Why would anyone want to move from a large employer plan to the new exchanges? I honestly don’t know. My strong suspicion is that there is another very important part to this provision we currently don’t know about; I get the sense that there is much more to this moving-to-the-exchange provision than we know right now.
|By: Jon Walker Friday January 15, 2010 2:35 pm|
|By: Jon Walker Wednesday January 6, 2010 12:55 pm|
The only “uses” for regional subsidiary exchanges within a single state that I can think of would not be for the benefit of the general public. Subdividing already small state-based exchanges would allow insurance companies to keep premiums higher by reducing the bargaining power of individuals. It could allow several insurers to be active in a single state while avoiding direct competition with each other by only offering plans in different subsidiary exchanges. Most insidious, the regional subsidiary exchanges, in theory, could be used to redline minorities and low income communities.
|By: David Dayen Tuesday December 29, 2009 12:50 pm|
Paul Waldman’s piece about the differences to be worked out in the House-Senate conference committee on health care is a pretty nice recitation of the issues we’ve been discussing for several weeks. He offers ten specific issues. . .
|By: Jon Walker Monday December 28, 2009 7:15 pm|
Almost all evidence points to the simple conclusion that the new health insurance market places in the Senate bill called “exchanges” will not slow the out-of-control increase in health care costs.
|By: Jon Walker Wednesday December 23, 2009 11:30 am|
The most critical failing of the Senate bill is that it still leaves the private insurance companies unchecked. They will not face competition from a public option, there will not be a truly robust risk adjustment mechanism to de-incentivize cherry picking, and the state insurance commissioners meant to enforce the new regulations will lack the will and/or the funding to take them on. Rules without a policeman strong enough to enforce them are just empty promises.