Welcome to my Observations on Health Insurance Blog

With this blog I want to share with you my thoughts and perceptions of the ever changing world of Individual Health Insurance in the state of Colorado. I hope to be able to bring you new information, as well as possible different perspectives on an industry I am involved with every day.

Charley Mallon
Boulder, Colorado
Charley Mallon on Twitter

Can’t understand your health insurance? Feds say insurers must give consumers a simple summary

Don’t have the slightest clue what your health insurance covers?

As part of the Affordable Care Act the government intends to take care of that. According to a recent article by the Associated Press “the Obama administration says that’s going to change, starting this year. Officials announced that private health plans will have to [...]

Health Care Reform Timetable

Changes to your health insurance coverage required by the Affordable Care Act have been phasing in for over two years now. Despite the complaints from a very vocal opposition, most of these provisions have proven to be very popular with the American public.

Key changes for individual health plans

2010 * Young adults can stay [...]

Money Back From Your Health Insurance Company

One of the little discussed provisions in the new Afordable Care Act (Obamacare) that is going to be very popular with the American public is the requirement called Minimum Loss Ratio (MLR). Starting January 1, 2011, health insurance companies must reimburse their clients for excessive premium dollars collected. Health insurance companies are now required to spend 80% (individual policies) [...]

Whatever Court Rules, Major Changes in Health Care Likely to Last

The New York Times recently published a very interesting article by Reed Abelson, Gardiner Harris and Robert Pear about the changes that have occurred in health care due to the passage of the Affordable Care Act in March of 2010. Among the changes cited are:

* Tougher oversight of health insurers, the expansion of coverage to one [...]

In health insurance, what counts as ‘essential’?

Posted by Sarah Kliffat

This Friday, the Institute of Medicine will take a first stab at answering one of health reform’s most important unknowns: What counts as an “essential health benefit”? It’s a key question that just about everyone with a stake in health reform is waiting for an answer on.

Under the health reform [...]

Supreme Court to Decide on Health Care Law

States and a business group opposed to President Barack Obama’s health care overhaul asked the Supreme Court on Wednesday for a speedy ruling that puts an end to the law aimed at extending insurance coverage to more than 30 million people.

The high court should strike down the entire law, not just the main requirement [...]

What Happens if the Individual Mandate to Purchase Health Insurance is Overturned?

If you have been paying attention at all, you know that one of the basic pillars of the Obama administration’s Patient Protection and Affordable Care Act (Obamacare) may soon be challenged in the Supreme Court. What will be decided is if the federal government can require individuals to purchase health insurance or face a penalty.

[...]

Federal COBRA Subsidy Coming to an End

The March 2009 Federal COBRA subsidy that mandated employers cover 65% of COBRA premiums for employees who were involuntarily terminated between September 2008 and May 2010 for a period of up to 15 months is coming to an end. The last group of eligible recipients (those who began receiving assistance in May 2010) will [...]