Posts Tagged ‘insurance

21
May
15

$2.5T In Savings?! Thanks, ObamaCare

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West Wing Reports: Guess How Much Healthcare Could Cost Now?

A report issued Wednesday says that the most recent official projections indicate that the U.S. will spend $2.5 TRILLION LESS on health care from 2014 until 2019 than had been originally estimated at the time the Affordable Care Act became law in 2010. That represents a nearly 11 percent decrease in projected spending, according to the report issued by the Urban Institute, with support from the Robert Wood Johnson Foundation.

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Russ Britt: Obamacare Making Insurers More Responsive, Efficient: Study

A provision in Obamacare governing spending guidelines for health insurers essentially has forced carriers to become more efficient and responsive, a study released Wednesday finds. The joint study from the Urban Institute and the Robert Wood Johnson Foundation says minimum requirements in the Affordable Care Act that mandate how much insurers must spend on medical care resulted in savings of

$5 billion for consumers in 2011 and 2012, the first two full years after Obamacare was enacted in March 2010. For 2011 policies, insurers paid $1.1 billion in rebates. By 2012, insurers had adjusted premiums to comply with the new guidelines, though they still ended up paying more than $500 million in rebates. But that adjustment in premiums saved consumers an estimated $3.4 billion, Clemans-Cope says.

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13
May
15

ObamaCare: Providing Women The Healthcare They Deserve

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White House: What You Need To Know About The New Contraception Guidance

It is crucial that insurance companies provide all the benefits that women deserve under the Affordable Care Act, at no cost or inconvenience. So this week, the Obama administration took steps to eliminate any ambiguity around the reforms the ACA calls for. Here is what the Administration’s guidance makes clear: Most insurers must cover, without cost-sharing, at least one form of contraception in each of the 18 methods for women that the FDA has identified, including the ring, the patch, intrauterine devices (IUDs), and birth control pills. Additionally, the Administration is making a few other things clear to protect important preventive services:

Insurers must cover preventive screening, genetic counseling, and genetic testing for women who are more likely to have a certain type of gene that puts them at increased risk for breast cancer, if deemed appropriate by their providers. Issuers cannot limit preventive services based on an individual’s sex assigned at birth, gender identity, or recorded gender. This will help ensure that transgender people receive the care they need. If a plan covers dependent children, companies must provide recommended women’s preventive services for those dependent children.

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27
Apr
15

The Power Of ObamaCare: Millions Happy With Their Health Coverage

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Steve Benen: ACA Scores Big On Customer Satisfaction

When the Affordable Care Act’s Republican critics were making all kinds of dire predictions about the inevitable “failures” of “Obamacare,” one of the charges was that American consumers will end up hating the coverage they receive through the reform law. And for those ACA detractors looking for something, anything, to bolster their contempt for the law, I’m afraid I have more bad news: Americans who received coverage through Obamacare tend to be quite pleased with the results.

Obamacare customers nationally also tended to be more satisfied with their plans bought in 2014 than people who primarily have traditional job-based health coverage – the majority of those with insurance – the study by the J.D. Power market research company found. Politico reported back in November: “A majority of Americans give good reviews for insurance they recently acquired through government exchanges within the past year, a new poll shows. With the second round of Obamacare enrollment set to begin on Saturday, 71 percent said their coverage through the exchanges was good or excellent, according to a Gallup poll released Friday.

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24
Apr
15

ObamaCare: The Wonderful Gift That Keeps On Giving

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Jeffrey Young: Uninsured Rate Gets Lower And Lower, Thanks To Obamacare

The Affordable Care Act was designed to slash the percentage of Americans who lack health insurance, and it’s working. The uninsured rate fell to 11.9 percent during the first quarter of this year, 1 percentage point below the rate at the close of 2014, according to the findings of a Gallup-Healthways Well-Being Index poll published Monday. The decline coincides with the start of benefits for new Obamacare enrollees at the beginning of 2015. The latest uninsured figure from the Gallup survey is the lowest since the polling firm began tracking the number in 2008, and contributes to a remarkable decline of 5.2 percentage points in the share of people without health coverage since the end of 2013, just before the first wave of Obamacare health insurance enrollees joined the ranks of the insured.

African-Americans, Hispanics and people with low incomes saw the greatest gains in insurance coverage, Gallup found. the pollsters conclude that Obamacare is mostly responsible for the current trend because the uninsured rate is lower than it was in early 2008, when the economy was in recession. About 12 million people are covered by private health insurance obtained via the exchanges, according to the Department of Health and Human Services. A separate analysis published by the department last month estimates that 16 million fewer Americans are uninsured because of the Obamacare coverage expansion, including the exchanges and Medicaid.

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13
Apr
15

9 In 10 Adults Covered? Thanks, ObamaCare

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Ricardo Alonso-Zaldivar: Survey: Nearly 9 In 10 US Adults Now Have Health Insurance

Underlining a change across the nation, nearly 9 out of 10 adults now say they have health insurance, according to an extensive survey released Monday. As recently as 2013, slightly more than 8 out of 10 had coverage. The Gallup-Healthways survey found that the share of adults who lack insurance dropped to 11.9 percent for the first three months of this year, the lowest level since that survey began its tracking in 2008. The latest update overlaps with the period when the health law’s second sign-up season was winding down. Coverage gains from 2014-2015 translate to about 3.6 million fewer adults uninsured since the fall, before open enrollment got under way, according to Gallup. “The Affordable Care Act had three major objectives: increase coverage, slow the rate of increase in costs, and improve health,” said Dan Witters, research director for the poll.

“The first one is clearly a win. Coverage is increasing; there is no question about it.” On balance, an estimated 14.75 million adults have gained coverage since the fall of 2013, when the law’s first open enrollment season was about to begin, according to Gallup. Hispanics saw the biggest coverage gains of any ethnic or racial group. The uninsured rate dropped 8.3 points among Latinos since the end of 2013. Recent gains in coverage have benefited people up and down the income ladder. But the most notable improvement has been among those making less than $36,000 a year, a group that traditionally struggled to get and keep health insurance. Their uninsured rate dropped 8.7 points since the end of 2013.

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12
Apr
15

Democrat Or Republican? ObamaCare Has Your Back

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Amy Lynn Smith: Having Faced A Medical Bankruptcy, Republican Has A Change Of Heart About The ACA

When health insurance became available through Healthcare.gov last year, Theresa had her doubts about the Affordable Care Act (ACA). As a fiercely independent small business owner — and a Republican — the only news she saw about Obamacare was negative. Theresa says she’s grateful she didn’t listen to the people who told her Obamacare was “bullsh*t.” Through Healthcare.gov, she found a Silver plan for just $94 per month, with the help of tax credits. About six years ago, Theresa had polyps on her vocal cords and her doctor told her if she didn’t have surgery she could choke on them or bleed to death. Plus, there was a chance the polyps could turn cancerous.

Theresa didn’t have a choice, but without insurance her surgeons demanded payment in advance. She says the surgery and subsequent care cost her “tens of thousands of dollars.” Fortunately, starting in January 2015 Theresa will have health insurance that’s accepted by all her doctors, with a $700 annual deductible and $1,450 out-of-pocket maximum limit. It will cost her just a $20 co-pay to see her primary physician and $50 to see a specialist. She can’t wait to schedule all her check-ups, including the necessary follow-up on the remaining polyps she couldn’t afford to have removed.

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