Sunday, November 9, 2014

The shop-around feature on hc.gov has remained live (though somewhat difficult to find) during the off-season, for hte benefit of people eligible for "special enrollment periods" because they've undergone life-changing events such as job loss or divorce or marriage.  And I'm happy to report that at some point in recent months (or weeks), the pop-up definitions have appeared. They work on the screen grab below:

Monthly premium

$18/mo

One enrollee
Premium before tax credit $181/mo
DeductibleThe amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won't pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.

$6,350/yr

Per individual
Out-of-pocket MaximumYour expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

$6,350/yr

Per individual

Note too that there's a contrast -- perhaps in too-small type? -- between the quote monthly premium and the "premium before tax credit."

I hope that that's a sign of things to come, and that there will be other improvements to the presentati

Friday, November 7, 2014

miss a lot on screens!) and b), it was a core recommendation of an in-depth user study by Penn researchers, described here.
Monthly premium

$18/mo

One enrollee
Premium before tax credit $181/mo
DeductibleThe amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won't pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.

$6,350/yr

Per individual
Out-of-pocket MaximumYour expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

$6,350/yr

Per individual

Healthcare.gov could do more to steer CSR-eligible buyers toward silver plans. The listing of available plans could default to silver, or at least make the sort-by-metal-level feature more prominent, or simply emphasize that the user qualifies for CSR and can only access that aid by buying silver, or warn CSR-eligible buyers more emphatically that they're forfeiting benefits if they begin to buy a not-silver plan. By and large, though, most people seem to have got the message.

Saturday, November 1, 2014

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          State                % bronze         life expect       Diabetes %*   obesity**          median HH
                                                                                                             
US entire
20%
78.9
10.2%
63.4%
51.9k
MS
 8
75.0
12.5
68.9
40.8k
PA
 8
78.5
10.2
64.9
53.9k
AL
 9
75.4
12.3
67.7
41.4k
GA
11
77.2
  9.9
64.6
48.1k
AZ
12
79.6
10.6
62.0
50.6k
FL
13
79.4
11.4
62.1
47.9k
MI
13
78.2
10.5
65.6
48.8k
KY
13
76.0
10.7
66.9
42.1k
SD
14
79.5
  7.8
66.1
54.4k
WV
14
75.4
13.0
68.3
40.2k
AVG group
14.25%
77.4
10.9
65.7
46.8k


          State                % bronze         life expect       Diabetes %     obesity            median HH $
                                                                                                           
US entire
20%
78.9
10.2%
63.4%
51.9k
HI
41
81.3
  7.8
56.1
61.4k
CO
40
80.0
  7.4
55.7
63.4k
WA
38
79.9
  8.8
62.3
60.1k
DC
29
76.5
  8.2
51.9
60.7k
IL
29
79.0
  9.4
64.0
57.2k
IN
28
77.6
10.9
65.5
50.6k
MT
27
78.5
  7.2
61.3
44.1k
AK
27
78.3
  7.0
64.8
61.1k
IA
26
79.7
  9.7
64.7
54.8k
NH
26
80.3
  9.1
62.1
71.3k
AVG group
31.1%
79.1
  8.5
60.8
58.5k

* "Diabetes" = percentage who have ever been told by a doctor that they have Diabetes.

** "obesity" = percentage who are overweight or obese.