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Health plans - design


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Cost-Effective Healthcare Models in the Self-Insured World
"For self-insured employers, cash-based providers might be a solution to their employees' healthcare needs that result in high dollar claims. The ease of administration associated with these providers also makes them an attractive option.... Reference-based pricing follows the industry trend towards shifting healthcare costs and consumer responsibility to employees from employers. It also delivers a higher level of cost transparency from medical providers and gives the employer more control over their fixed and expected claim costs.... [C]enters of excellence have provided a seemingly win-win-win scenario for companies and their employees as well as the medical providers." (EBCG)
Benefits Eligibility Might Be Modified If ACA Repealed
"Approximately 1 in 5 employers (20 percent) anticipate modifying eligibility requirements for health care coverage if the [ACA] is repealed ... The survey also found that if the ACA is repealed: 28 percent of respondents would not be affected, as they did not offer coverage to additional employees as a result of the law. 18 percent would allow more employees to work over 30 hours per week given that it would not trigger a requirement to offer health insurance. 17 percent would increase premiums or cost-sharing. 4 percent would drop health insurance coverage for some full-time employees." (Society for Human Resource Management [SHRM])
Universal Health Care Plan Hits Snag in California
"The proposal being pushed by progressive Democrats and the California Nurses Association would make California the first state with a single-payer health care system but at a striking cost: According to the Senate Appropriations Committee analysis, the plan would require the state to come up with $200 billion annually to offset the loss of employer-based expenditures and enrollee premiums and deductibles." (Courthouse News Service)
[Guidance Overview] Telehealth Expansion Finally Comes to Texas
"For insurers, the bill clarifies that the Texas telemedicine parity law does not apply to services rendered only through audio interaction or by facsimile. In other words, insurers in Texas are prohibited from restricting coverage solely because it is provided through telemedicine, unless the services are only rendered through phone or fax. The bill also requires insurers to prominently post their telehealth coverage policies and payment practices on their websites so that consumers can easily determine whether and how coverage is available." (Morgan Lewis)
Boosting Voluntary Benefits Enrollment Is a Win-Win
"Employers can get a huge return on demonstrating the value of voluntary benefit plans once their employees understand how the coverage works and the risks of not having it.... The key is to incorporate voluntary benefits into your existing communications strategy. Communication channels, like benefit websites, blogs, and other social media platforms, are your best bet when it comes to keeping employees informed." (Frenkel Benefits)
Actuaries Examine How Changes to ACA Market Rules Would Affect Risk Adjustment
"Proposals to alter the market rules applying to the individual and small group health insurance markets would likely require changing the [ACA's] risk adjustment program, the American Academy of Actuaries said ... Loosening the issue and rating rules, incorporating high-risk pools, allowing sales across state lines, or eliminating federal essential health benefit (EHB) requirements could necessitate changes ranging from minor adjustments to major structural modifications." (Advisor Magazine)
[Opinion] Healthcare Industry Is Panicking That Trump Will Blow Up Obamacare on Monday
"Organizations representing most of the healthcare industry -- along with attorneys general from 15 states and the District of Columbia -- took desperate steps Friday in a last-ditch attempt to keep President Trump from blowing up the [ACA].... On [Monday, May 22,] the Trump administration has to tell a federal appeals court whether it will continue to defend the ACA against a legal attack by the House of Representatives. Alternatively, the White House could seek a 90-day stay on the proceedings. The attorneys general are asking the court to allow them to take over the defense from the White House." (Los Angeles Times)
[Opinion] Health Insurance Benefits Should Be Equitable But Not Necessarily Equal
"[We] should be designing insurance coverage in a way that provides access to care for people who need it, when they need it. That requires a subtle but important shift from equal access to equitable access. The first approach treats all people, regardless of clinical need, the same. The second recognizes that clinical need is an essential factor in determining where to direct resources and does not apologize for treating people with different needs differently." (Betsy Q. Cliff, Michael Rozier, and A. Mark Fendrick, in Health Affairs)
IRS Updates Premium Tax Credit Table, Required Contribution Percentage
"For plan years beginning in 2018, the required contribution percentage under Code Sec. 36B is 9.56 percent. For plan years beginning in 2018, the required contribution percentage under Code Sec. 5000A is 8.05 percent." (Wolters Kluwer Law & Business)
[Opinion] Despite What You've Read, Many Small Businesses Support Obamacare
"While most small business owners agree there are portions of the ACA that can and should be improved, polling shows that a majority of small businesses actually prefer the current law over the GOP replacement plan, and that key provisions of the ACA are helping entrepreneurs succeed." (John Arensmeyer, in Morning Consult)
[Guidance Overview] IRS Guidance on Tax Treatment of Benefits Paid by Self-Funded Fixed-Indemnity Plans
"The IRS concludes [in CCM 2017 19025] that because these plans do not involve a risk of economic loss as a result of overpayments or rewards for wellness plan participation, this is not insurance for federal tax purposes. Therefore, since the plans are neither insurance nor have the effect of insurance, amounts received by employees are not excluded from the employees' income and are subject to FICA payments from both the employer and employees." (The Wagner Law Group)
HHS Expands Direct Obamacare Enrollment: Will Insurers Respond?
"The move could be an early sign the Trump administration will take a backseat to the private sector in getting Americans to sign up for health insurance ... Direct enrollment, when consumers sign up for health insurance directly with the companies selling plans, presents an opportunity for insurers with great websites to capture a larger share of the individual market ... People signing up for insurance won't be directed to HealthCare.gov, where they can see a host of health plans ... reducing the risk they'll purchase a competitor's product." (Bloomberg BNA)
[Guidance Overview] 2018 Inflation-Adjusted Amounts for Heath Savings Accounts
"The HSA contribution limit for the 2018 calendar year for individual coverage will be $3,450, and the limit for family coverage will be $6,900.... What about the California HDHP rules? ... What about the American Health Care Act?" (ABD Insurance & Financial Services)
And You Thought There Was Nothing New in Healthcare? Shifting from 'Volume' to 'Value'
"Recently, a new player -- Create -- has come onto the scene in New York and New Jersey and is challenging the traditional idea that employee benefits must be delivered through conventional, big-name insurance carriers. The concept is a marketplace of health systems where employees shop for and select a health system as their exclusive care provider. So rather than carrying an insurance carrier card your health insurance ID would bear the name of the hospital network of your choosing." (Frenkel Benefits)
American Health Care Act Would Affect Key Components of Medicare
"Low-income Medicare beneficiaries who also are enrolled in Medicaid -- often referred to as 'dual eligibles' -- could be disproportionately affected by congressional efforts to cut and cap federal Medicaid financing. Not only do these older adults account for one-third of all Medicaid spending, much of the Medicaid spending for low-income Medicare beneficiaries is 'optional' for states." (The Commonwealth Fund)
[Official Guidance] Text of DOL Advisory Opinion 2017-02AC
Question addressed: [1] Whether a sub-group of employer members of a trade association could constitute a 'group or association of employers' within the meaning of ERISA section 3(5) capable of sponsoring a multiple employer plan; [2] Whether a group health plan proposed by the sub-group would constitute a multiple employer welfare arrangement within the meaning of ERISA section 3(40). (Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL])
Feds to Nix Healthcare.gov Enrollment for Small Business Plans
"Under the CMS plan, not yet released as a proposed rule, employers would no longer be able to enroll in SHOP plans through the federally run SHOP exchanges available in 33 states through the HealthCare.gov portal. Employers could still use the federal portal to check if they qualify for the small business tax credit." (Society for Human Resource Management [SHRM])
[Opinion] SHOP's a Flop
"The SHOP Exchange was created to provide employers with less than 50 employees an easy to use process to enroll employees in group health insurance.... Turns out SHOP enrollment is extremely cumbersome, there are less plan options compared to the off exchange market, and that tax credit, well it hasn't been worthwhile for most employers. Plus it's only available for a maximum of two years.... Less than 3% of projected enrollment. That is why SHOP should be dropped." (InsureBlog)
[Discussion] Can an Employer Self-Fund a Disability Plan and Get Stop-Loss Insurance?
"Many employers do not use health insurance for a health plan, and instead pay claims from the employer's general assets. Some of these employers buy a stop-loss insurance contract to protect the employer (not the participants) against its risk of outsize claims under the health plan. Can an employer do the same thing with a disability plan? Is there a ready market?" (BenefitsLink Message Boards)
Senate GOP Group Mulls Action on ACA Payments to Insurers
"Sen. Rob Portman (R-Ohio) said the group discussed a number of ideas, including supporting congressional action so insurers can still receive Obamacare payments next year that subsidize coverage for low-income beneficiaries. The Trump administration has refused to commit to making the payments beyond May. Without them, many insurers say they would be forced to exit the ACA exchanges in 2018." (Morning Consult)
FSA, HRA, and HSA Comparison Chart (PDF)
Chart summarizes 26 aspects of the programs, including eligibility, portability, discrimination rules, funding requirements, maximum contribution levels, and balance carry-overs. (Marsh Consulting Group)
[Discussion] Charging Employees to Participate in FSA
"An employer wants to pass along to the employees their monthly administration fee for administering an FSA. For example, $150 annually per plan and $4 monthly per employee. Can employees pay this fee on a pre-tax basis through a premium conversion plan? If so, does the amount count toward any maximum pre-tax limit?" (BenefitsLink Message Boards)
Grounding Deferential Review in California
"[A] number of states have passed insurance regulations barring discretionary clauses in disability insurance policies ... A question that has dogged these regulations is the extent to which they are preempted by ERISA.... The Ninth Circuit [recently] held that a state discretionary ban is not preempted by ERISA and properly extends to employer-drafted plans as long as the plan provides for insured benefits." [Orzechowski v. Boeing Co. Non-Union Long Term Disab. Plan, No. 14-55919 (9th Cir. May 11, 2017)] (Seyfarth Shaw LLP)
[Guidance Overview] CMS Announces Plans to Effectively End the SHOP Exchange
"Small employers have always had the option of enrolling directly with insurers or through agents or brokers, and removing enrollment through the FF-SHOP as an additional option does not expand their choices.... A primary purpose -- if not the primary purpose -- of the SHOP exchange was to allow employees of small businesses to choose among a broad range of health plan options. With the end of the FF-SHOP, it is more likely that the choices available to employees of small group will be limited to a single plan or to a few plans offered by a single insurer." (Timothy Jost, in Health Affairs)
[Guidance Overview] Taxability of Wellness Plan Rewards (PDF)
"Any wellness incentive that is not medical care is taxable, unless it is a nontaxable fringe benefit.... Common Mistakes: [1] Assuming that all incentives are nontaxable because wellness programs provide medical care. [2] Assuming that because wellness program incentives tend to be small, they are nontaxable. [3] Failing to communicate a wellness program incentive's taxability to employees." (Cowden Associates, Inc.)
CMS to Let Small Businesses Bypass ACA Marketplace
"To give small firms more flexibility in buying coverage, [CMS announced on May 15] that a small business or its broker could directly enroll employees with an insurance company, rather than having to do so through the SHOP marketplace. The move follows a rule implemented by the Obama administration in December, which says some insurers no longer have to offer a SHOP plan in a given state in order to participate in that state's individual marketplace." (Morning Consult)
Younger Employees Becoming Savvy Health Care Spenders
"Millennials: Are more satisfied than older employees with their health plan choices ... Are more likely to make cost-conscious health care decisions, such as seeking the cost of a procedure before receiving care.... Have the highest rates of regular exercise and normal weight, yet also are more likely to smoke.... One in 3 Millennials has turned down a job in part because of poor insurance offerings[.]" (Society for Human Resource Management [SHRM])
200,000 Postal Workers Would See Pay Raises, Benefit Cuts Under New Labor Contract
"In a potential hit for employees, the Postal Service would cut its contribution toward employees' health care plans by 3 percent through 2019. Still, even by the end of the contract USPS would pay for a maximum of 76 percent of any given plan, while the top contribution for the rest of the government caps out at 75 percent." (Government Executive)
[Official Guidance] CMS to Provide Small Businesses More Flexibility When Enrolling in Healthcare Coverage (PDF)
"CMS will be exploring a more efficient implementation of the Federally-facilitated SHOP Marketplaces in order to promote insurance company and agent/broker participation and make it easier for small employers to offer SHOP plans to their employees, while maintaining access to the Small Business Health Care Tax Credit. CMS intends to propose rulemaking that would change how small employers and employees in SHOPs using HealthCare.gov enroll in SHOP plans taking effect on or after January 1, 2018." (Centers for Medicare & Medicaid Services [CMS], U.S. Department of Health and Human Services [HHS])
Employees of Small Businesses Want Improvements to Benefits
"Although small businesses are fostering happy workplaces, 72% of respondents indicate that an improvement in their benefits offerings would make them even happier. The report also generated 22% of respondents that say their benefits offerings is one thing they like least about working for a small business." (HRDailyAdvisor)
CMS Checklist For State 1332 Waivers Focuses on High-Risk Pools, Reinsurance
"The checklist restates the procedural requirements that states must meet under the current 1332 rules, such as posting a notice of the waiver proposal and accepting comments for at least 30 days, holding two public hearings, and consulting with Indian tribes where relevant. Most elements in the checklist, however, describe specifically what information states must submit with applications for a 1332 waiver involving a reinsurance or high-risk pool program." (Timothy Jost in Health Affairs)
[Official Guidance] Checklist for Section 1332 State Innovation Waiver Applications (PDF)
"This checklist is intended to help states pursuing Section 1332 waivers as they develop and complete the required elements of the application.... We encourage states interested in applying for Section 1332 Waivers to reach out to the Departments promptly for assistance in formulating an approach that meets the requirements of Section 1332." (Centers for Medicare & Medicaid Services [CMS], U.S. Department of Health and Human Services [HHS])
[Opinion] Aetna CEO: 'Single-Payer, I Think We Should Have That Debate'
"The government doesn't administer anything. the first thing they've ever tried to administer in social programs was the ACA, and that didn't go so well. So the industry has always been the back room for government. If the government wants to pay all the bills, and employers want to stop offering coverage, and we can be there in a public private partnership to do the work we do today with Medicare, and with Medicaid ... then let's have that conversation. But if we want to turn it all over to the government to run, is the government really the right place to run all this stuff?" (Vox)
[Opinion] Cigna Corporation Announces Termination of Anthem Transaction
"Cigna Corporation announced that the merger agreement with Anthem has been terminated.... Anthem was required under the merger agreement to lead the regulatory approval process and to use its reasonable best efforts to obtain regulatory approval.... Cigna ... believes that Anthem willfully breached those obligations and as a result the transaction did not receive the requisite regulatory approvals. Cigna seeks prompt payment of the $1.85 billion reverse termination fee and will pursue our claims for additional damages of over $13 billion against Anthem for the harm that it caused Cigna and its shareholders." (Cigna)
New Gene Tests Pose Threat to Insurers
"The 23andMe test results will not appear in people's medical records, and the company promises not to disclose identifiable findings to third parties. It is up to the customers to reveal them -- and the fear for insurers is that many will not." (The New York Times; subscription may be required)
The Future of Obamacare Will Be Written by Smaller Insurers
"[It] is insurers like Medica -- a nonprofit, regional health plan with 1.2 million members -- who will determine whether people can buy insurance next year. Medica's competitors in Iowa and Nebraska have announced they will drop out next year, making the company the likely last guard against a scenario that leaves exchange participants with zero options for buying their own health coverage. Last week, Medica issued a threat that without government action, it might leave Iowa's exchange." (The Washington Post; subscription may be required)
[Opinion] Anthem Comments on Decision of the Delaware Court of Chancery on Acquisition of Cigna; Terminates Merger Agreement
"Anthem believed this acquisition was a truly compelling opportunity to positively impact the health and well-being of its members, and to expand access to high quality affordable health care for consumers.... Anthem has delivered to Cigna a notice terminating the Merger Agreement.... Cigna's repeated willful breaches of the Merger Agreement and its successful sabotage of the transaction has caused Anthem to suffer massive damages, claims which Anthem intends to vigorously pursue against Cigna." (Anthem, Inc.)
[Official Guidance] Text of IRS CCM 201719025: Tax Treatment of Benefits Paid by Self-Funded Health Plans (PDF)
10 pages; dated Apr. 24, 2017, released May 12, 2017. "Is a benefit paid under an employer-provided self-funded health plan included in income and wages if the average amounts received by the employees for participating in a health-related activity predictably exceed the after-tax contributions by the employees? ... Yes, the amounts are included in income and wages for reasons including, but not limited to, one or both of the reasons listed ... As a result, the exclusion from gross income under section 104(a)(3) does not apply to the amounts received by the employees." (Internal Revenue Service [IRS])
Cigna Wins Judge's Approval to Walk Away from Anthem Merger
"Delaware Chancery Judge Travis Laster said Anthem didn't deserve a 60-day extension to an earlier order barring Cigna's exit because it was 'incredibly unlikely,' the company could close the deal. However, the judge said there was significant evidence Cigna may have violated the merger agreement by dragging its feet on antitrust concerns, which could entitle Anthem to 'potentially massive damages.' " (Bloomberg)
How Health Savings Accounts Measure Up
"An HSA is offered in 24.6 percent of plans, a 21.8 percent increase from five years ago. HSA enrollment is at 17 percent, a 25.9 percent increase from 2015, and nearly a 140 percent increase from five years ago. The average employer contribution to an HSA is $474 for a single employee (down 3.5 percent from 2015 and 17.6 percent from five years ago) and $801 for a family (down 9.2 percent from last year and 13.7 percent from five years ago)." (United Benefit Advisors)
[Opinion] The Bipartisan 'Single Payer' Solution: Medicare Advantage Premium Support for All
"[T]here are a variety of deep-seated concerns with a single-payer approach that have kept it out of mainstream political discourse so far.... It will necessitate massive tax increases; it will cut reimbursement for services to unsustainably low rates; it will be lower quality than the employer-sponsored coverage most Americans currently have; it will consolidate power into the hands of a small number of bureaucrats; etc., etc.... [A] 'unified', market-driven, federally regulated, privately delivered system need not possess any of these objectionable attributes." (Billy Wynne in Health Affairs)
[Opinion] NCPA Urges Senate to Retain Key Prescription Drug Benefit Provisions of ACA
"[P]harmacist-provided prescription drug therapy is 'incredibly cost effective' in helping improve medication adherence by patients, which in turn 'improves health outcomes and reduces much more expensive interventions, such as emergency room treatment.' ... [Up] to $290 billion in annual health care expenses result from the lack of medication adherence ... [A] leading predictor of adherence is a patient's proximity to and relationship with a pharmacist." (National Community Pharmacists Association [NCPA])
Employers Continue to Address Health Benefit Cost and Workplace Programs in Uncertain Times
"There's high priority by 73% of employers to increase engagement in their programs, 51% will offer telemedicine services, 55% of employers are committed to create more effective communications and a culture of health (47%), and 43% see managing specialty drugs as their highest priority. To reduce costs, employers are primarily focused on offering high deductible health plans (HDHP) (69%), targeting wellness programs (58%) and increasing employee cost share (49%)." (Midwest Business Group on Health)
Voluntary Benefits Gaining Popularity Among Employers
"[N]early half of large employers now offer at least one of three common voluntary income protection benefits: accident, critical illness and/or hospital indemnity insurance. That's an increase of over 30 percent year over year." (Benefitfocus)
AHCA Merits Attention from Industry Stakeholders
"Despite expected Senate revisions, the American Health Care Act poses potentially vast implications across the health care industry.... The repeal or delay of certain taxes would bring relief to some life sciences manufacturers, large health insurance companies, and employers offering high-cost health insurance plans." (Latham & Watkins)
What Characterizes Marketplaces Having One or Two Insurers?
"Median monthly benchmark premiums range from $270 in markets with six or more insurers to $451 in markets with just one insurer in 2017. Likewise, in regions with 6 or more insurers, the median 2017 benchmark premium increase was 5.0% compared to 29.8% in regions with only 1 insurer.... The median population size for rating regions with only one marketplace insurer is 148,000, compared to 1.1 million in rating regions with 6 or more insurers." (Urban Institute)
Aetna Is Latest Health Insurer to Quit Obamacare Markets
"Aetna Inc. will leave the few remaining states where it had been selling Obamacare plans next year, making it the latest health insurer to pull out of the health law ... [T]he decision affects just Delaware and Nebraska. The Hartford, Connecticut-based insurer already said last year it would pull out of 11 states, and in the last month announced plans to exit Iowa and Virginia." (Bloomberg)
How Changes to Health Insurance Market Rules Would Affect Risk Adjustment (PDF)
"Risk adjustment helps ensure that plans are adequately compensated for the risks they enroll, thereby reducing insurer incentives to avoid high-cost enrollees.... This issue brief ... examines the risk adjustment program implemented under the [ACA] and the implications for the program under different potential changes to current insurance market rules." (Risk Sharing Subcommittee of the American Academy of Actuaries)
ACA Replacement Clears Its First Hurdle: What's Next (PDF)
"[The] Senate's bill ... likely will differ from the AHCA in at least some aspects.... Congress essentially must pass this legislation before moving on to tax reform or any other topic it intends to address with reconciliation. So employers, multiemployer [group health plan] sponsors and other stakeholders can expect to see new legislative developments soon -- potentially before the end of this month." (Trucker Huss)
Enrollment in Health Plan with Tiered Provider Network Decreased Medical Spending
"An analysis of tiered network plans in Massachusetts found that they were associated with a 5 percent decrease in spending -- $43.36 less per member per quarter compared with per-member spending in similar plans not offering tiered networks." (The Commonwealth Fund)
Trends in Telehealth
"This video looks at the following: [1] How telehealth has been utilized to improve access to quality care; [2] Reimbursement and licensure considerations for providers that use telehealth; [3] The challenges that employers face when implementing telehealth programs; [4] Legal and regulatory changes that could improve the provision of telehealth." (Epstein Becker Green)
The ACA Repeal Tracker
"Here is a rundown of the main elements of the [ACA], which ones would be wiped out and which could survive under the House-passed bill, and what the surviving elements could turn into if the bill becomes law." (Drew Altman, Kaiser Family Foundation, via Axios)
All-Encompassing Strategy Is Key to Building Effective Employee Health Care Programs
"Employers say their top three priority changes for managing costs of health care programs for 2017 are: [1] increasing employee point-of-care costs ... [2] modifying vendor strategies ... and [3] adding new provisions to prescription drug plans ... Actions employers will take to improve the employee experience of their health care programs include: [1] Implement a high-tech enrollment process with decision support.... [2] Offer greater choice of health plan options and types of benefits.... [3] Improve navigation of health care providers." (Wolters Kluwer Law & Business)
AHCA Fact Sheet: The Patient and State Stability Fund (PDF)
"The $138 billion fund will help repair state markets damaged by Obamacare. States can use the funds to cut out-of-pocket costs ... or to promote access to preventive services ... States could use these resources to promote participation in private health insurance or to increase the number of options available through the market. Even more, they have the option to arrange partnerships with health care providers to support their efforts to provide care." (Energy and Commerce Committee, U.S. House of Representatives)
AHCA Fact Sheet: Pre-Existing Conditions (PDF)
"Under our plan: [1] Insurance companies are prohibited from denying or not renewing coverage due to a pre-existing condition.... [2] Insurance companies are banned from rescinding coverage based on a pre-existing condition.... [3] Insurance companies are banned from excluding benefits based on a pre-existing condition.... [4] Insurance companies are prevented from raising premiums on individuals with pre-existing conditions who maintain continuous coverage." (Energy and Commerce Committee, U.S. House of Representatives)
From Hotspot to Health Hub: How Communication and Data Can Help Solve the Growing Health Divide
"Just as law enforcement uses data to analyze and map out crime 'hotspots,' the health care community can do the same to hone in on the heaviest users of the health care system in communities across the country -- and that could help improve health outcomes and decrease spending." (Health Affairs)
Forget Taxes, Warren Buffett Says -- The Real Problem Is Health Care
"In truth, Mr. Buffett said, a specter much more sinister than corporate taxes is looming over American businesses: health care costs. And chief executives who have been maniacally focused on seeking relief from their tax bills would be smart to shift their attention to these costs, which are swelling and swallowing their profits." (The New York Times; subscription may be required)
Employer Case Studies on Use of Wearable Tracking Devices in Wellness Programs (PDF)
17 pages. "Nearly one half (46%) of employers responding to the survey offer or sponsor some type of wearable as part of a wellness program.... Of initial users, 54% of employers report that more than half of their employees continue use of the device after six months.... [T]he most common metrics monitored included number of participants (84%), total and average steps (6 6%), and participant satisfaction (57%)." (HERO)
Effect of the ACA on Health Care Access
"[G]aining insurance coverage through the expansions decreased the probability of not receiving medical care by between 20.9 percent and 25 percent. Gaining insurance coverage also increased the probability of having a usual place of care by between 47.1 percent and 86.5 percent. These findings suggest that not only has the ACA decreased the number of uninsured Americans, but has substantially improved access to care for those who gained coverage." (The Commonwealth Fund)
What the AHCA Means for Employers
"For larger employers not in the small group market, the AHCA creates an opportunity to choose a benchmark plan that offers a significantly lower level of benefits to employees.... The provisions of the GOP plan will be implemented over a 10-year period.... [T]he most important aspect of this for employers is to understand the trend in health insurance, which is undeniably moving in the direction of consumerism." (Corporate Synergies)

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