My wife and I are self employed and buy our own coverage for our family of four. The health insurance premiums, by far, represent our largest yearly expense ($13,600), and that’s with additional $2,500 deductibles for each family member. We are all “healthy,” but reserve visiting the doctor unless there is an unavoidable and urgent Continue Reading
Better Consumer Information
Navigating the purchase and use of a health insurance policy could be a lot easier. What are your basic rights, and how should you decide between your available options? Read about changes and improvements you can expect in the coming years.
Consumers Union Documents
- Fact Sheet: Reporting Your Income When Buying Health Insurance on Your State’s Marketplace
The new health care law offers special tax credits to help low- and moderate-income people pay for insurance they buy on their state’s Health Insurance Marketplace. This help is available to individuals earning up to about $46,000 a year and a family of four earning up to about $94,000 a year. You can use these Continue Reading
- Health Reform: 7 Things You Need to Know to be Ready
Consumer Reports has developed this brief guide to help you understand how the changes brought about by health reform, the Affordable Care Act (ACA) of 2010, will affect you and your family as it is fully implemented in January 2014.
- Customer Service Principles and Performance Standards for Exchange Call Centers
The Affordable Care Act (ACA) commits to giving consumers applying for affordable health coverage a seamless, top-flight experience. Turning that lofty goal into reality will require performance standards to assure the expectation is met. In some instances, for example, consumers calling an Exchange (Federally Facilitated Exchange also known as an “FFE”, or a state Exchange) Continue Reading
- A ‘Nutrition Facts Label’ for Health Insurance
Starting this fall, all private health insurance plans must use this standard “Summary of Benefits and Coverage.” You’ll be able to compare plans side by side because the information will be laid out in the same way, using the same presentation and language. You’ll see it when you shop for coverage on your own or choose a group plan at your job (but not when you select Continue Reading
- The Evidence Is Clear: Too Many Health Insurance Choices Can Impair, Not Help, Consumer Decision Making
A key question confronting policymakers is whether consumers are better or worse off when provided with as many health insurance choices as possible. Consumers Union reviewed the substantial literature in this area and the evidence is clear. While a few choices are good, too much choice undermines consumer decision making, particularly high stakes decisions involving Continue Reading
- Health Reform: Seven Things You Need to Know Now
Consumer Reports has developed this brief guide to help you understand how the changes brought about by health reform
- REPORT: Choice Architecture: Design Decisions that Affect Consumers’ Health Plan Choices (July 2012)
This CU report explores how six health plan chooser tools use choice architecture to guide consumers’ health plan selections.
- REPORT: Actuarial Value under the Affordable Care Act: Plan Valuation with the Consumer in Mind (June 2012)
This report describes key considerations when measuring health plan generosity – a measure that will play new roles starting in 2014.
Consumers Union and the Center for Democracy and Technology developed a series of privacy recommendations to help guide policymakers as they develop new eligibility, enrollment and retention systems for health care programs under the ACA.
- REPORT: Creating a Usable Measure of Actuarial Value (January 2012)
The health reform law uses the concept of “actuarial value” to standardize the financial protection offered by health plans starting in 2014. This report explores the policies needed to ensure that the new actuarial value requirements result in measures that are meaningful and usable by consumers.
- HealthTaxCreditTool.org explains new financial help available to pay for health insurance costs
The Robert Wood Johnson Foundation (RWJF) and Consumer Reports have created a free, easy-to-use tool that helps people learn how to lower the cost of health insurance plans offered through the new state marketplaces
- Consumer Reports poll finds over one third of consumers more confused on health law since start of open enrollment
Consumer Reports HealthLawHelper.org cuts through opinions to provide consumers with the unbiased facts
- White House initiative to prevent and detect fraud in health insurance marketplaces
Every new program presents an opportunity for scammers to try to take unfair advantage of consumers and these health insurance marketplaces are no different
- Covered California delivers power to compare affordable health choices to consumers
Covered California, the new statewide Marketplace for private health insurance, recently announced proposed rates it negotiated on behalf of Californians.
- Covered California announces health plans, proposed rates
Health insurance exchange offers plans eligible for subsidies, enables Californians to make smart choices
- Consumers Union Unveils New Health Insurance Poll Results in Senate Hearing
The results show the SBC form makes a difference in the consumer health insurance shopping experience
- Simpler Shopping for Health Insurance with New “Facts Label”
Consumers Union Asks for Feedback on New Insurance Disclosure Form
- Consumers Union Marks Two Year Anniversary of Healthcare Reform with New Consumer Guide
The new free guide offers consumers information to get the most out of their healthcare options
- New Consumers Union Report Launches Project to Measure Health Insurance Literacy, Calls for Partners
Testing shows consumers dread buying health insurance largely because they don’t understand it
- Final Health Insurance Label Is a Good Tool for Consumers
This rule is a big step in helping consumers better understand and evaluate their insurance options
- REPORT: Building Mississippi's health insurance exchange Source: Center for Mississippi Health Policy (Sunday January 15, 2012)
Mississippi is moving forward to establish a state-based Health Insurance Exchange by the HHS deadline of January 1, 2014. The Mississippi Insurance Department has applied for and received federal grants to fund the development of the state’s Exchange… Approximately 275,000 Mississippians are anticipated to enroll in coverage through an Exchange once the ACA is fully implemented in 2014. Out of those expected to utilize Mississippi’s Exchange, approximately 229,000 should be eligible for premium subsidies, which will be administered by the federal government in the form of tax credits.
- Timeline of Health Reform Implementation
The Kaiser Family Foundation provides this timeline that explains provisions of the Affordable Care Act and when they go into effect.
- Getting signed up: Mia from California
Mia is a self-employed mom from Oakland, California. She and her family had insurance before the Covered California opened for business. But, she says, “We had a terrible plan with a $12,500 deductible. The costs were going up every year – and in the past few years, they’d gone up every 6 months. Meanwhile, our Continue Reading
- Congratulations to Kentucky Equal Justice Center, winner of the 2014 Consumer Reports Excellence in Consumer Advocacy Award
Consumers Union was proud to present the 2014 Consumer Reports Excellence in Consumer Advocacy Award to the Kentucky Equal Justice Center. Among their many consumer advocacy efforts, KJEC has done significant work to educate Kentucky consumers about their health coverage options under the Affordable Care Act. When Kentucky’s Governor was working to decide whether or not the state Continue Reading
- Share your experience: Managing your health online
This month’s issue of Consumer Reports features an article about how consumers can take advantage of electronic medical records and patient portals to improve their quality of care. Now, we want to hear from you about your experience. Starting this year, doctors and some other healthcare providers will receive financial incentives from the Center for Continue Reading
- Are You Who You Say You Are? Verifying Identity in the Federal Marketplace
Are the standards to confirm your identity to apply for health insurance through the Federal Marketplace too strict? The online Federal Marketplace, HealthCare.gov, has been directing applicants to confirm their identity through a website run by Experian, the largest credit reporting agency. However, at least one consumer reported to us that she attempted to sign Continue Reading
- Consumers should consider options after President’s announcement
Earlier today, President Obama announced that Americans will be able to keep insurance plans—that do not comply with the minimum coverage required by the Affordable Care Act—for another year. This means that consumers who have received cancellation notices from Insurers may be able to keep their insurance plans. In addition, insurers will have to Continue Reading
- Health insurance companies aren’t telling you the whole story
News of “cancellation” notices coming from insurance companies has many consumers worried about their health insurance options, especially because many of the notices offer alternative plans that are very expensive. We encourage you to look at the facts before you worry or make any decisions. First, let’s ask exactly what is happening? Insurance companies are notifying people with individual health Continue Reading
- Add this to your Fall shopping list: New Health Insurance Options!
California was the first state to pass a law creating its own health insurance “marketplace” after the enactment of the Affordable Care Act, also known as Obamacare. The new marketplace, named “Covered California,” will open its virtual doors for business October 1 — great news for the millions of Californians without affordable health insurance. You Continue Reading
- Technology and Website Design Matter When It Comes to Selecting a Health Plan
Cross-posted from the Center for Children and Families at Georgetown University’s Health Policy Institute. This post is part of an ongoing series called Tech Tuesday which explores technology issues related to the implementation of the Affordable Care Act. View more blogs in the series at http://ccf.georgetown.edu/blog/. Over the past two years, like many of you, I Continue Reading
- Demystifying Health Insurance Shopping for Consumers
Covered California, California’s new marketplace that will transform the way consumers shop for affordable health insurance, announced bold action at a press conference today featuring Covered California’s Executive Director Peter Lee and Consumer Reports’ President Jim Guest The event announced how Covered California will transform one of a consumer’s most dreaded tasks—shopping for health insurance—into Continue Reading
- Ask for Your New Health Insurance Summary During Open Enrollment
November is the peak month for employers’ open enrollment for health insurance. You may have several plan options with your employer and you may have other options through your spouse’s employer. Perhaps you shop on your own in the individual market and its time to renew. How are you going to pick the best plan Continue Reading
- ACOs multiply as Medicare announces 27 new ones Source: Kaiser Health News (Tuesday April 10, 2012)
Despite uncertainty over how the Supreme Court will rule on the health law, a key provision intended to help transform the delivery of care is moving ahead. Advocates say “accountable care organizations” can improve care for Medicare beneficiaries and slow rising costs.
- Health Enterprise Zone legislation passes in Maryland Source: Baltimore Sun (Monday April 9, 2012)
A program to improve healthcare in minority areas and reduce health disparities was approved by the Maryland General Assembly over the weekend.
- California health insurance exchange moving ahead Source: San Francisco Chonicle (Thursday April 5, 2012)
California was the first state to set up the reform bill’s core feature, a health benefits exchange – a marketplace for consumers and small businesses to pick and choose among various insurance plans – that is scheduled to open in 2014.
- Proposals laid out for Oregon health overhaul Source: Modern Healthcare (Thursday April 5, 2012)
Groups in every county have said they want to be a new coordinated care organization, or CCO, charged with lowering costs and improving health care for Oregon Medicaid patients.
- Legislation passed to create health exchanges in Maryland Source: Baltimore Sun (Thursday April 5, 2012)
Maryland continued its aggressive implementation of health care change Thursday despite uncertainty surrounding the issue nationally, as the General Assembly passed legislation to create open markets where people will buy insurance.
- Massachusetts primary care physician groups rated on preventive care in new report Source: Boston Globe (Thursday April 5, 2012)
Massachusetts Health Quality Partners released its latest ratings of physician practices on Thursday. The group found that Massachusetts primary care physicians continue to provide high-quality care overall, although notable differences in quality exist.
- The Supreme Court and healthcare: What will the decision mean in Rhode Island? Source: GoLocal Prov (Monday April 2, 2012)
One thing many Rhode Islanders are wondering now is what will happen to the state healthcare Exchange—and the federal subsidies for income-qualifying individuals to purchase through it – if the individual mandate is struck down.
- A single coordinated care organization could emerge in the tri-county area Source: The Lund Report (Wednesday March 21, 2012)
For the past three months, the managed care plans that have been providing healthcare to people on the Oregon Health Plan have been talking about forming a single CCO and intend to file a letter of intent by April 2.
- Feds jump-start health insurance co-ops with loans Source: Kaiser Health News (Tuesday February 21, 2012)
The plans are being started under the health reform law’s Consumer Operated and Oriented Plan (CO-OP) program. The aim is to increase competition among insurers, potentially reducing premiums and improving health care quality and customer service.
- Study: healthcare costs decrease when low-income uninsured are provided coverage Source: UC Irvine (Thursday February 9, 2012)
Enrollment of uninsured patients in a program with benefits comparable to those offered under the Affordable Care Act of 2010 resulted in significant healthcare cost savings, a new study finds.