Skip to main content

Posts

Support For ObamaCare Repeal and Replace Dwindling

An ABC News poll now shows only 37 percent of those polled support a repeal and replace strategy for ObamaCare.  As the current poll shows, more Americans would prefer fixing the existing ACA than to tear it down and start over.  61% favor an effort to keep and improve ObamaCare.  79% favor trying to make it work versus 13% for trying to make it fail.

Just 37 percent of Americans in the national survey say Obamacare should be repealed and replaced; 61 percent say it should be kept and fixed instead. Even more broadly, the public by 79-13 percent says Trump should seek to make the current law work as well as possible, not to make it fail as soon as possible, a strategy he’s suggested.These lopsidedly pro-Obamacare views are far different from the results of an ABC/Post poll in mid-January asking if Americans supported or opposed repealing Obamacare, 46-47 percent. That question did not offer “keeping and improving” it as an alternative -- and it was asked before the contours of the firs…
Recent posts

Cost Share Reduction (CSR) Subsidy Has Uncertain Future Under Trump

One of the features of ObamaCare is the Cost Share Reduction Subsidy.  This is separate from the Premium Tax Credit Subsidy and applies in California to those with incomes between 138% and 250% of the Federal Poverty Level (100%-250% in states that did not expand Medicaid).

The CSR is used to reduce expenses under Silver Tier health plans for those who qualify. 

138%-150% are eligible for Silver 94
150-200% are eligible for Silver 87
200%-250% are eligible for Silver 73 

As an example of the CSR at work, here are the primary care office visit co-pays for four Silver plans...

Silver 70 (standard no CSR)    $45
Silver 73 with CSR                   $40
Silver 87 with CSR                   $15
Silver 94 with CSR                   $ 3

The cost share reduction is an important benefit for those with lower incomes.  Whether it will continue to be funded is uncertain at the moment.

President Trump may try to use the funding of CSR as a bargaining chip to get Democratic support for TrumpCare reform.  From…

Final Regulations Issued for Individual Market Stabilization

April 13, 2017 Department of Health and Human Services (HHS) issued final regulations to help "stabilize" the individual & family health insurance market.  These will take effect June 19th, 2017.  

Shortened Open Enrollment Period
2018 Open Enrollment Period will be shortened from 3 months to 6 weeks.  OEP will run from November 1st through December 15th 2017.  That's it!

Greater Control Over Special Enrollment Periods
The rules expand verification of eligibility for special enrollment periods in Marketplaces, limit the ability of Marketplace enrollees to change plan metal levels during the coverage year, and adjust requirements for special enrollments due to marriage.

Promote Continuous Coverage
Issuers will be allowed to collect premiums for unpaid coverage within the past year before re-enrolling individuals for the next year to promote continuous coverage.

Increase Consumer Choice
To help provide enrollees with more coverage options, beginning with 2018 plans, issuers wi…

Trump: Health Reform Still Top Priority

President Donald Trump says that tax reform will be better dealt with (as well as infrastructure) when billions are freed up from the healthcare system and ObamaCare.  





Dave
www.davefluker.com



ObamaCare Disintegration Begins in Iowa, Tennessee

Things aren't looking good for ObamaCare in Iowa and Tennessee.  

Wellmark Blue Cross Blue Shield has announced that they will offer no health plans for 2018 in Iowa.  On that news, Aetna announced they would also leave the Iowa market in 2018.  The remaining two health insurers for Iowans in 2018 may be regional carriers - Medica Insurance Company and Gundersen Health Plans.  And Medica is not a solid bet right now...


A third Iowa insurer, Medica, told CNBC is has not yet decided whether to continue selling plans there next year. Medica is the only company to offer individual plans in all of the state's counties. The fourth insurer, Gundersen Health Plan, said that its current plan is to participate in the Obamacare marketplace in Iowa.
If Medica pulls out for 2018 that will leave only Gundersen which does not sell plan in all Iowa counties.  

Iowa Obamacare market gets second big hit as insurer Aetna says it will drop out in 2018


Related, Humana has announced they will exit the K…

Healthy California Act Would Eliminate Medicare, Medi-Cal and ObamaCare in California

Californians, especially California's Senior 65+ population currently receiving Medicare benefits, may want to take note of provisions in the newly released Healthy California Bill (SB 562).

Section 1 of the Act (formerly Section 2) clearly spells out the following impacts (italics are mine)...

(6) It is the intent of the Legislature to enact legislation that wouldestablish a comprehensive universal single-payer health care coverage program and a health care cost control system for the benefit of all residents of the state.(b) (1) It is further the intent of the Legislature to establish the Healthy California (HC) program to provide universal health coverage for every Californian based on his or her ability to pay and funded by broad-based revenue.(2) It is the intent of the Legislature for the state to work to obtain waivers and other approvals relating to Medi-Cal, the state’s Children’s Health Insurance Program, Medicare, the PPACA, and any other federal programs so that any fede…

Why the republican health bill failed - Right Angle

Bill Whittle, Scott Ott and Steve Green discuss the failure of the American Health Care Act (AHCA) 








Dave www.davefluker.com


California Short Term Health Insurance Reminder

Just a quick reminder that 4/1 will be the last day to purchase renewable 6-month short term health insurance.  HCC e-blast says plans can be purchased until 12:00 PM EST 4/1/17.  

4/1 plans go dark temporarily pending CA state approvals for new products.  The new short term products are limited to 3 months maximum and are NOT RENEWABLE.  

If you are thinking of picking up a short term health plan for interim coverage, you will want to act now to secure coverage before the rules change.  

Short Term Health Insurance California




Dave
www.davefluker.com
www.gilroyhealthinsurance.com
www.facebook.com/gilroyhealthinsurance/





Mo Brooks Introduces One Line Bill to Repeal Obamacare

Mo Brooks (R-AL) has entered a one sentence bill for repeal of the ACA (ObamaCare). Seen as more of a symbolic gesture (the bill did not go to vote in the House), he gets right to the point in a succinct fashion...


“Effective as of Dec. 31, 2017, the Patient Protection and Affordable Care Act is repealed, and the provisions of law amended or repealed by such Act are restored or revived as if such Act had not been enacted.”
Full article from The Libertarian Republic


Dave
www.davefluker.com
www.gilroyhealthinsurance.com
www.facebook.com/gilroyhealthinsurance/







Stefan Molyneux - How To Save Health Care: A Memo to Donald Trump

I know it's a bit long, but Stefan hits on so many truths about insurance, health insurance and the comparative between Single Payer (he's Canadian, by the way) and free market reform.

Much to digest but important and provocative points in this podcast.  Well worth a watch in my opinion.





Dave www.davefluker.com www.gilroyhealthinsurance.com www.facebook.com/gilroyhealthinsurance