What Repeal of the Individual Mandate Would Mean to Americans

ThinkstockPhotos-122516159

The Republicans are at it again. The latest negotiations in the Senate on their tax bill have led them back to a proposal to eliminate the individual mandate under the Affordable Care Act. The lure of more than $300 billion in tax savings as calculated by the nonpartisan Congressional Budget Office (CBO) is too big a number… [Read More]

ACA Penalties Are About to Hit Employers

ACA Penalties Are About to Hit Employers

Reach way back into your memory bank to the time when your broker presented you with a “pay or play” analysis to determine whether you comply with the employer mandate under the Affordable Care Act. There was the $2,000 penalty which applies to every full-time employee in the event there was no valid offer of… [Read More]

Healthcare is a Three-Ring Circus

Vector illustration of cartoon circus tents on a blue sky background. Vector eps and high resolution jpeg files included

Open enrollment has started for the 1/1/2018 policy year and anyone faced with a purchase decision is surely confused. On the off chance that any of those prospective healthcare exchange customers are following this blog I thought I would take this opportunity at the start of the shortened open enrollment period to clarify the rules:… [Read More]

Start with Pharmacy to Reduce Healthcare Costs

Medical golden capsule full of coins isolated on white background

I was at dinner the other night discussing President Trump’s lashing out at insurance carriers and issuing an executive order to suspend federal funding for exchange cost-sharing subsidies (which last week I said was misguided). And my friend, a former insurance company executive, pointed out that since the Affordable Care Act’s passage, healthcare company profits and… [Read More]

Healthcare Reform – Finally a Movement Toward Bipartisan Cooperation

Are Association Health Plans a Good Idea

The nine million Americans covered by the federal healthcare exchanges must be feeling a lot like a ping pong ball… It’s a good thing the ball is moving so fast they can’t see it. President Trump has reversed himself again and indicated that he would not support a bipartisan effort to plug some of the holes… [Read More]

Extreme Healthcare Chaos

Stethoscope with American Flag Reflection on Wooden Table.

Turmoil by executive order again… On Thursday, President Trump threw two more giant logs on the raging healthcare marketplace fire by ordering the discontinuance of federal funding for cost-sharing subsides for low income Americans and by directing the Secretary of Labor to provide guidance on liberalizing association healthcare plan rules. Cost-sharing subsidies made healthcare affordable… [Read More]

Healthcare Reform… More of the Same

Healthcare in the Trump Era Takes Its First Step

The Senate is making one last-gasp effort to repeal ACA… Well, not actually repeal, just reconfigure. Lindsey Graham and Bill Cassidy have sponsored a bill, which will be eligible for consideration under budget reconciliation rules (i.e. 51 votes required to pass and not subject to filibuster). Under the bill the amounts paid by the federal… [Read More]

States Petition to Chart Their Own Healthcare Course

States Petition to Chart Their Own Healthcare Course

­­The Trump administration has indicated a willingness to liberalize the Section 1332 State Innovation Waiver under the Affordable Care Act (ACA) to make it easier for states to provide affordable coverage. So far, only Hawaii has been granted the ability to deviate from the ACA, but now Iowa will be testing the President’s stomach on… [Read More]

The Biggest Issue in Healthcare Reform Today

presidential election health policy

Now that the GOP’s plan to remake healthcare by fiat seems to be failing, the Trump administration has once again pulled out one of its aces in the hole. Funding of cost sharing subsidies is the biggest issue today in the debate, viewed by the health insurance industry as “the single most destabilizing factor in… [Read More]

It’s a Legislative Circus Out There

It’s a Legislative Circus Out There

My predictive skills have been working pretty well on healthcare reform. I suggested that it wouldn’t be easy or quick. I thought the House would fall in line and the Senate would eke something out – and that it ultimately will come to a thumbs up / thumbs down in both houses of Congress. With… [Read More]