Unbiased Analysis of Today's Healthcare Issues

Calcuating Health Insurance Exchange Plan’s AV

One of the key components of Health Reform (a.k.a. Obamacare, a.k.a. the Affordable Care Act) is the creation of Health Insurance Exchanges. Not any plan can participate in the exchanges however. First, these plans must cover certain Essential Health Benefits (EHB). Second, the plans must meet certain actuarial value (AV) thresholds. Health Plans are grouped […]

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The Teeth of the Individual Mandate

…are not very strong.  Here are the penalties individuals will have to pay if they don’t have insurance: These penalties are not steep. The Kaiser Family Foundation estimates that the cost of a single employer health insurance plan in 2012 was $5,615 and the cost of a family plan was $15,745. This means that in […]

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How does gaining Medicare coverage affect healthcare utlization?

According to an article by Decker, Doshi, Knaup and Polsky (2012), the answer is that Medicare health insurance increases utilization among the uninsured, but the utilization of medical services does not rise to the same level as those who previously had insurance. “Although we do not find statistically significant differences in Medicare expenditures or in […]

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