Tag Archive: Uninsured

Open Enrollment by the Numbers

health insurance

Open enrollment for Affordable Care Act (ACA; aka Obamacare) coverage ended across the United States in mid-December, but the last few states ended their open enrollment period at the end of January. We wrote in November about the state of Open Enrollment, and discussed the impacts of confusion surrounding the healthcare law earlier this year. …

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ACA Open Enrollment


The Affordable Care Act (ACA; aka Obamacare) Health Insurance Marketplace begins its fifth Open Enrollment period today. American healthcare consumers can sign up on the federal insurance exchange at healthcare.gov or through their state marketplaces. This year, there is increased confusion and anxiety surrounding Open Enrollment due to changes (and attempted changes) made to the …

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What is a Clawback & How it’s Affecting Your Prescription Copays


Americans may be surprised to learn that they could be paying more for their medications with their insurance copay instead of the cash price available to those without insurance. A study published last week found that Pharmacy Benefit Managers (PBMs) undermine claims that negotiated “rebates” with pharmaceutical companies are passed on to consumers. This follows …

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Children’s Health Insurance Program (CHIP) Expires


Congress has allowed the Children’s Health Insurance Program (CHIP), which insures 9 million children in the United States, to expire. The program provided coverage for children in families making under 200% Federal Poverty Level (FPL) as well as to pregnant women. CHIP played a huge part in decreasing the rate of uninsured children from 14% …

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Understanding Health Insurance


by Richard Sagall, M.D. Insurance is really a simple concept. But few people, and even fewer politicians, seem to understand how insurance works and why so many of the promises we hear are impossible. Here are the basic concepts of insurance:   Number 1 – You Never Win with Insurance – You always lose with …

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