Rick Young Insurance’s Blog

Health Care Costs Dropping Due to Health Savings Accounts, Not ObamaCare

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Health Care Costs Dropping Due to Health Savings Accounts, Not ObamaCare January 27, 2014 President Obama attributes slowing health care costs to the Affordable Care Act, but the slowdown is actually due to Health Savings Accounts (HSAs), says Peter Ferrara, a senior fellow at the National Center for Policy Analysis. ObamaCare only went into effect … More

Small Business Owners Staying Away From ObamaCare

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Small Business Owners Staying Away From ObamaCare January 27, 2014 There may not be enough demand for ObamaCare’s small business health plan to attract insurers, says BusinessWeek. The Small Business Health Option Plan (SHOP) is an ObamaCare creation intended to insure employees of businesses that have less than 50 workers. The federal government has already … More

The ObamaCare Carnival of Perverse Incentives

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The ObamaCare Carnival of Perverse Incentives Commentary by John C Goodman January 24, 2014 Source: Wall Street Journal With fewer glitches to deter them, millions of Americans are now logging on to the ObamaCare health-insurance-exchange websites. When they get there, many are discovering some unpleasant surprises: The deductibles are higher than what most people are used … More

Can the Poor Afford ObamaCare?

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Can the Poor Afford ObamaCare? January 20, 2014 Antipoverty agencies across the United States are concerned that the poor will not be able to afford ObamaCare’s health insurance, says Stateline. While the Affordable Care Act was presented to the public as being just that — affordable — many are finding that they cannot afford to … More

Small Businesses Weigh Sending Sick Workers to ObamaCare Exchanges

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Small Businesses Weigh Sending Sick Workers to ObamaCare Exchanges January 9, 2014 Can an employer pay chronically ill workers to leave the company health plan and get insurance somewhere else? That’s a question some business owners are asking, now that no one can be turned away from individual health plans under ObamaCare, says BusinessWeek. The … More

It’s Time to Rethink Health Insurance

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It’s Time to Rethink Health Insurance January 8, 2014 Americans need to rethink the way they look at health insurance, say George P. Shultz, Scott W. Atlas and John F. Cogan, senior fellows at Stanford University’s Hoover Institution. Insurance is supposed to be about protecting against risk. In the health care realm, that means unexpected … More

Health Care’s Third-Party Spending Trap

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Health Care’s Third-Party Spending Trap December 17, 2013 Health insurance brings costs up, not down, says Jeffrey Singer, a general surgery doctor and Cato Institute scholar. Many doctors routinely discount medical fees in exchange for direct, up-front payments from patients. Why? Because it can take several months for payments from insurance companies to be collected. … More

An Overview of Medicaid

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An Overview of Medicaid December 17, 2013 Medicaid was considered an afterthought to Medicare, but today more Americans receive health care coverage from Medicaid than from any other program, say Jason Fichtner and John Pulito of the Mercatus Center. State Medicaid participation is technically voluntary, but all states participate, with federal and state governments sharing … More

ObamaCare’s Troubles Are Only Beginning

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ObamaCare’s Troubles Are Only Beginning Be prepared for eligibility, payment and information protection debacles—and longer waits for care. Email Print Save ↓ More 1361 Comments Facebook Twitter Google+ LinkedIn smaller Larger By Michael J. Boskin Dec. 15, 2013 6:24 p.m. ET The White House is claiming that the Healthcare.gov website is mostly fixed, that the … More

Health Insurers Express Worries over Obama Shift on Policy Cancellations

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Health Insurers Express Worries over Obama Shift on Policy Cancellations November 19, 2013 The president’s move to placate millions of Americans rattled health insurers, who said they were unsure how to revive canceled policies in short order, says the Wall Street Journal. While companies had expected the White House to address the white-hot issue of … More