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Open Enrollment For 2016 Health Coverage Is In Progress

Seating Chair — Saturday, November 7, 2015

By Hilda Schwartz

UPMC Health Plan held its requests to less than 10 percent, sidestepping state Insurance Department review.

As Vicki Alger notes, ObamaCare's ironic twist is that the ObamaCare exchange business is booming for the big insurance companies, which are offering lower premiums to a larger customer base.

All health insurers use predictive modeling and other analytic tools to forecast the cost of claims, but not all health insurers have done well in the individual market.

I hope it all works out, but I'm not convinced that it will. At a time when incomes are stagnant and family assets have fallen, it's hard to make a case to a "young invincible" that health insurance should be placed on par with food, shelter and clothing.

According to the IRS.gov Web site, "Qualifying coverage includes coverage provided by your employer, health insurance you purchase in the Health Insurance Marketplace, most government-sponsored coverage, and coverage you purchase directly from an insurance company". She is also a navigator, helping people sign up for health insurance under the Affordable Care Act.

And although a few of those workers qualify for federal tax credits to offset the cost of premiums when they buy insurance through exchanges, many of them are paying more than they did before Obamacare.

Premiums also are just one component of the cost. "It's not uncommon for hospitals to not participate in the Affordable Care Act because they're not satisfied with the contract provisions that are being offered by insurers in their area", says Dr. Gerald F. Kominski, a health policy professor at UCLA.

The secretary said the open enrollment period ends on January 31, 2016. However, if you would rather talk to someone on the phone about your insurance plan, you can call 1-800-318-2596.

"As a result, hundreds of thousands of Americans will lose their health insurance plans and will have to scramble to find new plans, most likely with higher premiums and deductibles". For example, most plans put medications on different tiers that come with varying out-of-pocket costs.

Mr. DeMichiei said maintaining low rates and breaking even in the government marketplace is part of UPMC's strategy to attract consumers into the system, providing an array of services from health insurance to medical care.

This means that someone with an income of $40,000 would pay a penalty of roughly $750.

"We know a lot more than when we started two years ago", said Maura Collinsgru, program director for New Jersey Citizen Action, which organized a coalition of more than 60 community groups to promote enrollment.

People can dial "211" to get information on locations and events where they can get help.

It's Open Enrollment Season, which is like Christmas time for Obama-lovers who don't have room for real Christmas in their hearts.

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