The Potential Fiscal Consequences of Not Providing CSR Reimbursement
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Below is a copy of the 2015 study published on HHS, “The Potential Fiscal Consequences of Not providing CSR Reimbursement.”
2018 Cost Sharing Reduction Subsidies (CSR)
How Do Cost Sharing Reduction Subsidies Work? ObamaCare’s Cost Sharing Reduction Subsidies (CSR) lower out-of-pocket costs, based on income, for Silver plans bought on the Health Insurance Marketplace. Please note that CSR subsidies are paid to insurance companies, not to individuals. They are intended to offset the expenses of offering lower-cost health insurance to qualifying individuals. Eliminating… Read More
Get Ready for 2018 Open Enrollment
ObamaCare’s open enrollment period for 2018 starts on November 1st, 2017 and ends on December 15th, 2017. This is what you need to know to enroll for 2018. Some states have longer enrollment periods, so you will have to check your state’s rules. • Open enrollment is the only time you can get cost assistance, enroll… Read More
A Summary of the Graham-Cassidy Obamacare Repeal Bill
We explain the gist of the Graham-Cassidy Obamacare repeal bill. In short, it looks a lot like the last repeal attempt, the Better Care Reconciliation Act.
Bernie Sanders Introduces Medicare for All Act of 2017
We explain the basics of the Bernie Sanders Medicare-for-all bill, a bill to expand universal coverage to all Americans by expanding Medicare.
Why Isn’t Health Insurance or Care Affordable?
We look at the Affordable Care Act, asking why many people’s medical insurance or care is unaffordable.
My Obamacare Story, It Is Expensive – Story
The only thing Obamacare has done has changed who isn’t getting medical care. And made the insurance companies richer.
Is the Congressional Budget Office (CBO) Trustworthy?
Can we Trust CBO figures? Republicans argued the Congressional Budget Office inaccurately projected the numbers of people left uninsured by proposed programs. Can the CBO be trusted? What is the CBO? The CBO has provided Congress with reliable and impartial budget information on the efficacy of policies for over four decades. It has a track… Read More
Senate Unveils Latest Version of their ObamaCare Repeal and Replace Bill
The senate just unveiled the latest version of their ObamaCare repeal and replace bill (an updated version of the Better Care Reconciliation Act of 2017).
Did the ACA Lead to High Medical Costs?
On this page we ask the question, “did the ACA (ObamaCare) lead to higher medical costs, or is something else causing the increase in healthcare costs?”
There is No “Death Spiral”: Insurance Premiums Stabilizing under ACA
A new report from the Kaiser dispels the “ObamaCare death spiral” myth, showing that insurance premiums are generally stabilizing under the ACA.
Can Unaffordable Care be Fixed by “Repealing” the ACA?
We look at the question, “can repealing the ACA or its key provisions bring down the cost of health insurance / healthcare?”
What are Medicare Drug Formularies?
What are Drug Formularies For Medicare Plans? Medicare Prescription drug lists (formularies) are lists of covered drugs, placed into different tiers, where each tier has different costs. Each Medicare plan that provides drug coverage has its own list of covered drugs and costs that follow a set of common rules. Below we will explain more about… Read More
Iowa’s ObamaCare “Stopgap Measure” Hurts Lower Incomes, but Could Help Stabilize Markets
We explain Iowa’s stopgap measure that cuts cost assistance for the poorest, including out-of-pocket assistance, but could help stabilize their health insurance market.
Trump is Reportedly Considering Ending ObamaCare’s CSR Subsidies
Trump is reportedly considering ending ObamaCare’s CSR Subsidies for out-of-pocket costs. This would affect customers starting during open enrollment.
Obamacare Helped Lower Personal Bankruptcies By Nearly 50%
The Affordable Care Act (ObamaCare) helped lower personal bankruptcies by nearly 50% according to a study by Consumer Reports. The ACA’s provisions, including caps on lifetime and annual limits, the new essential health benefits, mandated coverage for pre-existing conditions (in conjunction with other factors like tighter credit requirements, job growth, and new bankruptcy laws) resulted in bankruptcy… Read More
What is Wrong With ObamaCare and How Do We Fix It?: Suggestions For Fixing ObamaCare
Below is an explanation of what is wrong with ObamaCare along with a large collection of centered suggestions for how to fix it.
ObamaCare Open Enrollment 2018
Published: April 10, 2017 Last Updated: Sept 7, 2018 Understanding ObamaCare’s 2018 Open Enrollment Period ObamaCare’s 2018 Open Enrollment period started November 1, 2017 and ends on December 15, 2017. However, some states extended enrollment until January 2018. See state-specific deadlines for 2018 coverage below. Open enrollment is the only time you can enroll in a health… Read More
The American Health Care Act Review
We review and explain each of the provisions in the House bill to repeal and replace ObamaCare, “The American Health Care Act”.
The Obamacare Repeal and Replace Plan Reviewed and Explained
We review “the American Health Care Act” (The New ObamaCare Replacement Plan) to help everyone understand the proposed changes.
CNN Obamacare Debate Fact-Checked
We fact-check the full CNN ObamaCare debate between Bernie Sanders and Ted Cruz. We also provide a transcript and the full video.
Trump Administration Submits Rule to Stabilize Individual Insurance Market
The Trump Administration submitted a rule meant to stabilize the insurance market. We explain the proposed rule.
Time is Running Out to Sign Up for Marketplace Insurance
Open Enrollment for Marketplace insurance ends January 31st. Even though the future of the ACA is less than certain, there are no changes to Marketplace insurance or Cost Assistance yet. If you are still in need of health insurance for 2017, please sign up at Healthcare.gov or your state’s Marketplace while you still can. Support Marketplaces and Cost Assistance… Read More
Healthcare Providers Are Concerned About Potential ACA Repeal
Healthcare providers across the nation are unsure of whether they will be able to survive an abrupt repeal of Obamacare without a comprehensive replacement.
How Obama Care Changed My Retirement – Story
Why do the middle income carry all the burden? There are fewer of us every day.