A project of the Galen Institute
Much has been said about the formularies, cost-sharing, and patient burden required of enrollees on the ACA health insurance exchanges. Deductibles averaged nearly $3,000 for silver plans on the exchanges, and cost-sharing for specialty drugs can often reach 40 percent or higher. None of this is new, and this is a trend going on outside of the exchanges, in the employer-sponsored market as well. According to the Kaiser Family Foundation, employer plans now have deductibles averaging over $1,000 and a small, but growing share of plans use coinsurance rather than copays even for physician visits. Fundamentally, this means that patients are more involved in their health care decision-making.
Many Americans who bought health insurance through exchanges operated by states or the federal government have a good understanding of how their plan works, but also are afraid they can't afford medical services, according to research published Monday by the Deloitte Center for Health Solutions.
The New York Times
WASHINGTON — Hoping to avoid another political uproar over the Affordable Care Act, the Obama administration is trying to persuade states to cut back big rate increases requested by many health insurance companies for 2016.
ObamaCare enrollees are less satisfied with their plans than people with other types of health insurance, according to a new poll.
The poll from the Deloitte Center for Health Solutions, the research arm of the consulting firm, finds that 30 percent of people with insurance through ObamaCare’s marketplaces are satisfied with their plans.
Unless conservatives change their strategy soon, history is likely to record them as the unintended enablers of Obamacare’s expansion. Yet another key moment for a turn toward free-market reform is upon us. Will congressional Republicans again pursue a strategy that sounds serious but results in Obamacare’s unimpeded implementation? Or will they try to actually impede the law in real time and make clear to the American people which party is on their side as we approach 2016?
The Washington Examiner
During the legislative debate over the passage of President Obama's healthcare law, supporters of the program were sensitive to any suggestion that it represented a government takeover of the healthcare system.
The IRS is penalizing universities for providing healthcare to student employees, and it’s hurting the very people the Affordable Care Act was supposed to help.
In June Forbes reported that under new IRS regulations, starting in July 2015, small businesses and universities that reimburse employees healthcare premiums or pay their health costs directly will be fined up to $36,500 a year per employee. A penalty that is 18 times greater than the $2000.00 employer mandate.
When the ACA networks began covering patients in 2014, one of the first complaints was that many plans were trying to cut costs by including many fewer providers in their networks than pre-ACA health plans. In some cases, patients even had to cancel previously scheduled surgeries and lost access to prescription drugs, since the surgeons and/or the hospitals were not in their new networks. Now, a study by the health consulting firm Avalere confirms that these were not isolated cases – on average, exchange plans include a 34 percent fewer in-network providers than non-exchange plans (such as employer-sponsored plans), with even larger shortcomings in specialties like oncology and cardiology.
Senate Majority Leader Mitch McConnell championed a renewed push to bypass a filibuster and repeal Obamacare with 51 votes on Tuesday, he announced in a joint statement with Utah Senator Mike Lee, one of the most conservative Republicans in the chamber.
After weeks of hemming and hawing on how they're going to use reconciliation, Senate Republicans finally committed on Tuesday to using the budgetary tool to fully repeal Obamacare.
But it's what Majority Leader Mitch McConnell did not say in a statement released in conjunction with Sen. Mike Lee that leaves room for things to get interesting: He did not say reconciliation would only be used for a repeal of the Affordable Care Act.