Ritter Insurance Marketing, Craig Ritter

CMS Publishes Inaugural Newsletter for Agents and Brokers Regarding ACA

NAHU had been asking for this for many months and here is the inaugural issue of CMS newsletter for Agents and Brokers who participate in the Federally Facilitated Exchanges of the ACA.

17 Aug 14
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New ACA Delay Extends “Non Compliant” Health Insurance Plans Another Year

The administration announced another delay in the ACA today.  This is from The Hill.  This will allow avoid the cancellation of health insurance policies until after the mid-term elections.

5 Mar 14
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A Look at the Marginal Tax Rate on Low Income Families, Post ACA

Here is a quick case study on the impact of phase out of tax subsidies on relatively low income families as they look to earn more household income.  In this example, take a family of 3 with one spouse working a job making $30,000/year (around 150% of poverty level).  Assume they live in PA, in…

6 Feb 14
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CBO Reports that ACA Will Reduce Labor Force by 2.5 Million Workers by 2024

Here is a link to the CBO’s updated 2014 Budget and Economic Outlook projections.  The updated estimates for insurance coverage are found beginning on page 105 and the Labor Market Effects of the ACA are found beginning on page 117. Some of the interesting highlights include:

Are the “Three R’s” of the ACA Going to Cost Taxpayers?

Section 1341, 1342 and 1343 of the Affordable Care Act provides for what are referred to as the “Three R’s” of the ACA.  Here is a description of the Three R’s:  Reinsurance, Risk Corridors and Risk Adjustment.  Risk Corridors, in particular, were NOT scored by the GAO when the ACA was first passed,…

13 Jan 14
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More Cuts Coming to Medicare Advantage in 2015?

This is a follow up to a blog post I added a couple days ago from a financial analyst that sees the growth in Medicare advantage slowing. Forbes contributor, Scott Gottlieb, wrote in a little more detail about the cuts coming in 2015 to the Medicare advantage program.  My primary concern…

8 Jan 14
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Financial Analyst Expects Slower Growth for Medicare Advantage in 2014

This past year was a very strong year for Medicare advantage with enrollment growing by 9% to 15.1 million, however, Carl McDonald who covers Health Care Companies for Citi sees slowing growth in 2014.  The primary reason for the slower growth is due to the reductions in reimbursement which are mandated by the Affordable Care…

5 Jan 14
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Will Medicaid Expansion Decrease Emergency Room Use?

The claim that Medicaid expansion would reduce Healthcare costs by reducing the number of Emergency Room visits by the uninsured was the topic of a recent study.  The study looked at thousands of low income people in Oregon from 2008, some of get Medicaid coverage and some which remained uninsured.  It found that those WITH…

3 Jan 14
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Senator Shaheen to Secretary Sebelius: Address Issues Facing Agents and Brokers

Senator Jeanne Shaheen, New Hampshire Democrat, sent a letter to Health and Human Services Secretary Kathleen Sebelius asking HHS to address issues facing agents and brokers that are preventing agents from signing people up via the Health Insurance Exchanges.  This article is from the Washington Times.

26 Nov 13
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Affordable Care Act – Week One

Although I typically blog on Medicare matters for agents, I wanted to weigh in on week one of the Affordable Care Act’s first ever Open Enrollment.  The Open Enrollment will last for 6 months from October 1st, 2013 through June 30th, 2014, although those looking for coverage effective 1/1/2014 will need to apply by 12/15/13. …

8 Oct 13
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