Open Enrollment 101

For many Floridians, selecting a health insurance plan seems more complicated than ever. With Open Enrollment right around the corner, it’s important to be prepared. The team at Florida Health Choices has compiled useful information to help families, individuals, and licensed professionals better understand their health insurance options. What is Open Enrollment? Open enrollment is the once-a-year period when Floridians are given the opportunity to shop and enroll in health care coverage. This year’s open enrollment begins November 1, 2015, and ends January 31, 2016. If you have insurance through your employer, the open enrollment period can vary. Why Do I Need to Shop for Health…
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Affordable Care Act Not the Only Reason for Higher Premiums

The recent announcement by Florida Healthy Kids that full-pay program participants will experience a rate increase double or triple their current premiums was a devastating blow to many families across the state. According to Florida Healthy Kids, this increase will affect more than 30,000 Floridians and their children. While health care inflation has contributed significantly to these dramatic rate hikes, the premium increases for full-pay families enrolled in Florida Healthy Kids have outpaced private sector premiums by 750 percent over the past 23 years. As the founding director of the program and its former executive leader for nearly two decades, I see many factors that contributed…
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Five Things Realtors Should Know About Their Health Insurance Marketplace

As a Realtor®, you have a lot on your plate – running your business and helping your clients find their dream home or office. You might be thinking you don’t have time to navigate all of your health insurance options to find the best plan for you. That’s why Florida Health Choices has partnered with Florida Realtors® to give you access to your very own private health insurance exchange. Here are five reasons you should check it out: Federal law now requires Americans to purchase health insurance and you don’t want to get caught without it. The IRS fined 7.5 million Americans who didn’t have…
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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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