oooooo oooooo meeeee meeee.........I'm fingerprinted already
California exchange: Worker checks slow service center start | LifeHealthPro
California exchange: Worker checks slow service center start | LifeHealthPro
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Kaiser's Obamacare rates surprise analysts - latimes.com
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"Kaiser is not as low cost as many people think," said Glenn Melnick, a USC health policy professor. "They appear to be protecting themselves because the people signing up in the first year are likely to be the sickest ones."
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how could I get a job as a health policy professor
I could see why first year enrollment will lean heavily toward adverse selection
1 - People who have been declined coverage for health conditions will now sign up (however, probably not on the cheapest plan with the skinniest network)
2 - Previously uninsured people with pent-up demand will submit claims early in the process.
3 - Highly subsidized folks with Premium subsidies and Cost Sharing Reduction (CSR) subsidies will overutilize
4 - Businesses with higher rates now due to a rate load for medical conditions in the group will drop their group plans early, but businesses with lower rates now will delay PPACA implementation as far into 2014 as they can.
That front-loads the adverse selection quite a bit.
Do not forget states that HAD high risk pools that are now closed and PCIP being closed. Inside the exchange first year could be a not so pretty pool of risk...
And those rates will be an interesting conversation topic right before the elections in 2015, to go along with the tax bills that people and businesses will receive.
And those rates will be an interesting conversation topic right before the elections in 2015, to go along with the tax bills that people and businesses will receive.