Government shutdown stops worker pay but not heath care coverage

Government Shutdown - Sorry we're closed sign

As this record breaking ongoing shutdown continues, federal employees continue their health insurance. The government shutdown continues to stop 800,000 federal employees and others from receiving their paychecks. That said, as they go unpaid, many have questions about their employee health insurance and other health benefits. Workers are worrying about their health, vision, dental and long-term care coverage. For those who wonder about their insurance benefits, most will continue even while workers go unpaid. Federal employees, for the most part, don’t need to worry that the government shutdown will affect…

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2018 Insurance industry trends laying the foundation for 2019

Insurance Industry Trends - What's Next

This year took insurers and their policyholders in a new direction that will define future movements. Every year reveals different insurance industry trends and as we look back on 2018, it has become clear that it was also defined by a specific direction. Last year was seen as a time in which regulations were changing broadly but 2018 was different. In 2018, the insurance industry trends in the United States showed an inclination toward forming new alliances and remaining flexible in an evolving marketplace, according to a recent Modern Healthcare…

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Federal judge’s ruling calls Affordable Care Act unconstitutional

Affordable Care Act Ruling - Judge - Court - gavel

Though former president Obama is unconcerned about Obamacare’s future, it may harm the GOP. A federal judge in Texas has ruled that the Affordable Care Act, also known as Obamacare, is unconstitutional. The impact of this decision about the health care reform has been a substantial one for Republicans. The Republican-appointed judge hasn’t had much of an immediate practical impact on the Affordable Care Act. Obamacare continues to be in effect as the legal battle will progress forward. It may eventually end up heading to the Supreme Court. That said,…

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ACA health insurance enrollment deadline looms and sign-ups are down

Health insurance enrollment - Family

The open enrollment period for 2019 closes on December 15 but not as many people are signing up. Health insurance enrollment into the Affordable Care Act’s exchanges has fallen nationwide when compared to last year. The numbers have remained down despite the approaching deadline on December 15. The last few days of the open enrollment period could prove to be defining for the ACA in 2019. The final weeks and days of Affordable Care Act (A.C.A.) health insurance enrollment are strikingly busy. In 2017, over two thirds of Americans who…

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Number of people with California health insurance to fall over next half decade

California health insurance - Heart monitor

The falling uninsured rates trend in the state is expected to make a U-turn due to ACA changes. Up to 800,000 fewer people will have a California health insurance plan in 2023, according to recent research estimates. Changes made to the Affordable Care Act have reduced the incentive to purchase coverage. This will reverse an improvement trend in coverage rates that has extended over many years. The Affordable Care Act had been steadily reducing the number of uninsured Californians. Recent changes to official policy would remove the Affordable Care Act’s…

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ACA health insurance premiums fall for the first time

ACA health insurance - Decline - Graph

The average amount that American pays for the most popular Obamacare plans is dropping. The average premiums paid for the most popular ACA health insurance plans have fallen for the first time. These Obamacare plans have become more affordable for the first time in six years. The average paid for these health insurance plans is dropping slightly, reversing a rising trend. Across the 39 states that use HealthCare.gov, there is an average drop in ACA health insurance premiums of 1.5 percent for 2019. This is occurring in the coverage tier…

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Health plan premiums are stabilizing, regardless of Republican efforts to the contrary

Health Plan Premiums - Health - Family - Business

Despite the best efforts by the GOP to kick the pins out from under the ACA, prices are evening out. Even as Republicans work to undermine the Affordable Care Act, better known as Obamacare, health plan premiums are stabilizing. Insurance premiums have been rising, but they will be increasing only slightly in the majority of states that have already submitted their 2019 price proposals. Moreover, unlike last year, there are insurance companies stepping into the markets, not out of them. The improvements are the result of reduced political certainty regarding…

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