health insurance

Under the healthcare law, those who do not obtain coverage for 2014 face financial penalties of up to 1 percent of their yearly household income, or $95 a person, whichever amount is higher, although even before the deadline extension was announced, there was an array of exemptions for hardships and other reasons. While most Americans know that the law includes fines for those who do not buy coverage, Kaiser found that just 39 percent of the uninsured were aware of the Monday deadline. 

Every few days, text messages like these pop up on the phones of more than 1,000 women in Fresno County, in California’s Central Valley. The messages come in Spanish, alternately offering referrals for affordable healthcare and domestic violence services, legal tips and affirmations. Any resource offered via text has been vetted by a team of women behind the project, called Únete Latina, to confirm that providers there speak Spanish and won’t ask for a Social Security number.

One out of every four American families in 2012 dealt with a medical bill debt burden, according to a data report released by the Centers for Disease Control and Prevention (CDC) in January. And while that statistic, compiled by the National Health Interview Survey, is alarming, even more compelling is the fact that one out of every 10 individuals with medical debt is “unable to pay at all.”

The relentless flow of good news about Obamacare may explain why a growing number of elected Republicans are walking away from the issue.  Two new bits of insurance news suggest progress that backers of reform find quite encouraging. The first explains how governments are competing in the insurance exchanges, simultaneously giving shoppers greater choice and potentially providing profit that can help fund services to indigent Medicaid recipients.  In essence this is the public option that liberals fought hard for, but failed to get into the legislation that was enacted.

The dream standard, which Obamacare does not aspire to meet, is a system that provides any care requested from any provider without worrisome costs.  Such care would include eyeglasses, hearing aids, dental work and unlimited physical and mental therapy, all conveniently available at sites where cost was never a barrier. There is no existing insurance plan in America that provides such a broad menu of services.  While these services may solve real problems, insurance typically limits or excludes them.

Even though the Affordable Care Act will significantly reduce California’s uninsured population, unless county-run health programs are well funded, those who don’t enroll, or cannot enroll because of their income level or their undocumented status, will be left with an “uneven safety net,” according to a study released last week by the Health Access Foundation. The report comes at a time when counties are making crucial decisions in the coming weeks on the scope of their safety net programs for indigent care after the full implementation of the ACA on Jan. 1, 2014.

With close to 10,000 letters in tow, a group of community leaders traveled to Baton Rouge Friday morning to make an in-person delivery to Governor Piyush Jindal. The Jeremiah Group, a faith-based, non-partisan community organization, started their “Life, Liberty, and Healthcare for All” letter campaign in July. The signed letters urge Jindal to accept Medicaid expansion for Louisiana and were collected from residents across New Orleans.

Belay is among some 120,000 Blue Shield customers -- which represent about 60 percent of its individual market -- who received such a letter in recent weeks. Other insurance companies have cancelled policies, telling their customers that their existing policies fall short of the 10 “essential health benefits” the ACA requires all plans to include beginning Jan.1, 2014, the day the health care law is fully implemented.