If you are an individual Anthem Blue Cross of CA policyholder, you likely received a very confusing letter recently. It stated “Anthem will not offer the plan you have now in 2018” and your rate for the replacement policy was… Continue Reading
I was particularly intrigued when the State of California chose to opt out of the option to have smoker and non-smoker rates for health insurance as allowed by the Affordable Care Act (aka Obamacare). The law allows the insurer to… Continue Reading
Employer provided health benefits are alive and well. The main reasons to provide coverage have not changed. The traditional reasons for providing benefits are recruiting and retaining good employees. With unemployment decreasing (5.8% in Shasta County -June 2017) employers find… Continue Reading
Medicare is the US health care plan for the elderly and disabled. It is divided into four parts. Part A covers inpatient hospital facility charges and typically is free for most beneficiaries since they paid taxes throughout their working lives… Continue Reading
Since beginning this column I have consistently referred to “the Affordable Care Act, ACA (aka Obamacare)”. In my insurance practice I avoid using the term “Obamacare” for one simple reason. I believe it is important to avoid politicizing the concept… Continue Reading
It’s interesting to me when someone says that they hate “Obamacare” (the popular name for the Affordable Care Act-ACA). This law is complex and far reaching. Most people simply don’t understand how many areas are affected by the law. Most… Continue Reading
A reader called to ask if I could explain “Single Payer”, so here goes! In its simplest form, single payer refers to the financing of health care. Typically this means that there is only one party that pays for all… Continue Reading
Wouldn’t it be great if we could point to just one thing to solve the health care/health insurance crisis in America? In this column I have addressed multiple issues, but always come back to the fact that it is the… Continue Reading
One of the best results of the ACA (Affordable Care Act aka Obamacare) was that it started a national conversation about health care delivery and financing in our country. In this column I hope to inform the reader on how… Continue Reading
The ACA (aka ObamaCare) was intended to have a public/private partnership. The design was to maintain the foundation of the employer based benefits platform and provide access to the market for those individual without employer based coverage. The third leg… Continue Reading
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