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Showing posts from March, 2017

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“Effective as of Dec. 31, 2017, the Patient Protection and Affordable Care Act is repealed, and the provisions of law amended or repealed by such Act are restored or revived as if such Act had not been enacted.”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




None and Done?! House GOP Withdraws AHCA (TrumpCare) Bill

On Thursday, Republican House Leaders delayed a floor vote on the AHCA (American Health Care Act) also referred to as TrumpCare.

President Trump instructed House GOP to vote Friday (today) and if the bill did not pass, he would be done with reforming health care at this time and move on to tax and budget.

This afternoon, House GOP leaders were unable to secure sufficient votes for the bill and chose to withdraw it prior to vote.  

Republican leaders pulled the ObamaCare replacement bill Friday as they failed to pick up enough votes to get the bill passed.


 Appearances indicate that President Trump and the House GOP will let ObamaCare either sink or swim on its own for the foreseeable future.  They are of the belief that it will implode on its own.  

Fox News Live Blog


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

GOP Postpones Health Care Vote (AHCA/TrumpCare)

Republic Leadership has postponed the House vote on the American Health Care Act (AHCA).  House Floor vote was scheduled for today.  


Republican leaders canceled a vote in the House on the plan to replace ObamaCare Thursday, after leadership's attempts to lobby enough votes apparently failed -- a major setback for House Speaker Paul Ryan and President Trump.
Looks like this may take longer than expected, if it can pass at all.  Stay tuned for updates and news on the AHCA/TrumpCare

Fox News Full Article


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





Short Term Health 3-Month Rule Goes Into Effect in California

Received a notification from my short term health carrier, Tokio Marine HCC, that the new CMS/HHS rule allowing only 3 months short term coverage will go into effect April 1st.

Due to this change (was hoping HHS would void it), carriers re-filed their short term plans with the State of California. Currently, those re-filed short term plans are pending regulatory approval.  As such, it is likely that approvals will not be granted prior to April 1 and the product will be off of the market until such approval is received.  

If you want to get a short term health plan up to 6 months, you will need to purchase it prior to April 1st with effective start date of 3/31 or earlier.  

You can shop and enroll online on this link




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


Further GOP Amendments To The AHCA (TrumpCare)

The House GOP has made further amendments to the AHCA (American Health Care Act) in an effort to appease various segments of the house GOP.  AHCA is scheduled for a full House floor vote on Thursday (3/23).

According to Modern Healthcare, some changes include...


end most of the ACA's taxes at the end of this year, one year earlier than in the original billbar any new states from expanding Medicaidestablish a work requirement for Medicaidgive states the option to receive federal Medicaid funding in the form of fixed block grantsincrease the growth rate of capped federal payments to the states for elderly and disabled beneficiariesdelay implementation of the ACA's excise tax on high-value employer health plans for an additional yearpenalize New York state for requiring some counties to contribute to Medicaid fundingI would expect that even more changes may be coming in order to gain the necessary support for the AHCA.  I will update any news.

Dave www.davefluker.com www.gilroyhealthi…

American Health Care Act Clears House Budget Committee

This morning the AHCA (American Health Care Act) narrowly passed the U.S. House of Representatives Committee on the Budget by a 19-17 vote.  AHCA now moves forward to the House Rules Committee.


The close vote was considered the toughest of the three committee votes held so far on the controversial package. One more defection for Republicans would have resulted in a tie, stopping GOP leaders' current strategy for passing the bill in its tracks. Complicating the process for the White House and Republican leadership is a recent analysis of the bill by the Congressional Budget Office which predicted that 24 million fewer Americans would be insured under the new legislation
Fox News Report on AHCA 

House Budget Committee Video of AHCA Markup


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






Kaiser Foundation Interactive Subsidy Map (TrumpCare vs. ObamaCare)

An interactive subsidy map provided by Kaiser Foundation allows you to see the impact of tax credit subsidy (2020) versus income-based subsidy (current).  Sorted by county in all 50 states.  Those above 400% federal poverty level would do much better, those below, depends on county and income.  Most below 200% would do much worse.  

Subsidies under ACA are based primarily on income.  Tax Credits would be based primarily on age.

http://kff.org/interactive/tax-credits-under-the-affordable-care-act-vs-replacement-proposal-interactive-map/



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

Anthem supports parts of GOP health care bill

Anthem is the first health insurance company to weigh in on the GOP's American Health Care Act.  Anthem operates in 14 states including Anthem Blue Cross in California (Blue Shield of California is a separate insurance company).

The company warned two Republican House committee leaders Thursday that without "significant regulatory and statutory changes," it will begin to "surgically extract" itself next year from the 14 states where it participates on the individual market. 


Anthem specifically praised the creation of a $100 billion fund that states could use to subsidize the cost of caring for sick enrollees.highlighted the importance of continuing the Obamacare cost-sharing subsidies that reduce the deductibles and co-pays of lower-income enrollees.Anthem warned that if the cost sharing subsidies aren't funded and other reforms made, the market will "continue to deteriorate." 
Read the full article on CNN

Dave www.davefluker.com www.gilroyhealthinsura…

Right Angle: G.O.P Jitters - ObamaCare Lite?

Bill Whittle, Steve Green and Scott Ott give us their take (and apparently everyone else's) on the new American Health Care Act.  Now being referred to as "ObamaCare Lite".




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


The HOUSE GOP “REPEAL & REPLACE” SUMMARY TABLE

Repeal & Replace TrumpCare Table from Peck Madigan Jones spells out the upcoming proposed changes to the ACA (ObamaCare).  

The draft legislation is scheduled to go to mark up tomorrow in the House Way & Means and Energy & Commerce Committees on Wednesday, March 8, and is expected to be scored by the Congressional Budget Office soon. The draft legislation could see considerable changes during mark up and scoring, and will still need support from the Senate in order to pass.

http://www.davefluker.com/HouseProposalSummary3_6_17(1).pdf





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

Anthem Blue Cross Adds Plan G Medicare Supplement In California

Anthem Blue Cross has rolled out Medicare Supplement Plan G in California.  Available for start dates of March 1, 2017 and after.

Plan G covers similar to Plan F but does not cover the Part B Medicare Deductible ($183 in 2107).  For Medicare Beneficiaries over 70 Plan G can save more in premium than the Part B deductible, making G worth a look on your birthday (California Birthday Rule) 


As you know, we added SilverSneakers** to our marketed Plans A, F and N in California. We are happy to share that SilverSneakers will be included with Plan G as a value-added program

For a no-obligation Anthem CA Plan G rate quote, give me a call at 800-509-0659


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

**SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time. The SilverSneakers fitness program is provided by Tivity Health, an independent company. Tivity Health and SilverSneakers ar…

Introducing the American Health Care Act

Congress releases the "American Health Care Act" today. This is the ObamaCare repeal and replacement. The Act will:
* Dismantle ObamaCare Taxes
* Eliminate Individual & Employer Mandate Penalties
* Prohibit Insurers from denying coverage (pre-existing)
* Help young adults access healthcare
* Establish a Patient and State Stability Fund
* Modernize and Strengthen Medicaid
* Empower Individuals & Families (expanding HSAs)
* Help Americans access affordable, quality health care** 
**Monthly Tax Credits between $2,000 and $14,000 a year for low- and middle-income families who don't receive insurance through work or a government program

Obamacare is collapsing. Republicans have a plan to repeal and replace it. More than eight months ago, we outlined our vision for repealing and replacing Obamacare in A Better Way. Since then, we have been talking with our constituents and colleagues about how to turn these solutions into policies that will improve lives
 GOP Overview and Link…

$21.8 million in ObamaCare tax credits awarded to individuals not eligible to receive them

Advanced Premium Tax Credits are used to help reduce the premium amount the insured pays for their ACA coverage.  Exchanges (State and Federal) are supposed to verify identity and eligibility at the time of application for coverage/subsidy.


The Affordable Care Act exchanges awarded $21.8 million in advance premium tax credits to individuals who were not eligible to receive them, according to an audit from the Treasury Inspector General for Tax Administration.The audit found that the exchanges did not successfully verify the identity of 35,276 individuals, and these individuals received $112 million in advance premium tax credits. The report notes that the majority of these applications—99 percent—had no verification process performed on them, and 251 failed identity verification.
Fox News  Article by Ali Meyer of Washington Free Beacon




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

ObamaCare ‘secret’ bill details will soon be made public

House Republicans plan to release the details of their ObamaCare replacement plan next week.  
House Republicans huddled this weekend to finish their ObamaCare replacement plan, while also trying to stanch criticism about a secretive and stalled process by revealing some specifics and vowing the bill will soon be available for review.“This plan will be out next week, and everybody will have a chance to see it,” Georgia Rep. Buddy Carter, a pharmacy owner and Republican member of the House Energy and Commerce Committee, told Fox News’ “America’s News Headquarters.”
According to Buddy Carter (R-Georgia), the replacement will include:


Americans with pre-existing conditions will qualify for coverage as with ObamaCareYoung adults will be able to remain on their parents plan to age 26Will include focus on HSA 
I will post the details once the plan is released to the public.
Fox News Article

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


Right Angle: ObamaCare At Death's Door

The Right Angle team (Bill Whittle, Scott Ott and Steven Green) on the Bill Whittle YouTube Channel give their take of the current state of the Affordable Care Act.  



Some very interesting information in this video.  

Oren Cass Manhattan Institute Article referenced in the video:

No, Obamacare Has Not Saved American Lives


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


GOP Proposals May Cap Employer-Sponsored Health Tax Exclusion

Some GOP proposals aimed at "repeal and replace" include language indicating they might cap the current tax exclusion on employer-sponsored health plans.  This exclusion basically allows employers to exclude from an employee's taxable income the amount of health insurance premiums contributed by the employer.  

Price's "Empowering Patients First Act" would limit the exclusion to $8,000 for individuals and $20,000 for families.

The Hatch-Burr proposal would cap the exclusion at $12,000 for individuals and $30,000 for families.



At issue is the longstanding tax exclusion for employer-sponsored health insurance, more than $250 billion that Americans who receive insurance from their jobs don’t pay in federal income or payroll taxes annually, according to 2016 figures from the nonpartisan Congressional Budget Office.
Critics of the exclusion note that it’s the federal government’s largest tax subsidy, a giveaway born in the 1940s that has led millions of Americans to…

Trump Addresses Healthcare "Re"-Reform

President Donald Trump addresses his vision of "repeal and replace" for a re-reform of ObamaCare.  Apparently, high deductible HSA compatible plans are going to be "a thing" under TrumpCare.






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