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Questions about the Patient Protection and Affordable Care Act, the 2010 reform of the US healthcare system, also nicknamed "Obamacare".

0 votes
1 answer
146 views

What are the ramifications of eliminating the MLR requirement in ACA

The House and Senate bills for healthcare reform would eliminate the Federal requirement that insurance carriers pay out (for actual clinical care) at least 80 cents for every premium dollar collected …
BobE's user avatar
  • 10.5k
2 votes
5 answers
338 views

Why are US politicians concerned that some US counties may only have 1 insurer choice in 2018

US Health & Human Services announced that some 2.5 million current ACA exchange enrollees will (or may) find that they have only 1 choice of insurer in 2018. https://www.cms.gov/CCIIO/Programs-and-Ini …
BobE's user avatar
  • 10.5k
1 vote
2 answers
298 views

Why are insurers dropping out of the ACA exchange?

According to Kaiser Family Foundation (as of Aug 4, 2017) 17 counties are at risk of having no insurers for the ACA exchange for 2018. For background/context: That would impact 9,600 current enrollee …
BobE's user avatar
  • 10.5k
3 votes
1 answer
130 views

Are there any states in US that allow healthcare premiums to increase without limit?

My understanding is that most states have an insurance commission that (among other things) is tasked with approving health insurance premiums in that state. In answer to a previous question, the res …
BobE's user avatar
  • 10.5k
0 votes
1 answer
130 views

Can someone explain how the healthcare Medical Loss Ratio (MLR) testing is applied to health...

(with respect to healthcare insurance and specifically to individual market policies) I already know (generally) how the Medical Loss Ratio (MLR) is calculated, what I'm specifically interested in is …
BobE's user avatar
  • 10.5k
6 votes
1 answer
162 views

By what process can the President prevent the Treasury from paying out subsidy checks to com...

Background: In general, as I understand it, the US Treasury is currently making monthly subsidy payments to commercial insurers to the benefit of each qualified ACA marketplace enrollee. Would cessa …
BobE's user avatar
  • 10.5k
13 votes
5 answers
1k views

Why do Americans (US) want to keep their employee-based healthcare insurance?

The generalized argument against some sort of Medicare for All (M4A) is that Americans really like the employer based health insurance (EBHI). That approximately 150 million workers are enrolled in EB …
BobE's user avatar
  • 10.5k