Category: Health Care Reform

Looking Back a Decade on Two Landmark Healthcare Events

March 19th, 2020

“Too many [employers], though, take a surprisingly cavalier attitude toward their medical spend. In many cases, the cost of medical care is one of a company’s top three or four expenses. But whereas managers scrutinize the purchase of new equipment and raw materials, the cost to rent or own and upgrade their facilities, and employee.. Read more

Democrats Debate Medicare-Based Reform Proposals

February 6th, 2020

“The growing premium differential between Medicare and private insurance would prompt more people eligible for the Public Option or Medicare Buy-in to enroll in Medicare. That would off another round of disproportionately higher private premiums, which would exacerbate the problem. In the insurance industry, we call this phenomenon the death spiral.”  William G. (Bill) Stuart.. Read more

Uberize My Medical Care, Please

October 17th, 2019

My doctor replied, “Don’t worry about cost. Insurance pays for it.” I responded, “Not exactly. First, I have a deductible that I haven’t satisfied, so I’ll be paying. Second, insurers don’t pay claims. Insurers write checks. My employer and I pay for all services, whether directly through my deducible or next year through premium increases.”.. Read more

Sorting through Reform Proposals

August 8th, 2019

“The leading Medicare for All bills in the House and Senate phases out all private coverage within four years. Many debate participants eagerly raised their hands when asked in a debate whether their vision is a program that eliminate private insurers. That’s a big deal, since private insurers cover more than 200 million Americans.” William.. Read more

Exploring the ICHRA, Part I

June 27th, 2019

  “But what happens when the company no longer sponsors insurance, but rather provides a stipend? Employees need to know where to go to find coverage.”  William G. (Bill) Stuart Director of Strategy and Compliance June 28, 2019 Earlier this month, the Trump administration issued guidance establishing two new HRAs – the Individual Coverage HRA.. Read more

Topics on the Hill

April 4th, 2019

“Unions (an important part of the Democrat base) and businesses (which lean Republican) both have opposed the tax because it reduces their value proposition to employees and limits their flexibility in offering benefits.” William G. (Bill) Stuart Director of Strategy and Compliance April 4, 2019 I’m in meetings on Capitol Hill today, hearing from Republicans.. Read more

The Latest Challenge to the ACA

January 24th, 2019

“Judge O’Connor . . . ruled the ACA unconstitutional because a tax that raises revenue is no tax, the text of the ACA doesn’t include a severability clause, and even proponents of the law have long argued that the mandate, guaranteed issue, and community rating together are integral to the successful operation of insurance markets.”.. Read more

Welcome the 116th Congress

January 10th, 2019

“Probably the best solution for the country would be . . . bipartisan legislation that loosens the federal grip on benefit design, increases choices, covers more Americans, gives states meaningful incentives to manage their Medicaid populations, and attacks the true drivers of medical costs.” William G. (Bill) Stuart Director of Strategy and Compliance Jan. 10,.. Read more

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