Businesses Taking Heat Over What to Do With Health Insurance Rebates

By: Friday August 10, 2012 3:30 pm

A couple weeks ago, when everybody was hailing the power of the medical loss ratio to send rebate checks to health insurance subscribers, I pointed out that a large percentage of the rebates would just revert back to employers, who could then do with them whatever they pleased, within certain limits.


Children Under 26 on Parents’ Health Plans May Not Qualify for Maternity Coverage

By: Tuesday August 7, 2012 12:15 pm

Under the Affordable Care Act children may stay on their parents’ insurance up to age 26, which has allowed by one estimate over 2 million sons and daughters to maintain their insurance coverage. However, if those same under-26 plan beneficiaries want to have a child, they may have to look elsewhere for coverage, because maternity care may not be covered for the dependents.

Many Insurance Company Rebates Just Revert Back to Employers

By: Monday July 30, 2012 2:50 pm

Under the Affordable Care Act, insurance companies that fail to spend 80% of their premium dollars on medical care in the individual and small group markets, or 85% for large-group employer-based plans, must return the balance of the premiums back to the subscriber. But in employer-based plans, the rebates go to the employer which may or may not apply them to the benefit of the insured employee.

The New Contraceptive Rules, and the Fragmentation of US Health Care

By: Monday March 19, 2012 8:50 am

Late on Friday, the Administration laid out a series of new details on the contraceptive mandate that has caused such controversy over the past several weeks. And it turns out that the White House determined that they could not enforce the mandate on self-insured plans, which may affect 200,000 students at colleges that self insure.

Harry Reid Will Allow Vote on Blunt Amendment, Extending Birth Control Access Debate

By: Wednesday February 15, 2012 8:20 am

Happy to allow a debate on birth control in 2012, Senate Majority Leader Harry Reid will give Republicans a vote on an amendment to the surface transportation bill authored by Sen. Roy Blunt (R-MO), known as the “Freedom of Conscience” amendment.

New Health Care Regulations Close Exchanges to Many Offered Unaffordable Employer Coverage

By: Monday August 15, 2011 3:00 pm

The somewhat good news here is that the seamless coverage regulations proposed by the Department of Health and Human Services have been widely praised. They are designed to do all those calculations backstage, so that the consumer need only to visit one portal to figure out which program they slot into. And it sets up a process for annual eligibility review, so individuals are not responsible for flagging their increase in income. Individuals who end up making too much for Medicaid will get to keep their coverage until they get a new plan on the exchange.

The somewhat bad news is that because of the new rules, the tax credits just got less affordable.

McKinsey Down in Flames as They Distance from Findings of Controversial Health Care Study

By: Monday June 20, 2011 4:16 pm

This is pretty much a public relations disaster for McKinsey. They’re clearly trying to claim that their study wasn’t making a prediction about the employer market, when the initial results actually show a strong lean in that direction, particularly the line that “the shift away from employer-provided health insurance will be vastly greater than expected and will make sense for many companies and lower-income workers alike.”

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