Whether we like it or not, the trend in our for-profit health insurance system is to pass more of the cost of health care onto the consumer rather than to Continue Reading….
Media today is filled with a slew of old and new terminology that describes the various healthcare system types operating around the world–single payer, “socialized medicine”, market-driven, and universal to name a few. Continue Reading….
The New Obamacare Medical Loss Ratio (MLR) In 2011, a new Obamacare Medical Loss Ratio (MLR) equation was created and a minimum value set for comprehensive (major medical) health insurance (including Continue Reading….
Want to know how much health insurance companies are marking up health insurance premiums? Look no further than the Medical Loss Ratio (MLR) which in its simplest form is given Continue Reading….
The big news in healthcare circles this week is the connection between Aetna’s planned exit from 15 out of 19 state health insurance exchanges where it does business and the Justice Department’s lawsuit blocking Continue Reading….
BB–enough already with this health insurance risk pool “stuff”! Why are you devoting yet another blog post about it! I totally sympathize, really I do. Unfortunately, my mission demands that I lay a Continue Reading….
It never ceases to amaze me how little people know about their health insurance. Companies today are reducing health insurance benefits every year and people are either not noticing or Continue Reading….
The Cadillac tax (officially the High Cost Plan Excise Tax) is supposed to apply a tax on overly generous, employer-sponsored health insurance plans (the so called Cadillac plans). A Cadillac health insurance Continue Reading….
What is Health Insurance? Every American needs to understand some basic concepts of health insurance to be an informed consumer. Like all insurance, health insurance is a product that serves Continue Reading….
The High Deductible Health Plan A high deductible health plan (HDHP) is defined as a health insurance plan with annual minimum deductibles of $1,300 for single coverage and $2,600 for Continue Reading….