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We created the Inspire blog to have a positive impact on both the health care system and its clients.
Any views or opinions presented in these articles are solely those of the author and do not necessarily represent those of the company. AHP accepts no liability for the content of these articles, or for the consequences of any actions taken on the basis of the information provided unless that information is subsequently confirmed in writing.
Geographic Utilization Disparities and Financial Impacts
It seems natural to assume that the scientific underpinning of medicine implies a formulaic treatment for any given combination of presenting symptoms. However, this assertion ignores the artistic nature of care management. Many [...]
Some Thoughts on Self-Funded Health Insurance in a (Post) Covid World
Today we are nearing the fourth quarter of 2021 and the world has been augmented in major ways since the pandemic began nearly 18 months ago. Not long-ago masks were hardly seen outside [...]
Land of the Free
“If you think health care is expensive now—just wait until it’s free.” —P.J. O’Rourke Health care is expensive in the United States. If you have paid attention to the Society of Actuaries [...]
An Actuarial Guide to Medicare Direct Contracting
On April 1, 2021, the Global and Professional Direct Contracting (GPDC) Model began its first performance year. Effective through 2026, the CMS GPDC Model introduces risk sharing arrangements with the goal of reducing [...]
Misalignment Between Premiums and Coverage Generosity Imposes Heavy Cost Burdens on Consumers in Health Insurance Exchanges
Summary One of the most underappreciated cornerstones of the Affordable Care Act (ACA) is that premium variation in the individual insurance market should reflect differences between plans, not differences between the people [...]
California Health Plan Market Summary
In California, the DMHC and DOI facilitate a transparent and accessible means to look up rates and rating information for plans in the individual and small group market. However, gathering a market-encompassing view [...]