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Collateral Damage of a Repeal of the ACA

February 17, 2017

ObamaCare, ACA, repeal

Few things in this world are perfect, or even nearly perfect.  The term “mixed blessing” can be nearly universally applied in most situations.  Factor in emotions heightened by personal experience or prejudice, and political leanings and PACs, add in big money at risk, and the situation becomes nearly volatile. 

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Is Health Insurance a Human Right?

With President Trump now in the White House, the big question is, what will happen to the ACA? Of course big changes come with the switching of a presidential administration. With the last three presidents serving out two full terms, the United States has only seen three presidents in the last 24 years. That gives the incumbent president eight full years to put new laws and policies into place, and seemingly the next president just days to dismantle it all. So far, President Trump has vowed to leave the pre-existing condition clause in place as he attempts to dismantle the Affordable Care Act. Some believe him, some don’t, and many are upset over the prospect of not being able to qualify for insurance without this clause. I think it begs the question: is insurance a human right?

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Is the ACA Worth Discussing Anymore?

Seems like an easy question that could simply be answered with a yes or no answer, right? However, the answer depends on who you are: a consumer, a politician, or a health insurance agent.

The consumer must believe the Affordable Care Act is relevant. About 20 million more Americans now have health insurance than before the law was enacted in 2010. During the last enrollment period 12.7 million signed up, almost 40 percent of those being newcomers. Plus, the ACA still requires people to own a plan to avoid having to pay a penalty - a fee called the “individual shared responsibility payment.” Click here for more details on penalties on penalties.

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Federally Facilitated Exchanges No Longer Temporary

February 08, 2016

ObamaCare, ACA

The administration has gradually moved away from the ACA’s goal of encouraging Federally Facilitated Exchange (FFE) states to stand up their own State-based Exchanges (SBEs). The ACA was written with state-based exchanges as the primary model, and the federal platform was expected to be a temporary solution for most states.

The agency, for example, offers no new encouragement for a state to switch to a state-based model or to preserve SBE status. The agency also proposes making it more expensive for SBEs that want to shift some functions to the federal platform. Some industry observers expect more SBEs will move to the FFE model entirely or move to a partnership model.

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Obamacare Alternatives: Health Care Sharing Ministries

January 26, 2016

ObamaCare, ACA

Health Care Sharing Ministries may be an affordable option to an Obamacare plan, in some cases saving 50-60% of premium, but what are they and what is the risk of enrolling?

Health Care Sharing Ministries plans (HCSMs) are faith based plans for individuals and families.  These plans are considered to be a non-insurance related product.  Most of us are familiar with discount plans featuring savings for dental, vision, hearing and prescription drugs; these plans are not insurance.

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