- 10,276
Why give it any link juice. I would bury it!
Obama Care Resource
- Thread starter RBHAGENT
- Start date
- 8,448
Well in that case, should we petition the forum moderators to remove this thread..or maybe even the entire Healthcare Reform sub-forum? Sometimes it's good to behave like an ostrich and get put out of one's misery quickly!
- 10,276
And sometimes it's good to GET OUT OF INDY HEALTH SALES!!!
I hope all of you have developed that second option (as you were told two years ago to do). If you rely on indy health...uh oh!
Did I get out? No. But I diversified. You need to GET OUT!
WebNanny was not used in this post
WebIWarnedYouTwpYearsAgo was used in this post
I hope all of you have developed that second option (as you were told two years ago to do). If you rely on indy health...uh oh!
Did I get out? No. But I diversified. You need to GET OUT!
WebNanny was not used in this post
WebIWarnedYouTwpYearsAgo was used in this post
- 8,448
Few more links...
Health Insurance Marketplace home | Marketplace.CMS.Gov
The Federal Government's new portal that explains how Exchanges work (among other things) and will also be a central location for consumers to be routed to their specific state exchange websites later this year.
http://www.cms.gov/Outreach-and-Education/Outreach/OpenDoorForums/ODF_HealthInsuranceMarketplace.html
To keep up-to-date on HHS and state conference calls, web-forums, related to Exchange/Marketplace implementation around the country.
http://cciio.cms.gov/
"The Center for Consumer Information and Insurance Oversight (CCIIO) is charged with helping implement many provisions of the Affordable Care Act, the historic health reform bill that was signed into law March 23, 2010. CCIIO oversees the implementation of the provisions related to private health insurance. CCIIO works closely with governors and the state insurance commissioners, consumers, and stakeholders to ensure the new law best serves the American people."
Health Insurance Marketplace home | Marketplace.CMS.Gov
The Federal Government's new portal that explains how Exchanges work (among other things) and will also be a central location for consumers to be routed to their specific state exchange websites later this year.
http://www.cms.gov/Outreach-and-Education/Outreach/OpenDoorForums/ODF_HealthInsuranceMarketplace.html
To keep up-to-date on HHS and state conference calls, web-forums, related to Exchange/Marketplace implementation around the country.
http://cciio.cms.gov/
"The Center for Consumer Information and Insurance Oversight (CCIIO) is charged with helping implement many provisions of the Affordable Care Act, the historic health reform bill that was signed into law March 23, 2010. CCIIO oversees the implementation of the provisions related to private health insurance. CCIIO works closely with governors and the state insurance commissioners, consumers, and stakeholders to ensure the new law best serves the American people."
Here are some of my favorite resources for health care reform:
Subsidy explanations, charts & flow charts
Federal Poverty Guidelines - FPL chart
http://www.kff.org/healthreform/upload/7962-02.pdf - Kaiser explanation of subsidy calculation for both premium subsidy and cost sharing subsidies, with charts. Note that their chart for cost-sharing subsidies is not very detailed. For that reason, use the chart found at CoreSource - The Patient Protection and Affordable Care Act (Section 5)
https://benecomplink.com/services/ - Calculator for penalties, like penalty vs premium, individual mandate penalty, small business tax credit. Look at the bottom of the web page for these.
http://www.naic.org/documents/committees_b_consumer_information_130319_flow_chart.pdf - NAIC flow chart for subsidy or not - leaves out all info. past the door to eligibility.
http://healthreform.kff.org/~/media/Files/KHS/Flowcharts/employer__penalty_flowchart_1.pdf - Kaiser Employer "Pay or Play" penalty flow chart
Obamacare Flowchart | Intellectual Takeout (ITO) - PPACA bureaucracy flow chart
Subsidy Calculators
Health Reform Subsidy Calculator - Kaiser Health Reform - Kaiser premium subsidy calculator. This is BASIC, but flawed. It only does singles or families of 4 for instance. The premiums are not accurate either. However, it's a place to start. Read the supporting text, likewise for good info.
What the health care law means for you - The Washington Post - Washington Post premium subsidy calculator. This is better, but still only dealing with simple issues.
National Health Care Calculator - Premium subsidy calculator. Likewise too simplistic, and using out-of-date information and premium estimates.
News Sources
The following 3 are all Kaiser
1. Kaiser Health Reform Gateway: Health Care Reform and Health Insurance Reform Analysis, Data and Information
2. Kaiser Health News
3. The Henry J. Kaiser Family Foundation - Health Policy, Media Resources, Public Health Education & South Africa - Kaiser Family Foundation
The Hill and Healthwatch - The Hill's Healthwatch - Both of these are from The Hill
Anything written by Avik Roy
Insurance news & sales ideas for life & health insurance professionals - LifeHealthPro - Life Health Pro
Employee Benefits News & Data for Benefits Brokers, Benefits Managers & Retirement Advisors | BenefitsPro - Benefits Pro
NAHU Washington Update - 03/08/2013 NAHU weekly updates. They send these every Friday, as you can see by the date near the end of the URL. If you change the date near the end of the URL you can see other weeks' updates.
ObamaCare Watch - per Allen in Chicago
Health Reform GPS: Navigating the Implementation Process - Health Reform GPS
http://ifawebnews.com/category/health-insurance-news/ - IFA news
Blogs & Agent websites
Dave Fluker's California Health Insurance Blog - Dave Fluker Dave020
InsureBlog - Somarco's blog
Healthcare Exchange | Exchanging ideas. Finding solutions. - this is Benefit Mall's blog
News and Events | BenefitMall General Agency - Benefit Mall updates
The Horton Group Blog – HealthCare Reform - The Horton Group
http://healthblog.ncpa.org/ - John Goodman
Health - Disability - Actuarial Outpost - A Forum for Actuaries, with a sub forum for Health & Disability. Very good insight into what our actuaries are contemplating!
Good Insurance Company newsletters
Health Reform Weekly - Aetna Health Reform Connection - Aetna. Surprisingly an excellent newsletter!
ACA/Health Care Reform - absolutely excellent newsletters & webinars from a very reputable TPA and compliance expert called InfiniSource.
Good Insurance Company guides (however, they are only current as of the publication date)
http://apps.humana.com/marketing/documents.asp?file=2037893 - Humana
Health Reform Marketing and Communications Broker Health Reform Guide | January 2013 - United Healthcare Guide
http://www.uhc.com/united_for_reform_resource_center/health_reform_provisions.htm - United Healthcare Reform Resource Center website
Exchanges / Marketplaces / Govt sites
Health Insurance Marketplace | HealthCare.gov - HHS starting to put up news
Health Insurance Marketplace home | Marketplace.CMS.Gov - CMS
Health Insurance Marketplace Stakeholder Engagement Open Door Forum - Centers for Medicare & Medicaid Services - CMS
Center for Consumer Information and Insurance Oversight | cciio.cms.gov - CCIIO - division of CMS that is setting up the exchanges
Covered California Health Insurance Exchange, CAHBA - CA exchange
Utah Health Exchange - Utah exchange
https://www.mahealthconnector.org/portal/site/connector - Massachusetts
Your State Marketplace | HealthCare.gov - Info about all state run exchanges, per HHS
Subsidy explanations, charts & flow charts
Federal Poverty Guidelines - FPL chart
http://www.kff.org/healthreform/upload/7962-02.pdf - Kaiser explanation of subsidy calculation for both premium subsidy and cost sharing subsidies, with charts. Note that their chart for cost-sharing subsidies is not very detailed. For that reason, use the chart found at CoreSource - The Patient Protection and Affordable Care Act (Section 5)
https://benecomplink.com/services/ - Calculator for penalties, like penalty vs premium, individual mandate penalty, small business tax credit. Look at the bottom of the web page for these.
http://www.naic.org/documents/committees_b_consumer_information_130319_flow_chart.pdf - NAIC flow chart for subsidy or not - leaves out all info. past the door to eligibility.
http://healthreform.kff.org/~/media/Files/KHS/Flowcharts/employer__penalty_flowchart_1.pdf - Kaiser Employer "Pay or Play" penalty flow chart
Obamacare Flowchart | Intellectual Takeout (ITO) - PPACA bureaucracy flow chart
Subsidy Calculators
Health Reform Subsidy Calculator - Kaiser Health Reform - Kaiser premium subsidy calculator. This is BASIC, but flawed. It only does singles or families of 4 for instance. The premiums are not accurate either. However, it's a place to start. Read the supporting text, likewise for good info.
What the health care law means for you - The Washington Post - Washington Post premium subsidy calculator. This is better, but still only dealing with simple issues.
National Health Care Calculator - Premium subsidy calculator. Likewise too simplistic, and using out-of-date information and premium estimates.
News Sources
The following 3 are all Kaiser
1. Kaiser Health Reform Gateway: Health Care Reform and Health Insurance Reform Analysis, Data and Information
2. Kaiser Health News
3. The Henry J. Kaiser Family Foundation - Health Policy, Media Resources, Public Health Education & South Africa - Kaiser Family Foundation
The Hill and Healthwatch - The Hill's Healthwatch - Both of these are from The Hill
Anything written by Avik Roy
Insurance news & sales ideas for life & health insurance professionals - LifeHealthPro - Life Health Pro
Employee Benefits News & Data for Benefits Brokers, Benefits Managers & Retirement Advisors | BenefitsPro - Benefits Pro
NAHU Washington Update - 03/08/2013 NAHU weekly updates. They send these every Friday, as you can see by the date near the end of the URL. If you change the date near the end of the URL you can see other weeks' updates.
ObamaCare Watch - per Allen in Chicago
Health Reform GPS: Navigating the Implementation Process - Health Reform GPS
http://ifawebnews.com/category/health-insurance-news/ - IFA news
Blogs & Agent websites
Dave Fluker's California Health Insurance Blog - Dave Fluker Dave020
InsureBlog - Somarco's blog
Healthcare Exchange | Exchanging ideas. Finding solutions. - this is Benefit Mall's blog
News and Events | BenefitMall General Agency - Benefit Mall updates
The Horton Group Blog – HealthCare Reform - The Horton Group
http://healthblog.ncpa.org/ - John Goodman
Health - Disability - Actuarial Outpost - A Forum for Actuaries, with a sub forum for Health & Disability. Very good insight into what our actuaries are contemplating!
Good Insurance Company newsletters
Health Reform Weekly - Aetna Health Reform Connection - Aetna. Surprisingly an excellent newsletter!
ACA/Health Care Reform - absolutely excellent newsletters & webinars from a very reputable TPA and compliance expert called InfiniSource.
Good Insurance Company guides (however, they are only current as of the publication date)
http://apps.humana.com/marketing/documents.asp?file=2037893 - Humana
Health Reform Marketing and Communications Broker Health Reform Guide | January 2013 - United Healthcare Guide
http://www.uhc.com/united_for_reform_resource_center/health_reform_provisions.htm - United Healthcare Reform Resource Center website
Exchanges / Marketplaces / Govt sites
Health Insurance Marketplace | HealthCare.gov - HHS starting to put up news
Health Insurance Marketplace home | Marketplace.CMS.Gov - CMS
Health Insurance Marketplace Stakeholder Engagement Open Door Forum - Centers for Medicare & Medicaid Services - CMS
Center for Consumer Information and Insurance Oversight | cciio.cms.gov - CCIIO - division of CMS that is setting up the exchanges
Covered California Health Insurance Exchange, CAHBA - CA exchange
Utah Health Exchange - Utah exchange
https://www.mahealthconnector.org/portal/site/connector - Massachusetts
Your State Marketplace | HealthCare.gov - Info about all state run exchanges, per HHS
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Great post, Ann. That made my membership fee worth it.
I just amended my post above to add one more resource. It's a forum for Actuaries, and it has a sub forum for Health and Disability, where they discuss PPACA a lot. It's at:
Health - Disability - Actuarial Outpost
It's a pretty informative source. They have some of the same predictions that we have. When one poster asked what the anticipated new rates would be, another poster answered "Roughly trend + taxes and fees of PPACA + benefit changes + guaranteed issue effect + anti-selection effect + commission changes".
Health - Disability - Actuarial Outpost
It's a pretty informative source. They have some of the same predictions that we have. When one poster asked what the anticipated new rates would be, another poster answered "Roughly trend + taxes and fees of PPACA + benefit changes + guaranteed issue effect + anti-selection effect + commission changes".
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From what I've read (and remember), we're looking at roughly:
Trend - 12-15%
Taxes & fees - 3-5%
Benefit changes - 5-7% (estimate)
GI effect - 20-25% (only on IFP in IL, group is already GI)
Anti-selection - 3-7%
Commission changes - no idea
That puts us somewhere between 40-59% increases on IFP, and 23-34% on small group, according to those numbers.
And you thought that owners and managers were unhappy about 10% renewal numbers of late.
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My goodness Ann! How do you keep up on all this and sell? Do you sleep?
I won't speak for anyone, but I think I can safely say that most of us appreciate you (and Bill and Dave and others) posting all this to help us try to keep up.
I won't speak for anyone, but I think I can safely say that most of us appreciate you (and Bill and Dave and others) posting all this to help us try to keep up.
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