In CHIRblog’s April installment of What We’re Reading, CHIR’s Olivia Hoppe digs into reports that highlight 2018 Affordable Care Act enrollment outcomes and policies that will affect 2019, the risks of short-term health plans, the impact of the ACA’s marketplaces on individuals with chronic health conditions, and the rising prevalence of health savings accounts and high-deductible health plans. Continue reading
With the close of Open Enrollment for federally run marketplaces last week, preliminary reports suggest this year’s total sign-ups will be fewer than prior years. The Administration also recently released data that calls into question the value of Navigators, noting that they accounted for less than 1 percent of customers who were signed up by federally funded navigator organizations in 2016. CHIR’s Olivia Hoppe explains how these data fail to tell the whole story. Continue reading
Leaving a job comes with many challenges, not the least of which is securing new health insurance. The Consolidated Omnibus Budget Reconciliation Act (COBRA) offers employees continued coverage on their job-based plan, but losing the employer subsidies could cause some to turn to the individual market to find lower premiums. With a Senate bill under consideration that reduces federal subsidies and strips away vital consumer protections, anyone leaving employer coverage will have to make a decision today about joining an insurance market that could look vastly different six months from now. On her last day at Georgetown, CHIR’s Rachel Schwab reflects on options for coverage after leaving a job-based plan. Continue reading
Job-based plans cover 150 million people in the U.S. If the ACA is repealed, they stand to lose critical consumer protections that many have come to expect of their employer plan.
A graph has been making the rounds on the internet comparing cumulative increases in deductibles since 2011 to growth in inflation, worker earnings and health insurance premiums since it was posted as part of a Wall Street Journal blog. But the graph only tells part of the story – the part that occurred after 2011. The story of increasing deductibles in employer based health insurance is a story that is over a decade in the making.