Rick Young Insurance’s Blog

New Poll Shows Americans Are Worried about Health Costs

Category: Our Blog

While President Obama said the economy was in good shape and touted the Affordable Care Act during his State of the Union speech, Americans don’t necessarily think things are so great.  What are Americans most concerned about today?  According to a new Gallup, poll, people see health care costs and low wages as the “most … More

Improve Health Care Competition by Repealing State Laws

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While the Affordable Care Act has introduced a host of new mandates on individuals, employers and insurers, there are a few things that states can do to improve the health care market within their borders.  In a new report from the Mercatus Center, Matthew Mitchell, Anna Mills and Dana Williams offer three reforms that would … More

Health Care Costs Rising? Get a Health Savings Account

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What is happening to health care costs?  According to a new report from the Commonwealth Fund, premium increases are slowing, although premiums themselves are still rising.  Moreover, out-of-pocket costs are up.  Kara Brandeisky of Time.com reports on the numbers: -A decade ago, out-of-pocket health care costs (the costs covered by the individual–basically, premiums plus deductibles) … More

Why does the ACA Defintion of Full-Time Work Matter?

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Congressional Republicans are looking at changing the Affordable Care Act’s definition of full time work.  What exactly would that mean? Currently, the ACA’s employer mandate requires employers who have at least 50 full-time employees to provide their their employees with health insurance–those who are forced to pay a fine.  Under the ACA, full time work … More

2015 Obamacare Enrollees Receiving Higher Subsidies

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Obamacare’s second year of open enrollment began on November 15, 2014.  Enrollment began on November15, 2014.  Enrollment runs through February 15, but those seeking coverage starting January 1 had to apply by mid- December.  What does enrollment look like this year?  Writing the NCPA Health Policy Blog, Senior Fellow John R. Graham analyzes the new … More

Consumers Have Less Choice in ACA Exchanges

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Has the Affordable Care Act brought choice and competition to the American insurance market?  Just the opposite.  Alyene Senger, research associate at the Heritage Foundation, has analyzed the insurance offerings in the 2014 and 2015 Obamacare exchanges.  While choice improved for 2015 compared to 2014, she says, there is still less choice for consumers than … More

How many Americans Will Have to Pay the Individual Mandate Penalty?

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How many Americans Will Have to Pay the Individual Mandate Penalty? December 31, 2014 Obamacare imposes fines on individuals who fail to carry insurance, but this upcoming tax season will be the first time that taxpayers will have to report to the IRS whether they had insurance this year, Fox News reports. The fine for … More

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