ObamaCare’s impact on health costs.

“If you offer it, will they come? Insurers and some U.S. senators have proposed offering cheaper, skimpier “copper” plans on the health insurance marketplaces to encourage uninsured stragglers to buy. But consumer advocates and some policy experts say that focusing on reducing costs on the front end exposes consumers to unacceptably high out-of-pocket costs if they get sick. The trade-off, they say, may not be worth it.
“It’s a false promise of affordability,” says Sabrina Corlette, project director at Georgetown University’s Center on Health Insurance Reforms. “If you ever have to use the plan, you won’t be able to afford it.””

“The Supreme Court’s decision on contraceptives and employer health plans could affect companies and workers far beyond Hobby Lobby and the other plaintiffs.
But nobody seems to know how far.
The ruling applies to “closely held for-profit corporations,” a small subset of employers, Justice Samuel A. Alito Jr. wrote for the majority. But in a dissenting opinion, Justice Ruth Bader Ginsburg suggests the impact will be far broader.
“Although the court attempts to cabin its language to closely held corporations, its logic extends to corporations of any size, public or private,” she said.”

“Two years ago Saturday, the Supreme Court changed the law that changed an industry.
The Court’s June 28, 2012, decision to uphold the Affordable Care Act—by the slender margin of a single vote—did more than allow the law’s ambitious agenda to proceed. It famously altered the law itself, by allowing states to choose whether or not to opt into Obamacare’s Medicaid expansion.”

“The Obama administration is revamping HealthCare.gov and scrapping significant parts of the federal health-insurance marketplace in an effort to avoid the problems that plagued the site’s launch last fall, according to presentations to health insurers and interviews with government officials and contractors.

But the makeover—and the tight timeline to accomplish it—are raising concerns that consumers could face another rocky rollout this fall when they return to the site to choose health plans. Some key back-end functions,…”

“For Democratic lawmakers who were hesitant to sign onto the sweeping 2010 health care law, one of the most powerful selling points was that the Affordable Care Act would actually reduce the federal budget deficit, despite the additional costs of extending health insurance coverage to the uninsured.
Four years after enactment of what is widely viewed as President Barack Obama’s key legislative achievement, however, it’s unclear whether the health care law is still on track to reduce the deficit or whether it may actually end up adding to the federal debt. In fact, the answer to that question has become something of a mystery.”

“Colorado’s exchange managers have triggered confusion among their own finance committee board members on the eve of a critical vote Monday over future spending and revenues.

Health News Colorado on Thursday reported that board members were concerned that exchange managers had spent $10 million over the past year to sign up about 8,000 people through face-to-face enrollment centers.”

“The board of Connect for Health Colorado will consider Monday whether to begin charging insurance carriers $1.25 a month for each policy on their books to generate more than $13 million for the state health exchange.”

“Colorado health exchange managers spent $10 million over the past year on a statewide assistance network that generated about 8,000 sign-ups for private health insurance.

Board critics pressed managers on the wisdom and sustainability of spending about $1,250 per customer for the face-to-face help centers.”

“Regardless of whether Obamacare is “repealed and replaced” or “fixed”, the future of consumer-driven health care will be defined by how comfortably consumers operate in a market where financial pressures lead them to seek out more affordable, high quality providers—in or out of network. They won’t tolerate being left sick and told to fend for themselves with nothing but their credit cards.”

“Five states that launched health exchanges under the Affordable Care Act expect to spend as much as $240 million to fix their sites or switch to the federal marketplace, a Wall Street Journal analysis shows.”