premiums

There was always an assumption that the Affordable Care Act would need time to find its sea legs. That’s why it included measures to shield insurers from the potential profit losses that inherently come with offering millions more people better health coverage at more reasonable prices. Insurers operate on profit margins and the ACA took that into account, for better or for worse. But it’s still been a rocky road for insurers. (Insert argument here for single-payer health care, but that’s a different story.) On the patient side, with 20 million more Americans insured and growing accounts of…

On Saturday, Healthcare.gov opened for enrollment in 2015 health insurance plans, and so far it’s proceeding without the horrific technical problems that greeted would-be enrollees last year. This year, as will be the case in future years, the enrollment window is just three months long. People can renew the coverage they had last year or choose a new plan. Those with incomes of between 100% and 400% of the federal poverty level (in 2014, $11,670 - $46,680 for a one-person household, $23,850 - $95,400 for a household of four) are eligible for subsidies to help them afford premiums. The Obama…

As we're waiting to learn whether the Affordable Care Act will survive the upcoming Supreme Court decision, it's a good time to remember what's at stake with the individual mandate -- the part of the law that's least popular with the public and that some Supreme Court Justices seem to find objectionable. I've written before about why the mandate, which requires everyone who can afford it to purchase health insurance or pay a penalty, is a necessary part of the healthcare law and is not the same as requiring everyone to buy broccoli. Now, the Washington Post's Sarah Kliff adds to the…