oooooo oooooo meeeee meeee.........I'm fingerprinted already
California exchange: Worker checks slow service center start | LifeHealthPro
California exchange: Worker checks slow service center start | LifeHealthPro
Covered California 13 Individual Health Plans
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Kaiser's Obamacare rates surprise analysts - latimes.com
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Some experts say Kaiser intentionally bid high to avoid drawing too many customers next year who are sick or who have been uninsured for years and may be costlier to treat. Others suspect Kaiser was worried that lower premiums would bring an influx of newly insured patients that could overwhelm its in-house roster of doctors and hospitals.
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"Kaiser is not as low cost as many people think," said Glenn Melnick, a USC health policy professor. "They appear to be protecting themselves because the people signing up in the first year are likely to be the sickest ones."
For its part, Kaiser says it was as surprised as others were when the state announced the 13 winning health insurers and their proposed rates for 19 regions last month
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"We were surprised to see some of the rates," said Bill Wehrle, Kaiser's vice president of health insurance exchanges. "We were surprised at what looked like very narrow networks from our competitors. We don't cut off any slice of our network."
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Some experts say Kaiser intentionally bid high to avoid drawing too many customers next year who are sick or who have been uninsured for years and may be costlier to treat. Others suspect Kaiser was worried that lower premiums would bring an influx of newly insured patients that could overwhelm its in-house roster of doctors and hospitals.
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"Kaiser is not as low cost as many people think," said Glenn Melnick, a USC health policy professor. "They appear to be protecting themselves because the people signing up in the first year are likely to be the sickest ones."
For its part, Kaiser says it was as surprised as others were when the state announced the 13 winning health insurers and their proposed rates for 19 regions last month
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"We were surprised to see some of the rates," said Bill Wehrle, Kaiser's vice president of health insurance exchanges. "We were surprised at what looked like very narrow networks from our competitors. We don't cut off any slice of our network."
how could I get a job as a health policy professor
- 4,716
You get Blue Cross California to fund a chair for you...lol
Glenn Melnick | Schaeffer Health Policy Center
I could see why first year enrollment will lean heavily toward adverse selection
1 - People who have been declined coverage for health conditions will now sign up (however, probably not on the cheapest plan with the skinniest network)
2 - Previously uninsured people with pent-up demand will submit claims early in the process.
3 - Highly subsidized folks with Premium subsidies and Cost Sharing Reduction (CSR) subsidies will overutilize
4 - Businesses with higher rates now due to a rate load for medical conditions in the group will drop their group plans early, but businesses with lower rates now will delay PPACA implementation as far into 2014 as they can.
That front-loads the adverse selection quite a bit.
1 - People who have been declined coverage for health conditions will now sign up (however, probably not on the cheapest plan with the skinniest network)
2 - Previously uninsured people with pent-up demand will submit claims early in the process.
3 - Highly subsidized folks with Premium subsidies and Cost Sharing Reduction (CSR) subsidies will overutilize
4 - Businesses with higher rates now due to a rate load for medical conditions in the group will drop their group plans early, but businesses with lower rates now will delay PPACA implementation as far into 2014 as they can.
That front-loads the adverse selection quite a bit.
- 3,863
Do not forget states that HAD high risk pools that are now closed and PCIP being closed. Inside the exchange first year could be a not so pretty pool of risk...
- 1,896
And those rates will be an interesting conversation topic right before the elections in 2015, to go along with the tax bills that people and businesses will receive.
- 4,716
It makes you wonder if this is why they are stock piling all that ammunition.
- 3,863
No one cares about rich peoples tax bills...
What will be on TV is the stories of those who could never qualify or afford health insurance that now have coverage.
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