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ANALYSIS: Cynical attempts to undo health care reform

House Republicans, unable to repeal President Obama’s health care reform law outright, have decided to go after it piece by piece. If they are successful, what’s likely to remain is the kind of reform the insurance industry dreamed of but never really thought could be the law of the land.

Although the Republican-controlled House passed legislation to repeal the Affordable Care Act several months ago, the Senate, controlled by Democrats, rejected it. Bills are now being considered in the House that would strip some of the most important consumer protections from the new law. If the bills’ sponsors are successful, health insurers would be free to spend as little of our premium dollars on our health care as they want, and they would be able to continue setting lifetime limits on policies and cancel our coverage at the time we need it most—when we get sick. Other important benefits to consumers would also disappear.

Because of my nearly 20 years of experience as an executive of two large insurance firms, I was asked to provide my perspective on the legislation at a hearing today of the House Energy and Commerce Subcommittee on Health.

One of the bills would eliminate a provision of the reform law that requires insurers to spend at least 80 percent of what we pay in premiums on actual medical care. The insurance industry tried without success to keep that provision out of the final bill, so they are solidly behind the effort to do away with it.

As I am explaining to the lawmakers, there is a single-minded focus among the big for-profit insurers on being able to show Wall Street and investors two things every three months: that the companies made more money during the most recent three months than during the same period a year earlier, and that the portion of each policyholder’s premium devoted to covering medical expenses was less than it was the previous year.

When insurers release their quarterly earnings reports, investors and analysts look for two key figures: earnings per share, which is common to all companies; and the medical loss-ratio (MLR), which is unique to the health insurance industry. The MLR is the ratio between what an insurer actually pays out in claims and what it has left over to cover executive pay, underwriting, lobbying, sales, marketing, public relations, other administrative expenses, and, of course, profits.

Aetna Individual Health Insurance is a Great Buy | heath insurance

Aetna individual health insurance is a great thing to have. For one thing it is very affordable which a plus is for anyone. It is also very easy to apply for. Aside from the technical reasons it also has a number of great benefits.

Aetna individual health insurance is very affordable. This is an important factor when choosing health insurance. The economy is in such a state that everyone is trying to do anything that they can in order to save a buck. The market for health insurance is actually very competitive. This is because the demand is slowly lowering. Some people cannot even afford any health insurance at all. Others may think that it is just too big of an expense for their budget. Fewer and fewer people can afford things like health insurance. More are not even qualifying for most types of health insurance. This is very good for the consumer. This means that he or she can get the best prices and Aetna individual health insurance is a great way to go.

Aside from having a great price, Aetna individual health insurance is also very easy to apply for. They have forms that are very easy to understand and very easy to fill out. They use language that is neither complicated nor convoluted. This can help to get a broader amount of customers. Many more people prefer a direct and easy to read statement. There are also fewer forms to fill out than the average person might think. On top of all that, Aetna individual health insurance also has readily available customer service representatives who are ready to help people through any complications that they may run into in the course of filling out the necessary paperwork. Some people just like having the reassurance of a live person so that they know that their paperwork has been done correctly and has been submitted just right.

The technical aspects of applying for Aetna individual health insurance are not the only good things about it. It also has a great number of benefits that people should keep in mind too. Depending on the type of Aetna individual health insurance plan one decides on, there are things like complete coverage of primary care check ups. There are also plans that involve small co-pay. Either way a person is saving money. These savings also apply to medications. No one likes paying thirty dollars a month for a medication when they could be paying five dollars. These savings become more apparent when one is talking about emergency care. A ride in an ambulance without health insurance can cost a person thousands of dollars. Health insurance is the best way to keep you safe from the price of emergency situations.

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