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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The Health Plan Emergency Has Ended…Right?

The United States Department of Health and Human Services (HHS) has issued guidance to the state Insurance Commissioners recommending individuals and small groups be allowed to continue existing coverage for an additional year. Thankfully, the “emergency” that “forced” the Washington Insurance Commissioner to cripple small group health plan renewals appears to be over. Here was the…

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President Obama Doesn’t Rule Washington

For those asking so optimistically what happens now that President Obama will allow individuals and small groups to “keep their coverage” for another year, I attach the CMS letter to the state Insurance Commissioners recommending that state insurance regulators allow individuals and small businesses to extend current coverage for another year. But wait… Here is…

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