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Insurance Exchange Delays: Should We Be Concerned?

According to the Affordable Care Act (ACA), the state exchanges should be ready on October 1 to begin enrolling people in the exchanges and processing requests for subsides and tax credits to purchase health insurance.  But doubts have been raised about this happening as originally envisioned.   One state, Oregon, has already announced its exchange will […]

Fraudulent Claims on the Health Insurance Exchanges

$10 billion is what we’ll lose in penalties if the Employer Mandate provision of the Affordable Care Act (ACA) is delayed a year according the Congressional Budget Office (CBO).  But that wasn’t the only provision in the law that was recently delayed.  According to the announcement, state health exchanges will not be required to verify […]

Calculating Anew the Cost of the Affordable Care Act

If the public had known the true cost of the Affordable Care Act (ACA), it never would have passed.  Deception and creative accounting masked the true cost of the bill from the beginning.  But now, delaying employer mandates and allowing applications for government health care subsidies to go unchecked will add many more billions to […]

Will the Individual Mandate be Delayed?

Affordable Care Act (ACA) officials surprised everyone when they announced that the employer mandate to provide health benefits for their workers would be delayed until 2015.  Another shocking announcement followed shortly thereafter: The information people give to purchase insurance on the health insurance exchanges, scheduled to be operational October 1, will not be verified.  Immediately, […]

Privacy Issues with the Affordable Care Act

People were shocked and outraged to learn their government has been collecting phone records, accessing Facebook and checking out Internet access searches without their knowledge.   What will they say when they learn hitherto private information including medical histories will be exposed and vulnerable under the Affordable Care Act (ACA) now that it’s beginning its full […]

The IRS as Enforcer of the Affordable Care Act

We’ve assumed that, as a government agency wielding great power over every adult living in this country, the Internal Revenue Service (IRS) would exercise that power impartially and justly.  Recent events have proved us wrong.  Now, through the Affordable Care Act (ACA),  the IRS has been granted even more power over us.  Should we be […]

All You Need to Know About Health Insurance Exchanges

People who know I write a blog on health care are asking me questions about the new health insurance exchanges:  What do they do?  Who will use them?   Why are they important?  Are they important?   Why should I care?  The short answer is they are online market places offering health insurance; and, while they’ll be […]

Real Reasons For High Health Care Costs

The U.S. pays more for health care than every other country in the world.  Some blame the fee-for-service medical payment system for this.   They’re wrong.  Government regulations and a 3rd party payment system are the real culprits.  Instead of making health care more affordable as its name would suggest, the Affordable Care Act (ACA) has […]

Can Doctors Bring Down the Cost of Health Care?

U.S. health care spending last year totaled $2.68 trillion.  That’s 10 times what health care cost in 1980 and  two-and-a-half times per capita more than most developed nations in the world.  Speaking to the American College of Physicians, Ezekiel Emanuel, M.D., well-known health care policy consultant, blamed the fee-for-service payment system for the high cost […]

How Essential are the ACA’s Essential Health Benefits?

The Affordable Care Act’s (ACA) individual mandate requiring everyone to purchase health insurance has gotten all the attention so far; but there are many more ACA mandates on the way.  One was recently announced; and, potentially, it’s just as significant.  After January 1 2014, all individual health plans sold must include 10 required benefits that […]


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