Is This the Age of Consumerism?

As a guest of Tom Flanigan on NPR’s Perspectives last month, I joined other panelists to talk about the future of healthcare in the United States. Our conversation covered rising healthcare costs, anticipated premium increases, rate regulation, expansions of coverage, and even ineligible populations. During the show, I also discussed the trend of consumerism, which I view as a very positive change that is influencing the way healthcare is purchased. There may be other definitions of healthcare consumerism, but in my opinion it is the consumer-centric practice of putting economic purchasing power and decision-making into the hands of individuals when it…
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Results of the King v. Burwell Ruling

The Supreme Court of the United States has finally announced a ruling in the case of King v. Burwell upholding the subsidies awarded to Floridians who enrolled in coverage through healthcare.gov. I have been watching and listening from the sidelines as various pundits predicted a variety of dire consequences if the justices had ruled differently. Below are my comments on some of the more common predictions: Prediction: After taking advantage of the insurance subsidies to buy coverage, over one million Floridians will likely owe thousands of dollars back to the IRS at tax time. Result: 1.3 million Floridians and every…
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Setting the Record Straight

With the Supreme Court expected to rule on King v. Burwell in the coming week, healthcare leaders, elected officials and media outlets across the nation are hungry for information about what will happen next. I’ve seen dozens of news stories about the intended effects of a ruling for the plaintiffs and its impact both nationally and here in Florida. The latest of these came from the Palm Beach Post, where opinion staff refers to the Florida Health Choices Marketplace offerings as failing to meet the definition of a “qualified health plan.” I raise this because it’s critical for Floridians to…
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King v. Burwell: Answers to Questions from Wall Street

A lot has been written about the pending decision by the U.S. Supreme Court and I really don’t have an opinion on the matter. However, I have fielded an unusual number of inquiries from financial advisors and researchers on Wall Street so I thought I would try and save myself from a few more conference calls and personal visits by answering their most common questions here. Wall Street: If the court rules against the Obama Administration and premium subsidies are eliminated in states like Florida, what happens? Rose: You ask the question like it’s up or down, black or white, while I see a…
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Rose Naff - CEO Florida Health Choices

What’s in a brand?

I didn’t set out after graduating from college with a plan to launch three separate startup companies but I have.  With each venture, establishing a brand, developing style guides to ensure consistent use of colors and fonts, building brand equity, and protecting the brand became regular items on my executive to-do list. First was the Florida Healthy Kids Corporation.  Seventeen years later, I launched Government Policy Solutions.  In 2010 I was asked to lead Florida Health Choices and the familiar life cycle of brand development commenced for the third time in my career.  However, this time it was different. Initially,…
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Are we coming full circle with children’s health insurance?

Stay with me and I promise this will get interesting. But first, let’s talk about insurance basics which include spreading risk among large groups. In this way, the insurance premiums paid by one person help pay for the loss claims of another. While this does apply to all types of insurance, let’s get specific about how it applies to health insurance: because it is likely that every person at some point will get sick, be injured, or even become disabled, sharing the risk is a critical part of health insurance. When the risk is shared, the group with the lower…
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What the Heck is a Public vs. Private Exchange?

Recently I wrote about health insurance exchanges and after introducing the many different kinds that any one consumer or business may encounter, I was asked to dive a little deeper and differentiate between public and private exchanges. There is no clear winner when it comes to defining an “exchange” to begin with. One resource states it is “a place for buying and selling, typically open only to members.” Another says it’s “a store or shop specializing in merchandise usually of a particular type.”  So it’s not surprising that further differentiation is even more difficult.  Google “public or private exchange” and…
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  • Added: September 30, 2014


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