WIB What Are Health Insurance Exchanges

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Douglas Anderson

Salud y medicina Economía y finanzas Empresariales

What Are Health
Insurance
Exchanges?
Douglas E. Anderson
ander2de@cmich.edu

http://tophealthexchange.com/statebasics.php

It looks easier said than done.
http://www.zanebenefits.com/blog/bid/285829/Oregon-Health-Insurance-
Exchange-Guide

An overview of health insurance exchanges can be found at
http://healtheconomists.blogspot.com/2012/05/health-exchanges-101.html
and
http://obamacarefacts.com/obamacare-health-insurance-exchange.php

30 Million Newly-insured Under The Affordable Care
Act: Who Are They?
Http://Www.Pwc.Com/Us/En/Health-industries/Publications

State Progress Towards Exchange Development
Http://Www.Pwc.Com/Us/En/Health-
industries/Publications/Health-insurance-exchanges-
and-medicaid-expansion.Jhtml

http://www.ideastream.org/news/feature/
47078

How will this get verified? And, where are the areas for
incentives, such as tobacco use status?

Making it happen will not be easy. It will require intense social
marketing, outreach, education, and promotion for all
demographic groups and locations.
http://www.ahipcoverage.com/2013/06/24/chart-of-the-day-
health-insurance-exchanges/

It looks easy, but it is not. Here is one state's approach
http://vermont-ahs-dvha.blogspot.com/2012_03_01_archive.html

make the health insurance exchange user
friendly?
http://blogs.denverpost.com/health/2013/01/1
4/colorado-health-insurance-exchange-user-
friendly/2491/

In 2017 approximately 18% of the American public will purchase insurance through
exchanges, radically transforming the health insurance landscape
http://www.accenture.com/us-en/Pages/insight-public-vs-private-hix-annual-enrollment-
chart.aspx

http://www.idahopress.com/health/will-local-politics-spoil-the-health-insurance-exchange/article_81bd1b30-fa3d-11e1-80fb-0019bb2963f4.html

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Political Parties in Texas/Party Platform Both parties develop party platforms. These platforms may sound great but often do not go into the details needed to effect the actual policy. We will look at one policy position, health and examine the developments since this platform was written in 2012. Start with the descriptions of Health Care from the respective parties on page 147. Your book states the Democratic parties support universal healthcare plan as permitted under the Affordable Care Act. Your book states that the Republicans believe that health care decision should be between a patient and health care professionals and should be protected from government intrusion. It also states that the Republican Party demands the immediate repeal of the patient Protection and Affordable Care Act but does not state the replacement of the particular health care policy. Background information: An alternative to universal care through the Affordable Care Act are Health Savings Accounts (HSAs). Proponents of Health Savings Accounts believe it encourages people to be value-conscious shoppers in the health care marketplace. For example, a 2012 study from the Rand Corporation, a policy research institute, found that families with consumer-directed health coverage, like HSA plans, spent an average of 21 percent less the first year after switching from traditional coverage. And that if half of those with employer-sponsored coverage were in such plans, health care costs would fall by $57 billion. Defenders of ObamaCare—including New York Times economist Paul Krugman—do not believe people can make value-conscious health care decisions. Their preferred option is to insulate patients from almost all costs of care—otherwise known as national health insurance— and then control costs by imposing price controls. ObamaCare doesn’t get them all the way there, but it’s a big step in that direction. However, if individuals and businesses have access to HSA plans, that might help offset the health care spending explosion that ObamaCare creates. Even now health insurers are warning of quickly rising premiums under ObamaCare. So HSA plans may be the only “affordable” option. The real question is whether health insurers will offer HSA options at a reasonable price. One of the dirty little secrets is that health insurers offer an HSA plan, but price it so high that the more expensive, comprehensive coverage looks like a better deal. The insurance companies approved of ObamaCare in exchange for the anticipated extra patients signing up. This however, does nothing to decrease the cost or increase the ability of the individual to make decisions outside of the insurance company. Recently we have seen the insurance companies asking to be bailed out because not enough younger people have signed up to compensate for the elderly on the plan. In fact ,both Aetna and United Health Care have threatened to pull out of the health market in 2016/2017. 2016: What's Next for.

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Health insurance exchanges will significantly impact the healthcare entities and more so the payers. Payers will have to align with the change in focus from B2B model to B2C model and this entails payers to focus on various aspects to succeed. Article outlines key success factors which payers will have to factor in to tide over the changing fundamentals of U.S. healthcare due to the shift towards retail healthcare.

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1. What Are Health Insurance Exchanges? Douglas E. Anderson ander2de@cmich.edu

2. http://tophealthexchange.com/statebasics.php

3. It looks easier said than done. http://www.zanebenefits.com/blog/bid/285829/Oregon-Health-Insurance- Exchange-Guide

4. An overview of health insurance exchanges can be found at http://healtheconomists.blogspot.com/2012/05/health-exchanges-101.html and http://obamacarefacts.com/obamacare-health-insurance-exchange.php

5.

6.

7. 30 Million Newly-insured Under The Affordable Care Act: Who Are They? Http://Www.Pwc.Com/Us/En/Health-industries/Publications

8. State Progress Towards Exchange Development Http://Www.Pwc.Com/Us/En/Health- industries/Publications/Health-insurance-exchanges- and-medicaid-expansion.Jhtml

9.

10. http://www.ideastream.org/news/feature/ 47078

11. How will this get verified? And, where are the areas for incentives, such as tobacco use status?

12. Making it happen will not be easy. It will require intense social marketing, outreach, education, and promotion for all demographic groups and locations. http://www.ahipcoverage.com/2013/06/24/chart-of-the-day- health-insurance-exchanges/

13. It looks easy, but it is not. Here is one state's approach http://vermont-ahs-dvha.blogspot.com/2012_03_01_archive.html

14. make the health insurance exchange user friendly? http://blogs.denverpost.com/health/2013/01/1 4/colorado-health-insurance-exchange-user- friendly/2491/

15. In 2017 approximately 18% of the American public will purchase insurance through exchanges, radically transforming the health insurance landscape http://www.accenture.com/us-en/Pages/insight-public-vs-private-hix-annual-enrollment- chart.aspx

16. http://www.idahopress.com/health/will-local-politics-spoil-the-health-insurance-exchange/article_81bd1b30-fa3d-11e1-80fb-0019bb2963f4.html