Category Archives: Affordable Care Act

“Risk adjustment” payments

Just when you thought that you could not be confused anymore?   The program, called “risk adjustment,” is a provision of the Affordable Care Act (ACA) that takes effect [..]

Affordable Care Act, Health Insurance rates

Indivual non-subsidized waivers not accepted by Blue Cross

Over the past few months we have been inundated with talk about Health Insurance Exchanges.  On the local level the Commonwealth of Massachusetts did not participate in the [..]

Affordable Care Act, Blue Cross of Massachusetts, Massachsuetts Connector Authority

Section 89 was never enacted

In 1986 Congress passed the Tax Reform Act of 1986, which included Section 89.   It was intended to put a tax cap on health benefits.  The company that [..]

Affordable Care Act, Obamacare

Employer mandate delayed again

Review time. 2013 Groups in Massachusetts with 10 or more employees were subject to the Commonwealth of Massachusetts employer mandate.  This was the last year since the Federal [..]

Affordable Care Act, Employer mandate

Control claim costs to control premiums

Universal health insurance did nothing to control claim costs or thereby premiums.  The only thing that controls premiums is to contains costs!!   Over the past five years the [..]

Affordable Care Act, High Deductible Plans

Buying health insurance is not like Amazon

Fallon Health plans is across the street from my office.  They sell HMO’s with different networks: Direct Select Steward Tiered In addition to the HMO, there is  a [..]

Affordable Care Act, Massachsuetts Connector Authority

Open enrollment period 6 months long?

Affordable Healthcare has a 6 month open enrollment period (October – March).  Typically an open enrollment period is one month, where an employees whether or not they want [..]

Affordable Care Act, Massachsuetts Connector Authority

December 23rd deadline

Keep in mind that the December 23rd deadline to enroll is if you want coverage effective January 1st.  The open enrollment continues through the end of March. You [..]

Affordable Care Act, Obamacare

Massachusetts Connector Authority is down

In Massachusetts we are not participating in the Federal Exchange, instead we have our own exchange that we call the Connector Authority.  We have all heard about the [..]

Affordable Care Act, Massachsuetts Connector Authority

12,000 dollar deductibles?

Over the past couple of days I have heard many people mention 12,000 deductibles for “Bronze” plans through the the Federal Exchange.  I have gone on the site [..]

Affordable Care Act, Massachhusetts Individual penalty, Minimum Credible Coverage