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On A Path Toward Single-Payer

In a discussion this week of potential “red flags” to an investment in UnitedHealth Group (parent company of UnitedHealthcare), The Motley Fool, a financial investment advisory firm, warned, “Health care reform continues a path toward a single-payer model that leaves insurance firms at a competitive disadvantage.”  That’s an understatement. When the Patient Protection and Affordable Care Act (PPACA) was first...
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Can We Afford “Blank Check” Healthcare?

In a health reform seminar my company sponsored recently, our keynote speaker, a renowned employee benefits attorney (and one of the few people who’ve actually read the 2,400+ pages of the Patient Protection and Affordable Care Act), made a curious comment that gets to the disconnect between what people think should be covered by health insurance versus how healthcare is...
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“Get Your Own Health Insurance Then! I’m Done!”

Employers are just plain worn-out by the annual renewal process.  And you might be surprised to know that health insurance carriers are too. Unless an employer gets a dream renewal, it takes a significant investment of time, effort and emotional energy to renew a healthplan.  And the carriers have to invest similarly in negotiations, rating alternative plan designs, assessing competitive...
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Medical Loss Ratios and Extreme Couponing

Recent articles have been celebratory:  “Millions of consumers and small businesses will receive an estimated $1.3 billion in rebates from their health plans this summer under a provision of the health care law that effectively limits what insurers can charge for administration and profits!” (AP). A great deal has been written lately about employers receiving rebates from health insurance carriers...
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Healthcare for Those Who Need It Least

According to Reuters, “…healthcare reforms have enabled 2.5 million young adults to join or remain in their parents’ health insurance plans…up from 1 million reported earlier this year. “Federal officials fully credited the gains to the Affordable Care Act, legislation championed by President Obama that took effect last year and is deemed the biggest overhaul of the U.S. healthcare system...
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