Rick Young Insurance’s Blog

Study: 40% of ACA Silver Plans Have Narrow Networks.

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The Washington Post reports the 40 percent of “silver” plans sold on the ACA exchanges “sold on insurance exchanges offer consumers only a limited choice of doctors, in some cases less then 10 percent of physicians practicing in the area, according to research released Wednesday” by the Robert Wood Johnson Foundations. These narrow network plans … More

Many Uninsured Americans Forgo Coverage by Choice, Puzzling ACA Supporters

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In a front page story, the Wall Street Journal profiles several Americans who, despite the availability of affordable health insurance under the ACA, prefer to remain uninsured and get medical care through cash, barter, and charity. According to the Journal, the health law’s supporters are at a loss to explain why up to 45 percent … More

Supreme Court Upholds Obamacare Subsidies by 6-3 Vote

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Obamacare has survived — again. In a major win for the Obama administration, the Supreme Court held in a 6-3 decision that the Affordable Care Act authorized federal tax credits for eligible Americans living not only in states with their own exchanges but also in the 34 states with federal exchanges. Chief Justice John Roberts … More

Shrink Obamacare’s Costs by Removing Rule Driving up Young People’s Premiums

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The decision on King v. Burwell will determine whether tax credits being paid in 34 states without their own exchanges are legal. If the Supreme Court makes the administration follow the letter of the law, billions of dollars of federal tax credits will continue to flow to 16 states, but not the rest. This will … More

What Are Unfunded Mandates Costing the States?

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Since President Obama took office, his regulators have added $35 billion in unfunded regulatory costs and at least 75 million paperwork burden hours on state and local governments. Regulation of industries or businesses tends to receive a majority of the coverage, but the mandates placed on cash-strapped states and local governments can result in far … More

Millions of People Still Unable to Afford Health Care

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While the Affordable Care Act has succeeded in slicing down the uninsured rate to historic lows, many Americans still cannot afford health coverage and are delaying medical treatment. many of these people rely heavily on community health centers — exclusively designed for uninsured people and those with coverage through Medicaid. The federal government undsd the … More

King v. Burwell: How Important is Obamacare’s Individual Mandate?

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Later this month, the Supreme Court will likely announce its decision on King v. Burwell, the lawsuit which asserts tax credits currently being paid to health insurers in 34 to 37 states that use the federal health insurance exchange are illegal. Now that both chambers of Congress have Republican majorities, any legislative response will surely … More

Many Congressional Republicans Opposing Obamacare Have a Conflict of Interest

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Congress may soon have the opportunity to amend the Affordable Care Act (ACA), says NCPA senior fellow John R. Graham. The grounds would be a Supreme Court decision in King v. Burwell, a case, which seeks to make the Obama Administration enforce the ACA as written. The main point in question in King v. Burwell is the … More

Obamacare’s Hard Hitting Overhead Costs

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Five years after the passage of ObamaCare, there is one expense that is still causing sticker shock across the healthcare industry: overhead costs. The administrative costs for healthcare plans are expected to explode by more than a quarter of a trillion dollars over the next decade. The $270 billion in new costs, for both private … More