tag:blogger.com,1999:blog-8512362.post8644535250893281375..comments2024-03-10T13:59:19.230-04:00Comments on xpostfactoid: Can Hillary Clinton strengthen the ACA without legislation?Andrew Sprunghttp://www.blogger.com/profile/17601269968798865106noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-8512362.post-81487760903043629202016-04-26T21:00:48.755-04:002016-04-26T21:00:48.755-04:00Bob, while Sen. Sheran emphasized that the actuari...Bob, while Sen. Sheran emphasized that the actuarial analysis that would determine MinnesotaCare pricing hasn't been done yet, she did toss out $400 as a sort of starting/guess-point. She also wrote that it would not be age-rated, as you suggested in another comment.Andrew Sprunghttps://www.blogger.com/profile/17601269968798865106noreply@blogger.comtag:blogger.com,1999:blog-8512362.post-64860061549740709072016-04-26T20:36:26.304-04:002016-04-26T20:36:26.304-04:00As someone who has followed the public option issu...As someone who has followed the public option issue very closely since 2008, let me mention a few very important questions:<br /><br />1. What will be the starting price of the public option plan? Minnesota Care costs between $400 and $500 a month, over all ages, which is not terribly cheap. It may have narrow networks, but co-pays and deductibles are tiny so there is high utilization. Anyways, what will be the first premium<br /><br />2. If the public option has claims that exceed revenue, will the public option raise its premiums?<br /><br />I promise you that most people who say they like the public option are assuming that the premiums will NOT increase every year, and that premiums will go up like Medicare Part B while the taxpayers cover any larger losses.<br /><br />I once read about 100 articles on the public option and not one of them echoed my concerns. Maybe Jeff Goldsmith a little. Ywt I still think I am onto some very key questions.bob.hertzhttps://www.blogger.com/profile/09686373408419885558noreply@blogger.comtag:blogger.com,1999:blog-8512362.post-79379670433040441092016-04-25T21:35:40.677-04:002016-04-25T21:35:40.677-04:00Who would buy in? Very few individuals would choo...Who would buy in? Very few individuals would choose to go to city hospitals and bustling clinics. If you are financially strapped, of course, but the minute you have an opportunity to jump--unless these networks really get their game up (read: window dressing, tech, and customer service) and make it worthwhile--there will be a ceiling in growth. It will help, but nothing to build a movement. Again, I have such a big city skew. Mileage will vary in fly over country and second tier cities. Medicaid plays different there.<br />BradBrad Fhttps://www.blogger.com/profile/10366408815395434941noreply@blogger.comtag:blogger.com,1999:blog-8512362.post-89452187899416622552016-04-25T21:12:04.855-04:002016-04-25T21:12:04.855-04:00That may well be true, in that MinnesotaCare lacks...That may well be true, in that MinnesotaCare lacks the Medicaid 'stigma' and is also run by mostly the same (nonprofit) cos that run the private plans, and I gather fields decent networks. But I wasn't suggesting ESI pushed into the pool -- just everyone in the individual market. What if NY allowed buy-in into the Essential Plan, , as NY's Community Service Society proposed pre-ACA (with a plan very like the Essential Plan)?Andrew Sprunghttps://www.blogger.com/profile/17601269968798865106noreply@blogger.comtag:blogger.com,1999:blog-8512362.post-15715829645192857092016-04-25T20:17:43.622-04:002016-04-25T20:17:43.622-04:00Andrew
I can speak for NYS and close friends in CA...Andrew<br />I can speak for NYS and close friends in CA. I just dont see a tilting point at which most middle class plus folks would accept a mgd medicaid network. In MN, most might find something to like at a decent price--but all I can see is massive pushback if ESI folks got jettisoned into that world in some of the weightier states. Its not uniform solution, just a band aid. It would take years to jump start the program in places that hold sway and might move the nation.<br /><br />BradBrad Fhttps://www.blogger.com/profile/10366408815395434941noreply@blogger.com