Health Insurance

In public filings with health insurance regulators in a number of states, UnitedHealthcare part of UnitedHealth Group ( NYSE:UNH ) has shown an increased interest in participating in the Obamacare exchanges for 2015. In 2014, the insurer only participated in a few state marketplaces including: Maryland , New York , and Colorado . The largest health carrier in the United States, UnitedHealthcare...Read more
One of the big fears for health insurers competing on the Obamacare Exchanges was the potential that a bad health makeup of enrollees would end up hurting the insurers. The first batch of rate filings in the state of Colorado appears to signal that at least for for Wellpoint ( NYSE: WLP ), one of the largest public participants in the exchanges, these worries may have been overblown. Filings...Read more
Yesterday Colorado's Division of Insurance released the first batch of health insurance rate filings with the premium rate change requests insurers are making for plans on the Colorado Exchange. While these rate requests are not final the numbers are a useful indicator of what the carriers have been seeing in costs and what they're thinking in terms of premiums going forward. Company Lives...Read more
Even though the 2014 open enrollment period feels like it just closed, insurers in many states are already preparing for next year. With the next enrollment period only months away, the insurance companies already need to begin submitting changes to plan premiums and benefits to the appropriate regulatory bodies. We examined filings in Washington and Virginia to see what the companies were...Read more
With the first open enrollment period in the books, what's next for the Affordable Care Act? While media coverage of Obamacare has focused on how much the plans cost or how many people have signed up, the real impact of the law is the long-term effects of small changes that haven't really taken effect yet. Tech issues with the exchange rollout pushed back many of the opportunities to change...Read more
The administration is set to announce that insurance companies can extend the period where they offer plans that do not meet Obamacare’s essential health benefits, extending by two years the potential availability of non compliant plans. Fears that these delays will adversely affect the insurance pools and the insurance carriers have probably been overstated. The new deadline will probably do...Read more
On Tuesday both the president and The Department of Health and Human Services announced that 4 million people had selected a private insurance plan through the federal and state health insurance exchanges. Ultimately the question both the insurance carriers and the government are grappling with, is if the exchange are offering health insurance of compelling value at a price that is affordable to...Read more
The CBO has projected that by 2016 an additional 22 million people will find some form of Health Insurance Coverage through the Affordable Care Act's Health Insurance Marketplaces. In each state multiple insurers are competing for the opportunity to capture the new consumer base that has opened up through Obamacare's tax subsidies. At full enrollment the Affordable Care Act could bring the...Read more
When it comes to the Obamacare exchanges Humana (NYSE: HUM) has adopted a strategy of competiing on price and being very selective when it comes to the service areas where they have chosen to offer insurance plans. A look at the plans offered by Humana on the federal exchange will show that their plans are among the cheapest when compared to other insurers in the same county and rating areas. In...Read more
Much has been written about the need for young consumers to sign up for on-exchange health plans in order to make the insurance risk pools stable. In a recent Kaiser study , it was pointed out that a broad underrepresentation of the young would not in itself require a significant increase in premiums to stablize costs. The study concluded that if 18-34 year olds were underrepresented by 25%,...Read more

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