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Showing posts from November, 2016

The CA Law That Never Was? (SB 10)

Looks like California SB 10 will die on the vine. The bill was passed and signed into law by the Governor last summer. SB 10 would allow undocumented immigrants to enroll their children in Medi-Cal (California Medicaid) and was further expanded to allow adults to enroll (without subsidy) in Covered CA health plans.  

Although SB 10 was signed into law, it requires a waiver from DC (HHS) in order to be implemented. I recently spoke with Governor Brown's office and was told that no waiver has yet been granted. Given the change in Presidential administration and the stated goal of replacing ObamaCare, I highly doubt that a waiver will be forthcoming from the new director of HHS. 

www.davefluker.com

How Will Donald TRUMP ObamaCare?

With the election of Donald Trump as the next US President, healthcare reform and ObamaCare are on the chopping block.  There is media speculation that a transformation away from the current ObamaCare system will be rather immediate once Donald Trump is sworn into office in January.  


While changes are certainly coming, I would not expect a wholesale changeover immediately, but rather over the course of 2017.  My hope is to see an open market available at any time during the year (like it used to be) instead of an abbreviated Open Enrollment Period.  

Below are some key points to a Donald Trump-Care system and a link to his Healthcare Reform Paper which goes into more detail...



 1. Completely repeal Obamacare. 2. Modify existing law that inhibits the sale of health insurance across state lines. 3. Allow individuals to fully deduct health insurance premium payments 4. Allow individuals to use Health Savings Accounts (HSAs). 5. Require price transparency from all healthcare providers.6. Bl…

CA Small Group Special Enrollment Coming Up

One of the provisions of Obamacare is an annual one month guaranteed issue  "Special Enrollment" window for small employer groups.

The Guaranteed Issue Special Open Enrollment period runs from November 15th to December 15th each year for a January 1st effective date.
Carriers are required to offer a special open enrollment window to Small Employers that do not meet carrier participation and/or contribution requirements. These groups must meet all other Underwriting Guidelines. Small Employers that have struggled to attain coverage due to participation or contribution requirements can obtain coverage during this special open enrollment window.
Small  employers who have not been able to establish a group plan due to low participation among employees and/or wishing for lower contribution requirements can use this special enrollment window to establish a plan.

With all of the havoc in the individual health markets (particularly tiny networks and ever-changing drug benefits/formulari…