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Charles Gaba
![Prediction: QHP enrollment will swell by 25 percent photo](https://www.healthinsurance.org/wp-content/uploads/2015/10/enrollment-prediction-400x209.jpg)
Prediction: QHP enrollment will swell by 25 percent
October 15, 2015 – Before I go any further, let me say this flat out: No. Actual exchange enrollments in 2016 are not going to reach the CBO's 21 million…
![Letting the air out of rate-increase hysteria photo](https://www.healthinsurance.org/wp-content/uploads/2015/05/double-digit-obamacare-rate-hikes-400x209.jpg)
Letting the air out of rate-increase hysteria
May 19, 2015 – The 2016 rate-increase hysteria has already started. Before you freak out, here are four things to remember about premium-hike…
![Americans know how to shop (even for insurance) photo](https://www.healthinsurance.org/wp-content/uploads/2015/02/obamacare-shopper-400x209.jpg)
Americans know how to shop (even for insurance)
February 27, 2015 – Evidence from the 2014-2015 open enrollment period provides evidence that most buyers are making rational decisions and finding coverage…
![Open enrollment’s ‘missing persons’ photo](https://www.healthinsurance.org/wp-content/uploads/2015/01/aca-enrollment-off-exchange-400x209.jpg)
Open enrollment’s ‘missing persons’
January 20, 2015 – Last spring I was shouting from the rooftops about off-exchange QHP enrollments at a time when most reporters (and especially ACA…
![For many ACA beneficiaries: ‘Ivy League’ benefits? photo](https://www.healthinsurance.org/wp-content/uploads/2015/01/obamacare-vs-harvard-400x209.jpg)
For many ACA beneficiaries: ‘Ivy League’ benefits?
January 6, 2015 – Contributor Andrew Sprung isn't buying a New York Times article by Robert Pear that describes faculty health coverage at Harvard as 'far…
![Hanukkah Harry, enrollment transparency, please photo](https://www.healthinsurance.org/wp-content/uploads/2014/12/letter-to-hanukkah-harry-gaba-400x209.jpg)
Hanukkah Harry, enrollment transparency, please
December 22, 2014 – So what I'd like from Hanukkah Harry this year ... or going forward ... would be I know that recently HealthCare.gov has finally started…
![2015 projection: 12 million will enroll in QHPs photo](https://www.healthinsurance.org/wp-content/uploads/2014/11/2015-aca-enrollment-projections-400x209.jpg)
2015 projection: 12 million will enroll in QHPs
November 16, 2014 – The HHS Department thinks there will be about 9.1 million paying QHP enrollees out of about 10.4 million total. CBO is projecting 13…
![Over 7 million customers served photo](https://www.healthinsurance.org/wp-content/uploads/2014/11/obamacare-attrition-coverage-400x209.jpg)
Over 7 million customers served
November 11, 2014 – Focusing on the fact that natural and expected attrition has reduced to around 7 million the number of individuals who have gained…
![Making a mountain out of 7 million QHPs photo](https://www.healthinsurance.org/wp-content/uploads/2014/11/28-million-aca-signups-wow-400x209.jpg)
Making a mountain out of 7 million QHPs
November 8, 2014 – The uninsured slice has dropped by around 26 percent in just the first year of the exchanges/Medicaid expansion being operational. That's…
![ACA critics play the ‘rating game’ but it isn’t working photo](https://www.healthinsurance.org/wp-content/uploads/2014/10/Obamacare-rate-increases-400x209.jpg)
ACA critics play the ‘rating game’ but it isn’t working
October 22, 2014 – Last spring, when it was obvious that Obamacare was meeting its enrollment targets for the first year, opponents of the law needed some new…
![The human face of a health reform debate photo](https://www.healthinsurance.org/wp-content/uploads/2014/10/human-face-Obamacare-Kentucky-400x203.jpg)
The human face of a health reform debate
October 20, 2014 – "The ACA reduces the burden of health premiums on our family. By reducing this monthly expense, we have a little extra to purchase…
![87 percent of citizenship issues? Not issues after all. photo](https://www.healthinsurance.org/wp-content/uploads/2014/10/obamacare-citizenship-issues-400x203.jpg)
87 percent of citizenship issues? Not issues after all.
October 14, 2014 – Remember those 115,000 people who enrolled in QHPs at Healthcare.Gov but had discrepancies with their citizenship or immigration status?…