When Congress was debating the Affordable Care Act (ACA), the debate largely revolved around how many people would gain insurance and how the law would impact the deficit, not about how the law would address existing government policies and programs that largely created the perverse incentives. The ACA created several new perverse incentives, unfortunately.

Regardless of whether there is a President Cruz or a President Rubio in January 2017, regardless of the existence or size of a Republican majority in Congress, the so-called Patient Protection and Affordable Care Act (ACA) has failed. The grand vision of an efficient pseudo-market in health insurance under enlightened federal management — the heart…

Details

For much of this year, Sara Goodrich of Lakeland has gone without health insurance — despite trying over and over again to complete enrollment on HealthCare.gov. “For the last six months, all of the agents have been telling me something else is the issue. Resubmit here, there’s an address error, it’s your birthday, for some…

Details

Last week, the Centers for Medicare and Medicaid Services released the 2016 premium data for the “benchmark” plans in the states using federal exchanges. … This data, which showed premiums rising an average of 7.5 percent, is useful. But it is limited. We’d like to think that this tells us “how much premiums went up,”…

Details

As Marketplace enrollees begin to shop for coverage starting in 2016, the number of insurance choices available to them is changing in some parts of the country. In early 2015, an average of 6.1 insurer groups offered coverage in each state, up from an average of 5.0 in 2014. Since then, some insurers have announced…

Details

Yesterday’s post discussed what we know about Obamacare as its third open enrollment season commences. Here are four major questions about the future of Obamacare that remain unanswered.

Douglas Holtz-Eakin is the president of the American Action Forum and a former director of the Congressional Budget Office. He also served on President George W. Bush’s Council of Economic Advisers. With the Affordable Care Act’s insurance marketplaces beginning their third open enrollment this week, RealClearHealth talked to Holtz-Eakin about what’s working, what’s not working,…

Details

The financial failure of more than half the nonprofit health insurance companies created under the Affordable Care Act has handed Republicans a new weapon in their campaign against the health law, thrown the Obama administration on the defensive once again and left more than a half-million consumers in the cold.

Some observers might question the usefulness of ongoing policy discussion about health insurance coverage for pre-existing conditions. After all, as of January 2014, insurers are barred from excluding such conditions from their policies, even for short periods, by the Patient Protection and Affordable Care Act (ACA). Moreover, insurers are no longer allowed to charge higher-than-average…

Details

Douglas Holtz-Eakin is the president of the American Action Forum and a former director of the Congressional Budget Office. He also served on President George W. Bush’s Council of Economic Advisers. With the Affordable Care Act’s insurance marketplaces beginning their third open enrollment this week, Real Clear Health talked to Holtz-Eakin about what’s working, what’s…

Details