The rising cost of healthcare is a significant challenge for small businesses, prompting many to explore creative solutions to manage their expenses. According to a recent survey, 62% of small businesses have seen an increase in healthcare costs over the past year, with 45% reporting an increase of 10% or more. As a result, small businesses are being forced to think outside the box to find ways to reduce their healthcare costs without sacrificing the quality of care for their employees.

One approach being taken by some small businesses is to self-insure, where the company pays for employee healthcare claims directly rather than purchasing a traditional insurance policy. This approach can be more cost-effective for small businesses with a healthy workforce, as it eliminates the need to pay premiums to an insurance company. However, it also means that the company is taking on more risk, as it will be responsible for paying for any large or unexpected claims.

Another strategy being used by small businesses is to offer wellness programs and incentives to encourage employees to adopt healthy behaviors. This can include things like gym memberships, healthy snack options, and on-site fitness classes. By promoting healthy behaviors, small businesses can reduce the likelihood of costly health problems down the line. Some small businesses are also offering telemedicine services, which allow employees to access medical care remotely, reducing the need for in-person doctor visits.

Some small businesses are also exploring alternative healthcare models, such as direct primary care. This approach involves paying a flat monthly fee for primary care services, rather than paying for each individual visit or procedure. This can be more cost-effective for small businesses, as it eliminates the need to pay for unnecessary tests or procedures.

In addition, some small businesses are forming coalitions with other companies to negotiate better rates with healthcare providers. By pooling their resources, these coalitions can negotiate lower rates for healthcare services, which can help to reduce costs for all members. Overall, small businesses are being forced to be creative and proactive in managing their healthcare costs, and are exploring a range of innovative solutions to reduce expenses while still providing high-quality care to their employees.

As India celebrates Diwali, the festival of wealth and new beginnings, ManipalCigna Health Insurance has launched a new campaign titled ‘Health Insurance Jiske Paas, Lakshmi Maa Karein Waha Niwaas.’ The campaign emphasizes the importance of protecting health to preserve wealth and prosperity. During Diwali, families often focus on decorations, gifts, and welcoming Goddess Lakshmi, but purchasing health insurance tends to take a backseat. ManipalCigna’s campaign highlights that while wealth can be earned and celebrated, it can only be preserved when health is secure.

The campaign features a unique AI-led storytelling approach, combining cultural roots with modern storytelling and generative AI visuals. The film reimagines Diwali’s traditions and symbols through a contemporary lens, making it stand out. Sapna Desai, Chief Marketing Officer at ManipalCigna, explained that the campaign aims to remind people that good health is the true foundation of wealth. With low health insurance penetration in India, millions of people still rely on out-of-pocket spending for medical care, leading to financial distress.

To spread its message, ManipalCigna has partnered with Zepto for a festive activation. Zepto deliveries will feature creative flyers with the campaign’s core message across seven key cities, bringing the idea of health protection and prosperity directly to families’ doorsteps. The campaign will also be promoted through outdoor billboards and digital platforms, making it an integrated campaign that blends cultural emotion with digital innovation.

The initiative aims to drive awareness around health protection, urging people to see health insurance as an investment in their well-being rather than an expense. By connecting the social truth of low health insurance penetration with the spirit of Diwali, ManipalCigna hopes to remind people that protecting health with insurance is essential for preserving prosperity. The campaign’s message is simple yet powerful: health insurance is not just a necessity, but a way to ensure that wealth and prosperity endure. With this campaign, ManipalCigna continues to drive awareness and promote the importance of health protection in India.

Independent Health, a not-for-profit health insurer based in Buffalo, New York, will join MVP Health Care, another not-for-profit insurer, under a new affiliation agreement. The deal, which is pending regulatory approval, brings together two health insurers serving nearly one million members across New York and Vermont. The combined entity will generate $7 billion in annual revenue and employ over 3,000 people. The affiliation aims to align the strengths of both companies and deepen their commitment to improving healthcare in the region.

According to Michael W. Cropp, President and CEO of Independent Health, the affiliation will allow the company to innovate and stay true to its community-focused approach while preparing for future challenges in healthcare. Chris Del Vecchio, CEO of MVP Health Care, stated that the move is about creating a future-focused healthcare system that empowers individuals to live their healthiest lives.

The affiliation comes as Independent Health reported a loss of $66 million in 2024, despite revenue of $2.5 billion. MVP Health Care, on the other hand, appears to have a healthy balance sheet with excess revenue. The companies will likely seek to generate efficiencies and growth opportunities, including expanding their pharmaceutical benefits business.

While the affiliation may lead to some job losses, Dr. Cropp emphasized that there are no immediate plans for significant workforce reductions. Instead, the company sees opportunities for growth, particularly in the pharmaceutical benefits side of the business. However, some observers note that a larger affiliated entity may have better leverage in dealing with prescription drug manufacturers and healthcare providers, potentially benefiting clients.

The deal has raised concerns about the potential loss of local focus and customer service. Larry Zielinski, former Buffalo General Hospital President, noted that customers often prefer dealing with local companies that are responsive to their needs. However, Independent Health has assured that it will be business as usual for members, providers, employers, and partners, with no immediate changes to coverage, benefits, or local service.

The affiliation agreement is subject to approval by government regulators. If approved, the deal is expected to create a stronger, more competitive health insurer in the region, better equipped to meet the growing needs of its members and communities.

The recent government shutdown has brought attention to the ongoing debate over healthcare, specifically the extension of enhanced Affordable Care Act (ACA) subsidies. The outcome of this debate could significantly impact the cost of health insurance for North Carolinians. For many, including 62-year-old Kelly Fiesler, who has an autoimmune disease and Crohn’s disease, the ACA Marketplace is a lifeline. Thanks to expanded federal subsidies, Kelly and her husband Gerry, 67, currently pay just $60 a month for her coverage. However, if these subsidies expire, their bill could jump to over $450, a 750% increase.

The Fieslers are not alone in their concern. The number of North Carolinians insured through the ACA Marketplace has doubled since before the pandemic, from 500,000 to nearly 1 million, largely due to the affordability subsidies provided. Nicholas Riggs, Director of the NC Navigator Consortium, warns that if subsidies are not extended, people will see their premiums jump two to three times what they are now. This could lead to many middle-income households losing eligibility for subsidies, including those who are too young for Medicare and do not qualify for Medicaid, yet cannot afford to go without medical care.

Currently, individuals making up to $62,000, couples making up to $84,000, and families of four making up to $128,000 qualify for enhanced subsidies. If these subsidies expire, the previous rules will return, potentially eliminating eligibility for many. Riggs advises against panic, stating that even if enhanced subsidies expire, other subsidies and marketplace plans will still be available. He recommends exploring options, including bronze, silver, gold, and platinum plans, which cover 60%, 70%, 80%, and 90% of out-of-pocket costs, respectively.

The decision by Congress will determine whether hundreds of thousands in North Carolina maintain their health coverage. Navigators recommend checking options early and not panicking. For the Fieslers, the uncertainty is already taking a toll. They have made the difficult decision to sell their retirement home of eight years to make ends meet. “It’s about survival,” Gerry Fiesler said. The fate of the ACA subsidies will have a significant impact on the lives of many North Carolinians, and the decision by Congress will be closely watched in the coming months.

A growing trend in the healthcare industry is “Direct Primary Care” (DPC), an affordable alternative to traditional health insurance for day-to-day healthcare costs. DPC allows patients to pay a subscription fee to a primary care doctor, covering services such as checkups, blood work, and routine medical care. This approach gives doctors more control over their practice and more time with patients. Dr. Anna Mirer, a primary care doctor in Milwaukee, has adopted this model and opened her own practice, “Presence Primary Care.” She believes that DPC is the future of healthcare, as it allows her to provide personalized care to her patients without the constraints of insurance companies.

Dr. Mirer’s decision to switch to DPC was motivated by her desire to spend more time with her patients and provide them with the care they need. She says that the traditional insurance-based model limited her ability to do so. With DPC, she can create a tailored experience for her patients, including guiding them on their mental and behavioral health. One of her patients, Lauren Burke, praises Dr. Mirer’s approach, saying that it has brought her peace of mind and helped her with her physiological, mental, and behavioral health.

However, not everyone is supportive of DPC. The Blue Cross Blue Shield Association has expressed concerns that DPC models lack quality and safety measures, integrated information technology, and coordination of benefits across the care spectrum. Despite this, Dr. Mirer believes that DPC is a way of the future, especially given the rising concerns over increased insurance premiums in 2026. She has received more inquiries from potential new clients in the past two weeks, indicating a growing interest in this alternative approach to healthcare.

The concept of DPC has received bipartisan support at the state capitol, but a bill to regulate DPC plans has not yet become law due to opposition from conservative groups. The bill included a rule that doctors cannot discriminate based on gender identity, which has been a point of contention. As the healthcare landscape continues to evolve, it will be interesting to see how DPC develops and whether it becomes a more mainstream approach to healthcare. For now, Dr. Mirer and other DPC doctors are pioneering a new way of delivering healthcare that prioritizes patient care and doctor-patient relationships.

The Idaho Medicaid program has contracted with Medical Transportation Management, Inc. (MTM) to provide non-emergency medical transportation (NEMT) services to Medicaid eligible members who have no other means of transportation. This program covers transportation to and from healthcare services covered under the Medicaid program, both in-state and out-of-state.

To request transportation, members can call MTM at 877-503-1261, visit their website, or use their Transport Service Management Portal. Requests must be made at least two business days before the appointment. MTM will review the request and determine if Medicaid will cover the transportation, based on the least expensive option and the closest available Medicaid provider.

Members can also participate in a mileage reimbursement program if they have a vehicle to transport themselves or family members to appointments. If a member is referred for medical care outside their community, MTM may require a referral from their doctor before scheduling transportation.

MTM provides language assistance at no cost to members who need it, and can be reached through an interpreter at 888-561-8747. Members also have the right to file an appeal or grievance if they have questions or concerns about the transportation services. This can be done by calling 866-436-0457 or completing the MTM “contact us” online form.

The Idaho Medicaid NEMT Team, which oversees the contract with MTM, can be contacted for questions or feedback through an online form, email, or phone at 800-296-0509. The team is responsible for ensuring that Medicaid members have access to reliable and affordable transportation to their medical appointments.

Overall, the Idaho Medicaid NEMT program is designed to provide transportation assistance to Medicaid eligible members who need it, and to ensure that they have access to necessary medical care. By contracting with MTM, the program aims to provide efficient and cost-effective transportation services to members across the state.

The rising cost of health insurance is causing concern among many Americans, particularly those who rely on Affordable Care Act (ACA) plans. If Congress fails to take action, tax credits that have helped many people pay for health insurance will disappear, causing premiums to more than double for subsidized enrollees. This will affect people who are self-employed, work at small businesses, and have part-time jobs.

Many individuals, including Debbie Dalke, Katie McKibben, and Kathleen Frey, are worried about the impact of rising health insurance costs on their families and communities. Dalke is concerned about her mother-in-law, who has dementia and relies on Medicaid, while McKibben is worried about a family member with substance abuse issues. Frey, who has a child with a rare congenital disease, is concerned about the potential loss of local hospital care and the impact on rural communities.

The complexity of health insurance programs is also a major issue, with many people finding it difficult to navigate their options. Misleading ads and lack of clear information are adding to the confusion. Laura Wicks, co-owner of a small business, struggles to provide health insurance for her employees due to the high cost, while Monica Gonzalez, an employee, finds it difficult to afford private health insurance.

The rising costs could have a ripple effect, with younger, healthier people opting out of insurance, leading to higher costs for those who remain insured. This could also lead to hospital closures, particularly in rural areas, and increased costs for the government. The number of people relying on ACA health insurance has increased significantly since the pandemic, with over 24 million people enrolled in marketplace plans in 2025.

The “One Big Beautiful Bill Act” could trigger across-the-board spending cuts, including to Medicare, if it increases the federal deficit. The act also specifies new work requirements for Medicaid recipients, which could lead to many people losing their insurance due to confusion or bureaucratic hurdles.

Dalke and McKibben have tried to meet with their congressman, Bob Latta, to express their concerns, but were met with a staff person instead. They are still awaiting a response from Latta. Democrats have demanded that ACA subsidies be extended, but Republicans have refused. The issue remains unresolved, leaving many people uncertain about their health insurance options and worried about the future of healthcare in the US.

A woman’s experience with a tick bite has sparked a contentious debate over insurance and prior authorization, as reported by The Washington Post. The incident highlights the complexities and challenges of navigating the healthcare system, particularly when it comes to obtaining necessary treatments and medications.

The woman, who remains anonymous, was bitten by a tick and subsequently developed an infection. Her doctor prescribed a course of antibiotics, but the insurance company refused to cover the treatment without prior authorization. This led to a prolonged and frustrating process, with the woman facing significant delays and hurdles in accessing the necessary medication.

The issue of prior authorization has become a major point of contention in the healthcare industry. Insurance companies often require healthcare providers to obtain prior authorization before prescribing certain treatments or medications, ostensibly to ensure that patients receive only necessary and effective care. However, critics argue that this process can lead to unnecessary delays, increased costs, and decreased access to care.

In this case, the woman’s doctor had to spend considerable time and resources to obtain the necessary authorization, which ultimately delayed her treatment. The insurance company’s refusal to cover the treatment without prior authorization added to the woman’s frustration and anxiety, as she was forced towait for an extended period before receiving the medication she needed.

The incident has sparked a broader debate about the role of insurance companies in the healthcare system. While insurance companies argue that prior authorization is necessary to control costs and ensure that patients receive evidence-based care, critics argue that this process can be overly bureaucratic and detrimental to patient health.

The woman’s experience is not an isolated incident, as many patients and healthcare providers have reported similar struggles with prior authorization. The issue has prompted calls for reform, with some advocating for a more streamlined and patient-centered approach to healthcare.

Ultimately, the woman’s experience highlights the need for greater transparency, accountability, and patient advocacy in the healthcare system. As the debate over prior authorization and insurance coverage continues, it is essential to prioritize patient needs and ensure that individuals have access to the care they require without unnecessary delays or hurdles. By examining the complexities of the healthcare system and working towards a more patient-centered approach, we can strive to create a more equitable and effective system that prioritizes the well-being of individuals like the woman who suffered from the tick bite.

The Trump administration has been promoting a type of cheap health insurance that has a significant catch. The plans, known as short-term limited-duration insurance (STLDI), are being touted as a more affordable alternative to traditional health insurance. However, they often come with significant limitations and exclusions that can leave consumers with large medical bills.

STLDI plans are designed to provide temporary coverage for individuals who are between jobs, waiting for other coverage to start, or need a stopgap solution. They are typically cheaper than traditional health insurance plans because they do not have to comply with the same regulations, such as covering pre-existing conditions or providing essential health benefits like maternity care and mental health treatment.

The Trump administration has expanded the availability of STLDI plans, allowing them to be sold for up to 12 months and renewed for up to 36 months. This has led to a surge in sales, with some insurers reporting a significant increase in enrollment. However, consumer advocates and healthcare experts are warning that these plans can be misleading and may not provide adequate coverage.

One of the main concerns is that STLDI plans often exclude coverage for pre-existing conditions, which can leave consumers with significant medical bills if they become ill or injured. Additionally, these plans may not cover essential health benefits, such as prescription drugs, hospital stays, or doctor visits. Some plans may also have high deductibles, copays, and coinsurance, which can make it difficult for consumers to afford medical care.

Furthermore, STLDI plans are not required to provide the same level of transparency as traditional health insurance plans, making it difficult for consumers to understand what is covered and what is not. This can lead to unexpected medical bills and financial hardship.

The promotion of STLDI plans has been criticized by consumer advocates and healthcare experts, who argue that they are not a suitable replacement for comprehensive health insurance. They warn that these plans can leave consumers vulnerable to financial ruin if they experience a medical emergency or chronic illness. The Trump administration’s expansion of STLDI plans has also been seen as an attempt to undermine the Affordable Care Act (ACA), which provides more comprehensive coverage to millions of Americans. Overall, while STLDI plans may seem like a cheap and attractive option, they often come with significant catches that can leave consumers with inadequate coverage and financial hardship.

Thousands of United Healthcare members living in The Villages, Florida, may be forced to switch their health insurance provider due to a dispute between CenterWell Primary Care and United Healthcare. The Villages Health System, which serves over 55,000 people, filed for bankruptcy earlier this year and its assets were transferred to CenterWell Primary Care in September. However, an agreement has yet to be reached between CenterWell and United Healthcare, which is the primary insurance provider for The Villages Health System.

As a result, members who use United Healthcare may have to change their insurance provider, which could cause disruption to their care. The majority of The Villages Health System’s patients use United Healthcare, and many have already selected their plans for 2026. One policyholder, Phyllis McElveen, expressed her concern and frustration, stating that she was not notified about the potential change until recently and that it may not be possible for some people to make a change.

CenterWell’s parent company, Humana, released a statement saying that discussions with United Healthcare are ongoing, but if no agreement is reached, The Villages Health will be unable to accept United Healthcare plans starting January 1, 2026. United Healthcare plans will still be accepted until December 31, 2025. Representatives advise that updates to next year’s health plans must be made before December 7 or during open enrollment, which will take place from January to March next year.

The Villages Health System had initially assured members that they would still receive the same care and that there would be no lapse in coverage during the transition. However, the latest development has caused uncertainty and concern among members. Spectrum News reached out to United Healthcare for a statement, but has yet to receive a response. The situation is still unfolding, and it remains to be seen whether an agreement will be reached between CenterWell and United Healthcare, or if thousands of members will be forced to switch their health insurance provider.

The Affordable Care Act (ACA) is facing a critical juncture as the enhanced premium tax credits that have made healthcare more affordable for millions of Americans are set to expire at the end of the year. If Congress does not extend these credits, over 24 million people who rely on the ACA marketplace for health coverage will see their premiums skyrocket, with some facing increases of over 100%. This will disproportionately affect low- and middle-income individuals, including farmers, ranchers, small business owners, and self-employed people who do not have other health insurance options through their work.

For people like Celia Monreal and her husband Jorge, the potential loss of subsidies is a constant source of worry. Jorge needs knee replacement surgery, and without insurance, they will not be able to afford the procedure. Monreal is concerned about the impact on their family’s health and well-being, saying, “It worries me sometimes, because if you’re not healthy, then you’re not here for your kids.” The Monreals are not alone in their concerns, as millions of Americans are facing similar challenges in accessing affordable healthcare.

The expiration of the tax credits will have far-reaching consequences, including increased healthcare costs, reduced access to care, and a greater burden on hospitals and emergency services. Jason Levitis, a senior fellow at the Urban Institute, warns that “if you have less subsidies for people getting health insurance, you’re going to have less health coverage and less health care. People are going to be sicker and die more.” The potential consequences of inaction are dire, and it is essential that policymakers take immediate action to address this critical issue.

The current government shutdown has further complicated the situation, with Democrats demanding the extension of subsidies as part of any funding deal, while Republicans refuse to negotiate until the government is funded. As the open enrollment period for ACA plans approaches, Americans like Monreal are left to navigate the unknown, facing difficult decisions about their healthcare and financial security.

The impact of the subsidy expiration will be felt across the country, with individuals and families struggling to access affordable healthcare. Erin Jackson-Hill, a 56-year-old in Alaska, is considering forgoing health insurance if the subsidies aren’t extended, while Stan Clawson, a freelance filmmaker in Utah, is exploring new job options that provide health insurance. Chrissy Meehan, a hair stylist in Pennsylvania, is delaying a necessary surgery due to the uncertainty surrounding her healthcare coverage.

In conclusion, the expiration of the ACA subsidies poses a significant threat to the health and financial security of millions of Americans. It is essential that policymakers take immediate action to address this critical issue and ensure that affordable healthcare remains accessible to all. The consequences of inaction will be severe, and it is crucial that we prioritize the health and well-being of our citizens. As Celia Monreal so eloquently puts it, “I work hard, and I’m trying to survive and do it the right way and pay my way. I don’t want free. I just want affordable for my income.”

House Minority Leader Hakeem Jeffries has vowed that Democrats will continue to push for the extension of expiring health insurance subsidies, despite the recent government shutdown ending without the inclusion of these provisions. In an interview with CBS News, Jeffries stated that “House Democrats are in this fight until we win this fight” and that the party remains “strongly opposed” to the bill that passed the Senate with some Democratic support. The bill, which funds the government until late January, did not include the extension of Biden-era enhanced health insurance tax credits that Democrats had been seeking.

The tax credits, which are set to expire at the end of the year, have been a major point of contention in the shutdown negotiations. Democrats had pressed for their extension in exchange for their votes to reopen the government, but were ultimately unable to secure a deal. The expiration of the credits could lead to higher premiums for millions of people who buy insurance on Affordable Care Act exchanges.

Jeffries criticized the deal reached by Senate Democrats, which included a promise from Senate GOP leadership to hold a vote on the tax credits at some point, but no commitment from House GOP leaders. He argued that this deal did not go far enough and that Democrats would continue to push for a more comprehensive solution. Jeffries also touted a separate bill that would extend the health insurance tax credits for three years and announced plans to attempt to force a vote on the measure using a discharge petition.

The New York Democrat emphasized that the fight over the tax credits is not over and that Democrats would continue to prioritize the issue. He noted that constituents are concerned about the high cost of healthcare and are urging Democrats to “keep up the fight” to protect the health care of the American people. Jeffries placed blame for the shutdown on Republicans, stating that they had “embraced a shutdown” rather than working with Democrats to find a bipartisan solution. Overall, Jeffries’ comments suggest that the debate over the health insurance subsidies is far from over and that Democrats will continue to push for their extension in the coming weeks and months.

Millions of Americans are facing uncertainty about their health insurance due to delayed decisions on Affordable Care Act (ACA) subsidies. The proposed deal to end the government shutdown would push any congressional decision on ACA subsidies to December, leaving those navigating open enrollment in limbo. Without these subsidies, the cost of ACA insurance plans could skyrocket in the new year, with some premiums potentially doubling or quadrupling.

President Donald Trump has suggested taking the money for the subsidies and giving it directly to Americans’ personal health savings accounts. However, experts argue that this approach would not provide adequate support for those who rely on ACA subsidies. Sabrina Corlette, co-director of Georgetown University’s Center on Health Insurance Reforms, notes that the extra money would not be useful without underlying insurance, which millions of Americans could lose if ACA subsidies aren’t extended.

The Congressional Budget Office estimates that close to 4 million people would become uninsured if ACA subsidies are not extended. Corlette warns that this could lead to a “premium death spiral,” where healthy people drop their coverage, and sicker people are left with increasing costs. The proposed bipartisan deal to reopen the government includes a Senate vote on the subsidies next month, but the House has made no such promises.

Corlette advises those trying to figure out their healthcare plans to be aware of deceptive marketing tactics by “bad actors” who may try to sell fake or inadequate insurance. She also recommends not waiting to enroll in a marketplace plan, as tax credits will be applied retroactively to those who qualify, even if they have already enrolled.

The Senate has promised a vote on the subsidy extension by the end of the second week of December, if the bill to reopen the government passes. Meanwhile, millions of Americans, including working people, small business owners, and gig economy workers, are left uncertain about their healthcare coverage. Corlette emphasizes that these individuals are not just statistics, but people who are “out there working for a living” and need access to affordable healthcare. The delay in subsidy decisions has significant implications for their financial security and well-being.

The recent vote to reopen the government has raised concerns about the potential impact on health insurance premiums in 2026. The continuing resolution passed by Congress to fund the government through 2024 did not address the looming expiration of the enhanced Affordable Care Act (ACA) subsidies, which are set to end in 2025. This has left many wondering what the future holds for healthcare costs.

The enhanced subsidies, introduced during the COVID-19 pandemic, have helped make health insurance more affordable for millions of Americans. However, their expiration could lead to significant premium increases for many consumers. Without these subsidies, premiums could rise by as much as 50% or more for some individuals and families.

The impact of the subsidy expiration will vary depending on factors such as income level, age, and location. Those who receive subsidies through the ACA marketplace may see their premiums increase, while others who do not receive subsidies may not be directly affected. Additionally, some states may take steps to mitigate the impact of the subsidy expiration by implementing their own measures to control premium costs.

It is essential to note that the subsidy expiration is not a done deal, and Congress may still take action to extend or make permanent the enhanced subsidies. The Biden administration has expressed support for continuing the subsidies, and lawmakers may revisit the issue in the coming months.

In the meantime, consumers can take steps to prepare for potential premium increases. Those who are eligible for subsidies should review their options and consider shopping around for more affordable plans during the upcoming open enrollment period. Additionally, individuals and families can explore other cost-saving measures, such as health savings accounts or employer-sponsored health plans.

The future of healthcare costs is uncertain, and the outcome of the subsidy expiration will depend on various factors, including congressional action and state-level initiatives. While premium increases are possible, it is crucial to stay informed and explore available options to minimize the impact on your wallet. As the situation unfolds, it is essential to monitor updates and be prepared to make adjustments to your healthcare coverage as needed. By staying proactive and informed, you can navigate the changing healthcare landscape and ensure you have access to affordable and quality healthcare.

It’s time to secure health coverage for 2026, and the open enrollment period, which runs from November 1 to January 15, is the perfect opportunity for Texans to find affordable health insurance. Although Congress is not extending enhanced insurance subsidies, subsidies will still be available to make insurance affordable, albeit not as high as they were in the past. If you don’t have a current insurance plan, consider enrolling in the marketplace through HealthCare.Gov. You can start your application, add your information, and see your coverage options. If you need help, contact a local nonprofit application assister.

If you already have Marketplace insurance, update your contact information and annual income projection to ensure you receive timely information about your options. You have until December 15 to choose a plan that will go into effect on January 1, 2026, and you can change your plan through January 15. Keep in mind that if Congress extends the enhanced tax credits, the price of coverage may decrease significantly.

To get free, unbiased advice about your options, reach out to a local ACA Navigator or Certified Application Counselor. They can guide you in choosing the right plan and understanding how plans work. Be cautious of “junk insurance” plans, such as short-term plans, limited duration plans, and healthcare sharing plans, which offer no guarantees or protections of actual health insurance.

All HealthCare.gov plans cover preventive care at no cost to enrollees, regardless of cost or insurer. The original tax credits that have been available since the beginning of the Affordable Care Act will remain in place. You can choose from Gold, Silver, and Bronze plans, with Bronze plans having lower monthly premiums but higher deductibles. Some insurance companies offer Bronze plans with copays to see doctors and get medications without first reaching a deductible.

It’s essential to review plans’ ‘Summaries of Benefits and Coverage’ to see full plan details. Contact your congressional representatives to express your support for extending the enhanced Premium Tax Credits, which will expire on December 31 if Congress fails to renew them. This could put health coverage in jeopardy for over 1 million Texans. By taking action now, you can ensure you have the health coverage you need for 2026.

As a deal to end the government shutdown gains momentum, Catholic organizations are urging lawmakers to address the rising costs of health insurance, which they say is a critical issue affecting many Americans. The shutdown, which has left hundreds of thousands of federal workers without pay, has brought attention to the struggles of low- and moderate-income families who are struggling to make ends meet.

Catholic groups, including the Catholic Health Association and the US Conference of Catholic Bishops, are calling on Congress to take immediate action to reduce health insurance costs, which have skyrocketed in recent years. They argue that the high costs of healthcare are a major concern for many families, who are forced to choose between paying for medical care and other essential expenses.

The Catholic Health Association, which represents over 2,000 Catholic healthcare facilities, has expressed concern about the impact of rising healthcare costs on vulnerable populations, including the poor, the elderly, and those with chronic illnesses. The organization is urging lawmakers to support legislation that would increase funding for programs that help low-income families afford healthcare, such as the Medicaid program.

The US Conference of Catholic Bishops has also weighed in on the issue, emphasizing the importance of affordable healthcare for all Americans. The bishops have called on lawmakers to support policies that would reduce healthcare costs, including measures to increase transparency and competition in the healthcare market.

Catholic organizations are also urging lawmakers to address the issue of surprise medical billing, which can leave patients with unexpectedly high medical bills. They are calling for legislation that would protect patients from these surprise bills and ensure that they are not forced to pay exorbitant costs for medical care.

As the deal to end the shutdown advances, Catholic groups are hopeful that lawmakers will take action to address the critical issue of health insurance costs. They argue that affordable healthcare is a fundamental human right and that it is essential for the well-being and dignity of all Americans. By taking action to reduce healthcare costs, lawmakers can help ensure that all Americans have access to quality, affordable healthcare, regardless of their income or social status. Ultimately, Catholic organizations believe that this is a matter of social justice and that lawmakers have a moral obligation to act to protect the most vulnerable members of society.

The longest federal government shutdown in US history is on the verge of ending, but a crucial healthcare issue remains unresolved. Since 2021, individuals purchasing health insurance through the Affordable Care Act (ACA) marketplaces have received extra assistance in the form of tax credits. However, if Congress fails to reach a compromise, these subsidies will expire for 2026 health plans, affecting approximately 24 million people with ACA plans.

As a result, many consumers will face significant increases in their monthly premiums compared to their 2025 plans during the current open enrollment period. Despite negotiations to reopen the federal government, an informal agreement to vote on the healthcare subsidies in the Senate by mid-December is not part of the official legislative text. This uncertainty leaves millions of people who rely on the ACA marketplaces with concerns about their future healthcare costs.

The ACA marketplace is currently open for enrollment, allowing consumers to shop for next year’s plans. However, without the renewal of subsidies, many individuals and families may struggle to afford healthcare. The situation is particularly concerning for those who have come to rely on the ACA marketplaces for their health insurance needs. As the deadline for resolving the subsidy issue approaches, many are left wondering about the future of their healthcare coverage.

The expiration of subsidies would have a significant impact on the affordability of healthcare for millions of Americans. The ACA marketplaces have provided a vital source of health insurance for many individuals and families, and the loss of subsidies would likely lead to increased premiums and reduced access to healthcare. As the situation continues to unfold, it remains to be seen whether Congress will be able to reach a compromise and ensure the continued affordability of healthcare for those who rely on the ACA marketplaces.

The current government shutdown in the US is largely due to disagreements over healthcare, specifically the Affordable Care Act (ACA), also known as Obamacare. However, a crucial question arises: does health insurance actually save lives? Research suggests that having health insurance can have a significant impact on health outcomes, including mortality rates.

Studies have shown that uninsured individuals are more likely to experience poor health outcomes, including higher mortality rates, compared to those with insurance. A study published in the Annals of Internal Medicine found that uninsured adults are more likely to die from treatable conditions, such as heart disease, diabetes, and infections, due to delayed or foregone medical care.

On the other hand, expansion of health insurance coverage has been linked to improved health outcomes. The ACA, which was enacted in 2010, has led to a significant increase in health insurance coverage, with over 20 million people gaining coverage. Research has shown that Medicaid expansion, a key component of the ACA, has resulted in improved health outcomes, including reduced mortality rates, for low-income individuals.

Moreover, a study published in the New England Journal of Medicine found that states that expanded Medicaid under the ACA saw a 6% reduction in mortality rates among adults aged 20-64, compared to states that did not expand Medicaid. Another study published in the Journal of the American Medical Association found that health insurance coverage is associated with a 25% reduction in mortality rates among adults with chronic conditions.

While the relationship between health insurance and mortality rates is complex, the evidence suggests that having health insurance can have a significant impact on health outcomes. Insurance provides access to preventative care, early detection, and treatment of medical conditions, which can improve health outcomes and reduce mortality rates.

However, the current government shutdown highlights the ongoing debate over the role of government in healthcare. The Trump administration has taken steps to undermine the ACA, including expanding short-term health plans and association health plans, which do not provide the same level of coverage as ACA-compliant plans. The shutdown also puts at risk funding for key healthcare programs, including Medicaid and the Children’s Health Insurance Program (CHIP).

In conclusion, the research suggests that health insurance can save lives by providing access to necessary medical care and improving health outcomes. The ongoing government shutdown over healthcare highlights the need for policymakers to prioritize access to healthcare and work towards finding solutions that promote health and wellbeing for all Americans.

US President Donald Trump has proposed a compromise on health insurance payments to end the ongoing government shutdown. In a Truth Social post, Trump suggested that federal payments currently being sent to insurance companies under the Affordable Care Act (ACA) should be sent directly to Americans. This would allow individuals to purchase their own healthcare, potentially with better coverage and leftover funds. The proposal comes after Senate Republicans rejected a deal offered by Democratic Minority Leader Chuck Schumer, which would have reopened the government and protected federal ACA subsidies for at least one year.

The government shutdown, which began on October 1, is now the longest in US history. Democrats are pushing for a funding bill that includes health-care subsidies, which are set to expire for 24 million Americans at the end of the year. Republicans, on the other hand, want Congress to pass a funding bill without conditions and reopen the government before addressing other issues. Trump’s proposal has not been met with immediate support or comment from congressional leaders, including Senate Majority Leader John Thune and House Speaker Mike Johnson.

In addition to his healthcare proposal, Trump has also reiterated his calls for terminating the Senate filibuster rule, which requires 60 out of 100 members to pass most legislation. Trump believes that abolishing the filibuster would allow Republicans to pass their agenda more easily, and has urged his party to exercise the “Nuclear Option” to change the rule. Senate Republicans have pushed back against this idea, but Trump claims to be making progress with his party on the issue.

The ongoing stalemate between congressional lawmakers has led to a prolonged government shutdown, with no clear end in sight. Trump’s proposal has sparked debate and discussion, but it remains unclear whether it will be enough to break the deadlock and bring an end to the shutdown. As the situation continues to unfold, Americans are left waiting to see how the government will address the looming expiration of healthcare subsidies and the ongoing shutdown. With the clock ticking, lawmakers must find a compromise to avoid further disruption to government services and the lives of millions of Americans.

The US government shutdown has entered its 39th day, with no clear end in sight. President Donald Trump has made it clear that he is unlikely to compromise with Democrats, who are demanding an extension of Affordable Care Act tax credits. Trump has suggested that Congress send money directly to people to buy insurance, but this proposal is not being considered as a solution to end the shutdown. Senate Majority Leader John Thune has signaled an openness to a proposal from moderate Democrats to end the shutdown in exchange for a later vote on the “Obamacare” subsidies.

The proposal, led by Sen. Jeanne Shaheen, would pay for parts of the government and extend funding for everything else until December or January, with the promise of a future healthcare vote. However, it is unclear whether enough Democrats will support this plan, and Trump appears unlikely to support an extension of the health benefits. Some Republicans have expressed openness to extending the COVID-19-era tax credits, but want new limits on who can receive the subsidies.

Trump has called for Republicans to end the shutdown quickly and scrap the filibuster, which requires 60 Senate votes for most legislation. However, Republicans have rejected this call, and Thune is eyeing a bipartisan package that mirrors the proposal from moderate Democrats. The package would replace the current bill and extend government funding until January.

Democrats are faced with a choice: keep fighting for a meaningful deal on extending the subsidies, or vote to reopen the government and hope for the best as Republicans promise an eventual healthcare vote. Sen. Chuck Schumer has persisted in arguing that Republicans should accept a one-year extension of the subsidies before negotiating the future of the tax credits. Sen. Bernie Sanders has called for Democrats to stand strong after their overwhelming victories on Election Day.

The shutdown has significant implications for millions of people, with premiums potentially skyrocketing if the subsidies are not extended. Republicans and Democrats are under pressure to find a solution, with the current bill only extending government funding until November 21. A test vote on new legislation could come in the next few days, and Democrats will have to decide whether to keep fighting for a meaningful deal or vote to reopen the government. The outcome remains uncertain, with both parties dug in and unwilling to compromise.

President Trump met with Hungarian Prime Minister Viktor Orbán at the White House on November 7, 2025, and reiterated his call for Senate Republicans to abolish the filibuster to end the ongoing government shutdown. The filibuster is a Senate rule that requires a 60-vote threshold to advance most legislation. Trump argued that eliminating the filibuster would allow Republicans to pass legislation and “open up the country” quickly.

Trump expressed frustration with Senate GOP leaders who have opposed his request to abolish the filibuster, saying “they’re making a big mistake” and that “only a foolish person would be against that.” He claimed that Democrats would eventually abolish the filibuster if they gain control of the Senate, and that Republicans should do it first to gain an advantage.

The president suggested that abolishing the filibuster would guarantee Republican victories in future elections, saying “we will never lose the midterms, and we will never lose the general election” if they can pass legislation without Democratic obstruction. However, he acknowledged that he doesn’t know how long the shutdown will last, saying “it’s up to the Democrats” to approve a deal to reopen the government.

Trump also claimed that Republicans have voted 14 times to “open up the country,” while Democrats have voted 14 times to “hurt the country.” He expressed openness to a deal with Democrats, but said “I don’t know, we’ll see what they have.” The president’s comments came as the government shutdown continues with no clear end in sight, and as Democrats and Republicans remain at an impasse over funding for Trump’s proposed border wall.

Overall, Trump’s comments reflect his frustration with the legislative process and his desire to use executive power to achieve his goals. However, his call to abolish the filibuster is unlikely to succeed, given the opposition from Senate GOP leaders and the potential consequences for Republican senators in future elections. The shutdown is likely to continue until a deal is reached between Democrats and Republicans, or until one side blinks and agrees to compromise.

As India celebrates the festival of Diwali, ManipalCigna Health Insurance has launched a new campaign titled “Health Insurance Jiske Paas, Lakshmi Maa Karein Waha Niwaas,” which translates to “Where there is health insurance, Goddess Lakshmi resides.” The campaign aims to remind people that while wealth and prosperity are important, they can only be truly enjoyed when health is protected. During Diwali, families often focus on decorating their homes, buying gifts, and welcoming Goddess Lakshmi, the symbol of wealth and abundance, but purchasing health insurance often takes a backseat.

The campaign uses generative AI-powered storytelling and a unique perspective to highlight the importance of health insurance. It beautifully captures the reality that when health is not protected, wealth can quietly slip away. The film combines India’s cultural roots with modern storytelling and AI visuals, reimagining Diwali’s timeless traditions and symbols through a fresh lens. According to Sapna Desai, Chief Marketing Officer of ManipalCigna Health Insurance, the campaign aims to remind people that good health is the true foundation of wealth and that health insurance penetration in India remains low.

To extend its message, ManipalCigna has partnered with Zepto, a delivery service, to feature creative flyers with the campaign’s core message on deliveries across seven key cities. The campaign will also include outdoor billboard activation and digital platforms, making it a truly integrated campaign that blends cultural emotion with digital innovation. The goal of the campaign is to drive awareness around health protection and urge Indians to see health insurance as an investment in their well-being, rather than an expense.

The campaign is particularly relevant in India, where millions of people still depend on out-of-pocket spending for medical care, pushing families into financial distress each year. By connecting the social truth of low health insurance penetration with the spirit of Diwali, ManipalCigna hopes to remind people that protecting health with insurance is an act of preserving prosperity. Overall, the campaign is a powerful reminder of the importance of prioritizing health and well-being, especially during the festive season.

Outpatient Department (OPD) health insurance cover is a type of insurance that provides financial support for routine medical expenses that do not require hospitalization. This type of coverage is essential for managing the costs of doctor consultations, diagnostic tests, prescription medicines, and minor procedures. According to Policybazaar, OPD benefits typically cover general physician visits, specialist consultations, blood tests, X-rays, MRIs, and pharmacy bills.

The cost of a single consultation can be significant, starting at ₹500, while diagnostic tests can range between ₹1,000 and ₹2,000 or more. Without OPD cover, these expenses are paid entirely out-of-pocket, which can be a financial burden for many individuals. Young, working professionals, in particular, may not require hospitalization often, but they still incur OPD costs for health issues such as lifestyle disorders, dental concerns, or skin conditions.

Families with elderly parents, children, or members with chronic health issues may also have frequent doctor visits and medication needs, making OPD insurance a useful tool for managing these recurring expenses. Policybazaar notes that OPD costs form a substantial part of annual medical spending, making such coverage relevant for individuals seeking broader protection beyond hospitalization.

In 2025, OPD health insurance plans are becoming increasingly important for individuals who want to manage their medical expenses effectively. With the rising costs of healthcare, having OPD cover can provide peace of mind and financial security. It is essential for individuals to consider OPD insurance as part of their overall health insurance plan to ensure that they are protected against unexpected medical expenses.

Overall, OPD health insurance cover is a vital component of a comprehensive health insurance plan. It provides financial support for routine medical expenses, helping individuals manage their healthcare costs and avoid financial burden. As the cost of healthcare continues to rise, OPD insurance is becoming increasingly important for individuals who want to ensure that they have access to quality medical care without breaking the bank.

Oscar Health, Inc. is introducing affordable, tech-powered health plans for individuals, families, and businesses in the Dallas/Fort Worth region. The plans will be available on the individual marketplace for 2026 Open Enrollment, starting January 1, 2026. The company offers a range of plans, including Bronze, Silver, and Redesigned Gold Plans, which provide coverage options for all budgets, health needs, and cultural backgrounds.

The plans include convenient access to top providers, $0 virtual urgent and primary care visits, dedicated Oscar Care Guides for one-on-one support, low-cost prescriptions with easy refills and home delivery, and smart technology to help members make informed health decisions. Additionally, Oscar is expanding its Guided Care HMO into Denton, Ellis, and Tarrant counties, which delivers lower premiums and uses technology to link members to primary care providers and specialists.

Oscar also offers innovative programs such as Oswell, a personal health AI agent that empowers members with on-demand support, and HelloMeno, a menopause plan that provides $0 primary care, gynecologist, and behavioral health visits, as well as no-cost labs, hormone therapy, and bone density scans. The company also offers condition-focused plans for members with diabetes, COPD, asthma, and cardiovascular-kidney-metabolic syndrome, which provide critical care for free and can save members up to $800 per year.

Individuals and families can enroll in Oscar’s plans starting November 1, 2025, by visiting Healthcare.gov, calling 1-855-672-2788, or speaking to an insurance agent. Oscar Health, Inc. is a leading healthcare technology company that has been challenging the status quo in the healthcare system since its founding in 2012. The company is dedicated to making a healthier life accessible and affordable for all, and its technology drives superior experiences, deep engagement, and high-value clinical care, earning the trust of approximately 2.0 million members.

The company’s press release contains forward-looking statements, which are subject to risks, assumptions, and uncertainties that are difficult to predict and generally beyond its control. However, with its innovative plans and programs, Oscar Health, Inc. is poised to make a significant impact in the healthcare industry. The company’s focus on serving its members and providing affordable, tech-powered health plans has earned it a reputation as a fan favorite, with more than 3 in 5 members recommending Oscar to their family and friends.

The rising cost of health insurance is affecting many Kansans, particularly those who rely on the Affordable Care Act (ACA) marketplace for coverage. As Congressional lawmakers debate the future of healthcare subsidies, Kansas residents are facing increased premiums and deductibles, making it difficult for them to afford essential medical care.

In Kansas, the average benchmark premium for a 40-year-old individual has increased by 10% this year, with some plans experiencing hikes as high as 20%. This surge in costs is attributed to various factors, including the expiration of temporary subsidies provided by the American Rescue Plan Act (ARPA) and the ongoing COVID-19 pandemic. The ARPA subsidies had helped reduce premiums for many low- and middle-income individuals, but their expiration has left many Kansans struggling to afford coverage.

The Congressional battle over healthcare subsidies has significant implications for Kansas residents. Lawmakers are debating whether to extend the ARPA subsidies, which would help maintain affordable premiums for millions of Americans. However, if these subsidies are not renewed, many Kansans may be forced to choose between paying higher premiums or forgoing health insurance altogether. This could lead to a decline in health outcomes, as individuals may delay or forego necessary medical care due to financial constraints.

The impact of rising health insurance costs is being felt across various demographics in Kansas. Low-income individuals and families, who often rely on Medicaid or ACA marketplace plans, are particularly vulnerable to premium hikes. Small business owners and self-employed individuals, who may not have access to employer-sponsored coverage, are also struggling to afford health insurance. Furthermore, rural Kansans, who often have limited access to healthcare providers and higher costs of living, are disproportionately affected by rising health insurance costs.

To mitigate the effects of rising health insurance costs, Kansas lawmakers and healthcare advocates are exploring alternative solutions. These include expanding Medicaid eligibility, increasing funding for community health centers, and promoting transparency in healthcare pricing. Additionally, some lawmakers are pushing for legislation that would cap prescription drug costs and reduce administrative burdens on healthcare providers. By addressing the root causes of rising health insurance costs and promoting affordable, accessible healthcare, Kansas can work towards improving health outcomes and reducing the financial burden on its residents.

The Affordable Care Act (ACA) marketplace is set to open for enrollment on November 1, but the average monthly premiums for 2026 plans are expected to more than double unless Congress extends subsidies that help cover those costs. The nonpartisan Congressional Budget Office estimates that if the subsidies expire, four million people will lose their coverage and become uninsured. This would have significant ripple effects throughout the community, including an increase in uncompensated care for healthcare providers, particularly in rural areas.

The uncertainty in the health insurance market is contributing to rising costs for consumers, with health insurance premiums increasing due to the uncertainty and financial assistance resources tied to income decreasing. The ongoing government shutdown is largely centered around the debate over extending ACA subsidies, with Democrats insisting that the subsidies must be extended in order to pass a bill to reopen the government.

In Illinois, the state is now running its own marketplace, which is a positive development. However, there are concerns about misinformation and disinformation surrounding the ACA marketplace, including allegations of waste, fraud, and abuse. Claudia Lennhoff, executive director of the Champaign County Health Care Consumers, notes that it is difficult for consumers to abuse the system due to rigorous income verification requirements.

Lennhoff also emphasizes that the issue of eliminating enhanced premium tax subsidies is not about undocumented immigrants, as they have never been eligible for these subsidies. Rather, it is about sound health policy, which would prioritize covering everyone. While enhanced premium tax subsidies were not extended through the budget bill signed into law in July, regular premium tax subsidies are still available.

Open enrollment for ACA plans will take place from November 1, 2025, through January 15, 2026. The Champaign County Health Care Consumers is hosting events to educate the public about the local impact of Marketplace changes and to provide information about the enrollment process. With the future of ACA subsidies uncertain, it is essential for individuals and families to understand their options and take advantage of the available resources to ensure they have access to affordable healthcare.

Kerala is one of the most health-conscious states in India, with a strong emphasis on wellness and prevention. Health insurance companies in the state offer targeted wellness programs and preventive care as part of their policies, which play a significant role in promoting overall well-being. The best health insurance plans for families in Kerala should include features that motivate and encourage policyholders to reach their wellness goals.

One of the key ways that family health insurance plans support wellness and preventive care is through preventive health checkups and screenings. These checkups can help detect illnesses early, reducing the risk of costly hospitalizations and emotional distress. Many insurers also offer wellness incentives, such as discounts on policy premiums, to encourage policyholders to achieve their wellness goals.

In addition to preventive care, some insurers offer wellness services such as dietary counseling, yoga sessions, telemedicine, and mental health programs. These services can improve the quality of life for policyholders and their dependents, addressing common wellness deficits in Kerala. Comprehensive coverage is also essential, with family floater plans or individual health insurance plans that offer traditional health insurance benefits as well as wellness initiatives.

A family health insurance plan that supports wellness and preventive care is crucial in Kerala, where health awareness is high. The state’s high literacy rate and health awareness make its residents more likely to take advantage of preventive care and wellness initiatives, leading to better health outcomes. Early detection of diseases through preventive health checkups and screenings can also reduce the financial burden of medical treatment and improve overall quality of life.

The benefits of a family health insurance plan that supports wellness and preventive care include financial benefits, such as reduced medical costs and lower premiums, as well as improved quality of life. Wellness programs aimed at mental health and diet can improve overall health and prevent chronic conditions. When choosing a health insurance plan, it’s essential to ensure that it explicitly states the wellness benefits being offered and that they apply to dependents as well.

In conclusion, wellness programs and preventive care are just as important as traditional coverage and benefits offered by health insurers. A comprehensive health insurance plan that includes wellness initiatives can provide policyholders with the support they need to achieve their wellness goals and improve their overall health. By choosing a plan that prioritizes wellness and preventive care, families in Kerala can reap the benefits of improved health outcomes, reduced medical costs, and a better quality of life.

As the open enrollment period for the Affordable Care Act (ACA), also known as Obamacare, begins, there are concerns about the potential impact of recent changes on the program. The Trump administration has made several modifications to the ACA, which may affect the number of people who enroll and the quality of coverage. Here are some key groups that should be worried:

1. Low-income individuals and families: The Trump administration has reduced funding for outreach and advertising, which may lead to lower enrollment among low-income individuals and families who rely on the ACA for health insurance. Additionally, the administration has expanded the use of short-term limited-duration insurance plans, which may attract healthier individuals and leave sicker patients with higher premiums.
2. People with pre-existing conditions: The ACA’s protections for people with pre-existing conditions, such as cancer, diabetes, and heart disease, are still in place. However, the Trump administration’s efforts to undermine the law may lead to increased premiums and reduced coverage for these individuals.
3. Young adults: The ACA’s individual mandate, which required most Americans to have health insurance or pay a penalty, has been repealed. This may lead to lower enrollment among young adults, who may opt out of coverage and instead pay the penalty. However, this could also lead to higher premiums for older adults, as the risk pool becomes older and sicker.
4. Rural residents: The ACA’s expansion of Medicaid has been a lifeline for many rural residents, who often have limited access to healthcare services. However, the Trump administration’s efforts to roll back Medicaid expansion may leave these individuals without access to affordable healthcare.
5. Small business owners and self-employed individuals: The ACA’s small business tax credits, which helped small businesses and self-employed individuals afford health insurance, have been reduced. This may lead to lower enrollment among these groups, as they may struggle to afford coverage.

Overall, the changes to the ACA may lead to lower enrollment and reduced coverage for vulnerable populations. The Trump administration’s efforts to undermine the law may also lead to increased premiums and reduced quality of care. As open enrollment begins, it is essential for individuals and families to carefully review their options and seek guidance from navigators or brokers to ensure they have access to affordable and comprehensive health insurance.

The Kerala government’s NORKA Care health and accident insurance scheme for expatriate Keralites and their families has achieved a significant milestone by enrolling over 100,000 beneficiaries within just 40 days of its launch on September 22, 2025. This innovative scheme, implemented by the Kerala government through NORKA Roots, offers comprehensive coverage, including Rs 5 lakh health insurance and Rs 10 lakh accident insurance per family. The enrollment drive has seen extensive participation from the global expatriate community and organizations, with protection set to come into effect from November 1, 2025, coinciding with Kerala Piravi Day.

The scheme provides cashless treatment at approximately 18,000 hospitals across India, including over 500 hospitals in Kerala. Expatriates holding valid NORKA Pravasi ID, Student ID, or NRK ID cards are eligible to enroll, with premium options starting at ₹13,411 for a family floater covering spouse and two children under 25 years. Individual personal insurance is priced at ₹8,101. The scheme has been widely welcomed as a landmark initiative in providing health security to the global Malayali community, with nearly two lakh expatriate Keralites having utilized the NORKA expat ID card service this financial year alone.

An official ceremony to hand over insurance certificates will be held on November 1, 2025, in the presence of Chief Minister Pinarayi Vijayan. The ceremony will be attended by NORKA Roots Resident Vice Chairman P Sreeramakrishnan, New India Insurance Deputy General Manager Joyce Satheesh, and NORKA Roots CEO Ajit Kolassery. The scheme reinforces Kerala’s commitment to the well-being and security of its expatriate population, and expatriates can visit the official NORKA Roots website or use the NORKA mobile application for more details and registration. This initiative is a significant step towards providing health security to the global Malayali community, and its success is a testament to the Kerala government’s efforts to support its expatriate population.

Gold Coast Health Plan (GCHP) has announced the appointment of Suma Simcoe as its new Chief Operating Officer (COO), effective October 15, 2025. Simcoe brings over two decades of managed care experience to the role, having held senior positions at L.A. Care Health Plan and Molina Healthcare. She has a proven track record of transforming complex challenges into sustainable results and has expertise in all aspects of managed care operations, including enrollment, claims, and provider relations.

According to Dr. Felix Nuñez, GCHP’s CEO, Simcoe’s leadership will help strengthen the organization’s infrastructure and ensure the delivery of high-quality, member-centered care for Ventura County. Simcoe has a history of driving measurable outcomes and fostering cultures of continuous improvement and accountability. She is known for her collaborative leadership and ability to translate strategy into action across large, diverse teams.

Simcoe joins GCHP from L.A. Care Health Plan, where she served as Deputy COO and directed strategic planning, performance monitoring, and cross-departmental coordination. She has also held senior roles at Molina Healthcare, overseeing large-scale operations across Medicaid, Medicare, and Exchange lines of business. Simcoe has been recognized for her transformative operational improvements, which have improved automation, enhanced quality performance, and introduced alternative reimbursement frameworks.

Simcoe holds a Bachelor of Science in Behavioral Science with a concentration in Health Care Administration and a minor in Computer Science from Mercy College in New York. She is currently completing her Master of Business Administration at Chapman University. Gold Coast Health Plan serves approximately 240,000 Medi-Cal members in Ventura County through its network of primary care physicians, specialists, behavioral health providers, and hospitals. The organization is committed to providing access to high-quality care and improving its members’ health, including 1 in 3 county residents, 1 in 6 seniors, and 1 in 2 children under the age of 5.

Simcoe expressed her honor at joining Gold Coast Health Plan and contributing to the important work of connecting members with high-quality care and services. She looks forward to working alongside the team to build on the impact they have made thus far through operational excellence and innovation. With Simcoe’s appointment, Gold Coast Health Plan aims to continue delivering high-quality, member-centered care to its members in Ventura County.

The Affordable Care Act (ACA), also known as Obamacare, is currently at the center of a government shutdown. Democrats are fighting to extend tax credits that help people pay for health care through the ACA exchanges, warning that without these subsidies, health care costs would skyrocket for millions of people. As the open enrollment period for 2025 begins, some individuals have started “window shopping” for health insurance plans, and some may see significant increases in their premiums.

Lynn Chernin and Laura Reynolds, two individuals from Tampa, Florida, who currently have ACA plans, were able to view their estimated costs for next year. Chernin’s premium would only increase by about $1 a month, while Reynolds’ premium would jump to over $450 a month, a huge increase from her current $0 premium. Although Reynolds’ new premium is higher, it is still less than what she paid before switching to an ACA plan.

Cynthia Cox, a researcher on the Affordable Care Act for the nonprofit KFF, estimates that on average, most Americans will see their ACA health insurance premiums more than double, with a 114% jump. However, some individuals may not see significant increases in their premiums, and others may be able to mitigate costs by switching to a different plan, such as a bronze plan with a lower premium but a higher deductible.

The longer the government shutdown continues, the more damage it could cause to the health insurance market. Insurers are concerned that people may be scared away by the big premium increases and drop their coverage, leaving them with a sicker average group of people and higher costs. However, there is still time for Congress to make a change and extend the tax credits before they expire on December 31.

Cox advises individuals shopping for ACA marketplace insurance to wait a few weeks to see if a deal is made, and to decide on a health plan before December 15 to lock it in for January 1. She also recommends contacting insurance agents or brokers and making appointments now, as they will be busy this year. Ultimately, the fate of the ACA and the tax credits remains uncertain, and individuals will have to wait and see how the situation unfolds.

The Center on Budget and Policy Priorities has warned that health insurance premium spikes are imminent as tax credit enhancements are set to expire. The American Rescue Plan Act (ARPA) of 2021 provided temporary enhancements to the Affordable Care Act’s (ACA) premium tax credits, which helped make health insurance more affordable for millions of Americans. However, these enhancements are scheduled to expire at the end of 2022, which could lead to significant premium increases for many consumers.

The ARPA enhancements expanded eligibility for premium tax credits to more people and increased the amount of financial assistance available to those who were already eligible. As a result, many people who were previously priced out of the health insurance market were able to afford coverage. However, if the enhancements are allowed to expire, many of these individuals and families will face significant premium increases, making it difficult for them to maintain their coverage.

According to the Center on Budget and Policy Priorities, if the tax credit enhancements expire, premiums for benchmark plans could increase by 53% on average. This would result in a significant increase in the number of uninsured Americans, particularly among low- and moderate-income families. The report estimates that over 3 million people could lose coverage, and many more would face higher premiums, making it difficult for them to afford the care they need.

The impact of the premium increases would be felt disproportionately by certain groups, including low-income families, older adults, and people with pre-existing conditions. These individuals and families often have limited financial resources and may be forced to choose between paying for health insurance or other essential expenses, such as rent, food, and utilities.

To avoid these premium increases, Congress would need to extend the tax credit enhancements beyond 2022. This could be done through legislation, such as the Build Back Better Act, which includes a provision to extend the enhancements through 2025. Alternatively, Congress could pass a standalone bill to extend the enhancements. The Center on Budget and Policy Priorities urges policymakers to take action to prevent the impending premium spikes and ensure that affordable health coverage remains available to all Americans.

The government shutdown has entered its fourth week, and with open enrollment for health insurance approaching, many Americans are concerned about the cost of their coverage. The Affordable Care Act (ACA) provides subsidies to individuals and families, which can help make health insurance more affordable. However, disagreements over the ACA are a leading cause of the shutdown, and if the ACA tax credits expire, insurance brokers warn that customers should prepare for the cost of their health insurance to double.

For people like Dawn Hoefler, who has been receiving subsidies for years, the potential loss of these subsidies is a significant concern. Hoefler has a zero-premium plan and has been able to undergo surgeries and proactive doctor’s appointments without worrying about the cost. However, if the subsidies are not continued, she fears that her health care premiums will increase significantly.

Jane Ahrens, owner of Ahrens Benefits Company, has been guiding clients through the ACA subsidies for over 10 years. She notes that while the system is flawed and expensive, making a large-scale change so close to open enrollment could leave millions of Americans without insurance. Ahrens believes that the subsidies should be kept in place for now and that any changes should be made after the open enrollment period.

The open enrollment period for new health insurance customers begins on November 1, and the renewal process for current customers starts on November 16. With the government shutdown ongoing, it is unclear what the future of the ACA and its subsidies will be. For health insurance customers, it is a wait-and-see situation, and many are anxiously waiting to find out what will happen to their coverage and costs.

The subsidies provided by the ACA can be a significant help to middle-class families, with those earning between $40,000 and $110,000 per year potentially eligible. However, if the subsidies are not continued, many families may struggle to afford health insurance. Ahrens notes that the cost of health insurance is already high, and without subsidies, it could become unaffordable for many people. As the open enrollment period approaches, many Americans are holding their breath, hoping that a solution will be found to keep their health insurance affordable.

Mississippi Insurance Commissioner Mike Chaney has issued a warning that health insurance premiums in the state could increase by over 300% if tax credits under the Affordable Care Act (ACA) are not extended. This could lead to approximately 200,000 residents losing their health insurance coverage. Chaney explained that the increase in premiums would be unsustainable for many Mississippians, who would likely drop their coverage due to the high costs. As a result, there would be fewer people paying for healthcare services, leading to an increase in uncompensated care in emergency rooms.

Chaney illustrated the potential impact of the premium increases, citing the example of a 54-year-old female business owner who currently pays $268 per month for health insurance through Molina Health Care. If the tax credits are not extended, her monthly payment could jump to $890, an increase of over $600. Chaney emphasized that the issue is simply a matter of affordability, stating that “it’s very complicated, but it’s really simple. It’s about money, and it’s about the fact that the average consumer cannot pay the bill without the insurance.”

The potential consequences of not extending the tax credits are far-reaching. If a large number of people lose their health insurance, it could put pressure on healthcare providers to demand more from the remaining commercial market to maintain their revenue streams. This could lead to a ripple effect, where healthcare providers increase their prices to compensate for the loss of revenue, further exacerbating the problem.

Chaney also noted that the cost of health insurance is already a significant burden for many families. For example, a family of four with a decent income could expect to pay around $20,000 per year for health insurance. If the tax credits are not extended, this cost could become even more unaffordable, leading to a significant increase in the number of uninsured individuals in the state.

Overall, Chaney’s warning highlights the critical importance of extending the tax credits under the ACA to prevent a dramatic increase in health insurance premiums and the potential loss of coverage for thousands of Mississippians. Without these credits, the state’s healthcare system could be severely impacted, leading to increased costs and reduced access to healthcare services for those who need them most.

Open enrollment for health care plans has begun, allowing individuals to enroll, renew, or change their plans for the upcoming year. However, many people will experience sticker shock due to rising health care costs. According to Beth Umland, director of Employer Research for Health and Benefits at Mercer, the total health cost of health benefits is expected to increase by 6.5% next year, the highest increase in 15 years. This means that employees will likely see higher paycheck deductions as employers shift more health care costs to them.

The increased costs are driven in part by the use of weight loss drugs, such as GLP-1s, which are contributing to higher prescription drug spending for some larger firms. A survey by the non-partisan health policy research group KFF found that many employers reported higher-than-expected spending on these drugs. As a result, consumers can expect to pay more for healthcare services and goods, with the same services costing more than they did last year.

For individuals who purchase health care plans through the Affordable Care Act (ACA), the situation is even more dire. If the enhanced tax credits expire, premiums could more than double next year. Michelle Mazur, a small business owner, is facing a difficult decision as her family’s premiums could increase from $650 to $1,900-$2,000 per month for the same plan. To cope with the increased costs, Mazur may have to re-enter the workforce or have her husband come out of retirement.

To navigate the rising costs, consumers are advised to carefully review their options during open enrollment. Umland suggests that people should focus on selecting a health plan, rather than rushing through the process. By taking the time to compare plans and consider different options, individuals can make informed decisions about their health care coverage and potentially mitigate the impact of rising costs. Ultimately, consumers will need to be proactive and diligent in order to find affordable health care options in the face of increasing costs.

The US federal government shutdown has entered its 28th day, with Democrats demanding that Republicans agree to extend healthcare subsidies from the Affordable Care Act that are set to expire. If Congress does not act, health insurance premiums are expected to more than double for 20 million people. Dr. Steffie Woolhandler, a distinguished professor of public health at Hunter College-CUNY and co-founder of Physicians for a National Health Program, explains that the purpose of healthcare has become profit-making rather than a public service.

The enhanced subsidies, which were put in place during the pandemic, are a crucial lifeline for many Americans who rely on the Affordable Care Act for healthcare coverage. However, Republicans have refused to extend these subsidies, leading to a standoff with Democrats who are refusing to vote to end the shutdown until the subsidies are extended. Dr. Woolhandler notes that this is just one example of how the Trump administration and Congress are prioritizing the interests of private insurance companies over the needs of the American people.

The refusal to extend the subsidies will affect not just Medicaid recipients, but also small business owners, the self-employed, and middle-income individuals who rely on the Affordable Care Act for coverage. Additionally, the Trump administration’s cuts to Medicaid will have far-reaching consequences, affecting not just the poorest Americans but also community hospitals and rural healthcare providers.

Dr. Woolhandler also criticizes the Medicare Advantage program, which she says is a “giant waste of money” that has raised costs to taxpayers by $80 billion last year alone. She argues that the program is a mistake and that the US should be moving towards a single-payer Medicare for All system, similar to those found in other developed nations.

In a global context, the US stands out for its high healthcare costs and poor health outcomes. Dr. Woolhandler notes that every other developed nation has some form of national health insurance or national health service, and that these systems have been more effective at guaranteeing universal access, making healthcare affordable, and controlling costs. She argues that the US needs to move towards a single-payer system, and that this is the vision that Senator Sanders and others have put forward.

Overall, Dr. Woolhandler emphasizes the need for a fundamental transformation of the US healthcare system, one that prioritizes people’s health over profits. She argues that the current system is unsustainable and that the US needs to learn from the experiences of other countries and move towards a more equitable and effective healthcare system.

The United States is facing a perfect storm that is driving healthcare costs to unprecedented levels. The country’s healthcare system is plagued by a combination of factors, including high drug prices, administrative waste, and rising hospital costs. These factors are contributing to a significant increase in healthcare spending, making it difficult for individuals and families to afford medical care.

One of the main drivers of high healthcare costs is the increasing price of prescription medications. The cost of drugs has skyrocketed in recent years, with some medications costing thousands of dollars per month. This has made it challenging for patients to afford the treatments they need, particularly for chronic conditions such as diabetes and cancer. The high cost of drugs is also affecting the overall cost of healthcare, as insurance companies and government programs are forced to pay more for medications.

Another factor contributing to high healthcare costs is administrative waste. The US healthcare system is complex and bureaucratic, with a significant amount of time and resources spent on administrative tasks such as billing and paperwork. This waste is estimated to cost the healthcare system hundreds of billions of dollars per year, which could be better spent on patient care. The administrative burden is also affecting healthcare providers, who are spending more time on paperwork and less time with patients.

The Affordable Care Act (ACA) marketplace has also played a role in the increasing cost of healthcare. While the ACA has provided health insurance to millions of Americans, it has also led to higher premiums and deductibles for many individuals and families. The high cost of healthcare is also affecting hospitals, which are facing financial pressures due to the increasing cost of providing care. Many hospitals are struggling to stay afloat, particularly in rural areas where the patient population is smaller and less profitable.

The rising cost of healthcare is having a significant impact on the US economy. Healthcare spending accounts for a significant portion of the country’s GDP, and the increasing cost of care is affecting businesses and individuals alike. The high cost of healthcare is also affecting the overall health and wellbeing of the population, as individuals are forced to choose between paying for medical care and other essential expenses. To address the issue of rising healthcare costs, policymakers must take a comprehensive approach that addresses the root causes of the problem, including high drug prices, administrative waste, and the increasing cost of hospital care.

In India, the decision to hospitalize a patient is increasingly being made by health insurance companies rather than doctors. This was the experience of Syam Krishna, a 34-year-old Assistant Commandant in the CRPF, whose four-and-a-half-year-old autistic son, Samarth, fell critically ill in a remote town in Meghalaya. Afterinitial consultations at the local district hospital, Samarth’s condition worsened, and his parents decided to take him to a hospital in Guwahati, a six-hour journey away.

At Apollo Excel Care Hospital, doctors found Samarth’s condition serious enough to warrant immediate admission, and he was treated for viral fever with dehydration. However, when Syam submitted a cashless claim to Care Health Insurance, the insurer rejected it, stating that hospitalization “was not required.” The company claimed that Samarth’s admission was only for evaluation, not treatment, and questioned the family’s claim history, insinuating possible misuse of the policy.

Syam felt cheated and stressed that he and his wife, Spoorthi, had followed the doctor’s medical advice and had no choice but to consult the local hospital first. He argued that the insurer’s decision was wrong and that they were being penalized for making genuine claims in the past. The family eventually approached the Insurance Ombudsman, who ruled in their favor, stating that the denial of the claim was “totally unwarranted and defies logic.” The insurer was ordered to pay the claim amount of Rs 42,907, along with 7.25% interest.

This case highlights a larger issue in India’s health insurance ecosystem, where policyholders often face procedural hurdles and emotional exhaustion despite following every required step. According to the IRDAI Annual Report for FY2023-24, health insurers rejected or disallowed claims worth over Rs 26,000 crore, an increase of around 19% from the previous year. The case also raises questions about the balance of power between insurers, hospitals, and policyholders, with industry observers noting that disputes between insurers and hospitals over the necessity or cost of treatment are common.

Syam’s experience reflects a pattern of claim denial, where insurers often cite inflated billing and non-essential admissions, while hospitals defend their decisions as clinical judgment. In the end, it is often the policyholder who bears the uncertainty and delay. Syam’s story is part of a larger series highlighting cases where individuals and families have faced undue health insurance claim rejections, and it serves as a warning to others to be aware of their rights and to fight for them when necessary.

The government shutdown has reignited the debate over the future of the Affordable Care Act (ACA), also known as Obamacare. The tax credits for people who get health insurance through the ACA marketplaces are set to expire at the end of the year, and Democrats are refusing to vote to reopen the government until Republicans agree to extend the subsidies. Republicans, on the other hand, are insisting that Democrats vote to reopen the government before they will negotiate on the issue.

The ACA, passed in 2010, aimed to decrease the number of uninsured people in the country and make coverage more affordable. In 2021, Democrats expanded premium help during the pandemic, which led to a record 24 million people signing up for insurance coverage through the ACA. However, if the tax credits expire, annual out-of-pocket premiums are estimated to increase by 114%, or an average of $1,016, next year.

Democrats are pushing to extend the subsidies, with some suggesting a permanent extension, while others are open to a shorter period. Senate Democratic leader Chuck Schumer has repeatedly called for a “serious negotiation” on the issue. Republicans, on the other hand, are trying to scale back the ACA, with some wanting to scrap the expanded subsidies and overhaul the entire law. Others have proposed more modest changes, such as lowering income limits and stopping auto-enrollment.

Despite the public stalemate, lawmakers are feeling increased urgency to find a solution as the November 1 open enrollment date approaches. Some Republicans, such as Senator Josh Hawley, are open to extending the subsidies, and bipartisan groups of lawmakers have been discussing potential changes, including income limits and making the lowest-income people pay very low premiums instead of nothing.

A recent poll found that about 6 in 10 Americans are “extremely” or “very” concerned about their health costs going up in the next year, with worries extending across age groups and including people with and without health insurance. The poll highlights the importance of finding a solution to the issue, and lawmakers are under pressure to act before the subsidies expire.

As the shutdown continues, lawmakers are exploring potential compromises, including extending the enrollment dates for the ACA. Democratic Senator Jeanne Shaheen has been talking to lawmakers since the shutdown began, trying to find areas of compromise. With the clock ticking, it remains to be seen whether lawmakers can find a solution that satisfies both parties and avoids a significant increase in health care costs for millions of Americans.

Illinois residents who purchase health insurance through the Affordable Care Act (ACA) marketplace are facing a significant increase in premiums for 2023. According to recent reports, premiums are expected to rise by an average of 78% across the state. This substantial hike is likely to affect over 300,000 Illinoisans who rely on the ACA marketplace for their health insurance coverage.

The main driver behind this increase is the expiration of temporary subsidies provided by the federal government during the COVID-19 pandemic. These subsidies, which were part of the American Rescue Plan Act, helped keep premiums low for many consumers. However, with their expiration, insurance companies are now raising their rates to account for the increased costs.

The 78% average premium hike is a statewide average, with some areas experiencing even higher increases. For example, residents in certain parts of the state may see their premiums rise by as much as 100% or more. This will undoubtedly put a significant strain on many households, particularly those with lower incomes who may struggle to afford the increased costs.

The Illinois Department of Insurance has approved the rate increases, which will take effect on January 1, 2023. The department notes that while the increases are substantial, they are still lower than what insurance companies had initially requested. Nevertheless, the hikes are likely to have a significant impact on the state’s healthcare landscape.

To mitigate the effects of the premium increases, the state is encouraging residents to explore their options and shop around for coverage during the open enrollment period, which begins on November 1. Additionally, some consumers may be eligible for financial assistance, such as subsidies or tax credits, to help offset the increased costs.

The premium hikes in Illinois are part of a broader national trend, with many states experiencing significant increases in ACA marketplace premiums. The increases highlight the ongoing challenges facing the US healthcare system, including rising healthcare costs and the need for affordable, accessible coverage. As the open enrollment period approaches, Illinois residents are urged to carefully review their options and seek assistance if needed to ensure they have adequate and affordable health insurance coverage in 2023.

Open enrollment for health care plans has begun, and individuals can expect to face significant increases in costs. According to Beth Umland, director of Employer Research for Health and Benefits at Mercer, the total cost of health benefits is projected to rise by 6.5% next year, the highest increase in 15 years. This means that employees can expect to see higher paycheck deductions as employers shift more health care costs to their staff. The same health care services and goods that were purchased last year will now cost more.

A survey by the non-partisan health policy research group KFF found that the use of weight loss drugs, such as GLP-1s, is driving up costs for some larger firms. Many employers reported that their spending was higher than expected, with GLP-1s making up a significant portion of their prescription drug spending. This increase in costs will likely be passed on to consumers.

Marketplace customers who purchase health insurance through the Affordable Care Act (ACA) may also see significant premium increases if the enhanced tax credits expire. For example, Michelle Mazur, a small business owner, is facing a potential premium increase of over 200%, from $650 to $1,900-$2,000 per month for the same plan. This would force her to make tough choices, such as re-entering the workforce or having her husband come out of retirement.

To navigate these increased costs, consumers are advised to carefully review their options during open enrollment. Umland suggests that people should spend more time selecting a health plan than they would picking out a television. By carefully considering all available options, individuals can make informed decisions about their health care coverage and potentially mitigate the impact of rising costs. It is essential for consumers to be proactive and take the time to understand their health care options to avoid sticker shock and make the best choices for their needs and budget.

The ongoing government shutdown is posing a significant threat to the US healthcare system, with a looming “health care cliff” that could have devastating consequences for millions of Americans. The shutdown, which has been ongoing for several weeks, has already begun to affect various healthcare programs and services, and the situation is expected to worsen in the coming days and weeks.

One of the most pressing concerns is the impact on the Indian Health Service (IHS), which provides healthcare to over 2.5 million Native Americans. The IHS has already begun to reduce services, including non-emergency surgeries and wellness programs, due to the shutdown. This has left many Native American communities without access to essential healthcare services, including prenatal care, dialysis, and chemotherapy.

Another area of concern is the National Institutes of Health (NIH), which has been forced to halt many of its clinical trials and research studies due to the shutdown. This has not only delayed the development of new treatments and cures for diseases but also put the lives of patients participating in these trials at risk.

The shutdown is also affecting the Food and Drug Administration (FDA), which is responsible for ensuring the safety of the nation’s food and drug supply. The agency has been forced to reduce its inspections and oversight activities, which could lead to contaminated food and drugs entering the market.

Furthermore, the shutdown is also impacting the Centers for Disease Control and Prevention (CDC), which is responsible for monitoring and responding to public health outbreaks. The agency has been forced to reduce its staff and activities, which could lead to delayed responses to outbreaks and a increased risk of disease transmission.

The shutdown is also having a significant impact on the healthcare workforce, with many healthcare professionals, including doctors, nurses, and researchers, being furloughed or working without pay. This has not only caused financial hardship for these individuals but also disrupted the delivery of healthcare services.

In conclusion, the government shutdown is posing a significant threat to the US healthcare system, with a looming “health care cliff” that could have devastating consequences for millions of Americans. The shutdown is affecting various healthcare programs and services, including the IHS, NIH, FDA, and CDC, and is also impacting the healthcare workforce. It is essential that lawmakers take immediate action to end the shutdown and ensure that the healthcare system is protected and able to provide essential services to those in need.

As the cost of health insurance continues to rise, some Americans are considering opting out of insurance and paying for medical care in cash. While this approach may seem appealing, experts warn that it can be a risky and potentially costly decision. Some hospitals and clinics offer self-pay or cash-only discounts for patients who pay without insurance, but these discounts may not always be the best option.

For example, an allergy test or X-ray may be a few hundred dollars cheaper when paid for in cash, but the cost may not count towards the patient’s deductible or out-of-pocket limit. Additionally, if the patient needs more medical visits than expected, they could end up worse off financially. Nonprofit hospitals are required to provide charity care, which is free or discounted, to people who cannot afford it, but this option is typically only available to those who are uninsured or underinsured.

Experts caution that paying for medical care in cash can be a gamble, as it leaves patients exposed to major medical bills if an unexpected emergency occurs. Insurance provides crucial protections, including caps on out-of-pocket costs, access to negotiated rates, and free preventive care. Without insurance, patients may be required to pay the entire cost of care upfront or see a different provider.

For those who are healthy, paying in cash may be a smart move for predictable, lower-cost services such as X-rays or CT scans. However, patients would not have access to their insurer’s negotiated rate, which could be cheaper than paying cash. Even if patients haven’t reached their deductibles, they still get the negotiated rate, which might be cheaper than paying cash.

The risks of paying for medical care in cash are significant. Emergency room visits, hospital stays, or surgeries can cost tens of thousands of dollars, and uninsured patients are billed the full amount. It’s generally not possible to sign up for health coverage after an emergency has already happened, and there’s a narrow period to enroll in health insurance.

Before considering paying for medical care in cash, experts recommend checking if there are federally qualified health centers nearby, which provide low-cost care to underserved populations. Patients can also research the average cash price hospitals may charge for certain medical procedures on websites like Turquoise Health. If a patient does get a lower rate from a doctor, they may need to get an agreement with the entire healthcare team involved.

Ultimately, paying for medical care in cash is not a viable option for people who are not healthy and are likely to use a high amount of healthcare. The self-pay option will be most attractive to the healthy and well-off patient, who may forgo adequate health insurance. Experts warn that this approach can leave patients vulnerable to financial ruin if they experience a medical emergency or require ongoing care. As one expert noted, “If you like Russian roulette, then you’ll like to approach healthcare this way.”

With the ever-evolving landscape of health insurance in India, many individuals are considering shifting to new health insurance plans for enhanced benefits. The decision to port or migrate a health insurance plan is crucial, and it’s essential to understand the differences between the two. Porting refers to shifting to a different plan with a new insurer, while migrating involves moving to a new product with the same insurer.

When deciding between porting and migrating, it’s crucial to assess individual requirements, health needs, and satisfaction with the current insurer. Porting may be a better option when dissatisfaction with the current insurer’s claim service, network hospitals, policy features, or pricing structure arises. On the other hand, migration can be a convenient way to shift to another plan, especially when customers are satisfied with the current insurer and want to explore broader coverage.

However, porting comes with its own set of challenges, including a restrictive timeline, underwriting risk, and potential rejection of the proposal. The process of porting can be initiated only during the annual renewal of the existing policy, and the window for doing so is limited to 45-60 days before renewal. Additionally, if the policy has lapsed or does so during the process of porting, the new insurer can reject the proposal.

It’s also important to note that while benefits like waiting periods for pre-existing diseases can be transferred during porting, loyalty discounts, and features specific to the previous policy will not be carried over. Before switching insurers, it’s essential to evaluate key factors, such as the insurer’s claim settlement ratio, premium affordability, customer service quality, and co-payment or sub-limit clauses.

When selecting a new plan, consider features specific to ongoing medical conditions or future requirements, such as maternity benefits, OPD benefits, and day-care benefits. The restore benefit, which allows reinsuring the sum insured if the limit is exhausted in a given year, is also an essential feature to consider.

Ultimately, the decision to port or migrate a health insurance plan should be made after careful consideration of individual needs and circumstances. It’s crucial to assess whether the new insurer’s offering aligns with both current and future healthcare needs. By doing so, individuals can make an informed decision and choose a health insurance plan that provides comprehensive coverage and meets their evolving needs.

The cost of health insurance premiums on Healthcare.gov is expected to rise by an average of 30% next year, affecting approximately 17 million Americans. This increase is attributed to the expiration of enhanced Affordable Care Act (ACA) health insurance subsidies, which were temporarily extended in 2022 during the COVID-19 pandemic. The subsidies, set to end on January 1, have been a point of contention between Democratic and Republican lawmakers.

Democrats want to continue the expanded subsidies to maintain affordable insurance, while Republicans oppose the extension, citing that the subsidies were never meant to be permanent. Many Republicans aim to revise the entire ACA, rather than just extending the current financial help. The stalemate has resulted in a government shutdown, with Democrats withholding support for funding bills until Republicans agree to extend the subsidies.

The impending expiration of the subsidies has sparked concern among Americans who rely on government tax credits to pay for their health insurance. A study by the Kaiser Family Foundation found that if the enhanced premium tax credits under the ACA end, monthly health insurance premiums could more than double in 2026. This would lead to many people paying two to three times more for their health insurance, potentially forcing them to switch to cheaper plans with less coverage or drop coverage altogether.

One couple, Doug and Shadene Butchart, rely on the enhanced premium tax credits to afford their Gold plan, which costs $1,273.82 per month. They receive $670 in tax credits, leaving them to pay $603.82 monthly. Without the subsidies, they fear they will be unable to afford insurance, which would have severe consequences for Shadene, who has ALS and requires extensive medical care.

The debate over the ACA subsidies reflects the broader political standoff in Washington, with Democrats pushing to maintain the enhanced tax credits and Republicans resisting the extension. The outcome of this impasse could have far-reaching consequences for the health care coverage of millions of Americans next year. If the subsidies expire, many people may face significant increases in their health insurance premiums, potentially leading to reduced coverage or even loss of insurance altogether.

According to a report by The Washington Post, average Obamacare premiums are expected to increase by 30 percent. This significant rise in premiums is based on documents that outline the projected costs of healthcare plans under the Affordable Care Act (ACA), also known as Obamacare.

The expected 30 percent increase in premiums is a substantial jump, and it may have a considerable impact on individuals and families who rely on Obamacare for their health insurance. The rise in premiums is attributed to various factors, including the increasing costs of healthcare, the departure of several major insurance companies from the ACA market, and the uncertainty surrounding the future of the program.

The documents revealing the 30 percent premium increase are likely to be a concern for many Americans who are already struggling to afford healthcare. The ACA was enacted to make healthcare more accessible and affordable, but the rising costs of premiums may undermine this goal. The increase in premiums may lead to higher out-of-pocket costs for consumers, which could make healthcare less affordable for many individuals and families.

The reasons behind the premium increase are complex and multifaceted. One factor contributing to the rise in premiums is the growing cost of healthcare services, including hospital care, prescription medications, and other medical treatments. Additionally, the exit of several major insurance companies from the ACA market has reduced competition, which can lead to higher prices.

The uncertainty surrounding the future of the ACA is also a significant factor contributing to the premium increase. The ongoing debates and controversies surrounding the program have created uncertainty, which can make it challenging for insurance companies to predict their costs and set premiums accordingly. This uncertainty may lead to higher premiums as insurance companies factor in the potential risks and costs associated with participating in the ACA market.

The 30 percent increase in Obamacare premiums is a significant development that may have far-reaching implications for the healthcare system and individuals who rely on the ACA for their health insurance. As the healthcare landscape continues to evolve, it is essential to monitor the impact of this premium increase and explore ways to make healthcare more affordable and accessible to all Americans.

The US government has shut down due to a disagreement between Democratic and Republican lawmakers over healthcare demands. At the center of the issue are tax credits that have made health insurance more affordable for millions of people since the COVID-19 pandemic. These subsidies, which were first put in place in 2021 and extended a year later, are set to expire at the end of the year if Congress doesn’t extend them. Democrats are demanding that the subsidies be extended again, as well as reversing Medicaid cuts made by President Donald Trump’s mega-bill passed this summer.

If the subsidies expire, millions of people who purchase health insurance through the Affordable Care Act (ACA) will see their premiums more than double. An analysis by the Kaiser Family Foundation (KFF) estimates that annual out-of-pocket premiums will increase by 114%, or an average of $1,016, next year. Additionally, millions of people are expected to lose Medicaid coverage due to the cuts in Trump’s bill, which includes over $1 trillion in cuts to Medicaid and food assistance over the next decade.

Democrats argue that healthcare can’t wait and that an extension of the health subsidies needs to be negotiated immediately. They claim that people are already receiving notices of premium increases for next year and that the higher healthcare costs will come at a time when the cost of living is already too high. Republicans, on the other hand, say that negotiations over healthcare can happen after the government is funded and have offered a stopgap measure to keep the government open until November 21.

However, many Republicans in Congress are still strongly opposed to extending the enhanced tax credits, making it unclear if a deal can be reached. The government shutdown has significant implications for millions of Americans who rely on healthcare subsidies and Medicaid. Democrats are insisting that any government funding bill must address their healthcare demands, while Republicans are arguing that those negotiations can happen later. The standoff between the two parties has left millions of Americans facing uncertainty over their healthcare costs and coverage.

A group of international students held a rally in Winnipeg, Manitoba, to urge Premier Wab Kinew to fulfill his promise to restore their health-care coverage. During the 2023 election campaign, Kinew’s NDP party pledged to reinstate the coverage, which was rescinded by the Progressive Conservative government in 2018. However, two years later, international students are still not eligible for provincial health insurance and are forced to pay for private insurance that provides limited coverage.

The students, who gathered outside the premier’s constituency office, expressed their frustration and anxiety about the lack of adequate health-care coverage. Omega Budhathoki, vice-president of external affairs at the University of Winnipeg Students’ Association, noted that students pay over $1,300 for a basic plan that does not cover essential services like prescription drugs. This has led to a situation where students are living in fear of getting sick, as they cannot afford the costs of medical care.

Judith Oviosun-Smith, one of the authors of a 2024 report on the issue, emphasized that the lack of health-care coverage is a major concern for international students. Many students are forgoing medical care due to the high costs, which can lead to critical illnesses and even loss of life. Oviosun-Smith stressed that restoring health-care coverage for international students should be a priority for the province.

In response to the rally, a ministerial spokesperson stated that the Health and Advanced Education departments are working on a solution. Health Minister Uzoma Asagwara acknowledged that restoring programs is more challenging than cutting them but reaffirmed the government’s commitment to reinstating health-care coverage for international students. The protesters are calling for coverage to be reinstated at the start of the next school year, citing their tiredness of waiting for a solution to this critical issue.

When selecting a health insurance policy, it’s crucial to consider several key factors to ensure you choose a comprehensive and reliable plan. A single medical emergency can be financially devastating, making it essential to have a solid health insurance policy in place. Here are seven key factors to keep in mind when comparing health insurance policies:

1. Incurred Claim Ratio (ICR): This ratio indicates the percentage of claims paid out by the insurance company compared to the net premiums collected. A higher ICR suggests that the company is more likely to pay out claims. The ideal ICR range is between 70% and 90%.
2. Claim Settlement Ratio (CSR): This ratio represents the percentage of claims settled by the insurance company. A higher CSR indicates that the company is more efficient in settling claims.
3. Room Rent Limit: This is the maximum amount the insurance company will pay for room rent per day. A higher room rent limit can help reduce out-of-pocket expenses.
4. Waiting Period: This is the time after which the insurance company will start covering certain diseases and medical conditions. A lower waiting period is generally preferred.
5. Network Hospitals: Check the list of network hospitals to ensure that you have access to quality healthcare without financial worries.
6. Exclusions: Review the policy document to understand what is excluded from coverage, such as pre-existing diseases, OPD treatments, and cosmetic surgery.
7. Pre- and Post-Hospitalisation Coverage: Check the coverage period for pre- and post-hospitalisation expenses, such as diagnostic tests, medicines, and follow-up consultations.

Additionally, consider the following factors:

• Co-payment and Deductible Clauses: These can increase your out-of-pocket expenses. Co-payment is a fixed percentage of the claim amount, while deductible is a fixed amount that you need to pay before the insurance company takes care of the rest.
• Policy Document: Carefully review the policy document to understand the terms and conditions, including the waiting period, room rent limit, and exclusions.
• Insurer’s Reputation: Research the insurance company’s reputation, financial stability, and customer service to ensure that you choose a reliable provider.

By considering these factors, you can make an informed decision when selecting a health insurance policy that meets your needs and provides comprehensive coverage. Remember to compare plans from different insurers and read the policy document carefully to avoid financial stress and ensure that you receive the best possible care.

The scope of federal regulation affecting private health coverage has increased significantly since the passage of the Affordable Care Act (ACA) in 2010. The ACA introduced a range of new provisions and requirements for insurers, employer-sponsored plans, and providers, with the goal of expanding health coverage to more individuals and improving the overall quality of care. However, the law has also been the subject of ongoing debate and litigation, with efforts to repeal and replace it, as well as numerous court challenges.

Federal regulations have been categorized into six main areas: access to health coverage, affordability of health coverage, benefit design and adequacy, reporting and disclosure of information, review and appeal of health claims, and other federal standards. The ACA established core market rules to expand coverage, including requirements for premium stabilization and efforts to protect the risk pool. The law also introduced new standards for benefit design and adequacy, such as the requirement that all private, non-grandfathered health plans cover preventive services with no cost sharing for enrollees.

Access to coverage has been a key focus of federal regulation, with efforts to address barriers to coverage, such as preexisting condition exclusions and underwriting. The ACA prohibited insurers from declining to cover or renew coverage due to a person’s health status or claims history, and introduced new rules for premium stabilization and risk pool protection. The law also introduced new standards for financial protection and affordability, such as limits on out-of-pocket costs and requirements for transparency in plan design and operation.

Benefit design and adequacy have also been subject to federal regulation, with requirements for minimum standards for plan design and operation. The ACA introduced new rules for required coverage, including preventive services, and prohibited plans from imposing annual dollar limits on coverage or requiring waiting periods longer than 90 days before employer-sponsored coverage kicks in. States may have additional benefit mandates for state-regulated plans, such as comprehensive coverage requirements for mental health or substance use disorders.

Disclosure, reporting, and transparency requirements have also been introduced, with the goal of making more information available to enrollees and federal agencies. These requirements include disclosure of information to enrollees and the public, as well as reporting to federal agencies. The ACA introduced new rules for claims and appeals processes, including faster and fairer review processes, and established a federal floor of protections for the internal claims and appeals process.

Other federal standards, such as civil rights laws, antitrust laws, and privacy laws, also apply to private health insurance. The Civil Rights Act of 1964 and the Americans With Disabilities Act of 1990 created protections against discrimination based on race, color, national origin, sex, age, and disability. Antitrust laws prohibit anticompetitive practices and mergers by health care providers, hospitals, and insurers, while privacy laws, such as HIPAA, regulate the use of certain patient information. Special privacy protections for substance use disorder information are also regulated under a law known as “Part 2.” Plans and issuers are prohibited from entering into agreements that restrict access to claim, cost, or quality information, known as “gag clauses.”

As the COVID-19 pandemic continues to evolve, many individuals and families who received federal health care subsidies during the public health emergency are facing a critical deadline. The enhanced subsidies, which were introduced as part of the American Rescue Plan Act (ARPA), are set to expire at the end of 2022. Here are five key things to know about the expiring federal health care subsidies:

1. Temporary subsidies: The ARPA subsidies were designed to be temporary, providing financial assistance to individuals and families who purchased health insurance through the Affordable Care Act (ACA) marketplace. The subsidies were intended to help people who had lost their jobs or experienced a reduction in income due to the pandemic. With the subsidies set to expire, many individuals and families will need to reassess their health insurance options.

2. Impact on health insurance premiums: The expiration of the subsidies will likely lead to an increase in health insurance premiums for many people. Without the subsidies, individuals and families may face higher out-of-pocket costs, which could make health insurance unaffordable for some. This may lead to a decrease in the number of people with health insurance, potentially exacerbating existing health disparities.

3. Changes to eligibility: The ARPA subsidies expanded eligibility for health insurance subsidies to more people, including those who had previously been ineligible due to their income level. With the expiration of the subsidies, eligibility will revert to pre-ARPA levels, which may mean that some individuals and families will no longer qualify for financial assistance. This could lead to a loss of health insurance coverage for some people.

4. Options for those losing subsidies: Individuals and families who are losing their subsidies may have other options for affordable health insurance. For example, they may be eligible for Medicaid or the Children’s Health Insurance Program (CHIP), or they may be able to purchase health insurance through their employer. Additionally, some states have established their own subsidy programs to help residents afford health insurance.

5. Uncertainty about future subsidies: The future of the federal health care subsidies is uncertain, and it is unclear whether Congress will extend or modify the subsidies. Some lawmakers have proposed making the ARPA subsidies permanent, while others have suggested alternative solutions, such as expanding Medicaid or introducing new subsidy programs. As the deadline for the expiration of the subsidies approaches, individuals and families are advised to explore their options and prepare for potential changes to their health insurance coverage.

In conclusion, the expiration of the federal health care subsidies at the end of 2022 will have significant implications for individuals and families who have been relying on them to afford health insurance. With the potential for increased premiums, changes to eligibility, and uncertainty about future subsidies, it is essential for those affected to explore their options and plan for the future. By understanding the implications of the expiring subsidies, individuals and families can make informed decisions about their health insurance coverage and ensure that they have access to affordable, quality care.

Higher Obamacare prices have become public in a dozen states, according to a recent report by The New York Times. The increased prices are a result of various factors, including rising healthcare costs, changes in the insurance market, and the ongoing COVID-19 pandemic. The price hikes are expected to affect millions of Americans who rely on the Affordable Care Act (ACA), also known as Obamacare, for their health insurance.

In the dozen states where the new prices have been made public, the average increase in premiums ranges from 5% to 15%. Some states, such as Illinois and Michigan, are seeing even higher increases, with premiums rising by as much as 25%. The increased prices are likely to be a burden for many consumers, particularly those who are already struggling to afford healthcare.

The main drivers of the price increases are rising healthcare costs, including higher hospital and doctor fees, as well as increased costs for prescription medications. Additionally, the ongoing COVID-19 pandemic has led to increased costs for insurance companies, which are being passed on to consumers in the form of higher premiums.

The price increases are also being driven by changes in the insurance market, including the departure of some insurance companies from the ACA market. This has reduced competition and given remaining insurers more power to raise prices. Furthermore, the Trump administration’s decision to expand the use of short-term health plans, which are not required to comply with ACA regulations, has also contributed to the price increases.

The increased prices are likely to have a significant impact on consumers, particularly those who are already struggling to afford healthcare. Many people may be forced to choose between paying higher premiums or opting for less comprehensive coverage. Others may be forced to go without health insurance altogether, which could have serious consequences for their health and well-being.

It is worth noting that the price increases are not uniform across all states, and some states are seeing smaller increases or even decreases in premiums. Additionally, many consumers will be eligible for subsidies to help offset the cost of their premiums, which could reduce the impact of the price increases. However, for many Americans, the higher Obamacare prices will be a significant burden, and could have serious consequences for their health and well-being.

The United States has experienced a significant increase in health spending over the past few decades, driven by factors such as an aging population, rising rates of chronic conditions, advancements in medicine, and higher prices. While these factors are also present in other large and wealthy nations, the US has relatively high health spending compared to its peers. The US health system is fragmented, with multiple private and public payers, and a mainly fee-for-service payment system. Additionally, the US federal and state governments have generally done less to directly regulate or negotiate prices paid for medical services or prescription drugs, resulting in higher prices for the same brand-name prescription drugs, hospital procedures, and physician care.

Hospital and physician services account for approximately half of total health spending in the US, with hospital spending representing 31.2% of overall health spending in 2023, and physicians/clinics representing 20.1% of total spending. Prescription drugs are also a significant contributor to health spending, with retail prescription drugs experiencing the fastest growth in spending at 8.6% from 2020 to 2023. Private insurance spending has grown much faster than Medicare and Medicaid spending per enrollee, with private insurance often paying higher prices for health care compared to prices paid by Medicare and Medicaid.

The Bureau of Economic Analysis (BEA) has developed a Health Care Satellite Account, which estimates spending and price growth by disease category. This approach shows that the largest categories of medical services spending include the treatment of circulatory diseases, musculoskeletal conditions, and infectious diseases. Health spending is a function of prices and use, and people and health plans in the US often pay higher prices for the same prescription drugs or hospital procedures than people in other large and wealthy nations. The COVID-19 pandemic has led to fluctuations in health care use, with a sharp decrease in health utilization in 2020 followed by an increase in 2021.

The main drivers of health costs in the US are higher prices, rather than higher utilization. In fact, Americans generally have shorter average hospital stays and fewer physician visits per capita compared to other countries. The US health system’s unique features, such as its fragmented and fee-for-service payment system, contribute to its high health spending. To contain health costs, it is essential to understand the components of health spending and identify areas where cost containment efforts could be most effective. This can be achieved by examining trends in health spending by type of service, source of funds, and disease category, as well as analyzing prices and utilization. By addressing the underlying drivers of health costs, the US can work towards reducing its high health spending and improving health outcomes.

ManipalCigna Sarvah has been awarded the ‘Product of the Year 2025’ in the health insurance category. This prestigious award recognizes outstanding products that have made a significant impact in their respective industries. ManipalCigna Sarvah, a comprehensive health insurance product, has been acknowledged for its innovative features and benefits that cater to the evolving needs of customers.

The Product of the Year award is a prestigious recognition that is based on a robust research methodology, involving a survey of over 10,000 consumers across the country. The award is given to products that have demonstrated excellence in terms of innovation, quality, and customer satisfaction. ManipalCigna Sarvah’s win in the health insurance category is a testament to its commitment to providing customer-centric solutions that meet the changing needs of the market.

ManipalCigna Sarvah is a holistic health insurance product that offers a wide range of benefits, including comprehensive coverage, flexible plans, and personalized services. The product is designed to provide customers with financial protection against medical expenses, while also promoting healthy habits and preventive care. With its innovative features and benefits, ManipalCigna Sarvah has set a new benchmark in the health insurance industry.

The award is a significant milestone for ManipalCigna, a leading health insurance provider in India. The company has been at the forefront of innovation in the health insurance industry, introducing new products and services that cater to the diverse needs of customers. ManipalCigna’s commitment to excellence and customer satisfaction has earned it a reputation as a trusted and reliable health insurance provider.

The recognition of ManipalCigna Sarvah as the ‘Product of the Year 2025’ is a reflection of the company’s dedication to delivering high-quality products and services that meet the evolving needs of customers. With this award, ManipalCigna has reinforced its position as a leader in the health insurance industry, and is poised to continue its legacy of innovation and excellence in the years to come.

The award is also a testament to the growing importance of health insurance in India. As the country’s healthcare landscape continues to evolve, there is an increasing need for innovative and customer-centric health insurance products that cater to the diverse needs of customers. ManipalCigna Sarvah’s win in the health insurance category highlights the company’s commitment to addressing this need, and its dedication to providing high-quality health insurance solutions that promote healthy habits and financial protection.

The US government shutdown has brought attention to the issue of extending Affordable Care Act (ACA) tax credits, which are set to expire in December. Democrats are pushing for an extension, citing the urgency of the situation, while Republicans argue that there is plenty of time to figure it out. The tax credits make ACA health care premiums affordable for many Americans, and their expiration could lead to a significant increase in premiums.

A recent poll found that over 78% of the public, including majorities of Democrats, independents, Republicans, and MAGA supporters, favor extending the enhanced ACA tax credits. Insurance commissioners, including North Dakota’s Jon Godfread, are also calling for an extension, citing the need to act before open enrollment begins on November 1.

If Congress fails to extend the subsidies, premiums are expected to double for many consumers next year, potentially driving people to go uninsured. The Congressional Budget Office estimates that 4 million people will become uninsured in the next few years if the enhanced tax credits expire. Most enrollees in the ACA marketplaces live in states that President Trump won, and they are often small business owners, farmers, ranchers, or gig workers.

The subsidies are expensive for the government, with the Congressional Budget Office estimating that extending them permanently would cost $350 billion over the next decade. Conservative groups oppose the enhanced subsidies, arguing that they were meant to be temporary during the COVID-19 pandemic and that extending them will exacerbate rising health care costs. However, some Republicans, such as Rep. Marjorie Taylor Greene and Sen. Josh Hawley, support extending the tax credits or coming up with a different plan to prevent dramatic rate hikes for consumers.

The debate over the ACA tax credits is complex, with different opinions on the urgency of the situation and the potential consequences of not extending the subsidies. However, with open enrollment approaching, the need for a solution is becoming increasingly pressing. As Godfread notes, the discussion about rising health care costs is separate from the need to extend the subsidies, which have helped provide access to consumers. Ultimately, the fate of the ACA tax credits will depend on the ability of lawmakers to come to an agreement, and the consequences of their decision will be felt by millions of Americans who rely on the ACA marketplaces for their health insurance.

Many employers offer mental health care benefits to their employees, but the effectiveness of these benefits is often questionable. While it’s commendable that companies are acknowledging the importance of mental health, simply offering benefits is not enough. The quality and accessibility of these benefits are crucial in determining their effectiveness.

Some common issues with employer-provided mental health benefits include limited coverage, long wait times, and lack of diversity in treatment options. For example, a company may offer counseling services, but only with a limited number of sessions or with a long waiting period. This can be frustruating for employees who need immediate help or have complex issues that require more intensive treatment.

Another issue is the lack of transparency and education about mental health benefits. Employees may not be aware of the benefits available to them or may not know how to access them. This can lead to underutilization of benefits and a lack of support for employees who need it.

Moreover, mental health benefits are often stigmatized, and employees may be hesitant to use them due to fear of judgment or repercussions. This stigma can be perpetuated by companies that don’t prioritize mental health or create a culture that supports openness and honesty about mental health issues.

To make mental health benefits more effective, employers should prioritize accessibility, diversity, and transparency. This can include offering a range of treatment options, such as therapy, meditation, and employee assistance programs. Companies should also educate employees about the benefits available to them and create a culture that supports mental health.

Additionally, employers should consider the specific needs of their workforce and tailor their benefits accordingly. For example, a company with a high-stress work environment may want to offer more intensive counseling services or stress management programs. By taking a proactive and supportive approach to mental health, employers can create a healthier and more productive work environment.

Ultimately, offering mental health care benefits is a good start, but it’s only the first step. Employers must prioritize the quality and accessibility of these benefits to ensure that they are effective in supporting the mental health and well-being of their employees. By doing so, companies can create a positive and supportive work environment that benefits both employees and the organization as a whole.

The health insurance system in India is failing to deliver on its promise of providing a safety net for families in need of medical care. Despite the industry’s rapid expansion, with a growth rate of 9% in the full financial year FY25, and a gross premium collection of approximately Rs. 1.18 lakh crore, the system is plagued by bureaucracy, delayed responses, and claim denials. Insurers are rejecting claims at an alarming rate, with only 71.3% of claims being approved by value in FY24.

The cost of staying insured is also skyrocketing, with premium hikes of 20-25% each year, far outpacing wage growth. Medical inflation is running at 13-14% annually, and families are struggling to keep up with the rising costs. A LocalCircles survey found that nearly half of policyholders had faced partial or total claim rejections in the past three years.

The health insurance process is also overly complex, with multiple layers of approval and a lack of transparency. Third-Party Administrators (TPAs) are often incentivized to reject claims, and hospitals are frequently left waiting for reimbursement. Patients are being forced to foot the bill or chase updates, leading to a cycle of frustration and uncertainty.

The regulatory oversight is also patchy, with the Insurance Regulatory and Development Authority of India (IRDAI) failing to effectively enforce regulations. There is a need for a common regulator to cover hospitals, TPAs, and insurers under one umbrella to address the nexus between them.

To fix the system, bold and systemic reforms are needed. This includes digitization, automation, and healthcare exchanges to improve claim processing, as well as providing clear and simplified policy documents to consumers. Regulators must strengthen awareness campaigns and provide accessible channels for patients to escalate complaints.

Until reforms take hold, families are being forced to fight every step of the way to get their claims approved. The health insurance system in India has become a high-stakes test of patience, persistence, and luck, rather than a safety net. It is essential for consumers to be vigilant and keep meticulous records, push for escalation within insurers, and file complaints on the Bima Bharosa portal or approach the Insurance Ombudsman or a Consumer Court if necessary.

The stories of Sumit Kumar, Rahul Bansal, and Vipin Vishnu Ajayan, who have all faced claim rejections and delays, highlight the human impact of the failing health insurance system. It is crucial for the government and regulators to take immediate action to address the issues and ensure that health insurance in India becomes a reliable and trustworthy safety net for families in need.

Experts like Dr. Girdhar Gyani and Dr. KC Haridas are emphasizing the need for a common health regulator, digitization, and automation to improve the claim processing. Dr. Haridas also suggests that using a technically competent insurance broker can help in getting claims settled, and it does not increase premiums as the commission is already built in.

In conclusion, the health insurance system in India is in dire need of reform. The current system is failing to deliver on its promise, and families are suffering as a result. It is essential for the government, regulators, and insurers to work together to create a more efficient, transparent, and patient-centric system that provides a reliable safety net for those in need.

The Affordable Care Act (ACA), also known as Obamacare, has implemented a set of requirements for health insurance companies operating in the ACA marketplace at HealthCare.gov. These requirements ensure that individuals have access to a comprehensive range of healthcare services. Under the ACA, health insurance companies must cover various essential services, including ambulatory patient services, emergency services, hospitalizations, lab services, and mental health services.

In addition to these services, health insurance companies must also cover pediatric care, including vision and dental services, as well as pregnancy, maternity, and newborn care. Prescription drugs, preventive care, and chronic disease management are also mandatory services that must be covered. Furthermore, rehab and habilitative services, including devices, are also required to be covered by health insurance companies.

Beyond the ACA mandates, Congress has added additional requirements for health insurers. For example, birth control coverage and breastfeeding benefits are now mandatory services that must be provided by health insurance companies. However, it’s worth noting that health insurers are not required to offer dental or vision coverage for adults, nor are they required to provide medical management programs such as weight management. Nevertheless, some insurance companies may choose to offer these expanded services as part of their coverage.

Overall, the ACA has played a crucial role in ensuring that individuals have access to a wide range of healthcare services. By requiring health insurance companies to cover essential services, the ACA has helped to improve healthcare outcomes and reduce the financial burden of healthcare costs on individuals and families. While there may be some limitations to the services that are required to be covered, the ACA has helped to establish a foundation for comprehensive healthcare coverage in the United States. As a result, individuals can rest assured that they will have access to the healthcare services they need, from doctor visits and hospital stays to preventive care and prescription drugs.

The Center for American Progress has reported that individuals purchasing health insurance through the Affordable Care Act (ACA) marketplace are experiencing sticker shock due to increasing premiums. Many consumers are facing significant price hikes, making it challenging for them to afford coverage. This surge in costs is attributed to various factors, including the expiration of temporary subsidies and the rising cost of healthcare services.

The ACA, also known as Obamacare, was enacted to provide affordable health insurance to millions of Americans. However, the recent premium increases have raised concerns about the sustainability of the program. The Center for American Progress notes that the average premium for a benchmark silver plan has increased by over 10% in some states, with some consumers facing hikes of up to 20%.

One of the primary causes of the premium increases is the expiration of temporary subsidies provided by the American Rescue Plan Act (ARPA). These subsidies, which were enacted in 2021, helped reduce premium costs for millions of Americans. However, they were only temporary, and their expiration has led to a significant increase in costs for many consumers.

Another factor contributing to the rising premiums is the increasing cost of healthcare services. Medical inflation, driven by factors such as increased hospital and physician costs, has led to higher expenses for insurers, which are then passed on to consumers in the form of higher premiums.

The sticker shock experienced by ACA marketplace shoppers has significant implications for the affordability and accessibility of health insurance. Many individuals and families may struggle to afford coverage, potentially leading to a decline in enrollment and an increase in the number of uninsured Americans. The Center for American Progress emphasizes the need for policymakers to take action to address the rising costs and ensure that affordable health insurance remains available to those who need it.

To mitigate the effects of the premium increases, the Center for American Progress recommends that policymakers consider extending or making permanent the temporary subsidies provided by the ARPA. Additionally, they suggest implementing policies to reduce healthcare costs, such as increasing competition among insurers and promoting value-based care. By taking these steps, lawmakers can help ensure that the ACA remains a viable and affordable option for millions of Americans.

Federal and postal workers can expect to see significant increases in their health care premiums next year. According to the Federal Employees Health Benefits (FEHB) program, which covers over 8 million federal employees, retirees, and their families, premiums are projected to rise by an average of 10.6% in 2023. This marks the fifth consecutive year of double-digit premium increases for federal workers.

The FEHB program, which is the largest employer-sponsored health insurance program in the world, offers a range of health plans to federal employees and retirees. The program is self-funded, meaning that it is paid for by a combination of employee and employer contributions, as well as premiums paid by enrollees. The premium increases are necessary to keep pace with rising health care costs, including increased costs for prescription drugs, hospitalizations, and doctor visits.

The 10.6% average premium increase is higher than the 8.8% increase seen in 2022, and significantly higher than the 3.6% increase in 2020. The increases will vary depending on the specific health plan and enrollment type, with some plans seeing increases as high as 15%. The premium increases will be effective on January 1, 2023, and will apply to all FEHB enrollees, including federal employees, retirees, and their families.

The premium increases will be paid for by a combination of employee and employer contributions. Federal employees will see their biweekly premiums increase by an average of $25-$50, depending on their plan and enrollment type. The employer contribution, which is funded by federal agencies, will also increase to help cover the rising costs of health care.

The premium increases have been a source of concern for federal workers, who have seen their out-of-pocket health care costs rise significantly in recent years. The increases have also been criticized by federal employee unions, which argue that the rising costs of health care are unsustainable and will lead to decreased enrollment and increased retiree costs. Despite the challenges, the FEHB program remains one of the most popular and comprehensive health insurance programs in the country, offering federal employees and retirees access to a wide range of health plans and benefits.

Marjorie Taylor Greene, a Republican congresswoman, has gone off-script by speaking out about the looming health insurance premium spike that will affect millions of Americans, including her own adult children. Despite the Republican party’s efforts to focus on the government shutdown and blame Democrats, Greene has emphasized the need to address the impending crisis. In a tweet, she expressed her discontent with the party’s lack of a plan to help Americans deal with the rising costs, calling their shutdown strategy “shameful, disgusting, and traitorous.”

Greene’s comments have put her at odds with her party’s leadership, including House Speaker Mike Johnson, who suggested that she didn’t know what she was talking about. However, Greene has refused to back down, stating that her party has no solution to the problem and that it’s something that cannot be ignored. Her remarks have likely rattled her GOP colleagues, as many Republicans running in competitive races in 2026 are privately concerned about the issue.

Interestingly, President Donald Trump briefly seemed to abandon the party line when he mentioned that he was negotiating with congressional Democrats on health care policy and was open to making a deal on expiring health insurance subsidies. However, he quickly walked back his comments after presumably receiving pressure from congressional Republicans.

The incident highlights the Republican party’s struggle to address the complex issues surrounding health care. While Democrats have made health care a key part of their midterm message, Republicans have been accused of being clueless on the issue. Greene’s comments have shed light on the party’s internal divisions and their lack of a coherent plan to address the rising health insurance costs.

Greene’s willingness to speak out against her party’s stance has sparked concerns among Republicans, who are trying to maintain a unified front during the government shutdown. Her actions have also raised questions about the party’s ability to address the real concerns of American voters, particularly when it comes to issues like health care. As the shutdown continues, it remains to be seen how the Republican party will respond to Greene’s comments and the growing concerns about health insurance costs.

A significant change in budget at the state and federal levels is expected to impact families financially, particularly in regards to healthcare. Specifically, premiums on marketplace insurance plans are anticipated to rise starting in 2026, as key tax credits expire at the end of 2025. This expiration will lead to higher costs for health coverage, leaving many to wonder how they will afford it.

According to Gbenga Ajilore, Chief Economist for the Center on Budget and Policy, the expiration of tax credits will have a notable impact on families. For instance, in Colorado, a family of four with a household income of $80,000 will see their monthly premiums increase from $260 to $560. Similarly, a single adult earning $50,000 per year will experience a rise in monthly premiums from $270 to $420.

Ajilore highlights that individuals who rely on marketplace insurance plans are “at the mercy of the system,” with limited options for affordable health coverage. Unless they secure a job that offers employer-provided healthcare, they may be forced to choose between paying higher premiums or forgoing health coverage altogether. Furthermore, hospitals with higher uncompensated care costs will pass these expenses on to individuals with health coverage, resulting in increased insurance premiums.

The impending rise in healthcare costs is a pressing concern, as families will need to make difficult decisions about how to allocate their resources. With the tax credits set to expire, many will face significant financial burdens, potentially forcing them to sacrifice other essential expenses to maintain their health coverage. As the changes take effect, it is crucial for families to explore their options and plan accordingly to mitigate the impact of these increased costs.

The global health insurance market is expected to experience significant growth, driven by increasing demand for affordable healthcare access, regulatory support for private insurers, and digitalization. The market was valued at $1.58 trillion in 2024 and is anticipated to grow at a compound annual growth rate (CAGR) of 6.20% from 2025 to 2034, reaching $2.88 trillion by 2034.

Key opportunities in the market include the rising demand for affordable healthcare, growth of the private sector due to regulatory support, and digitalization enhancing claim processing. Preferred Provider Organization (PPO) plans, term insurance, and the adult demographic are expected to show strong potential. North America currently leads the market, while the Asia-Pacific region is expected to experience rapid expansion.

The increasing prevalence of chronic diseases is a significant driver of market growth, with six in ten adults affected by at least one chronic condition. The need for comprehensive and accessible health insurance coverage is growing rapidly, and this demand is expected to propel market growth over the forecast period.

Emerging trends in the market include the development of tailored solutions for small and medium-sized enterprises (SMEs) and the growing geriatric population. Customized SME solutions are expected to accelerate market expansion, while the rising geriatric population is anticipated to substantially enhance market growth.

The market is segmented into various demographics, including minors, adults, and senior citizens. Adults are expected to dominate the market due to growing health awareness, increasing employment-based coverage, and rising demand for private healthcare.

The key players in the health insurance market include UnitedHealth Group, AXA, CVS Health, Ping An Insurance Group, and others. These companies offer a range of health coverage solutions, including commercial, Medicaid, Medicare, vision, and dental plans.

The report provides an analysis of the market by region, with North America leading and Asia-Pacific experiencing exponential growth. The market is expected to be driven by PPO plans, private providers, term insurance, and the adult demographic. The report also provides insights into the market size, forecast, and compound annual growth rate, as well as the largest market in 2024 and the projected market size by 2034.

In terms of market segmentation, the report breaks down the market by type, provider, coverage, demographics, mode, end-user, distribution channel, and region. The report provides a comprehensive analysis of the market, including market size, forecast, and growth trends, as well as the key players and their strategic initiatives.

Overall, the global health insurance market is expected to experience significant growth, driven by increasing demand for affordable healthcare access, regulatory support for private insurers, and digitalization. The market is anticipated to be driven by PPO plans, private providers, term insurance, and the adult demographic, with North America leading and Asia-Pacific experiencing exponential growth.

Germany’s day hospitals have been gaining attention for their innovative approach to healthcare, combining medical care with home support. These facilities provide patients with the opportunity to receive medical treatment and therapy during the day, while still allowing them to return to the comfort of their own homes at night.

The concept of day hospitals originated in the 1980s, with the goal of reducing hospitalization rates and providing more efficient care. Today, there are over 1,000 day hospitals operating in Germany, with many more in development. These facilities offer a range of services, including diagnostic testing, therapy sessions, and medication management.

One of the primary benefits of day hospitals is their ability to provide patients with a more personalized and flexible care experience. Patients can receive treatment and therapy tailored to their specific needs, while also having the freedom to return home and maintain their daily routines. This approach has been shown to improve patient outcomes, reduce hospital readmissions, and enhance overall quality of life.

In addition to medical care, day hospitals also offer a range of support services to help patients manage their daily lives. These may include home care assistance, meal delivery, and transportation services. By providing these support services, day hospitals can help patients maintain their independence and reduce their reliance on family members or caregivers.

Germany’s day hospitals have also been recognized for their cost-effectiveness. By reducing hospitalization rates and providing more efficient care, these facilities can help reduce healthcare costs and alleviate pressure on the healthcare system. According to a study by the German Ministry of Health, day hospitals can reduce healthcare costs by up to 30% compared to traditional hospital care.

The success of Germany’s day hospitals has inspired other countries to adopt similar models. Many countries, including the United States, are now exploring the potential of day hospitals to improve healthcare outcomes and reduce costs. As the global healthcare landscape continues to evolve, Germany’s day hospitals provide a promising example of how innovative approaches to care can improve patient outcomes and enhance the overall quality of life.

Overall, Germany’s day hospitals offer a unique and innovative approach to healthcare, combining medical care with home support to provide patients with a more personalized and flexible care experience. With their focus on patient-centered care, cost-effectiveness, and support services, these facilities are poised to play an increasingly important role in the future of healthcare.

The federal government shutdown that began on October 1, 2025, is largely due to disagreements over healthcare issues between Democrats and Republicans. One major point of contention is the extension of subsidies for Affordable Care Act (ACA) insurance premiums, which are set to expire at the end of 2025. Democrats are pushing for an extension, as without it, ACA premiums are expected to rise by over 75% in 2026, resulting in an estimated 4.2 million Americans losing insurance.

Another key issue is the rollback of cuts to the Medicaid program, which was included in President Trump’s “One Big Beautiful Bill” signed into law on July 4. Democrats are seeking to renegotiate these changes, including new work requirements that would lead to an estimated 5 million people losing their health insurance coverage. Additionally, Democrats want to reverse restrictions that made immigrants who are lawfully present in the country ineligible for Medicaid and ACA coverage, which could lead to the loss of insurance for about 1.4 million people.

The shutdown may have far-reaching effects on healthcare, with potential impacts on various health services. Nonessential activities at federal agencies have been wound down, and the shutdown will continue until Congress passes a funding bill and Trump signs it. Some health services, such as surveying and certifying nursing homes, assisting Medicaid and Medicare beneficiaries, and overseeing contracts for rural ambulance providers, may be affected.

However, some health services will continue to function, including Medicaid, which has enough funding to support the program through the end of the calendar year. Community health centers, which provide nonemergency medical services to about 34 million Americans, are expected to receive some funding, at least for now. The Indian Health Service and the Veterans Health Administration will also remain open.

The severity of the shutdown’s effects on healthcare will depend on how long it lasts and whether Trump follows through on his threat to use the shutdown as an opportunity to reshape the federal bureaucracy. The White House has announced plans for potential mass firings of workers, particularly those at “Democrat Agencies,” which could lead to more permanent reductions in health programs.

In the short term, seniors may face an immediate impact, as two programs that expanded access to telehealth services and allowed people to receive services at home have lost funding. Providers may be hesitant to schedule patients covered by Medicare if the shutdown drags on, as payments to medical providers would likely be delayed. Ultimately, the shutdown’s effects on healthcare will depend on the duration and the actions taken by the administration.

The Mountain Health Co-Op, one of two insurers offering individual insurance in Wyoming, has announced its withdrawal from the state’s health insurance marketplace. This decision affects approximately 11,000 members, who must now find a new health insurance carrier before next year. The co-op’s departure is attributed to high claims costs and significant losses in Wyoming, prompting the company to focus on its operations in Idaho and Montana instead.

The withdrawal of Mountain Health Co-Op is significant for several reasons. Firstly, it highlights the challenges of providing health care in Wyoming, where the small population and rural landscape make it difficult to spread risk. As a result, health insurance rates are expected to increase by around 25% in 2026. The co-op’s departure is also a symptom of deeper issues facing Wyoming, including the high cost of providing health care and the lack of control over what health care providers can charge.

Wyoming’s health care costs are among the highest in the country, which can be attributed to the state’s older population and the lack of younger, healthier members to offset the risk pool. The state’s business-friendly environment, characterized by lower taxes and fewer regulations, does not seem to apply to the health care sector. The Wyoming Legislature and federal delegation have tools available to help lower health care costs, but more needs to be done to address this issue.

The rising cost of health care is not a new discussion, and it is essential to examine the drivers of these costs. The cost of health care can vary significantly between providers, and it is crucial for consumers to be aware of these costs and challenge health care providers who charge excessively. The expansion of Medicaid eligibility, premium tax credits, and coverage of essential and preventive care have helped keep costs down in the past. However, the departure of Mountain Health Co-Op should serve as a wake-up call to address the underlying issues in Wyoming’s health care system.

Mountain Health Co-Op was a unique company that invested in its members and the community, offering zero-dollar co-pay prescriptions, travel reimbursements, and a focus on preventive medicine. The next company to enter the Wyoming market may not have the same commitment, highlighting the need for the state to take action to address its health care challenges. The can has been kicked down the road for too long, and it is essential for Wyoming to find a solution to its health care woes to ensure that its residents have access to affordable and quality health care.

The government shutdown has sparked a heated debate between Democrats and Republicans over healthcare for immigrants. The White House and Republican lawmakers claim that Democrats want to provide free healthcare to undocumented immigrants, which Democrats deny. The controversy centers around a provision in the Democrats’ funding proposal that would reverse changes made by the One Big Beautiful Bill Act, which restricted Medicaid eligibility for noncitizens. The Act, signed by President Trump, made it harder for certain groups of immigrants, including those granted parole, refugees, and asylees, to access Medicaid.

Democrats argue that their proposal would only restore eligibility for immigrants with some form of legal status or government protection, not those living in the US illegally. They point out that US law already prohibits the use of taxpayer dollars to provide medical coverage to undocumented individuals. House Democratic Leader Hakeem Jeffries stated, “Federal law prohibits the use of taxpayer dollars to provide medical coverage to undocumented individuals. And there is nothing in anything that we have proposed that is trying to change that law.”

The One Big Beautiful Bill Act had significant consequences, with an estimated 1.4 million immigrants potentially losing health insurance coverage. The Democrats’ proposal would reopen access to Medicaid for certain groups of immigrants, including lawful permanent residents, Cubans and Haitians who entered the US legally, and noncitizens from several Pacific islands. The proposal would also reverse the Act’s changes to emergency funding for noncitizens, which constitutes less than 1% of total spending for the program.

Some Republicans, including House Speaker Mike Johnson and Vice President JD Vance, have accused Democrats of trying to “take from the American people” to provide healthcare to undocumented immigrants. However, Democrats argue that their proposal is focused on restoring healthcare coverage to lawfully present immigrants and fighting for the healthcare of American citizens. The debate has become a major sticking point in the government shutdown, with Democrats refusing to vote for a short-term funding extension unless Republicans extend Affordable Care Act tax credits that have helped millions of Americans lower their health insurance costs.

In reality, many states, including California, already provide some form of healthcare coverage to undocumented immigrants using state funds. According to a KFF analysis, more than a dozen states comprehensively cover care for low-income children who lack a legal immigration status using state funds. The controversy surrounding the Democrats’ proposal has highlighted the complex and often contentious issue of immigration and healthcare in the US.

Congressmen Seth Magaziner and Gabe Amo, along with leaders from Rhode Island’s health care industry, held a joint press conference to express their concerns about looming federal cuts to health care assistance. The cuts, which are set to take effect at the end of the year, would impact thousands of Rhode Islanders who rely on federal tax credits to afford health insurance premiums. The tax credits, which are available to individuals and families based on income, have made health care affordable for many thousands of Rhode Islanders.

Michael Sroczynski, president of the Hospital Association of Rhode Island, warned that the loss of federal assistance would not only mean that many Rhode Islanders would no longer be able to afford insurance, but also that the state’s entire health care system would suffer as a result. Peter Marino, president and CEO of Neighborhood Health Plan of Rhode Island, noted that about 90% of its members rely on the premium tax credits to subsidize their health insurance costs.

Magaziner and Amo stated that they are committed to fighting the cuts and extending the health care tax credits, despite expected opposition from Republican leadership. They emphasized that every Rhode Islander deserves access to high-quality, affordable health care, and that the loss of federal assistance would be devastating to many families. Lindsay Lang, director of HealthSource RI, added that protecting Rhode Islanders’ ability to seek mental and physical health care services is core to the organization’s mission and to the good of the state.

The officials at the press conference also highlighted the issue of major federal funding cuts to Medicaid, which are expected to cost millions of people their Medicaid benefits. Lynn Blais, president of United Nurses & Allied Professionals, warned that the loss of health insurance would mean the difference between life and death for too many Rhode Islanders, and that the state would be returning to a time when thousands of people did not have health insurance. The congressmen and health care leaders are calling on President Trump and Republicans in Congress to extend the health care tax credits and prevent the cuts to Medicaid.

Pluto Health, a healthcare technology company, has announced the expansion of its care model to include Medicare, Medicaid, and major commercial plans. This move aims to increase access to high-quality, affordable healthcare for a wider range of patients.

Pluto Health’s care model focuses on value-based care, where healthcare providers are incentivized to deliver high-quality, cost-effective care. The company’s platform uses advanced analytics and artificial intelligence to identify high-risk patients, provide personalized care plans, and coordinate care across different healthcare settings.

By expanding its care model to Medicare, Medicaid, and commercial plans, Pluto Health can now reach a broader patient population, including older adults, low-income individuals, and those with private insurance. This expansion is expected to improve health outcomes, reduce healthcare costs, and enhance the overall patient experience.

The inclusion of Medicare and Medicaid in Pluto Health’s care model is particularly significant, as these programs provide coverage to millions of Americans. Medicare, which covers individuals 65 and older, as well as certain younger individuals with disabilities, is a critical component of the US healthcare system. Medicaid, which provides coverage to low-income individuals and families, is also essential for ensuring access to healthcare for vulnerable populations.

Pluto Health’s expansion into commercial plans will also enable the company to partner with private insurers, self-insured employers, and other organizations to deliver value-based care to a wider range of patients. This move is expected to help reduce healthcare costs, improve health outcomes, and enhance the overall value of healthcare services for patients and payers alike.

The company’s care model has shown promising results in improving health outcomes and reducing costs. For example, Pluto Health has reported a significant reduction in hospital readmissions, emergency department visits, and healthcare costs for patients enrolled in its program.

Overall, Pluto Health’s expansion of its care model to Medicare, Medicaid, and major commercial plans represents a significant step forward in increasing access to high-quality, affordable healthcare for a wider range of patients. As the US healthcare system continues to evolve, companies like Pluto Health are leveraging technology, analytics, and value-based care models to drive improvements in health outcomes, reduce costs, and enhance the overall patient experience.

India’s flagship public health insurance program, Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY), is facing significant challenges. The program, launched in 2018, promises to cover hospital expenses up to ₹5 lakh (around $5,725) per family, but it has run into problems over non-payment to private hospitals. In Haryana, 650 private hospitals have suspended services to PM-JAY patients due to ₹490 crore ($59 million) in pending reimbursements, which date back six to nine months.

This has cut off up to 18 million low-income residents from private-sector surgeries, dialysis, cancer care, and other critical treatments. Patients are being forced to seek treatment at smaller facilities with limited services or borrow money to pay for care. The suspension has also led to a surge in patient load at public hospitals, resulting in longer wait times and overstretched staff.

The issue is not limited to Haryana, as other states like Jammu and Kashmir are facing similar problems. The region has fewer than 130 empanelled private hospitals, and patients often have to travel hundreds of kilometers for treatment. Delayed claim settlements and restrictive empanelment rules have left many patients without access to care.

Health economists say that the public-private partnership model in healthcare is fragile and that the government’s purchasing power is undermined when reimbursements are delayed. The Swiss Re Institute has warned that India’s heavy reliance on out-of-pocket payments risks reversing poverty reduction gains, with the health protection gap estimated to reach $200 billion by 2033.

The Indian government has promised to clear dues and review package rates, but private hospitals remain skeptical. The National Health Policy aims to reduce catastrophic health expenditure to 25% of households by 2025, but recent studies suggest that this goal may be out of reach. The pooled incidence of catastrophic health expenditure stands at 30% of Indian households, and inpatient care accounts for 11% of monthly household consumption.

The situation highlights the need for structural fixes to schemes like PM-JAY to ensure that they can deliver universal health coverage. The government needs to address the issues of delayed reimbursements, under-enrolment of private providers, and allegations of fraud to make the program effective. Until then, patients like Sunita’s family will continue to suffer, and the goal of universal health coverage will remain elusive.

California is facing a potential health insurance meltdown due to a combination of factors, including rising healthcare costs, changes in federal funding, and a surge in enrollments in the state’s health insurance marketplace, Covered California. The state’s health insurance market is at risk of destabilization, which could lead to higher premiums, reduced coverage options, and decreased access to healthcare for thousands of Californians.

One of the primary concerns is the pending expiration of the federal Affordable Care Act’s (ACA) enhanced subsidies, which have been instrumental in making health insurance more affordable for low- and moderate-income individuals. The subsidies, which were introduced as part of the American Rescue Plan Act, are set to expire at the end of 2022, unless Congress extends them. Without these subsidies, premiums could increase by as much as 50% for some enrollees, making health insurance unaffordable for many.

Additionally, California is experiencing a surge in enrollments in Covered California, with over 1.8 million people currently enrolled in the program. While this is a positive trend, it also puts pressure on the state’s healthcare system and insurance market. The increased demand for healthcare services and insurance coverage could lead to higher costs and reduced provider networks, making it more difficult for people to access the care they need.

Furthermore, California’s health insurance market is highly dependent on federal funding, which is subject to change. The Trump administration’s efforts to repeal and replace the ACA, as well as the COVID-19 pandemic, have created uncertainty and instability in the healthcare market. The state’s insurers are also facing financial pressures, which could lead to reduced coverage options and higher premiums.

To mitigate the potential meltdown, California’s lawmakers and healthcare officials are exploring options to stabilize the market and ensure continued access to affordable healthcare. These efforts include seeking federal funding to extend the enhanced subsidies, implementing state-based reforms to reduce healthcare costs, and investing in outreach and enrollment efforts to encourage more people to sign up for coverage. However, the outcome is uncertain, and the state’s healthcare system remains at risk of destabilization.

In conclusion, California is facing a potential health insurance meltdown due to a combination of factors, including the expiration of federal subsidies, surging enrollments, and financial pressures on insurers. To address this crisis, state lawmakers and healthcare officials must work together to stabilize the market, reduce healthcare costs, and ensure continued access to affordable healthcare for all Californians. The future of the state’s healthcare system depends on it.