Posts for Private Insurance and Health Insurance Marketplaces

The ACA: Saving Consumers’ Premium Dollars Once Again

Hot off the heels of $1.1 billion in rebates from insurance companies that failed to meet the medical loss ratio (MLR) standard, the ACA is again saving money for consumers. The Department of Health and Human Services (HHS) just released a new report that

NAIC August Meeting: A Few Fireworks at a Mostly Humdrum Meeting

Guest Blog The National Association of Insurance Commissioners (NAIC) held its annual summer meeting in Atlanta this past weekend. The meeting was striking more for what was not accomplished than for what was. State health insurance commissioners have an

HHS pushing ahead on EHB

In a notably quick turnaround, Health and Human Services (HHS) issued a final rule on what data insurers must provide regarding the essential health benefits (EHB) potential benchmark plans. As a reminder, the EHB is the standard benefit package that must

The checks are in the mail – but for once they’re coming from insurers & going to consumers

When was the last time your insurance company wrote you a check? Thanks to the Affordable Care Act (ACA), millions of Americans are beginning to enjoy that very rare – and very satisfying – experience. Rebates totaling more than $1.1 billion are on the wa

Keep talking up the medical loss ratio!

Thanks to the Affordable Care Act, consumers have greater protections when buying health insurance. The new medical loss ratio (MLR) rule requires that health insurance companies must spend at least 80 percent of premiums on medical care and quality impro

Contraception Coverage: A Compromise That Protects Women

In the immortal words of “Say Anything’s” Lloyd Dobler, “I gave her my heart, she gave me a pen.” We were worried women were going to get pens this Valentine’s Day instead of a key improvement to health care they are set to receive under the Affordable Ca

Some Year-End Cheer

Many of us in the advocacy world have been quick to point out examples of things we’d rather re-gift this season. But, as the days start to get longer, it’s worth acknowledging a big win for consumers in 2011 – the preservation of the medical loss ratio

The Essential Health Benefits Bulletin: Happy Holidays?

Last Friday, the United States Department of Health and Human Services (HHS) released a bulletin, sub-regulatory guidance, on the essential health benefits (EHB) package. This highly anticipated guidance was a bit of a letdown—kind of like the ugly reinde

NAIC Commissioner’s Fall Back on Medical Loss Ratio

You know that expression, “Fool me once, shame on you. Fool me twice, shame on me”? Well, it came to mind this past week at the National Association of Insurance Commissioner’s (NAIC) fall meeting in Washington, DC. Just as in March, during the NAIC’s spr
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