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43 Matching News Items

1.  Top 10 Healthcare Services Excluded Under Obamacare
HealthPocket Link to more items from this source
Feb. 27, 2014
"With the release of the new Affordable Care Act health plans, HealthPocket examined what medical services were most frequently excluded from health insurance coverage in 2014 and compared the results to the most common exclusions in the pre-reform health insurance market."
2.  1-In-3 Obamacare Small Business Health Plans Exceed Deductible Limit
HealthPocket Link to more items from this source
Jan. 8, 2014
"The [ACA] contains a stipulation that caps the deductibles on small group health plans. For individual enrollees, the maximum deductible was limited to $2,000 while for families the maximum deductible was limited to $4,000.... For individual enrollees in SHOP marketplace plans, HealthPocket found: 96.43% of Bronze plans had deductibles over the $2,000 cap; 28.10% of Silver plans had deductibles over the $2,000 cap; [and] 6.48% of Gold plans had deductibles over the $2,000 cap."
3.  Top 10 Medical Services Excluded by Health Insurance: Three Will Improve Under Obamacare
HealthPocket Link to more items from this source
Aug. 3, 2013
"In the current individual and family health insurance market, coverage of medical services is not standardized and a variety of important services, ranging in expense and medical necessity, are not included within the benefits of most insurance plans. HealthPocket examined 11,365 health plans in the individual and family market to determine which medical services were most likely to be excluded from coverage."
4.  The State of Medical Debt in the United States
HealthPocket Link to more items from this source
Dec. 31, 2019
"41% reported that they had at one point not been able to afford a medical bill. 30% currently had a medical bill they could not pay.... 11% had either filed or considered filing for bankruptcy to get out from under their medical debt.... 51% of those surveyed said that at some point in their life, they had avoided seeking medical care due to their lack of ability to pay."
5.  How Millennials Approach Health Care
HealthPocket Link to more items from this source
Dec. 19, 2019
"89% have some form of health insurance ... 54% reported [that] at some point in their lives, [they did not have] health insurance, and 47% had received help from their parents in paying for medical bills.... 79% said they would search for what ails them before visiting a doctor's office.... 63% thought that they should be able to text their doctor directly.... 45% said they would use telemedicine before visiting a doctor."
6.  2017 Obamacare Average Premiums and Average Deductibles
HealthPocket Link to more items from this source
Oct. 26, 2016
"[This] analysis provides a detailed overview of market conditions facing consumers who have neither premium subsidies nor subsidies for healthcare out-of-pocket costs."
7.  Insurance Out-of-Pocket Charges for Specialty Drugs Increase as Retail Prices Surge
HealthPocket Link to more items from this source
Dec. 7, 2015
"Cost-sharing for expensive specialty drugs ... evidenced more consistent changes from 2014 to 2016. The average copayment costs increased dramatically, ranging from 16% to 71% depending on the health plan category. Coinsurance fees ... increased for three-out-of-four health plan categories examined. Only silver plans had the same average coinsurance fee for specialty drugs in 2014 as they did in 2016. Increases for the other three plan categories averaged from 7% to 20%."
8.  Out-of-Network Coverage by ACA Marketplace Plans in 2016
HealthPocket Link to more items from this source
Nov. 17, 2015
"Across the states using healthcare.gov, 59 percent of 2016 ACA plans do not have out-of-network coverage, except when the enrollee has a medical emergency or obtains prior authorization from the plan before receiving out-of-network healthcare. In three states (New Jersey, New Mexico, and South Dakota), every 2016 ACA plan lacks out-of-network coverage."
9.  2016 ACA Premiums and Deductibles
HealthPocket Link to more items from this source
Nov. 2, 2015
"The rate of increase in average deductible for silver plans was more modest than bronze plans. The average 2016 deductible for an individual is 6% higher than what was observed for 2015 while the average family deductible rose by 8% in 2016."
10.  Almost Half of Obamacare Plans on Federal Marketplace Lack Out-Of-Network Coverage
HealthPocket Link to more items from this source
Oct. 7, 2015
"Overall, 52.6 percent of Obamacare plans on Healthcare.gov had out-of-network coverage, leaving nearly half of plans without easily accessible out-of-network coverage.... The percentage of Obamacare marketplace plans offering out-of-network coverage in each state ranged from 0 percent in South Dakota to 100 percent in Alaska, Alabama, Louisiana, Tennessee, and West Virginia.... In 13 states, less than half of plans offered out-of-network coverage."
11.  Do Provider-Owned Health Plans Produce the Cheapest Insurance Premiums?
HealthPocket Link to more items from this source
Aug. 20, 2015
"The integration of insurer and provider within these provider-owned health plans holds the promise to deliver more appropriate care to patients and lower insurance costs by eliminating unnecessary tests, surgeries, and other healthcare that inflate overall costs.... Although provider-owned plans cover less than 10% of the entire privately insured market, their membership increased 4% between 2012 and 2013, a higher rate of growth than other plan types.... Contrary to expectations, the cheapest provider-owned health plans were more expensive on average than the cheapest plans not owned by providers."
12.  Nonprofit Obamacare Insurers Have Lower Premiums Than For-Profit Insurers in Most Counties That Use Healthcare.gov
HealthPocket Link to more items from this source
July 14, 2015
"[N]onprofit insurers offered the lowest silver plan premiums in 1,072 of the 1,841 counties where both nonprofit and for-profit insurers offered silver plans, a 58% to 42% advantage over for-profit insurers.... The least expensive platinum plan premiums from nonprofit insurers were over 11% lower than the least expensive platinum plan premiums from for-profit insurers."
13.  Exchange-Only Health Plans Average Higher Premiums Than Competitors That Sell Plans Both On and Off-Exchange
HealthPocket Link to more items from this source
May 21, 2015
"[H]ealth plans that are only sold through exchanges averaged higher premiums than health plans that were sold both on-exchange and off-exchange. The biggest difference in average premiums was for bronze plans, where premiums were approximately 15% more expensive on average for exchange-only plans. Exchange-only silver plans were nearly 7% more expensive than their on/off-exchange competitors and gold plans were approximately 5% more expensive."
14.  Obamacare Premiums Higher in Counties Without Preferred Provider Organizations
HealthPocket Link to more items from this source
May 14, 2015
"In counties that did not offer PPO plans, the average Obamacare premium for a 40-year-old individual was $327.28. The average Obamacare premium in counties with PPO plans was slightly lower at $325.43, despite PPO plans having an average premium of $339.68 ... Monthly premiums for HMO, EPO, and POS plans were 5% higher in counties with no PPO plans than in counties with PPO plans."
15.  What Happens If the Federal Exchange Subsidies Go Away?
HealthPocket Link to more items from this source
Jan. 20, 2015
"While the anticipated migration from silver plans to bronze plans would lessen the premium increase for consumers if they lost subsidies, they would still pay thousands more for health insurance annually.... The bronze plan premium average for a 40 year-old is 15% below the average pre-subsidy cost of plans chosen on the exchange (which are predominantly silver plans for an unspecified average age). However, this amount is still over two and a half times the amount of the average subsidized premium on the federal exchange."
16.  2015 Obamacare Deductible and Out-of-Pocket Averages
HealthPocket Link to more items from this source
Nov. 20, 2014
"The average bronze plan deductible for 2015 is $5,181, up from $5,081 in 2014. The average 2015 bronze plan deductible for an individual is 326% higher than the average deductible amount documented for employer-sponsored health plans (deductibles in employer-sponsored health insurance were $1,217 on average for individual coverage according to the Kaiser Family Foundation's 2014 Employer Health Benefits Survey)."
17.  2015 Obamacare Specialty Drug Costs
HealthPocket Link to more items from this source
Aug. 26, 2014
"Out-of-pocket specialty drug costs for platinum plans were 64% lower than gold plans, 74% lower than silver plans, and 78% lower than bronze plans.... In every bronze plan examined, the three most expensive drugs (Gleevec, Copaxone, and Norditropin) each incurred annual out-of-pocket costs that reached the plan's out-of-pocket limit. The same occurred with platinum plans for each of the four most expensive drugs, but platinum plans typically have much lower out-of-pocket limits than bronze plans."
18.  Preview of 2015 Obamacare Out-of-Pocket Costs
HealthPocket Link to more items from this source
July 14, 2014
"When compared to out-of-pocket costs for 2014, deductibles in the early public rate filings [for 2015] decreased with the exception of platinum plans. For bronze plans, the decrease was less than one percent as compared to 9% and 12% decreases for silver and gold plans respectively. Platinum plans had a major increase (43%) in in its average deductible. The annual limits on out-of-pocket costs for covered medical services was more uneven when comparing 2015 early filings to 2014 averages."
19.  Off-Exchange vs. On-Exchange Premiums
HealthPocket Link to more items from this source
June 5, 2014
"Plans sold off-exchange must offer the same essential health benefits as plans sold on the exchanges, but the primary difference between buying plans on- or off-exchange is that only on-exchange plans are eligible for government subsidies.... On average the least expensive bronze plans offered by the four off-exchange insurers were 45% more expensive than the least expensive bronze plans offered on the exchanges. [A table] displays the lowest bronze plan premiums and corresponding deductibles for each city in which at least one of the off-exchange carriers offered bronze plans."
20.  Broker Private Exchanges Still Fall Short of Government Exchanges
HealthPocket Link to more items from this source
May 6, 2014
"On average eHealth had 29% fewer Obamacare plans than the government exchanges.... On average the lowest available premium was 6.5% higher on eHealth than on the government exchanges.... Although the government exchanges averaged a more comprehensive list of plans than the private broker exchanges, the results of this study show that the inventory of private exchanges has become more competitive than was the case for 2013."
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