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Health Care Reform

insurance reform regulatory details Health care reform specific information insurance company implementation information on reforms related to underwriting, sales, regulation, marketing, and administration as well as impacts on insurers, agents, brokers and will detail those entities response to health care reform regulations

The Patient Protection and Affordable Care Act
A guide for insurance professionals, agents, and brokers on the implementation of the Affordable Care Act including the regulatory impact on health plans, agents and brokers, and your clients.

Reform Implementation Timelines Fast-forward
Reform Implementation Timelines Fast-forward

The Post-Reform Broker
Article on advancing as a broker in the post-reform marketplace

Reform Implementation Timelines Fast-forward
Reform Implementation Timelines Fast-forward

The Post-Reform Broker
Article on advancing as a broker in the post-reform marketplace

Comparison of the ACA and the Republican "Common Sense Healthcare Reform Act"
Article analyzing and comparing the U.S. Affordable Care Act and the Republican alternative the Common Sense Healthcare Reform and Affordability Act? In-depth comparison of the two bills.

Building a Prototype Health Insurance Exchange
Article on Wisconsin's effort in Operationalizing a Key Element of Health Care Reform and its federal grant application to be an early innovator in health insurance exchange development

Comparison of the ACA and the Republican "Common Sense Healthcare Reform Act"
Article analyzing and comparing the U.S. Affordable Care Act and the Republican alternative the Common Sense Healthcare Reform and Affordability Act? In-depth comparison of the two bills.

Building a Prototype Health Insurance Exchange
Article on Wisconsin's effort in Operationalizing a Key Element of Health Care Reform and its federal grant application to be an early innovator in health insurance exchange development

Health Insurance Exchange 101
Article describing the basics of the state implementation of Health Insurance Exchange as they gear up for operation in 2014.

Health Insurance Exchange 101
Article describing the basics of the state implementation of Health Insurance Exchange as they gear up for operation in 2014.

More Affordable Care Act Provisions Going Into Effect January 1st
More Affordable Care Act Provisions Going Into Effect January 1st

Will Exchanges Compete Directly with Agents/ Brokers?
Blog post detailing Model Act law language from the NAIC that may set up competition for health insurance agents and brokers directly with the Health Insurance Exchanges. Exchange may be a sales operation in addition to a insurance plan marketplace where insurance plans will be available for agents employers to consider.

More Affordable Care Act Provisions Going Into Effect January 1st
More Affordable Care Act Provisions Going Into Effect January 1st

Glossary: Health Care Reform Key Terms
health care reform key terminology glossary PPACA Affordable Care Act legislation

Affordable Care Act Provisions Going into Effect Jan 1.
ACA PPACA health care reform legislation mandate requirements medical loss ratio Medicare preventive coverage without copay hospital infection rate reporting

Mini-Med Plans in ACA Cross-hairs
Mini-Med Plans in ACA Cross-hairs limited benefits ACA rules restrict plan maximums

National Quality Strategy
National Quality Strategy

Uninsured Healthcare Tab- $49 Billion Annually
Article describing the U.S. uninsured Healthcare Tab- $49 Billion Annually.

CO-OP Plans: The ACA's Public Plan Alternative
Co-ops the public option alternative within the Affordable Care Act

HSA's and the Affordable Care Act
HSA's and the Affordable Care Act

Health Care Reform Side Effects: What are the Implications for TPA's
Health Care Reform Side Effects What are the Implications for Third Party Administrators administration of employee benefits flexible spending accounts HSA HRA dependent care reimbursement transit expense

State Politics/ Policy Game-Changers on Implementing ACA
State Politics/ Policy Game-Changers on Implementing ACA

ACO Initiatives Take Flight
ACO Initiatives Take Flight

CLASS Act Program and Regulation Summary
Article illustrating how te new CLASS Act longe term care program works and its related regulations.

The Impact of HSA's
Article on impact and use of HSA's

Medical Loss Ratios- State Impacts
Analysis of the impact of the medical loss ratio rules under the Affordable Care Act in various states

PCIP Program Now Allows Broker/Agent Commissions
Article on new federal Pre-existing consition insurance program details

Will PPACA Provide Incentives to Drop Health Coverage?
Article detailing how the PPACA might provide incentives to drop health coverage

Educating Clients Key to HSA Sales
Article describing effective HSA sales strategy focusing on client education.

Texas Health Law May Violate Anti-trust Laws
Article concerning a new Texas health law that may violate anti-trust laws.

How Hawaii Benefits from Health Reform
Article on how Hawaii is benefiting from Health care Reform payment initiatives

Producer Commissions and the MLR Dabate
Article discussing producer commissions and the Medical Loss Ratio Dabate

Medical Malpractice Reform Proposal
Article providing a primer on Medical Malpractice Reform.

Thomson Reuters Names Top 10 Health Systems
Article discussing Thomson Reuters naming of top 10 health systems

Medicare Cost Savings Experiment Achieves Little
Article assessing results of Medicare cost savings experiment which provided bonuses to health plans which met targeted cost savings goals.

Individual Mandate in Crosshairs at PPACA hearing
Article concerning Appeals court questions regarding individual mandate at PPACA hearing.

The Health Care Cost Problem
Article describing in detail the U.S. health care cost problem

New York Exchange to Keep Agent's Role
Article describing on New York state proposal will retain agent's role in development of Health Insurance Echange.

State Status on Health Insurance Exchanges
Article describing the staus of states on implementing Health Insurance Exchanges

How Would President Pawlenty Reform Healthcare?
Article on former Minnesota Governor Tim Pawlenty's ideas to reform healthcare in the U.S.

Wellness Becoming a Higher National Priority
Article concerning announcement of national wellness strategy and research on wellness gaining priority with national corporations

"The Time is Now" for ACO's
Article on an innovative effort to make health care more accountable and therefore health insurance more affordable.

Health Insurance Exchange Development Models Emerge
Article describing the four types of Health Insurance Exchange Models that are emerging as states comply with the PPACA

The Case for Health Care Reform: Focus on Costs
Article providing detailed arguments on why health care reform needs #1 focus to be on costs.

Bloom Health Launches Two Private Health Exchanges
Article about Bloom Health's launch of two new private health exchanges

NAIC Reverses Position on Medical Loss Ratio
Article on the NAIC's decision to no longer back insurance commissions exemption flrom the MLR.

Federal Health Insurance Exchange Guidelines Released
Artucke discussing new Federal Health Insurance Exchange Guidelines.

The Post-Reform Broker
The Post-Reform Broker

Kansas Considers Health Care Freedom Law
Article on Kansas proposal considers health care freedom law

Utah Exchange Experiences Growing Pains
Article on Utah Health Insurance Exchange Experiencing Growing Pains

Blues Move to Expand Medicaid Presence
Article describing Blue Cross and Blue Shield plans effort to increase presence in Medicaid market.

PPACA Benefit Schedule Rules Released
Article on PPACA Benefit Schedule Rules Released

Corporations Take Healthcare Into Own Hands
Article on big corporations who are taking the lead in the provision of healthcare through development of their own clinics.

Wisconsin Weighs Health Insurance Exchange Development
Wisconsin: Battleground of HIX Development

Health Care Reform Side Effects: What are the Implications for TPA's
Health Care Reform Side Effects What are the Implications for Third Party Administrators administration of employee benefits flexible spending accounts HSA HRA dependent care reimbursement transit expense

Small Business Health Relief Act Examined
Article examining the Small Business Health Relief Act.

Small Business & Stop Loss Coverage
Small Business & Stop Loss Coverage

What if the PPACA is Unconstitutional?
Article analyzing consequences if the PPACA is ruled to be unconstitutional?

Alternative Health Exchanges Being Developed
Article describing new healtrh insurance exchange development for competition with state-based exchanges being developed under the PPACA.

Agent Commissions Not Exempt From Final MLR Rule
Article on Agent Commissions Not Exempt From Final MLR Rule

Would Tort Reform Lower Health Costs?
Article analyzing whether Tort Reform would lower health costs?

Forecasting the Supreme Court PPACA Ruling
Article forecasting the Supreme Court ruling of the PPACA

The Employer Comparative Effectiveness Research Fee
Article explaining the new comparative effectiveness research fee mandated on employers.

HHS Releases Health Exchange Rules
Aritlce on HHS release of Health Exchange rules

Romney's Health Care Policy
Romney's Health Care Policy

Majority in US uninformed on PPACA
Majority in US uninformed on PPACA

Sebelius Decision Aids Obama Re-election
Sebelius Decision Aids Obama Re-election

States Allowed to Set Essential Benefits
Article on HHS's determination to allow states to set essential benefits under PPACA

Health Care Reform Impacts in 2012
Article on 2012 health care reform implementation

What is an Essential Benefit?
What is an Essential Benefit?

Why Are U.S. Health Costs so High?
Article exploring why U.S. Health Costs are so High?

State Health Insurance Exchange Status Update
Article on state implementations of health insurance exchanges

Eligibility and the Individual Mandate
Eligibility and the Individual Mandate

Mini-Med's Thriving in Reform Era
Mini-Med's Thriving in Reform Era

25% in U.S. Have Health Coverage Gap
1 in 4 in U.S. Have Health Coverage Gap

Health Insurance Rebate Analysis
Health Insurance Rebate Analysis

GOP Planning ObamaCare Ruling Reaction
GOP Planning ObamaCare Reaction

Health Reform and Small Businesses
Article on Health Reform and Small Businesses looking at business size and tax credits

Next Battle: Health Insurance Exchange Rules
Next Battle: Health Insurance Exchange Rules

Many States Pursuing Medicaid Cuts Citing PPACA
Many States Pursuing Medicaid Cuts Citing PPACA

Health Insurers Rush to Comply with Health Reforms
article on insurer implementation of health care reform mandates

Mini-Med Plans in the Cross-hairs- Future Uncertain
Mini-Med Plans in the Cross-hairs- Future Uncertain specified disease coverage limitied dollar coverage

Romney vs. Obama Health Care Policy
Romney vs. Obama Health Care Policy

Few Takers of Health Reform Tax Credit
Few Takers of Health Reform Tax Credit

Employer Requirements Under ObamaCare
Employer Requirements Under ObamaCare

Politics and the Individual Mandate
Article on Politics and the Individual Mandate

States Rejecting Large Premium Rate Increases
States Rejecting Large Premium Rate Increases health insurance rates group individual health plans Affordable Care Act

States, Waivers, & Medical Loss Ratios
Article on medical loss ratio rules in the states

Analysis of Possible Supreme Court PPACA Decisions
Analysis of Possible Supreme Court PPACA Decisions

Agent Groups Continue MLR Fight
Article concerning agent groups continuing fight against Medical Loss Ratio rules

How to Launch a Health CO-OP Plan
Article describing IRS rules on how to Launch a Health CO-OP Plan

Health Insurance Exchange
Health Insurance Exchange, purchase marketplace, Small Business Health Options Program (SHOP) state exchange regional multi-state option small business purchasing cooperative established by the federal health care legilsation, PPACA Affordable Care Act

Tax Components of Health Care Approval
Tax Components of Health Care Approval

Brokers React to NAIC Medical Loss Ratio Rules
This article details the medical loss ratio requirments enacted by the NAIC and the inclusion of broker commissions within the amount of the MLR administrative costs

Basic Health Plans and Risk Selection
Basic Health Plans and Risk Selection

Grandfathered Plans
Definition of grandfathered health plans and requirements under the newly passed health care reform legislation PPACA Affordable Care Act

Seven Funded CO-OP Plans Named by CMS
Seven Funded CO-OP Plans Named by CMS

Affordable Care Act Provisions Going into Effect Jan 1.
ACA PPACA health care reform legislation mandate requirements medical loss ratio Medicare preventive coverage without copay hospital infection rate reporting

Mini-Med Plans in the Cross-hairs- Future Uncertain
Mini-Med Plans in the Cross-hairs- Future Uncertain specified disease coverage limitied dollar coverage

PPACA Individual Mandate Rejected
Federal health care reform legislation judge decision rejects PPACA Individual Mandate to purchase health insurance, violates constitution and interstate commerce

Will Exchanges Compete Directly with Agents/ Brokers?
Blog post detailing Model Act law language from the NAIC that may set up competition for health insurance agents and brokers directly with the Health Insurance Exchanges. Exchange may be a sales operation in addition to a insurance plan marketplace where insurance plans will be available for agents employers to consider.

Brokers React to NAIC Medical Loss Ratio Rules
This article details the medical loss ratio requirments enacted by the NAIC and the inclusion of broker commissions within the amount of the MLR administrative costs

States Rejecting Large Premium Rate Increases
States Rejecting Large Premium Rate Increases health insurance rates group individual health plans Affordable Care Act

Mini-Med Plans in ACA Cross-hairs
Mini-Med Plans in ACA Cross-hairs limited benefits ACA rules restrict plan maximums

CO-OP Plans: The ACA's Public Plan Alternative
Co-ops the public option alternative within the Affordable Care Act

State Politics/ Policy Game-Changers on Implementing ACA
State Politics/ Policy Game-Changers on Implementing ACA

National Quality Strategy
National Quality Strategy

ACO Initiatives Take Flight
ACO Initiatives Take Flight

CLASS Act Program and Regulation Summary
Article illustrating how te new CLASS Act longe term care program works and its related regulations.

The Impact of HSA's
Article on impact and use of HSA's

Medical Loss Ratios- State Impacts
Analysis of the impact of the medical loss ratio rules under the Affordable Care Act in various states

Uninsured Healthcare Tab- $49 Billion Annually
Article describing the U.S. uninsured Healthcare Tab- $49 Billion Annually.

Medical Malpractice Reform Proposal
Article providing a primer on Medical Malpractice Reform.

Educating Clients Key to HSA Sales
Article describing effective HSA sales strategy focusing on client education.

Texas Health Law May Violate Anti-trust Laws
Article concerning a new Texas health law that may violate anti-trust laws.

How Hawaii Benefits from Health Reform
Article on how Hawaii is benefiting from Health care Reform payment initiatives

Producer Commissions and the MLR Dabate
Article discussing producer commissions and the Medical Loss Ratio Dabate

Kansas Considers Health Care Freedom Law
Article on Kansas proposal considers health care freedom law

PCIP Program Now Allows Broker/Agent Commissions
Article on new federal Pre-existing consition insurance program details

Will PPACA Provide Incentives to Drop Health Coverage?
Article detailing how the PPACA might provide incentives to drop health coverage

Thomson Reuters Names Top 10 Health Systems
Article discussing Thomson Reuters naming of top 10 health systems

The Health Care Cost Problem
Article describing in detail the U.S. health care cost problem

New York Exchange to Keep Agent's Role
Article describing on New York state proposal will retain agent's role in development of Health Insurance Echange.

State Status on Health Insurance Exchanges
Article describing the staus of states on implementing Health Insurance Exchanges

Individual Mandate in Crosshairs at PPACA hearing
Article concerning Appeals court questions regarding individual mandate at PPACA hearing.

Medicare Cost Savings Experiment Achieves Little
Article assessing results of Medicare cost savings experiment which provided bonuses to health plans which met targeted cost savings goals.

How Would President Pawlenty Reform Healthcare?
Article on former Minnesota Governor Tim Pawlenty's ideas to reform healthcare in the U.S.

Health Insurance Exchange Development Models Emerge
Article describing the four types of Health Insurance Exchange Models that are emerging as states comply with the PPACA

Wellness Becoming a Higher National Priority
Article concerning announcement of national wellness strategy and research on wellness gaining priority with national corporations

"The Time is Now" for ACO's
Article on an innovative effort to make health care more accountable and therefore health insurance more affordable.

The Case for Health Care Reform: Focus on Costs
Article providing detailed arguments on why health care reform needs #1 focus to be on costs.

Bloom Health Launches Two Private Health Exchanges
Article about Bloom Health's launch of two new private health exchanges

NAIC Reverses Position on Medical Loss Ratio
Article on the NAIC's decision to no longer back insurance commissions exemption flrom the MLR.

Federal Health Insurance Exchange Guidelines Released
Artucke discussing new Federal Health Insurance Exchange Guidelines.

The Post-Reform Broker
The Post-Reform Broker

Corporations Take Healthcare Into Own Hands
Article on big corporations who are taking the lead in the provision of healthcare through development of their own clinics.

Wisconsin Weighs Health Insurance Exchange Development
Wisconsin: Battleground of HIX Development

Blues Move to Expand Medicaid Presence
Article describing Blue Cross and Blue Shield plans effort to increase presence in Medicaid market.

PPACA Benefit Schedule Rules Released
Article on PPACA Benefit Schedule Rules Released

The Employer Comparative Effectiveness Research Fee
Article explaining the new comparative effectiveness research fee mandated on employers.

Small Business Health Relief Act Examined
Article examining the Small Business Health Relief Act.

Utah Exchange Experiences Growing Pains
Article on Utah Health Insurance Exchange Experiencing Growing Pains

Would Tort Reform Lower Health Costs?
Article analyzing whether Tort Reform would lower health costs?

Forecasting the Supreme Court PPACA Ruling
Article forecasting the Supreme Court ruling of the PPACA

What if the PPACA is Unconstitutional?
Article analyzing consequences if the PPACA is ruled to be unconstitutional?

Alternative Health Exchanges Being Developed
Article describing new healtrh insurance exchange development for competition with state-based exchanges being developed under the PPACA.

Agent Commissions Not Exempt From Final MLR Rule
Article on Agent Commissions Not Exempt From Final MLR Rule

Politics and the Individual Mandate
Article on Politics and the Individual Mandate

Romney's Health Care Policy
Romney's Health Care Policy

States Allowed to Set Essential Benefits
Article on HHS's determination to allow states to set essential benefits under PPACA

HHS Releases Health Exchange Rules
Aritlce on HHS release of Health Exchange rules

Sebelius Decision Aids Obama Re-election
Sebelius Decision Aids Obama Re-election

Majority in US uninformed on PPACA
Majority in US uninformed on PPACA

State Health Insurance Exchange Status Update
Article on state implementations of health insurance exchanges

Seven Funded CO-OP Plans Named by CMS
Seven Funded CO-OP Plans Named by CMS

Why Are U.S. Health Costs so High?
Article exploring why U.S. Health Costs are so High?

Health Care Reform Impacts in 2012
Article on 2012 health care reform implementation

Eligibility and the Individual Mandate
Eligibility and the Individual Mandate

Mini-Med's Thriving in Reform Era
Mini-Med's Thriving in Reform Era

25% in U.S. Have Health Coverage Gap
1 in 4 in U.S. Have Health Coverage Gap

Health Insurance Rebate Analysis
Health Insurance Rebate Analysis

GOP Planning ObamaCare Ruling Reaction
GOP Planning ObamaCare Reaction

Few Takers of Health Reform Tax Credit
Few Takers of Health Reform Tax Credit

Analysis of Possible Supreme Court PPACA Decisions
Analysis of Possible Supreme Court PPACA Decisions

Basic Health Plans and Risk Selection
Basic Health Plans and Risk Selection

Tax Components of Health Care Approval
Tax Components of Health Care Approval

Health Reform and Small Businesses
Article on Health Reform and Small Businesses looking at business size and tax credits

Next Battle: Health Insurance Exchange Rules
Next Battle: Health Insurance Exchange Rules

Many States Pursuing Medicaid Cuts Citing PPACA
Many States Pursuing Medicaid Cuts Citing PPACA

Employer Requirements Under ObamaCare
Employer Requirements Under ObamaCare

Small Business & Stop Loss Coverage
Small Business & Stop Loss Coverage

How Ryan's Medicare Vouchers Might Work
How Ryan's Medicare Vouchers Might Work

Romney vs. Obama Health Care Policy
Romney vs. Obama Health Care Policy

What is an Essential Benefit?
What is an Essential Benefit?

Agent Groups Continue MLR Fight
Article concerning agent groups continuing fight against Medical Loss Ratio rules

How to Launch a Health CO-OP Plan
Article describing IRS rules on how to Launch a Health CO-OP Plan

States, Waivers, & Medical Loss Ratios
Article on medical loss ratio rules in the states

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