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health insurance

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Posted by Andy Adams on October 2, 2014 - 11:30am
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From the Houston Chronicle:  “Our whole industry believes this is the next big change, and like any change, there will be winners and losers from an industry standpoint,” he told me. “But this is a net win for small-business owners — they’re not going to make this change because they are losing, they are going to do it because it’s an economic advantage.”
 
From Houston Small Business Owners: "You have GOT to be kidding me!"
 
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Posted by Tracy Dacus on September 4, 2014 - 5:06pm
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With open enrollment for ‘Obamacare’ in 2015 starting in mid-November, experts are predicting big increases in premiums in many states.  According to an analysis from PricewaterhouseCoopers’ Health Research Institute, health plans sold through the ACA exchanges are going to increase an average of 7.5% next year.  (based on preliminary data from 27 states and the District of Columbia)  

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Posted by Tracy Dacus on February 10, 2014 - 4:02pm
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This just in - another Obamacare mandate delayed!

The Obama administration announced today that employers with between 50 and 99 full-time workers will not have to comply with the Affordable Care Act's requirement for health insurance until 2016.  In addition, those companies with 100 workers or more can avoid penalties if they offer coverage to at least 70% of their full-time employees.  Originally, employers with 50 full-time workers or more had to offer coverage or pay a penalty of $2,000 per employee starting in 2014.  

 

Stand by for more details and analysis here on the Adams Insurance Service blog.

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Posted by Tracy Dacus on August 28, 2013 - 4:49pm
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Prior to the Affordable Care Act (ACA) becoming law, it was common pratice for insurance companies to vary the price of premiums based on things like health status, demographics, industry and the amount of time someone has been on a plan.  While those practices are currently still in effect, they will be banned for some plans starting Jan. 1, 2014.

Beginning Jan. 1, 2014, health insurance companies offering coverage to individuals and small employers will only be allowed to vary premiums based on age, family size, geography and tobacco use.  Basing premiums on other factors will be illegal under the Fair Health Insurance Premiums provision of the ACA.  Factors that will no longer be taken into account in determining premium prices in 2014 include health status, past insurance claims, gender, occupation, and how long an individual has held a policy for groups under 50 in Texas.
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Posted by Tracy Dacus on May 31, 2013 - 4:51pm
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Blue Cross and Blue Shield of Texas (BCBSTX) released a statement today that after lengthy contract negotiations with Memorial Hermann, the Houston-area hospital group will no longer be a part of the BCBSTX BlueChoice® PPO/POS, HMO Blue® Texas, Traditional/Par Plan and Blue Medicare Advantage networks effective July 1, 2013.

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Posted by Tracy Dacus on May 17, 2013 - 5:38pm
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Since we wrote last week about our lack of confidence in the IRS running health care, the government agency has been blasted with controversy this week over targeting the Tea Party and other conservative political groups for extra scrutiny over tax exemption status.  Yesterday ABC News confirmed that the IRS official in charge of tax-exempt organizations between 2009 and 2012, Sarah Hall Ingram, is now the director of the Affordable Care Act office of the IRS.  Her former deputy commissioner Joseph Grant is taking the fall, as he was just appointed to lead the tax-exempt office in the beginning of May and has already announced his retirement.  The scandal does not increase public confidence in the agency to execute the extremely complicated PPACA, especially if you're a Tea Party member!

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Posted by Tracy Dacus on May 7, 2013 - 3:54pm
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While U.S. businesses figure out how to handle the Affordable Care Act, the Internal Revenue Service is gearing up for the huge task of deciding who pays for it and how much.    When the Supreme Court upheld the law last year, it put the IRS in charge, allowing the agency to enforce the mandate through tax penalties.

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Posted by Andy Adams on April 25, 2013 - 9:42am
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Back in 2010, we reported on a study finding that 1/5 of small business employers were considering dropping their plans with the onset of Obamacare.

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Posted by Andy Adams on December 28, 2011 - 10:49am
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Health plans with "100% preventive care" have been around for a decade and people have been confused about what is considered "preventive care" for just as long. But now that Obamacare has made 100% preventive care mandatory on all non-grandfathered plans, that question is being asked more and more.

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