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[By Kaiser Family Foundation]

Premiums for the silver insurance premium plan that is used to benchmark tax credits under the Affordable Care Act (ACA) will fall by an average .8% in 2015, according to a new study.

Meanwhile, premiums for the lowest-cost bronze option available through the ACA’s healthcare exchanges will increase by an average of 3.3%.

Silver plans were chosen by 65% of exchange enrollees in 2014, and bronze plans were chosen by about 20% of enrollees, according a report from the U.S. Department of Health and Human Services.




Reference: http://medicaleconomics.modernmedicine.com/medical-economics/news/aca-exchanges-silver-premiums-decrease-average-8-2015



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12 Responses

  1. The ACA’s Anchor

    Medicaid is a growing economic powerhouse, anchoring the new coverage paradigm under the Affordable Care Act and wielding increasing influence within the healthcare sector and beyond.

    Already the largest source of federal funding flowing to states and a major revenue stream for providers, health plans, pharmaceutical companies, and vendors, Medicaid is projected to cover a record 65 million people and expend close to $500 billion dollars by the end of this year.

    Dr. David Edward Marcinko MBA CMP™


  2. Obamacare open enrollment is coming

    If you weren’t happy with the health insurance you’ve had this year, you’ll soon have a chance to go shopping for a new plan.


    On no – not again?



  3. The legality of Obamacare subsidies questioned

    “Federal judge rules Obamacare subsidies illegal. Will Supreme Court weigh in? – US District Judge Ronald White said the IRS lacked the authority to enact a regulation that allows the federal government to provide tax credits to qualified health care policyholders through health care exchanges.”

    Warren Richey
    [The Christian Science Monitor]
    September 30, 2014


    via Darrell Pruitt DDS


  4. Republicans Take Senate, Will Take on ACA Again

    In a midterm election with many implications for healthcare, Republicans pulled off their expected takeover of the Senate, which they hope will enable them to rewrite the Affordable Care Act (ACA), even if they can’t repeal it outright. Republicans already were in control of the House before today, and they gained even more seats.

    But, even though Republicans will rule the Senate as well as the House, their legislative agenda will run up against not only the veto power of President Barack Obama, but also having enough Senate votes, as projected, for Democrats to play filibuster.

    Source: Robert Lowes, Medscape News [11/5/14]


  5. Supreme Court to Hear Obamacare Subsidy Case

    The U.S. Supreme Court announced Friday it will hear King v. Burwell, a case that many say could gut the nation’s Patient Protection and Affordable Care Act, leaving millions of Americans uninsured. The question in King v. Burwell is whether the language of the act allows consumers to receive premium tax credits in states that have not established their own exchanges and instead are relying on HealthCare.gov. Many states have not created their own exchanges.

    One part of the law says the tax credits are available only to Americans who enrolled “through an exchange established by the state.” But the Obama administration argues that the law’s clear intention was to offer subsidies and expand coverage to Americans in every state, and that other sections of the law indicate that subsidies are available to people in states served by the federal exchange.

    In July, a 4th U.S. Circuit Court of Appeals panel in Virginia unanimously ruled in favor of the administration in King v. Burwell, saying subsidies should be allowed in all 50 states. The plaintiffs in the King case appealed to the Supreme Court.

    Lisa Schencker and Paul Demko
    Modern Healthcare [11/7/14]





  6. PP-ACA Auto-Renewal is a problem that defies easy solution

    The thing that worries many folks most about the next few years of health reform—aside from the obvious—is the kludgy auto-renewal process for exchange plans HIEs.

    But, there were some encouraging nuggets about reforming that process tucked into a new 324 page report of regulations; yet this is a problem that defies easy solution.

    Thanks to Aaron Carroll MD for alerting us to this report.

    Hope R. Hetico RN MHA


  7. ACA Redundancy

    Study: $1 Billion a Year in Redundant Obamacare Programs?

    Dr. David Edward Marcinko MBA


  8. Penalty Increases

    The fee for not having health insurance coverage in 2015 will increase to 2% of your annual household income or up to $975 per family, $325 per adult and $162.50 for each child under the age of 18 years, whichever is higher. That’s twice as much as the maximum penalty in 2014, when the fee was 1% of your annual household income, or $95.00 per adult and $47.50 per child under the age of 18 years.

    The maximum penalty per family in 2014 looks like a bargain now at $285, a hike of nearly 250%. The fee will continue to get stiffer in 2015 when it will cost families 2.5% of their annual household income or $695 per adult and $347.50 per child under age 18, the federal government’s way of incentivizing uninsured Americans to get health care coverage.



  9. Marketplace Rates Projected to Rise 12% in 2016

    Here are some more key findings from a recent analysis by HealthPocket regarding Affordable Care Act premiums for 2016:

    • Affordable Care Act premiums are projected to rise an average of 12% for 2016.
    • Silver plans accounted for 67% of marketplace plan selections and will increase by 14%.
    • At 16%, gold plans have the highest average rate increases projected for 2016.
    • Bronze plan premiums are projected to increase by an average of 9%.
    • Rate proposals for bronze HMOs/EPOs are 20% higher, while bronze PPOs are 4% higher.
    • Platinum plan premiums are projected to increase an average of 6%.

    Source: HealthPocket, June 11, 2015


  10. Many Employers Are Delaying ACA Effects By Delaying Renewals

    Seventy-three percent of plans have a renewal date on or after December 1, 65.4% of which were small businesses in the fewer than 100 employee market. Employers in the less than 50 employee market saw a 2.1% increase in renewals after December 1, 2015, compared to 2014.

    On average, employers this year saw only a modest 2.4% increase in annual health plan cost per employee.

    Source: United Benefit Advisors


  11. ACA – July 2016

    Health insurance premiums for Illinois residents who buy coverage through the Affordable Care Act’s marketplace could increase by as much as 45 percent according to proposals submitted by insurers.

    The leading insurer on Illinois’ exchange, Blue Cross Blue Shield, recently proposed increases for 2017 ranging from 23 percent to 45 percent for individual health-care plans.

    Just saying ….



  12. Most Marketplace Enrollees Were Eligible for Premium Tax Credits in 2017

    Kaiser Family Foundation recently released a brief on non-ACA-compliant insurance options. Here are some key findings on Marketplace plans from the report:

    • 85% of Marketplace participants in 2017 were eligible for premium tax credits.
    • The value of cost-sharing reductions was estimated to be $9 billion for 2018.
    • Most issuers implemented a 21% premium increase for their benchmark QHP in 2017.
    • 9 million Marketplace consumers were subsidy-eligible in 2017.
    • 7 million enrollees in ACA compliant plans did not receive subsidies in 2017.

    Source: Kaiser Family Foundation, April 18, 2018


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