICARE requires Part B.
High Deductible Plan Too Expensive?
Under the ACA cheaper plans typically have high deductibles, the ACA limits what these can be, but it can still be costly. Here are some tips and tricks.
Allowed Amount and Balance Billing (Health Insurance)
An allowed amount is the maximum amount an insurer will pay for a covered health service, the remainder owed by the insured is called “balance billing”. Allowed Amount Versus No Dollar Limits No lifetime or annual dollar limits means there is no limit to what an insurer will spend on all care as a whole,… Read More
Why is There No Regulation on Health Insurance Premiums?
Health insurance premiums aren’t regulated, they are just subsidized based on income, but cost sharing and benefits are regulated by the ACA.
What is the Best Health Insurance Plan?
The best health insurance plan for an individual or family is going to depend on the income and needs of that family. With that said, many will find a marketplace plan that qualifies for cost assistance to be the best value for them. Very generally speaking the best health plan when it comes to benefits… Read More
King V Burwell Simplified
We’ve simplified King V Burwell, the ObamaCare subsidy lawsuit. We explain the Supreme Court case, its history, ideology, and outcome in simple terms. King V Burwell Summary King V Burwell was a lawsuit heard by the Supreme Court in 2015. It challenged the legality of subsidies issued by the IRS on behalf of states that used… Read More
Do I Lose My Cost Sharing I Paid When Switching Plans?
In general, all private plans have adopted the calendar year as a policy period. This makes switching plans easy in regards to cost sharing.
Self-Employed Health Insurance
ObamaCare and Health Insurance for the Self-Employed The Affordable Care Act (ObamaCare) has some important implications for how the self-employed go about obtaining, maintaining, and paying for health coverage. If you’re self-employed, most of the healthcare provisions in the ACA apply to you. Let’s take a look at how you’re affected by ObamaCare, how you can reduce the cost of coverage, and how… Read More
What Do I Do When Health Provider Doesn’t Honor Contract?
I have joined one of the Health Care Insurance Group. As a member they gave me a Members Kit, which has the Exclusive provider Organization Contract. In that contract under Section 6.1.8.Screening for Prostrate Cancer; it states that the Insurance Company covers an Annual standard Diagnostic Examination not subjected to Co-payments or Deductibles when provided Participating… Read More
What are Health Insurance Networks?
How Health Insurance Networks Work With Health Insurance The general types of networks are HMOs and PPOs. A given provider will then either be “in-network” or “out-of-network” for a given plan. You and your insurer save money by using “in-network providers.” You’ll almost always have different cost-sharing when you use a provider “out-of-network,” so you’ll… Read More
Self Employed Premiums Unaffordable
My husband and I have not been helped but hurt and our details are below. But before I get into our details want to say that middle income people who do not qualify for subsidies, especially those who do not have health coverage via an employer (e.g. self employed or those who work for employers… Read More