Those of us who make our livings in the group health market space wonder from time to time what are the real existential threats to our livelihood, we ponder the wild machinations coming out of the White House, the ineptitude of our elected legislators and, if like me, you live in California, only the Providence …
As we continue to endure the uncertainties of ACA repeal/replace efforts in Washington, I thought it might be useful to put forth some drawing board ideas on alternative limited health plans, many of which are lurking behind the scenes at selected carriers who have shared them with me. What’s holding them back? ACA compliance As …
It is Still the Law of the Land First thing to know, despite all of the noise and bluster from Washington, nothing has materially change regarding the Affordable Care Act. It is still the law of the land with all of the mandates and penalties remaining firmly in place. With that in mind and for purposes …
Editors note: This article is directed at brokers who have clients in the low wage work space and have in the past been asked to recomend budget friendly ACA solutions for hourly workers. In the wake of the recent failure to repeal, replace or repair Obamacare, it is an opportune time to evaluate and grade …
Estimated cost of single payer (Medicare for all) 3 trillion per year. (As a point of reference, the federal government spent less than $4 trillion in 2016, and ran a deficit of $587 billion, even after the Obama tax increases “on the rich.” Where would that ocean of necessary cash come from? ) No, private …
Do These 4 Questions Apply to YOU or YOUR Agency? 1) Do these descriptions fit your current or expected employer client base?: Medium-sized (50 to 500) eligible employees working 30+ hours per week? Mix of blue collar and service sector employee types earning medium to low hourly wages? Example: Food Services, Hospitality, Agricultural, Nursing Homes Franchise …
Although it is difficult to dispute any of the arguments against SB 562, the one thing that all of these arguments fail to take into account, are unanticipated nonlinear problems such as; Inbound Migration – What will define a “resident”! If it is merely occupying the space you stand on, with no requirement for establishing residency, or …
Got this directly off the “Support SB 562” site: (with my responses in bold) Enjoy Tell us about your health care priorities. We will use your responses to push for the passage of SB 562. Check all that apply · No more plan-switching or guesswork when insurance rates or plans change – because we have removed all …
Comparing MEC Plus Plans – Beyond Spread Sheeting In comparing (see attached Exhibit) the leading MEC plus (a.k.a. Skinny Options) there are factors that go beyond the premium price and the value of the benefits shown. Here are the additional (below the waterline) criteria that I apply in evaluating these types of programs: Carrier – Is …
I have read everything coming out of Washington, as I’m sure many of you have as well. Unfortunately, it’s all sound and fury with very little substance therefore difficult to analyze. So, since I do not have any hard facts and little or no detail about the effect of the proposed changes, here are a …
