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...
It Didn’t Cost a Pennie
The Affordable Care Act (ACA) provides states with multiple opportunities to improve their local markets. Most options involve a significant investment, both staff time and financial resources. Earlier this year...
2nd Annual ACA Consumer Value State Rankings
Last year I developed a ranking system for analyzing consumer value in ACA markets across all 50 states[1]. It was a fun and enlightening exercise. Please see the link below for last year’s rankings which will include the details of...
Actuaries versus Experts: Lost Sheep Astray on Route ACA
I spent most of Memorial Day weekend in my backyard, about an hour from the San Diego coastline. More time was dedicated to writing rather than grilling, and I wrapped up a four-part series...
Impressions of the ACA: 10 Years, 30 Voices
I’m a math guy. I always have been. While I did well in most subjects in school, I excelled at math. In high school, I completed an advanced calculus course in my junior year. I had to commute to the...
Metalball: Gold < Silver ‘Gets on Base’
I haven’t been to many movies recently, but two that I have seen are Invincible and Moneyball. Observant readers will recognize each as nonfictional portrayals of sports figures with a unique story. A smaller...
Focused ACA Rate Review: Tangible Ways for States to Address Metalball
Rate review in the Affordable Care Act (ACA) markets was built on traditional measures. A large focus of the initial federal guidance was greater scrutiny on proposed increases of 10% or more. The holistic...
The Joe Pesci Option
There are many unknowns in the future of health care funding and costs given the current crisis faced by our country. With unemployment rising at an unprecedented rate and...
The Gold Rush and the Lionfish: Optimizing the Unique Dynamics in ACA Markets
The Affordable Care Act (ACA), colloquially known as “Obamacare”, recently began its 7thopen enrollment period, the first with premiums based on claims experience after...