Entries by Pamela Girardin

Affordable Care Act’s Stimulus to the Healthcare Industry

According to the Bureau of Labor Statistics, between 2003 & 2011, the healthcare sector created 2.67 million jobs. In comparison, rest of the U.S. economy added 850,000 jobs. This post discusses how the Affordable Care Act (ACA) is positively impacting the American economy, particularly in the healthcare sector, and why this trend will continue. The […]

Transcending Healthcare IT with Big Data Analysis

The buzz around big data has brought health industry watchers and senior decision makers to an astute conclusion – big data is valuable and useful. The McKinsey Global Institute has unveiled that big data is capable of generating $300 billion in value every year, if tapped correctly. It can be a means to reduce the […]

California Health Exchange Going Strong – Immune to Mandate Delays

California, the biggest state to reveal health plan details for its health exchange, is moving unabated toward its target of full implementation of Covered California, the state’s health insurance marketplace, by the October 1 deadline. A recent change in the federal mandate removed the penalty against large firms that failed to provide health insurance to […]

Decoded: Healthcare Reforms & HRAs

As October gets closer, a lot of views are surfacing. However, one provision of the Affordable Care Act hasn’t garnered much attention but it does need some serious thought—the Health Reimbursement Arrangement (HRA). The subject of what will become of HRAs in the advent of healthcare reforms seems a bit confusing. To address this, we […]

Minnesota’s Strategy – Control Budget Anomalies with ACA Benefits

A University of Minnesota research study has looked into the budget challenges faced by states complying with the recent health reforms. The study reveals that, irrespective of a state’s decision on Medicaid expansion, most states will receive budget shocks as reforms unfold. The study takes into account the financial ordeal experienced by Massachusetts in 2006, […]

Deciphering the CO-OP Health Insurance Program

CO-Ops, or Consumer Operated and Oriented Plans, were created under Section 1322 of the Affordable Care Act. The federal government has awarded nearly $2 billion for the creation of CO-OPs in 24 states. This post presents details about the CO-OP program and discusses various aspects of its implementation. Understanding the Need for CO-OPs From October […]

Dual Health Exchange, a Pioneering Effort by the State of Utah

The state of Utah is set to break the mold and deliver dual health insurance marketplaces. After a decisive approval by the White House, Utah is set to establish two separate health insurance marketplaces that will cater to individuals and small businesses separately. As per the current approval, two marketplaces will operate in Utah—one managed […]

All You Wanted to Know about Brokers’ Role in the Exchanges — Part 2

What are the common roles & challenges for brokers recruited as Navigators/Assisters? As a navigator or assister, a broker should be able to: •    Establish exchange eligibility of the individual, employer, etc. •    Provide information about different Qualified Health Plans (QHPs) •    Offer information about premium tax credit eligibility •    Offer direct enrollment options •   […]

All You Wanted to Know about Brokers’ Role in the Exchanges— Part 1

Brokers have played a significant role in how health insurance is sold and bought in the U.S. However, with the arrival of the health insurance exchanges, brokers can expect their traditional role to undergo a major change. Getting Started: Exchanges Create Navigator & Assister Roles for Brokers The ACA seeks to address a traditional problem […]

Health Plans & Social Gaming: What’s Brewing?

It seems almost surreal when a connection between health plans and social gaming is proposed. However, there is a definite and growing interest among payers in the customer engagement capabilities of social gaming. There is emerging proof that social gaming can be used as a cost effective tool for better care management and for keeping […]