The Dismantling of ObamaCare - Ongoing Updates.

[AgentOrange]

I didnt see any mention of the estimated premiums in the article. Its really hard to find a doctor who accepts medicaid in a lot of areas.... not sure how it is in NV. Maybe it will create mandatory participation by all doctors? That actually might not be a terrible thing if it did.

Right. I was reading an axios (I think) article on this and all of the premium, deductibles and copays will be worked out by a committee after the bill is signed.

Medicaid is typically difficult with provider availability, that's why I said Medicaid is Medicaid. But, after a while people find a pcp and specialists to see. You're going to get that sub level of attention but Medicaid also pays very reduced rates to providers so premiums could be low too. All in all, I think it is a good deal. Medicaid is not the best healthcare but it is pretty solid, at least where I am. I would love to see what a Medicaid option would do to NJs exchange.

It really could do wonders not only for the market it also for people with chronic conditions that utilize a lot of services.

 

[kgmom219]

According to the WSJ, Anthem just pulled out of Ohio, leaving 20 counties with no coverage.

https://www.wsj.com/articles/anthem-to-pull-out-of-ohio-affordable-care-act-exchange-1496767753

 

[AllenChicago]

According to the WSJ, Anthem just pulled out of Ohio, leaving 20 counties with no coverage.

https://www.wsj.com/articles/anthem-to-pull-out-of-ohio-affordable-care-act-exchange-1496767753

ObamaCare continues to dismantle itself. I saw a nice list of where there will be ZERO or NO individual plans, but can't find it now. At any rate, add 20 more counties.

Republican Senators are weaseling out of ObamaCare repeal-replace over the past few days. President Trump is "working with them" this afternoon..trying to instill a little back-bone.

If the Senate goes on it's 6 week July 4th break with no Bill, the Town Hall meanies will eat them alive. (Congress "works" only 138 days a year. Sinful.)

 

[Yagents]

With Anthem blaming part of the reason on the CSR's, it's only fair to revisit the past:

The News Only Gets Worse For ObamaCare

 

[Yagents]

The un-affordable care act in one map

County-by-County Premium Variation - NASHP

 

[FLM2]

The un-affordable care act in one map

County-by-County Premium Variation - NASHP

This data is really bogus, IMO, because it doesn't take into account the quality of the plans.

As an example, the Gulf Coast of Florida shows as more expensive than Palm Beach County when the rates for the same plan in both areas (Florida Blue) is far higher in Palm Beach County. The reason for this is that Ambetter's crappy plans aren't available on most of the Gulf Coast.

How anyone can base a study on that assumption shows a lack of understanding in the basic market-that's not a knock on you, Yagents, just the author(s).

 

[scagnt83]

This data is really bogus, IMO, because it doesn't take into account the quality of the plans.

As an example, the Gulf Coast of Florida shows as more expensive than Palm Beach County when the rates for the same plan in both areas (Florida Blue) is far higher in Palm Beach County. The reason for this is that Ambetter's crappy plans aren't available on most of the Gulf Coast.

How anyone can base a study on that assumption shows a lack of understanding in the basic market-that's not a knock on you, Yagents, just the author(s).

I wouldnt call that "bogus". In the world of scientific studies, its called a "margin of error" an "outlier" a "non-standard situation", etc.

They have to find a "standardized" way to evaluate pricing in each County. Things like this are never perfect, and usually not meant to be exactly perfect. They are meant to be broad representations of the whole.

Despite not giving the whole story in all areas... its a striking example of how expensive insurance has become in the US.

 

[FLM2]

I wouldnt call that "bogus". In the world of scientific studies, its called a "margin of error" an "outlier" a "non-standard situation", etc.

They have to find a "standardized" way to evaluate pricing in each County. Things like this are never perfect, and usually not meant to be exactly perfect. They are meant to be broad representations of the whole.

Despite not giving the whole story in all areas... its a striking example of how expensive insurance has become in the US.

It's still bogus in my mind and that is based on many years of work in scientific fields that rely on statistical analysis.

The author is the one who chose to break everything out by county with no comments about the obvious variations in plans and networks.

No one needs a detailed map to make the determination that health insurance is far more expensive now than in 2012.

 

[hamben]

I cam across this doing research this weekend. It looks like a self funded group plan is taking employees that have claims greater than $50,000 a year and switching them to individual coverage on the exchange. Can anyone explain how this is legal? Could be another reason premiums on individual exchange plans are experiencing adverse selection.

http://www.galesburg205.org/UserFiles/Servers/Server_76664/File/Employment/Affordable Care.pdf

http://www.galesburg205.org/UserFiles/Servers/Server_76664/File/Employment/PLAN DOCUMENT.pdf

 

[kgmom219]

I cam across this doing research this weekend. It looks like a self funded group plan is taking employees that have claims greater than $50,000 a year and switching them to individual coverage on the exchange. Can anyone explain how this is legal? Could be another reason premiums on individual exchange plans are experiencing adverse selection.

http://www.galesburg205.org/UserFiles/Servers/Server_76664/File/Employment/Affordable%20Care.pdf

http://www.galesburg205.org/UserFiles/Servers/Server_76664/File/Employment/PLAN%20DOCUMENT.pdf

Its legal if the employers are willing to pay the fine or under 50 ee's. Plus, anyone can buy on the Exchange, no subsidy, but you can buy a policy. The fine is going to be less than the claims (and subsequent stop loss premiums for these employees)