health insurance

Stateside
7:58 pm
Mon September 15, 2014

A preview of Affordable Care Act marketplace, year 2

Credit healthcare.gov

 

Health insurers and Healthcare.gov are now gearing up for year two of the Affordable Care Act.

Open enrollment begins two months from today – November 15. And this year, there's a new twist: renewals and plan changes.

Marianne Udow-Phillips is the director of the Center for Healthcare Research and Transformation at the University of Michigan. She says consumers have to do their homework to compare different health plans this year.

"Some [rates] are up, and some are down ... Even those who have coverage now, it would be very important for consumers to actually look at the choices again and see what is the best match with the premiums and the networks that are offered," says Udow-Phillips.

* Listen to our conversation with Marianne Udow-Phillips above.

Health
5:12 pm
Sat August 30, 2014

Michigan small businesses get help navigating health care law changes

A lot of Michigan businesses are set to renew their health insurance plans in the fourth quarter of the year.
Credit Steve Carmody / Michigan Radio

The Michigan Chamber of Commerce is launching a private health insurance marketplace September 1st.

Jason Russell is the senior director of the chamber’s Department of Insurance Services.

He says the intent of the new marketplace is to help small businesses and insurance agents deal with an increasingly complex health insurance landscape under the Affordable Care Act.

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Health
6:00 pm
Wed June 25, 2014

Michiganders should expect to pay more for Obamacare next year

The next Obamacare enrollment period begins in November 15th.
Credit Steve Carmody / Michigan Radio

The cost of Obamacare health insurance plans will likely rise next year in Michigan. 

272,000 Michiganders signed up for health insurance using the marketplace created by the Affordable Care Act.   They will be paying more for those plans if proposed rate increases released this week are approved by state and federal regulators.

Josh Fangmeier is a health policy analyst with the Center for Healthcare Research and Transformation at the University of Michigan.    

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Stateside
4:36 pm
Tue April 29, 2014

Rural areas of Michigan have fewer health insurance options

Rural Michigan does not get all of the same health insurance options as the bigger cities.
Credit user acrylicartist / MorgueFile.com

One of the most important aspects of the Affordable Care Act is consumer choice. More choice leads to more competition among insurers, and that can mean lower costs to consumers.

But, as Michiganders shopped for health coverage on the federal marketplace, the amount of choice was not even.

If you lived in Wayne, Oakland or Macomb Counties, you got to choose from 55 insurance plans. If you lived in Delta County in the Upper Peninsula, you were only offered 5 plans, all of them from Blue Cross Blue Shield of Michigan.

Josh Fangmeier is a health policy analyst with the Center for Healthcare Research and Transformation. He joined us today.

Listen to the full interview above.

Health
5:01 pm
Mon March 31, 2014

Last day to enroll for health-care coverage under the Affordable Care Act

Today is the day.

If you don’t sign up for health-care coverage by midnight tonight, you might not be able to get coverage until next year. And if you choose not to get covered, you might get dinged on your 2014 taxes –also known as the "individual shared responsibility payment."

If you can afford health coverage, but you decide to do without, here's how much you might have to pay:

  • In 2014, it's 1% of your yearly income or $95 per person, whichever is higher.
  • In 2015, it’s 2% of your yearly income or $325 per person, whichever is higher.
  • In 2016 and later years, it’s 2.5% of your yearly income or $695 per person, whichever is higher. 
  • After 2016, the fee is adjusted for inflation.

To avoid any potential fees, you need to sign up by tonight.

There are exceptions.

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Stateside
4:18 pm
Thu March 27, 2014

The deadline to buy insurance draws closer

It's time to purchase insurance or face a fine.
user striatic Flickr

We are closing in on the deadline to purchase health insurance or face a penalty under the Affordable Care Act. Erin Knott is the Michigan Director of Enroll America, a non-profit, non-partisan group trying to get people enrolled in health insurance.

Erin joined us today to discuss the upcoming deadline. 

Listen to the full interview above.

Stateside
12:29 pm
Thu March 13, 2014

The Abortion Insurance Opt-Out Act takes effect tomorrow; what can we expect?

Marianne Udow-Phillips
user mudowp Twitter

It was late last year that state lawmakers passed The Abortion Insurance Opt-Out Act.

Starting this Friday, insurance companies will not be allowed to sell policies that include abortion coverage as a standard feature.

Customers would have to buy separate add-ons, riders, to cover abortion and they would have to do it before ever knowing whether they will want to obtain an abortion.

And how that might or might not happen is pretty confusing.

Marianne Udow-Phillips is with the Center for Healthcare Research and Transformation, and she joined us today to discuss the issue.

Listen to the full interview above.

Politics & Government
6:18 am
Mon March 10, 2014

Starting Friday, basic insurance policies in Michigan are barred from covering abortions

Michigan’s law barring insurance companies from including abortion coverage in basic policies takes effect this week. 

7 insurance companies, including Blue Cross/Blue Shield, will offer an additional rider.

David Waymire is a spokesman for the Michigan Association of Health Plans.      He says most Michiganders get their insurance from self-insured company health plans which are not covered by the law.   

“So there’s really a small number of people that will ever be affected by this law at this point,” says Waymire.

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Stateside
4:52 pm
Thu March 6, 2014

Small business owner is sick over the Affordable Care Act

Jeff Emerson, president of American Gear & Engineering Inc., in 2010 at a press conference with then-Gov. Jennifer Granholm.
YouTube screenshot

There is little question that the Affordable Care Act is a game-changer for Americans who had jobs where no insurance was available from their employer, or who had pre-existing conditions, or whose incomes did not qualify them for Medicaid, or who could not afford to buy health coverage.

But as the health care picture brightens for these Americans, there are others who are, frankly, sick of the ACA and the upheaval it has brought to their lives.

Detroit News business columnist Daniel Howes took a look at what the ACA has meant for a typical small Michigan business.

Howes joined us today and we asked him to tell us about American Gear & Engineering. It’s the company he profiled in today's column of the Detroit News.

Health
5:21 pm
Wed February 19, 2014

Obamacare opponents remain resolute in Michigan

Several dozen people showed up at a town hall meeting in Jackson to criticize the Affordable Care Act. Republican Congressman Tim Walberg of Michigan is hosting a series of meeting on Obamacare this week.
Steve Carmody Michigan Radio

Opponents of Obamacare turned out for a meeting in Jackson today.  

Congressman Tim Walberg is holding a series of town hall meetings this week on the Affordable Care Act.

The Republican congressman is showcasing small business owners and patients who say they are paying more for health insurance under Obamacare.

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Health
6:20 am
Thu February 13, 2014

Michiganders are signing up for Obamacare at a faster pace, but the deadline looms

The Obama administration says, through the end of January, about 112,000 Michiganders have picked insurance plans using the federal health care website.
Steve Carmody Michigan Radio

The Obama Administration says Michiganders are signing up for health insurance under the Affordable Care Act at a faster pace than expected. But time is running out.

Michiganders have until the end of March to sign up for health insurance or face a federal tax penalty.

The Obama administration says through the end of January, about 112,000 Michiganders have picked insurance plans using the federal health care website.

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Stateside
4:28 pm
Wed January 22, 2014

How will Michigan's new abortion law work?

In December, State Sen. Gretchen Whitmer gave a speech about her own experience with rape during the debate over the abortion rider bill.
http://whitmer.senatedems.com/

On the 41st anniversary of Roe v. Wade – the U.S. Supreme Court’s landmark ruling that legalized abortion nationwide – women's reproductive rights remain in the political spotlight.

Let's turn our attention to that subject here in Michigan. It was mid-December when state lawmakers approved a controversial law requiring consumers to buy separate policies for abortion coverage.

This means a person has to buy a rider before knowing they need an abortion; they would not be able to buy a rider after getting pregnant. And the law does not include exceptions for rape or incest.

The law goes into effect in March, and there’s confusion over just how this is supposed to work.

Marianne Udow Phillips is director of The Center for Healthcare Research & Transformation at the University of Michigan. She talks to us today and explains what the new law means.

Listen to the full interview above.

Stateside
4:13 pm
Wed January 15, 2014

How many Michiganders have enrolled for insurance under the Affordable Care Act?

More than 75,000 Michiganders have enrolled in health insurance offered under the Affordable Care Act.
Courtesy of Children First

It's been a little over two weeks since the Affordable Care Act officially kicked in.

How many people have been able to enroll? How many are getting financial assistance to help pay for their plan? And what deadlines do we need to be aware of?

Joining us once more is Don Hazaert, director of Michigan Consumers for Healthcare, one of Michigan's four navigator agencies for the ACA.

Listen to full interview above. 

Stateside
3:40 pm
Wed January 8, 2014

How to compare medical costs – right now

Do you compare costs before stepping into a doctor's office?
Fotos GOVBA Flickr

Cost comparison – it can be an effective way of saving money. Whether it's comparing the price of a cup of coffee – Starbucks versus Tim Horton's, for instance – or comparing gas prices in different parts of the city or state, checking out cost differences is, for many, just part of a regular day.

But what about comparing medical costs? Would you have any idea what, say, a hip replacement might cost at the hospital you go to?

If you could tease out those prices and compare them, you might find yourself wondering: Why do some hospitals in the same city or state charge thousands of dollars more for the same procedure? And why is it so tough to get those prices?

Those are the questions Ilene Wolff, a writer with DBusiness, explored in a recent story.

To compare prices of services at different hospitals, visit healthcarebluebook.comTo look up hospital quality information, visit hospitalcompare.hhs.gov.

Listen to the full interview above. 

Law
4:21 pm
Thu December 12, 2013

Groups already considering challenge to Michigan’s new abortion insurance rider

Rick Pluta Michigan Public Radio

Wednesday's vote by the Legislature to enact a law to require people to buy separate health policies to cover abortions may not be the final word on the question.

There are meetings underway to organize a referendum challenge. Abortion rights advocates are putting together a coalition to launch a petition drive. They want to challenge the new law with a referendum on the ballot next November.

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Health
5:04 pm
Wed December 11, 2013

More Michiganders signing up for Obamacare, but the numbers are still low

Healthcare.gov
Steve Carmody Michigan Radio

More Michiganders are signing up for health insurance through the federal Affordable Care Act.

Problems with the federal website made it difficult for people to sign up initially.

In Michigan, fewer than 1400 people signed up in October. But after a website overhaul, more than five thousand Michiganders completed the process in November.

Read more
Politics & Government
3:03 pm
Sun December 1, 2013

Proposal to make Michigan women buy separate health insurance for abortion coverage moving forward

The Board of State Canvassers will meet at the state capitol on Monday.
Steve Carmody/Michigan Radio

A proposal to prohibit basic health insurance plans from covering abortions goes before the Board of State Canvassers tomorrow.   Women would be able to buy separate abortion riders for their health insurance policies.

The Board is expected to certify that a petition drive has enough signatures to put the matter before the legislature.

Genevieve Marnon is with Right to Life of Michigan.   She says women should pay for abortion coverage themselves.

Read more
Stateside
2:20 pm
Thu November 21, 2013

Who are the Affordable Care Act's navigators?

This is a screenshot of the informational video from healthcare.gov.
healthcare.gov YouTube

It’s been more than a month since the Affordable Care Act’s insurance marketplace has open, and to say the rollout has been problematic would be an understatement.

With the glitch-ridden healthcare.gov website, and the natural confusion that comes with breaking new ground, it’s no wonder that many insurance-seekers don’t even know where to begin to find health insurance under the ACA.

Enter Don Hazaert, the director of Michigan Consumers for Healthcare. MCH is one of four navigator agencies in Michigan for Obamacare.

But what does a navigator do? What can’t they do? And where do Michiganders stand with their healthcare?

Hazaert met with us in the studio, to discuss how those looking for coverage for Michigan actually do it.

For more information, visit enrollmichigan.com or any of the websites below:

consumersforhealthcare.org

communitybridgesihc.com

accesscommunity.org

aihfs.org

Listen to the full interview above.

Read more
Politics & Government
7:14 am
Thu November 14, 2013

In this morning's headlines: 1,300 signed up for Obamacare, Court of Claims, pot in pharmacies

User: Brother O'Mara flickr

1,300 Michiganders signed up for Obamacare in the first month of online exchange

"Health officials released a report yesterday showing that only about 1,300 Michigan residents managed to sign up for coverage through the troubled federally-run state health care exchange in its first month of operation," the Associated Press reports.

Michigan Supreme Court names Court of Claims judges

"The Michigan Supreme Court has moved quickly to name judges to serve on a revamped Court of Claims to hear major lawsuits filed against the state. A new law moves the Court of Claims from the Ingham County Circuit and makes it part of the Michigan Court of Appeals. The state Supreme Court tapped two judges originally appointed by a Republican governor and two appointed by a Democrat to serve on the new Court of Claims," Rick Pluta reports.

Senate approves bill for pot sales at pharmacies

"The state Senate has approved a bill that could clear the way for pharmacies to sell medical marijuana in Michigan. That’s if the federal government decides to regulate cannabis as a prescription drug," Jake Neher reports.

Stateside
3:31 pm
Wed October 30, 2013

Why are millions of Americans losing health care coverage?

user mudowp Twitter

Ever since the government unveiled its healthcare.gov website, the headlines surrounding the Affordable Care Act have been about the problems with the way the site was designed and the extreme difficulty Americans have had in getting on the exchange to shop for health insurance.

But, what about the Americans that don't need healthcare.gov? The ones who already have plans? Some 14 million consumers buy their own insurance individually.

And to those consumers, President Obama has been saying this since 2009:

“If you like your current insurance, you will keep your current insurance. No government takeover, nobody’s changing what you’ve got if you’re happy with it.”

So why, then, are some 2 million Americans - about 140,000 in Michigan - getting cancelation letters from their insurers?

Marianne Udow-Phillips directs the Center for Healthcare Research and Transformation, a non-profit partnership between the University of Michigan and Blue Cross/Blue Shield of Michigan. She joined us today.

Listen to the full interview above.

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