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

Medical Tourism

Don’t have insurance and you need a costly operation? Maybe you want some elective surgery done and your insurance does not cover it? Perhaps you should consider heading south of the border to have these procedures done at greatly reduced prices. Medical Tourism is a growing trend among North Americans looking for more reasonable medical [...]

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 [...]

Jogging versus Running

It’s an old joke:

What is the difference between jogging and running?

Answer: Running is my speed and faster, anyone else is just jogging.

I have been running/jogging on a fairly regular basis since I was 25, so that is 40 plus years now.

In thinking about it, the reason I run is split 50/50 [...]

How Long Will It Take For My Health Insurance Application To Be Approved?

I am often asked how long it takes to get an application for health insurance approved. The answer is always the same, “it depends on how long the insurance company takes to review or “underwrite” the information you submit. Underwriting is a term insurance companies use that basically means “background check.” Individual health insurance companies have the [...]

Is it the Health Insurance Company’s Fault that your Premium Just Increased?

 

With all the bad publicity the health insurance industry receives, it is easy to conclude that their unbounded greed is driving average Americans to the poor house with ever increasing premiums. But the truth is health insurance companies are are about as responsible for increased costs as is your neighborhood grocer when they raise the [...]

Why do I need Health Insurance?

We hear a lot about college students racking up big debts in school loans that they have little hope of being able to pay off. In a recent article posted in About.com, Miriam Caldwell discusses how having a serious medical event can similarly jeopardize an uninsured persons economic future.

Posted by Miriam Caldwell

One common [...]

How Competitve is the Individual Health Insurance Market in Colorado?

Very competitive according a recent publication of The Henry J. Kaiser Family Foundation.

One of the goals of the new Affordable Care Act (ACA) is  that the proposed new health insurance exchanges will enhance competition among insurers to help moderate premiums for individuals.

In 17 states a single health insurer dominates the market with more [...]

Shortcomings of Short Term Insurance

You may be playing with fire when you sign up for a Short Term health insurance policy.

Short Term health insurance plans are promoted by health insurance companies to cover gap periods in health insurance coverage. For example, between when person graduates from college and when they find a job that offers benefits, or perhaps when [...]

U.S. receiving poor value for health care expenditures?

According to a recent a study released by the Organization for Economic Cooperation and Development:

+ The U.S. spends far more than other developed nations on health care but ranks lower on quality and general population health.

+ The U.S. spends more than two-and-a-half times the average health spending of OECD nations.

+ The U.S. [...]

Walmart Wants To Be Your Health Care Provider

This could be great news for all of us; the potential to drastically reduce our heathcare costs by having Walmart bring the same market forces to bear on what is essentially a mom and pop industry that the Bentonville, Arkansas giant brought to retail sales.

According to an article published by flaglerlive.com, in October [...]