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Obamacare open enrollment window

Fixing Obamacare’s broken window

Spreading out open enrollment would allow carriers and exchanges to maintain level staffing throughout the year, and would result in better customer service with faster processing of applications and policy changes. Obviously it would require a significant public education campaign, and coordinated efforts on the part of carriers to let insureds know about upcoming open enrollment windows.

April 17, 2014

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flushing ACA subsidies

Flushing away $10,000 to ‘just say No’

“The vast majority of our clients are thrilled to find out they qualify for subsidies. But to some people, the premium tax credits feel like something they haven’t “earned” and thus shouldn’t be entitled to use.”

March 27, 2014

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red-state Medicaid expansion

Cruel irony: millions too poor for Medicaid

In states that have not expanded Medicaid, the people who most desperately need help paying for health insurance – those with the lowest incomes – end up in the coverage gap, not eligible for Medicaid and also not eligible for any subsidies to help them pay for a private plan.

March 20, 2014

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Bringing profound change by bus, yet again

Most of the folks we met on the tour were unaware that nearly 6 in 10 people who don’t have health coverage and are eligible for coverage through the new marketplaces can find coverage for $100 or less per month. For instance, a 27-year-old who earns $25,000 annually in the Orlando area can find a Bronze plan that costs $102 per month – or a Silver plan for $145 per month – once tax credits are factored in. A family of four earning $50,000 a year can find a Bronze plan that costs $126 per month after tax credits.

March 2, 2014

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Wall Street Journal ACA

Looking for the down side?

Despite the Journal’s headline, important progress is being made. Millions of people who previously were uninsured because they couldn’t afford coverage – or couldn’t buy it at any price because of preexisting conditions that made them “uninsurable” in the eyes of insurance companies – already are now insured. And millions of others are able to get as good if not better coverage than they had last year at a lower cost.

January 19, 2014

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ACA’s winners far outnumber its losers

“OK, people with cancelled insurance policies have a grievance. So does the much larger group of uninsured people with serious diagnosed illnesses who need ACA.”

November 20, 2013

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The exchange enrollment numbers are out

When will we have enough enrollment data to make a definitive conclusion about the Affordable Care Act’s success? The easiest answer is after March 31, 2014 when open enrollment ends.

November 15, 2013

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Tea Partiers

Health reform haters gone wild

There’s really something about the opposition – for the reasons you described and from the standpoint of sheer governance, the way in which law is supposed to be enacted and enforced in this country – that is very disturbing and a threat to the functioning of our nation.

October 10, 2013

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going bare uninsured

‘Going bare’: risky, irresponsible suggestion

Conservative organizations are mounting a cynical campaign to undermine the Affordable Care Act by encouraging young healthy adults to “go bare.” Telling young adults to “skip the exchanges, and pay the fine,” their apparent goal is to strangle Obamacare in its crib by worsening the risk pool in the new health insurance exchanges.

August 3, 2013

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Families USA Affording Health Coverage

26 million eligible for help paying premiums

We at Families USA estimate that nearly 26 million Americans will be eligible for premium tax credits to help make health coverage affordable.

April 18, 2013

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Latest Obamacare news & opinion

Obamacare open enrollment window

Fixing Obamacare’s broken window

Spreading out open enrollment would allow carriers and exchanges to maintain level…


The dental crisis that’s driving patients away

When increasing numbers of Americans cross the Mexican border to see a dentist ... you…


Health Wonk Review for April 10, 2014

Billy Wynne put together a great edition of Health Wonk Review over at Healthcare…

exchanges too big to succeed

Exchanges: too big to succeed?

This is the time for brainstorming, but how much are we willing to change? Could we…

Republican policy fail ACA

Will there be an ‘exodus’ to the exchanges?

Harold: Now, would you be happy or sad if there was this exodus to the exchanges? Jon: I…

uninformed Florida Obamacare

Can Obamacare work even better?

I think the average American voter is actually a charitable person, a big-hearted person.…


Reports of ACA demise: greatly exaggerated

For this edition of Curbside Consult, I Skyped with Dr. Jonathan Gruber, who is the Ford…

repeal Obamacare 2014

Obamacare: Irreplaceable, irrepealable

If you support the Affordable Care Act, know that your work is not yet done. And if you…

Health Wonk Review March Madness

Health Wonk Review for March 27, 2014

If you're one of those health policy diehards, definitely head over to the Health Affairs…

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Learn all about health insurance

health insurance exchanges

Know your health insurance exchanges

The ACA-created health insurance exchanges will be up and running in days, and while…

ACA Basic Health Program

Affordable Care Act’s Basic Health Program

Starting this year, the Basic Health Program, a provision of the Affordable Care Act,…

ACA owners manual

Getting the most from your new insurance

The media have focused on the cost of the monthly premium. How much would you contribute…

SHOP exchanges

How SHOP exchanges help small businesses

The unprecedented advantages offered by ACA's SHOP exchanges truly make the law a game…

avoiding scams in the aca marketplace

Avoid scams while shopping for insurance

The health insurance marketplaces (commonly referred to as exchanges) are set to open in…

cost-sharing subsidies

The ACA’s cost-sharing subsidies

While the Affordable Care Act's premium subsidies help pay the cost of the health…

Individual health insurance.

Individual health insurance

If you are self employed, or if your employer does not offer health insurance, you'll…

Will you owe an Obamacare Penalty?

Will you owe a penalty under Obamacare?

If, for whatever reason, you decide not to purchase coverage in 2014, you can use the…

Obamacare's essential benefits

Health reform’s 10 essential benefits

The ACA specifies ten benefits be included in all health insurance plans sold on each…

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