Archive for the ‘Patient Protection and Affordable Care Act (PPACA)’ Category

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ACA and The Employer Mandate – Can It Work?

Much fuss has been made of health reform’s “individual mandate”.  It is the favorite target of tea baggers.  Several states have filed suit against the federal government to block its implementation.

There are debates about whether the individual mandate is legal, and more important, whether it will be effective.

These questions may take on even more significance if employer-sponsored health insurance (ESI) does not survive.   There are some, including this author, who question whether it will survive?

Shamrock on First Day of Spring

Confusing Incentives

What will be the incentives under ACA (the Affordable Care Act) for employers to continue to provide health insurance?  During the debate leading up to its passage a year ago, employers clung to the promise that if more people paid for their coverage it would lower the costs to employers. Continue reading ‘ACA and The Employer Mandate – Can It Work?’

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Consumer Health Care Confidence Peaks After PPACA

The end of 2010 marked the first full calendar year of survey data on American’s experiences and expectations with its health care.  Since 2009 The Robert Wood Johnson Foundation has tracked consumer confidence in health care.

How did the year begin?

How did the year end?

What happened along the way?

The answer to the last question is easy.  On March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act.

What is interesting is that for the index overall and in almost every sub-group, the index peaked in April shortly after the passage of health care reform and then trailed off  ending lower than where it started.

The biggest swings were in the groups that had the most to gain from meaningful health care reform, the uninsured, the low income, and the young.

High income and older people showed little change during the year.

Among the uninsured, the year began at 54.3, peaked in April at 69.0 and then trailed of to 50.0 in December.

Likewise among low income families, the index started off at 82.7, hit 85.1 in April, and 86.3 in September and October before plummeting to 71.5 in December.

The index followed a similar trend among the young, beginning the year at 92.6, climbing to 105.2 in April, dipping during the summer before reaching a peak in September of 109.2 and them sinking to 84.2 – a 21 point swing during the year.

The last measure is particularly interesting since it is young people who saw the first real impact of health reform.  The PPACA allowed children up to age 26 to stay on their parents’ health plan.  Did the 27-34 cohort tip that measure?  Or was it the those in the 18-26 group who did not have parents with  heath insurance?

The survey authors carefully note that no clear trends emerge from these data.  Perhaps statistically that is accurate.   But for some, the numbers do tell a story, a story of hope followed by promise, followed by the reality of a promise delayed.

Photo Credit:  JL McGee
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Health Care Reform, Money and the Devil

Surprise, surprise!  The health care industry spent lots of money lobbying Congress in 2009 and 2010.

Last December, the New England Journal of Medicine provided some interesting insights into money and the legislative and electoral process.

Devil Tree

Devil Tree

Using data collected by the Center for Responsive Politics (CRP) for the first nine months of 2009, the Journal estimates that the health sector would spend about a half billion dollars in lobbying in 2009.  About half of that came from the pharmaceutical industry and other health care product manufacturers.

The health care sector does not include the insurance industry which added an additional $160 million to that half billion.

The Center for Public Integrity (CPI) arrives at a much bigger number, $1.5 billion, but their report does not indicate whether it includes spending on elections.  Those amounts are reported separately by CRP. Continue reading ‘Health Care Reform, Money and the Devil’

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End of the World as We Know It?

In an article in Employee Benefit News, Nancy Bolton expressed some of the concern, confusion, and questions of many in the employee benefits profession right now.

Where are we going?

Where are we going?

Will health care reform be good for employee benefit plans?

Readers familiar with my musings and rants will know that I will not mourn the demise of employer sponsored health coverage.  But I am also no fan of an individual mandate.

Good guys

Nevertheless, Bolton’s perspective is an interesting one.  Like me, she administers a public plan.  She asks the question, “Aren’t employers the good guys?”

Why didn’t the politicians who loudly proclaimed support for employment based health care, do more to underwrite its cost. Continue reading ‘End of the World as We Know It?’

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The Devil is the Details – Covering Dependents to 26

3490883926_2b26f448beFor all of the fuss about “big government” and about 2,000 page pieces of legislation, you might think there would be more pressure for legislators to take the simple route.

Not!

Take the provision in the Patient Protection and Affordable Care Act that extends care to dependents up to age 26.

HR 676 – the single payer legislation that is still before the House of Representatives – has this to say about eligibility:

All individuals residing in the United States (including any territory of the United States) are covered under the USNHI Program entitling them to a universal, best quality standard of care.

Compare that with language in the Patient Protection and Affordable Care Act (PPACA) regarding eligibility just for those young adults up to age 26 who are children of parents with employer sponsored health insurance. Continue reading ‘The Devil is the Details – Covering Dependents to 26’

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