Let’s Be Careful Out There

As someone who has long opposed the Washington Insurance Commissioner’s regulatory approach to killing association health plans, I understand the anger and frustration of small employers and associations forced to abandon perfectly legal plans for the health care reform tango. BUT, it’s important to remember there’s a huge difference between opposing bad law and policy…

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Association Health Plans – the Wild, Wild West

The Insurance Commissioner’s newly revised rules governing association health plans once again alter the landscape for small employers. Hopefully, the rules last long enough for small employers to make a firm decision when renewing coverage in 2014. Health plan markets have returned to the Wild, Wild West and the regulatory sheriff hasn’t stepped into the…

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How to kill an AHP – drive them mad

After a year of PowerPoint presentations and various emergency rules explaining when and how a small employer could keep existing coverage (they can’t), the Insurance Commissioner (OIC) began adopting rules explaining how insurers should develop and file association health plan rates. It’s all very exciting. Small employers still don’t know how things are going to…

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Washington the Maverick

Washingtonians can feel all “mavericky” compared to other states where Insurance Commissioners have honored the President’s attempt to meet his original commitment to policyholders (remember “grandfathered plans?”). ["Mavericky" - "An adjective used to describe an action that may not make any sense, but is definitely different." (from the Urban Dictionary)]. The California Insurance Commissioner’s positive…

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