Blog

Affordable Care Act enrollment set to open; more options in some places

October 31st, 2018

The open enrollment period for millions of Americans seeking health insurance for 2019 through the Affordable Care Act begins Thursday. The enrollment period allows people who don’t have coverage through a job, Medicare, Medicaid, the Children’s Health Insurance Program or another source to sign up for health insurance on HealthCare.Gov’s Health Insurance Marketplace. The period…Read More

CMS says health insurance premiums down by 1.5 percent under ACA

October 12th, 2018

CMS takes credit for introducing waivers and a reinsurance program for insurers to submit high-cost claims into a risk pool. The Centers for Medicare and Medicaid Services announced today that, for the first time since Affordable Care Act plans began to be offered through the federal exchange, premium rates have decreased. Premium rates for a…Read More

DOJ gives preliminary approval to CVS merger with Aetna, potentially changing how consumers access health care

October 11th, 2018

The Justice Department has given preliminary approval for CVS’ $69 billion merger with Aetna. The two companies cleared their path to approval when Aetna announced Sept. 27 that it reached an agreement to sell its Medicare Part D drug plan business. The DOJ recently cleared health insurer Cigna’s acquisition of pharmacy benefits manager Express Scripts.The…Read More

LTC Benefits Creep Into 2019 Medicare Advantage Plans

October 9th, 2018

Medicare Advantage plan issuers seem to be taking a quiet, careful approach to adding home- and community-based long-term care (LTC) benefits for 2019. About 1.5 million of the 2019 enrollees, or 7.5% of Medicare Advantage plan enrollees, may have access either to support services in the home or community, or to extra benefits designed to help enrollees cope…Read More

Without Trump and GOP, ObamaCare premiums would fall

August 3rd, 2018

ObamaCare premiums would likely be decreasing next year if the Trump administration and congressional Republicans had left the law alone, according to a new study. The analysis from Matt Fiedler at the Brookings Institute found premiums would be 4.3 percent lower in a “stable policy environment” — meaning certain ObamaCare rules like the individual mandate were still in place,…Read More

Medicare Part D premiums on two year decline with projected drop in 2019, CMS says

August 1st, 2018

According to the Centers for Medicare & Medicaid Services, the average basic premium for a Medicare Part D prescription drug plan is slated to drop again in 2019. Basic Part D premiums are forecasted to fall from $33.59 this year to $32.50 next year, the agency said. “President Trump and Secretary Azar have made clear…Read More

Trump administration to allow renewable, short-term insurance that lasts up to a year

August 1st, 2018

The Trump administration will finalize a rule on Wednesday that expands access to health insurance policies that skirt many of the Affordable Care Act’s regulations. The rule would allow people to buy short-term, limited-duration health coverage that lasts up to 12 months and renew that coverage for a maximum period of 36 months. Insurers can…Read More

National Flood Insurance Program(NFIP) follow up

July 31st, 2018

  NFIP Extended until November 30, 2018 Today Congress approved an extension of the National Flood Insurance Program (NFIP) which was set to expire on July 31. This latest program extension ensures that the program will continue to operate with full authority until November 30, 2018. From now until November 30, 2018, Congress will work to reach consensus to pass a…Read More

National Flood Insurance Program (NFIP)

July 30th, 2018

The National Flood Insurance Program (NFIP) is set to expire at the end of the day on Tuesday, July 31, 2018. While the Senate is working to reauthorize the NFIP until November 30, 2018, there is potential for a short program lapse. In anticipation of this, FEMA issued direction on hiatus protocol with Bulletin W-17069. The bulletin provides…Read More

How Telemedicine Is Redefining Healthcare Risk

July 27th, 2018

Telemedicine, which usually involves a doctor or other medical professional providing care to a patient via video conferencing, is rapidly gaining acceptance. The implications of this development are many, not the least of which is the pressure on risk managers to identify telemedicine-related exposures and devise a strategy for mitigating them. The following Q&A will…Read More

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