Tag Archives: healthcare reform

Insurers to leave ObamaCare if no clear pathway

image of nurse with obamacare logo

Health insurers want to see how Congress intends to replace Obamacare before they commit to offering policies for 2018, a new survey has found.

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How Is Health Care Reform Affecting the Federal Deficit?

image of $100 bill and deficit

Some analysts think it is helping reduce the deficit; but others wholeheartedly disagree.

Has the Affordable Care Act actually cut Medicare spending? The numbers from the Congressional Budget Office make a pretty good argument for that, and suggest that the ACA has had a distinct hand in the recent drop in the federal deficit. Detractors of the ACA say that statistical argument doesn’t tell the whole story.

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Why am I getting a “1411 Certification?”

From Labor Attorney Jason Cogdill:

I have received many reports about employers receiving notices from the Marketplace since the middle of last week.  These are “1411 Certifications” from HHS identifying individuals currently receiving an advanced premium credit (or cost-sharing reduction) and whose application referenced a specific employer.  It is likely that the majority of employers will receive at least one of these notices, so if your clients have not communicated to you about the notices, they soon will. 

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Will Health Insurance Premiums jump next year?

Thats the argument made by Fortune Magazine in a recent article.  Several of the initial cost-control measures expire shortly.

The law included 3 mechanisms to keep premiums down – risk adjustment, reinsurance, and risk corridors.  These were designed to give some stability as carriers were setting premiums in a new environment for which there was only limited rate experience.  The loss of 2 of these mechanisms (risk adjustment isn’t expiring) will likely cause increasing premiums.


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Reeve Conover is a Registered Representative. Securities offered through Cambridge Investment Research, Inc., a Broker/dealer member FINRA/SPIC. Cambridge and Conover Consulting are not affiliated. Licensed in SC, NC, NY, CT, NJ, and CA.
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