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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 [...]
Health Actuary vs Data Scientist: What is the difference?
Our firm recently hired its first data scientist to complement the consulting team of health actuaries and clinicians. The Actuarial profession is very small and niche, with many people outside of the insurance [...]
What Good Will Come Out Of COVID-19?
Nine months ago, we gathered in our conference room to talk about COVID-19 and what it may look like in the coming months. When you put a bunch of data geeks with healthcare [...]
Mental Health Ramifications of COVID-19
Almost a year after the beginning of the COVID-19 outbreak a lot has changed. New phrases like “social distancing” and “new normal” have entered the lexicon. Everywhere you go there are stickers [...]
The ACA’s Silver Bulletin
What if I told you that two sentences in a rate filing guidance could potentially add $5 billion of federal subsidies to the individual market and bring substantial premium relief to low-income consumers [...]