By now, I think most people know that the sticker price on Exchange insurance policies is not the price most people will pay for their policy. Most people know that subsidies are available to lower the out of pocket monthly premium price for the working middle class. However, there is another class of subsidies that […]
About David Anderson
I'm a research associate at Duke University Margolis Center. I used to be Richard Mayhew, a mid-level bureaucrat at UPMC Health Plan. I started writing here and have not found a reason to stop.
Entries by David Anderson
Sarah Kliff at the Washington Post has a good account of the first week of the Obamacare Exchange Federal war room: Thirty-four states decided to either operate an insurance marketplace in partnership with the federal government, or leave the entire task to the Obama administration. That means, that in about two of every three states, […]
Jay Ackroyd at Eschaton is looking at an insurance grid and is trying to analyze costs for people buying a Bronze plan in New York State. He is making a serious error in what he is analyzing. Benefit grids are not legally binding documents; they are short hand to describe the rough characteristics of a […]
Networks are a key feature of all insurance plans as every provider has a network. A network is a group of providers who have contracted with an insurer to get paid a certain set of rates for a certain set of services performed on the people who are insured by the company. Networks can be […]
When an employee group goes to insurance company to cover its members, it has two basic types of contracts it can buy. The bells and whistles will change dramatically within the type, but there are only two types. The first type is a full insurance model where the insurance company takes on the medical cost […]