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  • Testimony posted August 7, 2014 by Edmund F. Haislmaier Risk Corridors in the Patient Protection and Affordable Care Act

    Testimony before the Committee on Energy and Commerce Subcommittee on Health United States House of Representatives July 28, 2014 Mr. Chairman, Ranking Member Pallone, thank you for inviting me to testify today. My name is Edmund F. Haislmaier and I am a Senior Research Fellow in Heath Policy at The Heritage Foundation. The views I express in this testimony are my…

  • Commentary posted July 30, 2014 by Edmund F. Haislmaier A First Look at Enrollment Under Obamacare

    Obamacare’s initial open-enrollment period ended in mid April. The big question since then has been, “What were the results?” Hard data have been lacking — until now. My colleague Drew Gonshorowski and I have just finished reviewing insurance-market data from the first quarter of 2014, and we can report that Obamacare’s results are not very impressive. Certainly they’re…

  • Backgrounder posted July 28, 2014 by Edmund F. Haislmaier, Drew Gonshorowski New Obamacare Enrollment Data: Employer-Based Coverage Declines

    The Department of Health and Human Services (HHS) issued a series of monthly reports on exchange performance during the initial open enrollment period (October 1, 2013, through March 31, 2014) for the Patient Protection and Affordable Care Act (PPACA), commonly known as Obamacare. However, the data HHS provided are insufficient for determining either the number of…

  • Testimony posted July 2, 2014 by Edmund F. Haislmaier Reinsurance, Risk Adjustment, and Risk Corridors in the Patient Protection and Affordable Care Act

    Testimony before Committee on Oversight and Government Reform Subcommittee on Economic Growth, Job Creation and Regulatory Affairs United States House of Representatives Mr. Chairman, Ranking Member Cartwright: Thank you for inviting me to testify today. My name is Edmund F. Haislmaier, and I am a Senior Research Fellow in Health Policy at The Heritage Foundation. The…

  • Commentary posted June 7, 2014 by Edmund F. Haislmaier Taxpayers Shouldn't Have to Cover Losses Insurers Incur Under Obamacare

    Obamacare alters and disrupts health insurance markets in numerous ways. Exactly how individuals and employers will respond to all these changes remains highly uncertain. This uncertainty makes it difficult for insurers to predict claims costs, much less set premiums. Naturally, insurers wish to make a reasonable profit and remain competitive in the marketplace. But…

  • Commentary posted March 21, 2014 by Edmund F. Haislmaier HHS Wants to Sink an Obamacare Lifeboat

    Sunday will mark the fourth anniversary of the launch of the SS Obamacare packed with 300 million Americans in steerage, about half of whom had to be forcibly dragged aboard. Nearly six months ago — October 1, 2013, to be precise — the great ship steamed into the Sea of Reality and promptly began banging into icebergs. Subsequent collisions have damaged the ship and…

  • Commentary posted January 29, 2014 by Edmund F. Haislmaier What the Obamacare "Death Spiral" Debate Misses

    Will Obamacare tip the health insurance industry into a “death spiral” that ends in market collapse? While there is growing debate on that question, both sides seem to agree that, to avoid such a collapse, the Obamacare exchanges must enroll a sufficient number of young (and presumably healthy) adults. So, the other week when HHS released updated exchange enrollment data,…

  • Commentary posted December 18, 2013 by Edmund F. Haislmaier An Obamacare Milestone

    This week Obamacare passed an unflattering milestone. As of today, the Obama administration has spent longer botching the implementation of Obamacare than the Roosevelt and Truman administrations spent fighting and winning the Second World War. America’s involvement in World War II began on December 7, 1941, with the Japanese attack on Pearl Harbor. It ended 1,365 days…

  • Commentary posted November 26, 2013 by Edmund F. Haislmaier An Obamacare Bellwether

    Corporate advertising often reflects the evolving zeitgeist. Three new ads that poke fun at the Obamacare rollout fiasco do just that. But what makes them particularly noteworthy is that they are from a health insurer. Both the source and the message are significant on several counts. First off, the insurer, Wellmark, is the parent company of the Iowa and South Dakota…

  • Backgrounder posted November 12, 2013 by Edmund F. Haislmaier Health Insurers’ Decisions on Exchange Participation: Obamacare’s Leading Indicators

    In the run-up to the launch of the Obamacare[1] health insurance exchanges, attention increasingly focused on the premiums for the new coverage—specifically the degree to which they might be higher or lower than current premiums.[2] Yet, changes in premiums tell only part of the story. Additional insights into how Obamacare is likely to alter the health care system can…

  • Commentary posted October 10, 2013 by Edmund F. Haislmaier State-, federal-run exchanges would have same effect

    In “Governor wrong about exchange, and he knows it” (Sept. 28), Sam Hall took Insurance Commissioner Mike Chaney’s side in the dispute with Gov. Phil Bryant over whether Mississippi should have run its own Obamacare health insurance exchange. Permit me to offer some clarifications and a somewhat wider perspective. The first clarification involves the interaction…

  • Backgrounder posted September 26, 2013 by Robert E. Moffit, Ph.D., Edmund F. Haislmaier Obamacare’s Insurance Exchanges: “Private Coverage” in Name Only

    Let’s be clear about the fact that nobody has proposed anything close to a government takeover of health care. —President Barack Obama, August 20, 2009 Millions of Americans are expected to enroll in Obamacare’s national system of health insurance exchanges.[1] And, for those seeking—or forced—to buy health insurance through these exchanges, the coverage will be…

  • Play Movie Obamacare is Limiting Doctor and Hospital Choices: Haislmaier on 'The Willis Report' Video Recorded on September 23, 2013 Obamacare is Limiting Doctor and Hospital Choices: Haislmaier on 'The Willis Report'

    Senior Research Fellow Ed Haislmaier discusses how Obamacare is causing insurers to limit doctor and hospital choices for Americans on Fox Business' 'The Willis Report'.…

  • Play Movie The Obamacare Exchanges: Haislmaier on 'Cavuto' Video Recorded on August 15, 2013 The Obamacare Exchanges: Haislmaier on 'Cavuto'

    Senior Research Fellow Ed Haislmaier discusses the Obamacare exchanges on Fox Business Network's 'Cavuto'.…

  • Play Movie Congress' Exemption from Obamacare: Haislmaier on 'The Willis Report' Video Recorded on August 2, 2013 Congress' Exemption from Obamacare: Haislmaier on 'The Willis Report'

    Senior Research Fellow Ed Haislmaier discusses the illegal exemptions from Obamacare on Fox Business Network's 'The Willis Report'.…