ObamaCare’s impact on health costs.

“The top executive for H&R Block, the nation’s largest tax preparer, on Wednesday said he expected President Obama’s health care law to add “significant complexity” to next year’s tax season.
Speaking on H&R Block’s quarterly earnings conference call, CEO William Cobb said that the company was already taking steps to train its tax preparers based on the draft forms that the Internal Revenue Service has released to comply with Obamacare.
“As expected, the forms are very detailed and can present significant complexity, depending on a filer’s coverage status during the year, income level, and household composition,” Cobb said. “Depending on their situation, there are instances where filers may need to file multiple new tax forms and complete additional worksheets.””

“The ObamaCare exchanges that opened for business last fall to disastrous consequence are expected to be largely improved with better technology and more insurance plans when they re-open next month, but critics are still raising concerns about consumer costs and choices.
The Department of Health and Human Services said in a preliminary report released Sept. 23 that the number of insurers has increased by 25 percent, which officials argue should lower premium costs through competition, in addition to offering customers more choices.”

“When President Obama was promoting passage of health reform, he promised that the average American family would save $2,500 a year on health insurance costs. But since the law passed in 2010, costs have risen by more than $5,000.
According a report by the actuarial firm Milliman, a typical employer’s family plan cost a total of $18,074 in 2010 and $23,215 in 2014 — counting employer, employee and out-of-pocket costs.
The Affordable Care Act is not more affordable for those with employer coverage and certainly not for taxpayers. A new study from Bloomberg Government found that the health law so far has cost taxpayers $73 billion — including $2 billion on the website.”

“Last week, the Department of Health and Human Services announced that the number of insurers participating in state marketplaces was on the rise. But it didn’t say whether that improved competition was taking place everywhere, or just in the urban markets that already had a lot of insurance carriers.
The week before, it announced that 7.3 million Americans were currently enrolled in marketplace plans created by the Affordable Care Act. But it didn’t share a breakdown by health plan, state, age or income.”

“The Supreme Court said Thursday it will decide whether private sector health care providers can force a state to raise its Medicaid reimbursement rates to keep up with the rising cost of services.
The justices agreed to hear an appeal from Idaho, which wants to overturn a lower court decision that ordered the state to increase payments.
A 2009 lawsuit argued that the state was unfairly keeping Medicaid reimbursement rates at 2006 levels despite studies showing that the cost of providing care had risen. A federal judge agreed, and the 9th U.S. Circuit Court of Appeals affirmed.”

“Who’s up for the latest batch of bad Obamacare-related news?
(1) Consumers brace for the second full year of Obamacare implementation, as the average individual market premium hike clocks in at eight percent — with some rates spiking by as much as 30 percent.
(2) “Wide swings in prices,” with some experiencing “double digit increases.”(Remember what we were promised):
Insurance executives and managers of the online marketplaces are already girding for the coming open enrollment period, saying they fear it could be even more difficult than the last. One challenge facing consumers will be wide swings in prices. Some insurers are seeking double-digit price increases…”

“One year ago, every network, every member of Congress and certainly HHS and CMS watched or tried to log into HealthCare.gov. It proved to be a long, long wait. The collective frustration at the end of the day was the site did not work.
Despite repeatedly assuring both Congressional committees and the American public that the new marketplace and this bold new experiment on shopping for government controlled health insurance was to be smooth as silk and easy as pie, the rollout was a colossal failure for the HHS Secretary and her team. Ultimately, she admitted being responsible for the ‘debacle’ but not much has been done to eliminate the problems and clean up the process. HealthCare.gov is still broken.
The rollout was a failure, but my hope is the bureaucracy has learned some lessons. Here are five things I hope we can file away as lessons learned.”

“Thousands of Americans will see their health plans cancelled before the November elections in a development that could boost critics of ObamaCare.
The Morning Consult, a Washington-based policy publication, reported that nearly 50,000 people will lose their current health coverage in the coming weeks.
The figure encompasses cancellations announced by insurance departments and providers in Kentucky, Alaska, Tennessee, New Mexico, North Carolina, Maine and Colorado.
The possible political consequences are clear in states like Kentucky, where Senate Minority Leader and leading ObamaCare critic Mitch McConnell (R-Ky.) is defending his seat against Democrat Alison Lundergan Grimes.”

“During the Patient Protection and Affordable Care Act’s first period of open enrollment October 2013 – March 2014, an estimated fourteen million people enrolled for health coverage through the new private insurance Marketplaces (8 million) and through Medicaid (6 million). To facilitate this substantial volume of enrollment and enrollment-related activities, approximately 4,400 Marketplace Assister Programs employing more than 28,000 full time-equivalent staff and volunteers served consumers nationwide. All Assister Programs were expected to help consumers understand their coverage options, apply for financial assistance, and enroll (see Appendix 1). Additional functions undertaken by many assisters included outreach and education; help with post-enrollment questions and problems; assistance with appeals of eligibility determinations; and help applying for other public benefits and services.
The emergence of Marketplace Assister Programs around the country is a significant health policy innovation. The majority of programs that were operational in 2013-14 needed to organize, launch and scale up quickly to be ready for the ACA’s first open enrollment period. Because so many programs were new or substantially expanded their scope during this first year, this period was also characterized by both the need and opportunity for widespread “learning by doing.” Several surveys conducted during or just at the close of 2013-14 Open Enrollment have already begun to assemble valuable data about: consumers’ experiences with assisters; assisters’ self-reported experiences; and best practices and lessons emerging from specific states or assister-related initiatives.1”

“The big story in the Medicare world these days is the slowdown in program spending. Based on our comparison of CBO’s August 2010 and August 2014 baselines, Medicare spending this year will be about $1,200 lower1 per person than was expected in 2010, soon after passage of the Affordable Care Act (ACA), which included reductions in Medicare payments to plans and providers and introduced delivery system reforms that aimed to improve efficiency and reduce costs. By 2019, Medicare spending per person is projected to be more than $2,400 lower per person than was expected following passage of the ACA. Medicare spending projections in CBO’s August 2010 and subsequent baselines take into account the anticipated effects of the ACA, along with other factors that are expected to affect future Medicare spending. So it seems that the ACA may be having a bigger than expected effect, but something else may be going on here too.”