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Insurance & Employee Benefits
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Health Care Reform Section
Health Care Reform Quick Terms
|
Advantages |
Concerns |
Individuals |
Affordable health care No pre- No annual or lifetime limits Low cost preventive care |
Higher taxes Individual mandate penalties Less choice |
Employers |
Lower cost alternatives through exchanges Tax credits available to small employers |
Higher taxes Employer plan mandate penalties Less choice Greater regulation |
Brokers |
Change brings opportunities New consulting field emerges |
Reduced commissions Reduced competition Extra work Less incentives |
Carriers |
Better alternative than single payer system Systematic change to simplify & unify administration functions |
Erosion of profits Greater regulation Less flexibility Less innovation |
Providers |
Increase efficiencies Streamline billing & appeals Universal payment system
|
Reduced fees Greater regulation Less autonomy Push for consolidation Greater regulation |
Government |
Capture votes Increase government Increase tax base Reduce Medicare/Medicaid burden Tax dollars granted to states |
System collapses Provisions repealed Loss of votes Increase in deficit spending |
Ancillary |
Increased opportunities Establish new industry Greater flexibility |
Greater regulation |
There are roughly seven directly affected individuals or organizations including the federal and state governments. The chart below outlines a few of the advantages and some possible concerns of each category. Please send your comments to include what you think may be missing.
Government Links
Whitehouse.gov
No Employer Mandate for Small Business
Healthcare.gov
Consumer Operated and Oriented Plans (CO-
Department of Health & Human Services
Internal Revenue Service
AFA Nondiscrimination Provisions Applicable to Insured Group Health Plans
The Center for Consumer Information and Insurance Oversight
Tools from the Carriers
Oxford Health Plans -
The Road to Reform Oxford
Navigating Health Care Reform 2-
Navigating Health Care Reform 100+
Meeting Presentation
Coverage & Admin Provions at a Glance
Essential Health Benefits at a Glance
Health Care Exchanges at a Glance
Medical Loss Ratio at a Glance
Small Employer Tax Credits at a Glance
Employer Requirements at a Glance
Grandfathered Plans at a Glance
Summary of Benefits and Coverage at a Glance
Advantages & Concerns at a Glance
Empire Blue Cross Changes Page 1
Empire Blue Cross Changes Page 2
Disclaimer-
Health Care Reform Tools