Reference-Based Pricing – Coming to a Health Plan Near You?

I think you are going to hear more about reference-based pricing. Some history: What stops a provider from charging whatever they want for care? Let’s say a doctor charges $200 to remove a splinter. If the patient were paying, she/he might try to negotiate the charge or get care elsewhere. But they are most often not. The… [Read More]

Back to the Future of Healthcare

Today I listened to Cigna leadership discuss how they are responding to marketplace dynamics and I realized that this change is as cataclysmic as the HMO revolution was in the late 1980s. During that era, the number of insurance companies dwindled down to just a handful and the indemnity market went into a tailspin. Flash… [Read More]

Healthcare for Retirees

retiree healthcare coverage

Retiree healthcare costs have taken a back seat to the escalation of costs for active employees. And though a 2015 report from the Kaiser Family Foundation shows 23% of employers with at least 200 employees offered retiree healthcare coverage (down from 32% in 2005 and 66% in 1988), my sense is that these costs have… [Read More]