PPACA Update: Insurance Marketplaces Delayed

Becky Thorn

No one thought that implementing ObamaCare would be easy, but years after signing the law into effect, key portions of the plan, including the small-business insurance marketplaces, are still not ready. These insurance marketplaces were supposed to be available in 2014, but are now going to take effect in 2015. This could be an indication of other governmental delays to come. In the meantime, insurance companies continue to struggle to meet government-imposed deadlines as the details of PPACA continue to be adjusted and refined.

PPACA small business insurance market delayed a year | Bloomberg News Service

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Is self insurance for small groups a threat to PPACA?

Becky Thorn

Jay Hancock of Kaiser Health News Thunderdome offers a clear and concise overview of the perceived threat of self insurance for small groups. This ongoing debate will be more clearly understood as we move into the state exchanges later this year and beyond.

Small Businesses Pursue Health Law ‘Loophole’ | Kaiser Health News

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The Self-Insured Segment: Can We Afford to Ignore It?

Becky Thorn

Munich Health North America recently published a newsletter dealing with the self-insured segment and whether it should be ignored along with other pertinent issues. Anne Thomas, Assistant Vice President, Excess Medical Underwriter for Munich Re, points out that “fully insured carriers and HMOs who are not active in the employer stop loss space are missing tremendous opportunity.” She discusses the useful role of captives in delivering employer stop loss protection, and the growing interest in such arrangements. The likelihood of declining profitability for the fully insured market and the uncertainty for those catering to the small group and individual markets is analyzed.

Can You Afford to Ignore the Self-Insured Segments? | Munich Health North America

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