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People sometimes put together a variety of policies, such as short-term and critical illness plans, instead of buying more expensive comprehensive health coverage. But they likely will face federal health law penalties.
Officials have proposed establishing six options for the exchange plans that would set standard deductibles and maximum out-of-pocket spending limits, among other things.
Increased comparative information on health plans is helping consumers shop, says Margaret O鈥橩ane, president of the National Committee for Quality Assurance.
A startup company called BeneStream helps businesses get their low-wage workers on Medicaid to meet the health law's mandate for employers.
Even savvy consumers stumble over terms like 鈥渃oinsurance.鈥
Some insurers are betting that lowering the barrier to seeing a doctor will encourage people to get needed care sooner. If it works, the health plans could save more than they spend on the benefit.
With a two-day extension, December 17th is now the last chance to sign up for Obamacare health insurance coverage聽that starts Jan. 1聽through the federal exchange. Open enrollment for the plans continues through the end of January, however.
But CMS Acting Administrator Andy Slavitt declines to predict fate of the 13 remaining state exchanges in congressional testimony.
Average penalties are set to rise 47 percent next year for Americans who can afford insurance but choose to remain uncovered, according to a Kaiser Family Foundation analysis.
KHN鈥檚 consumer columnist answers questions about the effects a change of income can have on an individual鈥檚 subsidy for insurance premiums and dental care for Medicare beneficiaries.
In a recent interview, Cordani discussed the evolution of exchange health plans as well the proposed merger between Cigna and Anthem.
Experts say Gov.-elect Matt Bevin鈥檚 plan to drop Kynect and use the federal healthcare.gov marketplace would have little impact on consumers, if it happens.
Co-ops, the startup, nonprofit insurance companies ushered in by the health law, have failed in 12 states. But 11 co-ops are still hanging on.
A KHN analysis finds a sharp difference in premium prices between plans that offer out-of-network care and those that do not.
Some analysts and health policy experts view the move as an effort to compel the Obama administration to make changes.
About 33,000 adults have signed up for dental insurance as an unsubsidized, optional benefit through Covered California.
Floridians without health insurance query experts and ponder options as the health law鈥檚 open enrollment season gets underway.
Only 16 percent of the popular plans cover all 10 of the most common drug regimens and charge less than $100 a month in consumer cost sharing, according to a report by Avalere Health.
Open enrollment under Obamacare started Nov. 1 鈥 if you鈥檙e uninsured, now鈥檚 the time to consider options.
Because of the complexity of insurance available through healthcare.gov and state exchanges, and the broad variation in how prescription drugs are covered, experts encourage consumers to compare options to figure out which one best fits their needs.
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