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What is a Health Insurance ‘carve-out’? Should I consider it?

Answer: When businesses face challenges getting enough employees to participate in their health insurance benefit (enough to meet the minimum participation rate set by the insurance company), they often use a so-called “carve-out” to offer the benefit to a smaller subgroup of employees.

AAFD Health Benefits Open Enrollment

Ah, fall!  The season of change.  There is a crisp note in the air, the leaves in most parts of the country are beginning to show their red, yellow and orange hues.  And, if you are like me, you are also thinking about what to do about your health insurance.  Because it is Open Enrollment Season, the time when employers and employees alike renew or replace their group health insurance plans. 

The Myth of the Health Insurance Silver Bullet

It’s a good question. All across our country, consumers are facing higher-than-ever deductibles on their health insurance (especially self-employed franchisees). It’s no surprise that health care is already a leading issue of the upcoming election. Many presidential contenders are advocating for universal health care (also called “Health Care for All” or “Medicare for All”). Is universal health care the silver bullet we’ve all been waiting for?

You Can Lead a Horse to Water, but… Creating a Health Care System that Could Work for America

While I don’t profess to have all the answers for creating a perfect healthcare system, I do have an advanced degree in health-related studies. And since the health care universe has been a major part of my professional life for the past 35 years, I feel as though I have acquired some unique insights into the workings of the business of health. It is with this knowledge that I read with interest and, sometimes, great amusement, the proposals for replacement of the PPACA, colloquially known as Obamacare.

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