Rick Young Insurance’s Blog

Enrollees Have Difficulty Accessing Care Under the Affordable Care Act

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The Affordable Care Act incentivized states to expand their Medicaid programs to adults earning up to 138 percent of the poverty level, and many have done so; by 2015, the Congressional Budget Office expects an additional 11 million Americans to be enrolled in Medicaid. But enrollment in a health insurance program is no guarantee of … More

Another Lawsuit Challenging Obamacare

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Among the many lawsuits challenging Obamacare is Coons v. Lew, a case contending the Independent Payment Advisory Board (IPAB) — a creation of the Affordable Care Act — is unconstitutional. IPAB is a 15-person board whose job is to make recommendations to keep Medicare costs down. Senator Tom Coburn (R-Okla.) and Congressman Phil Roe (R-Tenn.) … More

How Do 2015 Premiums Compare to 2014?

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How Do 2015 Premiums Compare to 2014? December 5, 2014 The Obama administration contended that the Affordable Care Act would send health insurance costs down, but premiums initially increased up to 50 percent for some insurance plans last year. The administration also promised that the ACA would keep year-to-year premium increases below typical levels. Is … More

Is Obamacare Really Causing Health Spending Slowdown?

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November 10, 2014 Last week, President Obama bragged that health care inflation has fallen each year since the passage of the Affordable Care Act, calling it the lowest increase in health care costs over five decades. But has the Affordable Care Act actually reduced the growth of health care costs? Glenn Kessler at the Washington … More

Insurance Premiums Up 78 Percent for Some

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November 3, 2014 A new report from online insurance broker HealthPocket shows that average health insurance premiums have increased dramatically. The report, which looked at single, nonsmoking men and women without children, analyzed three different age groups: 23, 30 and 63. It assessed health insurance prices prior to the implementation of Obamacare and after its … More

Exchange Plans a Bad Deal for Doctors

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Exchange Plans a Bad Deal for Doctors October 30, 2014 A number of doctors are choosing not to participate in Obamacare exchange health plans in the upcoming year. According to the medical practice trade group Medical Group Management Association, 214,524 physicians will not be participating in any Affordable Care Act Exchange. Why are doctors unwilling … More

How Do Health Savings Accounts Work Under Obamacare?

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Health savings Accounts (HSAs) are savings accounts that allow the holder to deposit money, tax free, into an account whose funds are intended to be used for medical expenses. HSAs are tonly available to Americans who have a high-deductible health plan (which , in 2014, meant a deductible of $1,250). Enrollees can make deposits into … More

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http://www.ncpa.org/sub/dpd/index.php?Article_ID=24944 Economist Casey Mulligan has published a new report for the Mercatus Center highlighting how the Affordable Care Act changes the incentives of employers and employees and pushes many to part-time work. Mulligan points out three ACA provisions that will change the nature of the typical workweek: The law imposes a penalty on large employers … More

The magic of referrals

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Globalization and technology have made the world seem larger and more impersonal than ever. But somehow people still manage to connect with one another. And they still talk — especially before spending money. Most buyers start out by conducting research. But when it’s time to narrow down the options, where do they turn? Whether they’re in the market for … More

Feds Lack the Data to Determine How Well Key Obamacare Provisions Are Working

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Feds Lack the Data to Determine How Well Key Obamacare Provisions Are Working http://www.ncpa.org/sub/dpd/index.php?Article_ID=24886 September 24, 2014 Federal health insurance officials can’t tell Congress how much the government has spent since 2010 selling Obamacare to a key segment of the market, according to the Government Accountability Office. The accounting system used by the Center for … More