Leaders overseeing the launch of the federal health care exchange understood the importance of technology. But they did not understand how to build technology. And that lack of intuitive understanding and respect for the nature of how technology is built led to decisions that doomed the project's launch.
The decision, which helps live up to a promise Obama made when pushing for passage of health reform, is couched as an administrative fix that says following ACA will not require insurance companies to upgrade their plan for individuals who have been in these existing plans so far.
While confusion and acrimony dominate discussions over Healthcare.gov, HR sources are reporting few if any concerns from their workforce populations, most of whom are snug and secure in their employer-sponsored health care.
Nearly one in five doesn't even know if their company has a wellness program. Are your workers entirely ignorant of your offerings?
Even if their employees don't use the exchanges, their functioning depends pretty heavily on some critical interactions among exchanges, employers, and their employees.
Health care fraud will come at employers at an alarming rate, in part because the Affordable Care Act opens insurance up to millions of people who have no experience buying health insurance, said fraud expert Chuck Whitlock during the International Foundation of Employee Benefit Plans annual conference. He shared five ways employers can minimize fraud in their health plans. [Images: Shutterstock]
As the Obama administration works to fix the technological problems associated with Healthcare.gov, greater issues with the federal health care exchanges remain, said a panel of health care experts Thursday in Washington.
HR professionals are dealing with both the usual crush of questions on open enrollment and a new onslaught of queries and concerns surrounding Obamacare and the health care marketplaces even from those who have nothing to do with the public exchanges. By now, you have notified workers about the Affordable Care Act. You've made sure all your plans are compliant. Surely thats all you have to communicate, right? Wrong. [Images: Shutterstock]
Exchange prep, however, will go a long way to help employers prepare for the delayed employer mandate. Figure out whether you are an applicable large employer and if you are, start measuring. Otherwise, you could be left scrambling.
While the shutdown wont stop the roll-out, which is largely funded through mandatory appropriations that cant be curtailed by congressional inaction, its an open question whether it will lessen public enthusiasm to enroll.
Finally, America the Ordinary those folks more interested in Duck Dynasty than their health care benefits has been absolutely bombarded with a non-stop barrage of mass media headlines actually focused on their health care insurance.
Employees generally don't spend enough time choosing their health benefits each year, with many blindly re-enrolling. This year especially that could be a risky and costly strategy as changes from the Affordable Care Act have transformed the insurance landscape. "In some cases, not making an active decision during enrollment means employees could get defaulted into a health care plan that doesn't meet their needsor even worseleaves them and their families with no coverage at all," says Craig Rosenberg, Aon Hewitts health & welfare benefits administration practice leader. "Its up to employees to read the fine print and take an active role in understanding if and how these changes may impact them." [Images: Shutterstock]
At 2 p.m. ET on Oct. 2, EBN and EBA will offer a web seminar on issues relating to ACA implementation and what they mean for employers whether or not they plan having their workers participate in ACA marketplaces.
Only 9% of companies, meanwhile, indicate they are very prepared to implement required changes to their business based on the health care reform law at this time.
United Parcel Service Inc.s decision to drop health benefits for 15,000 of its workers spouses may be a sign of the future, as U.S. businesses grapple with rising medical bills and the added burdens of the ACA.