Affordable Care Act

mattbevin.com

Republican Gov. Matt Bevin has notified the federal government that Kentucky will dismantle its state health insurance exchange, Kynect.

The move will direct Kentuckians seeking health insurance under the Affordable Care Act, also known as Obamacare, to use the federal health insurance site, healthcare.gov.

More than 500,000 people have gotten health insurance through Kynect.

jfcherry / Flickr (Creative Commons License)

States initiatives to expand health insurance coverage through either traditional Medicaid or private insurance have equally good outcomes for low-income adults, according to a study released Tuesday.

The Harvard’s School of Public Health study compared survey results from 5,600 low-income adults in Kentucky, Arkansas and Texas.

Insurance policies that pay a lump sum if workers get cancer or another serious illness are being offered in growing numbers by employers. Companies say they want to help protect their workers against the financial pain of increasingly high deductibles and other out-of-pocket costs. But it's important to understand the limitations of these plans before buying.

Critical illness plans have been around for decades, but they've become more common lately as employers have shifted more health care costs onto their workers' shoulders.

When CVS Health customers complained to the company about privacy violations, some of the calls and letters made their way to Joseph Fenity. One patient's medication was delivered to his neighbor, revealing he had cancer. Another was upset because a pharmacist had yelled personal information across the counter.

Kentucky Gov.-elect Matt Bevin, who takes office Dec. 8, plans to dismantle the state's successful health insurance exchange and shift consumers to the federal one. It's a campaign promise that has sparked controversy in the state.

Supporters of Kentucky's exchange, called Kynect, have asked Bevin to reconsider. They say the exchange created under Obamacare and an expansion of Medicaid have improved public health by dramatically increasing the number of Kentuckians with health coverage.

Consumers seeking health policies with the most freedom in choosing doctors and hospitals are finding far fewer of those plans on the insurance marketplaces. And the premiums are rising faster than for other types of coverage.

The open enrollment window for health insurance is open. As of Sunday, people could start shopping for coverage through the state and federal marketplaces. Naturally, when the options are on the table (or screen), questions pop up about how the buying process works and how to choose the best plan. Here are some recent questions and answers.

I like the low premiums of marketplace plans with high deductibles, but even though I'm pretty healthy, I'm worried about having to pay for everything until I meet that deductible. Is there any way around that?

iStockPhoto

A large majority of Kentuckians want state leaders to make the reduction of health care costs a top priority, according to a Kentucky Health Issues Poll released this week.

Say you bought health insurance through the federal health exchange, paid the premiums and followed the rules.

And then say you start having pain in your hands. Your doctor refers you to a rheumatologist to test for arthritis.

But when you search for the specialist, there isn't one there.

When it comes to health savings accounts and the so-called Cadillac tax on expensive health plans, the questions just keep coming. And what do you do about adding grandchildren to a health plan? Let's tackle that one, too.

Last year, my wife and I opened a health savings account. Since then, my account has been moved twice, and we have no choice as to who manages it. We can't shop around for someone with lower fees. I think that is a big flaw in the system. Why can't I choose to have my HSA with the same company I have my brokerage account?

Pages