We have yet another study indication that people are going to have a very tough time using the Affordable Care Act health exchanges effectively. New research from the Urban Institute found that a large percentage of uninsured adults under 65 and making less than 400 percent of the federal poverty line acknowledge they are not very good at math.
|By: Jon Walker Monday September 29, 2014 10:15 am|
But we can stop it.
|By: Jon Walker Friday September 19, 2014 11:17 am|
The bizarre decision by Democrats to make keeping the official CBO price tag under $1 trillion their top priority, which led them to reduce subsidies and allow higher deductibles, will stop the law from ever living up to its name.
|By: Jon Walker Tuesday August 12, 2014 2:35 pm|
In the states where we have information so far, the number of insurers offering policies on the new Affordable Care Act exchanges will go up next year according to Advisory.com. A big example is New Hampshire which will go from just one insurer on the exchange this year to possibly five next year.
|By: Jon Walker Monday July 28, 2014 10:20 am|
The Affordable Care Act exchanges will allow people to automatically renew the policy they selected last year but the complexity of how affordability tax credits are calculated means that could cause new problems for people.
|By: Jon Walker Wednesday July 16, 2014 12:07 pm|
The more I read about how regular people interact with the new health insurance exchanges created by the Affordable Care Act, the more convinced I’ve become that most people probably aren’t making the optimal decision.
|By: Jon Walker Tuesday July 15, 2014 5:07 pm|
Remember when President Obama repeatedly promised that using the Affordable Care Act exchanges would be as easy as buying stuff on Amazon or Kayak? Well it didn’t quite work out that way.
|By: Jon Walker Monday June 16, 2014 1:05 pm|
To me, the most fundamental problem with the exchanges is that they depend on people being highly knowledgeable health insurance shoppers and that is never going to happen. Kaiser Health News has a good story shows just how bad health literacy is in this country
|By: Jon Walker Friday May 30, 2014 1:00 pm|
Next year is still a unique circumstance. Insurance companies are making a one time adjustment based on how well their predictions lived up to the reality of enrollment this year. In addition, they are still benefiting from the temporary reinsurance and risk corridors programs which will soon disappear. It is too early to learn much one way or the other.
|By: Jon Walker Thursday May 8, 2014 2:29 pm|
It might be possible to make this complex system work relatively well if we aggressively patch each issue as soon as it arises but that would take serious political will and a very responsive Congress, neither of which we have.