CMS Proposes New Standards for 2018

[somarco]

Maybe I missed it, but where was the part about "if I like my plan and my doctor I can keep them"?

 

[russelltw]

Maybe I missed it, but where was the part about "if I like my plan and my doctor I can keep them"?

That stopped bring the case back on march 23, 2010. It just took a while for everyone to start noticing.

 

[Yagents]

2018 Rules finalized

Christmas reading for you junkies:

https://www.cms.gov/Newsroom/MediaR...ses/2016-Press-releases-items/2016-12-16.html

https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2016-Fact-sheets-items/2016-12-16.html

https://s3.amazonaws.com/public-inspection.federalregister.gov/2016-30433.pdf

----------

Double redirect will still be the norm in 2018

Response: We thank commenters for their input, which we will take into account as we
work towards readying the enhanced direct enrollment process.
We intend to conduct any required privacy and security impact assessments and will
address regulatory changes to implement the enhanced direct enrollment process in future
rulemaking, as may be necessary.

Agents won't be required to assist in follow up duties

Response: In light of the comments and the significant burden that could be placed on
agents and brokers, we are not finalizing this policy at this time. However, we encourage agents
and brokers to assist consumers with post-enrollment activities as we believe it is in the shared
interest of helping consumers maintain continuous enrollment.

Ummmm..........required double redirect doesn't allow for account creation. You created the monster, and then codified it.

Several commenters cited reports over the past three open enrollment periods that some agents or
brokers have been enrolling consumers in Exchange plans without providing them with the
information necessary to access or update their HealthCare.gov account information.

 

[houcoogster]

2018 Rules finalized

Christmas reading for you junkies:

https://www.cms.gov/Newsroom/MediaR...ses/2016-Press-releases-items/2016-12-16.html

https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2016-Fact-sheets-items/2016-12-16.html

https://s3.amazonaws.com/public-inspection.federalregister.gov/2016-30433.pdf

----------

Double redirect will still be the norm in 2018



Agents won't be required to assist in follow up duties



Ummmm..........required double redirect doesn't allow for account creation. You created the monster, and then codified it.

2018 Rules Finalized......LOL That's funny man!

There's gonna be a double redirect allright....right back to the agents and brokers 100%. See ya in the funny pages Navigators!

 

[Yagents]

(I realize this is all for not............but, until that lady sings......)

We start off with stinking liars....................and agents are to blame?:

IRS focuses on low-income liars in new ACA premium tax credit regs | LifeHealthPro

thank gawd.............finally we get an equal 0.005% commission across all metal levels. I wonder if they feel 0% is discriminatory?

https://www.cms.gov/CCIIO/Resources...on-and-Discriminatory-Marketing-Practices.pdf

Stinking kids are gonna cost more:

CMS Finalizes New Marketplace Payment Rule, Effective January 17, 2017

Child Age Rating

The final rule modifies current age rating requirements for children. The ACA permits premium rates to vary based on age only within a ratio of 3 to 1 for adults. Current age rating rules provide for a single age band for children ages 0 through 20. The default age factor for this group is .635. This single age factor not only does not accurately reflect claims costs for children (which are highest for children ages 0 to 4 and lowest for children ages 5 to 14), but has resulted in a significant jump in premiums (about 57 percent) when a child reaches age 21.

The final rule increases the current age factor for children up to age 14 from .635 to .765 and then gradually increases the age factor year by year from age 15 to age 20 to create a smooth transition to age 21. This makes coverage somewhat more expensive for children and less expensive for adults. The rule is effective for plan years beginning on or after January 1, 2018. States continue to be able to set their own age rating curves if they chose to do so; CMS released on December 16 a separate guidance explaining the age rating curves and forms for states to disclose their own rating requirements.

 

[houcoogster]

(I realize this is all for not............but, until that lady sings......)

We start off with stinking liars....................and agents are to blame?:

IRS focuses on low-income liars in new ACA premium tax credit regs | LifeHealthPro

thank gawd.............finally we get an equal 0.005% commission across all metal levels. I wonder if they feel 0% is discriminatory?

https://www.cms.gov/CCIIO/Resources...on-and-Discriminatory-Marketing-Practices.pdf

Stinking kids are gonna cost more:

CMS Finalizes New Marketplace Payment Rule, Effective January 17, 2017

Child Age Rating

Oh my GOSH! Stab this beast in the heart already! Enough of this unworkable mess. All the bailing wire and duct tape and super glue in the universe can't hold this jalopy together.

 

[AllenChicago]

No carrier = No Penalty

1 carrier = no penalty if cheapest bronze would cost more than 8.1600001% of your income.

Individual or family income?


Wait..what am I talking about. There most likely won't be ANY penalty in 2017 for not having M.E.C..

The Individual Mandate is a top-priority item for being trash canned, and Trump-Ryan are committed to doing away with it as fast as possible, via the budget reconciliation process.

Source: Trumpcare: How It Could Differ From Obamacare

 

[somarco]

Absent the mandate and/or penalty, how many carriers do you think will want to play in that market?

 

[AllenChicago]

Absent the mandate and/or penalty, how many carriers do you think will want to play in that market?

Carriers DEMANDED the mandate/penalty in 2008-2009. In 2015, they whined that it wasn't working. The healthier people were/are still not signing up.

"This market" is DOA. Good riddance. Bring back underwriting, and allow those who are not accepted by any insurer, to buy into Medicare. Dead Broke? Medicaid for you.

It's Free market, with Government safety nets for those who aren't accepted by the Free Market system. Simple stuff.

 

[somarco]

"This market" is DOA. Good riddance. Bring back underwriting, and allow those who are not accepted by any insurer, to buy into Medicare. Dead Broke? Medicaid for you.

It's Free market, with Government safety nets for those who aren't accepted by the Free Market system. Simple stuff.

Succinct, intelligent and I totally agree. This is what should have been done from the start.

I take it Team Obama didn't call you either, asking for advice before unleashing this monster piece of crap.