Menu Close

Blog

Health Care Reform And The Elections

Health reform has been a central component of two consecutive election cycles. Republicans were able to give Democrats a “shellacking” in 2010, winning over seats on the premise of repealing PPACA, while the 2012 election served to rebalance and further entrench both parties into their healthcare positions. During these two elections, candidates from both parties have debated ad nauseam over the benefits and pitfalls of the law based largely on hypothetical, projected or simply ideological partisan talking points. However, this election will be the first to have real, concrete examples, which both parties will attempt to use in making their case as health reform continues its implementation.

Since the passage of the PPACA, House Republicans have voted more than forty times to repeal the law. Meanwhile, Democrats have dug their heels in advocating that the law will take time to implement and soon enough everyone will realize the benefits. This election, more so than the 2010 midterms, could be a referendum on the law. Voters will have had the chance to learn how health reform impacts them personally, be it through premium increases, availability of subsidies, narrowed networks or the law’s consumer protections, such as the elimination of pre-ex and guaranteed issue. Unlike in 2010, when the election was still about the hypotheticals of the law, this time it’s real.

The results of the 2014 midterms will have considerable policy effect on how health reform moves forward, both at the federal and the state levels. Federally, a divided Congress with the Senate controlled by Democrats and the House controlled by Republicans, has stalled most efforts to bring meaningful reform to the law since its passage. But should the Senate flip to Republican control, the Administration will have a much more difficult time shutting down congressional opposition. At the state-level, many governors first elected in 2010 on the basis of their opposition to the law will face their first re-elections. Many of these have been loyal to the opposition to the point of refusing to implement any component of PPACA that they are able to control, from defaulting to federally facilitated marketplaces or refusing the Medicaid expansion. For the first time, voters will have a say in whether they want to continue this opposition or move towards a greater expansion of the law.

How Businesses Are Handling New Health Insurance Regulations

Details about enrollment in the Affordable Care Act-created health exchanges have hogged headlines for months.
But a majority of working Americans buy their health insurance policies through an employer. Mercer, a research and consulting firm, surveyed hundreds of businesses after their open enrollment seasons ended to dig up some details about what’s happening with employer-sponsored health plans this year.

The survey included responses from 723 businesses ranging in size from fewer than 500 employees to more than 5,000 employees. The survey was conducted in January and Mercer’s report was released Wednesday.

Among the most significant findings was that many employers took advantage of a delay to a key rule in the Affordable Care Act. Beginning in 2014, employers were supposed to begin offering insurance to employees who work at least 30 hours a week. The federal government delayed the provision until 2015. Mercer’s study showed that about 40 percent of respondents needed to update their policies to comply with this new rule, but that only 10 percent of them made the change in 2015. Just about 60 percent of respondents said they were already in compliance with the regulation before 2014.

Read the full report here.

Contact Steven Cosby with questions or to request more information and to schedule a healthcare plan evaluation, savings analysis or group plan solution for your company.

[contact-form subject=’Website inquiry’][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Company Name’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’ required=’1’/][/contact-form]

Number of Americans Saying ACA Has Hurt Them Inches Up

Stark contrast along party lines on whether the law has helped or hurt

Although several parts of the Affordable Care Act have yet to be implemented, 23% of Americans say the healthcare law has hurt them or their families, while 10% say it has helped them so far. Still, the majority of Americans (63%) feel the law has had no impact on them or their families.

This update is from Gallup polling conducted between Feb. 28 and March 2, just prior to the Obama administration’s announcement this week that insurance companies will be able to delay until next year the requirement that they cancel or replace policies that don’t conform to the provisions of the law often referred to as “Obamacare.”

The 23% who feel the law has hurt them is the highest percentage for the question since Gallup began asking Americans about it in 2012, and is up from 19% in previous polling.

Read the full report here.

Contact Steven Cosby with questions or to request more information and to schedule a healthcare plan evaluation, savings analysis or group plan solution for your company.

[contact-form subject=’Website inquiry’][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Company Name’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’ required=’1’/][/contact-form]

NAHU: Washington Update [Breaking News]

Please see below for highlights from the Washington Update. You can click here to read the full edition of last week’s Washington Update.

  • Just in… The CMS has decided to nix the proposed rule on the Medicare prescription drug program. The administration said it will move forward with the proposals on consumer protections, anti-fraud, and transparency, while shelving the prescription drug changes. The letter from CMS is attached. To read more about the background on this issue, click here
  • Thank you to everyone for their dedication on the Carney/Dent letter to HHS/CMS for the technical fixes. With your help, the letter was able to pick up 75 co-signers spanning the political spectrum that helps demonstrate that the fixes are not ideological but are critical and immediate needs. The final letter is attached.
  • The Treasury Department released the final rules of the Employer Reporting Requirements (Sections 6055/6056). Information should begin to be collected next January and reporting will begin in 2016. Read more about the rule and see a side-by-side analysis here.
  • Gary Cohen, the head of CCIIO at CMS/HHS has announced he will be leaving the agency at the end of the month. Mandy Cohen (unrelated) will be serving as acting director of CCIIO until a permanent successor is named. Mandy Cohen is currently the acting director of the consumer support group at CCIIO.
  • The Obama administration announced that people who had plans that were to be cancelled this year will now be able to keep them into 2017, contingent on each state and insurers offering the policies. This is a further extension of the cancelled plan extension that was announced last November, for non-ACA compliance plans set to expire last December. This applies for both Individual and Small Group plans. Read more about it here.

Contact Steven Cosby with questions or to request more information and to schedule a healthcare plan evaluation, savings analysis or group plan solution for your company.

[contact-form subject=’Website inquiry’][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Company Name’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’ required=’1’/][/contact-form]

An American Solution: Health Reform for Today’s World

Americans desire a health care system that delivers world-class care and financial security.  This system should be  accessible and affordable, and it should have a positive impact on the nation’s economy.  Successful health care reform will maximize consumer choice, restrain skyrocketing medical care costs and increase access to health care for more  Americans.

The National Association of Health Underwriters (NAHU) has consistently supported positive reform that achieves the objectives of affordability and  accessibility.  The NAHU has also consistently urged Congress to build upon our existing system’s strengths to achieve  workable health reform solutions in a bipartisan manner.

The NAHU’s “An American Solution” plan is a comprehensive approach to meeting this challenge, and a yardstick for evaluating other proposals.

Read the full report and plan here.

Contact Steven Cosby with questions or to request more information and to schedule a healthcare plan evaluation, savings analysis or group plan solution for your company.

[contact-form subject=’Website inquiry’][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Company Name’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’ required=’1’/][/contact-form]