I wonder if we can think about #ZeroPremium #ACA plans as a de facto back door subsidy to full premium paying Off-Exchange enrollees as ZP pulls in a lot of low to no claim enrollees which drops average risk and average premium

@colemandrake.bsky.social @adrianna.bsky.social

Health insurance premiums are going up next year — unless you work at these companies As U.S. health insurance costs rise, some companies are paying for all of their workers' premiums. It's a big expense — but they say it pays off.

It's rare but not unheard of for companies to provide #ZeroPremium #HealthInsurance to employees. But that doesn't mean it's free. #EmployeeBenefits

Millions of HealthCare.gov Participants Face Coverage Loss Due Millions of HealthCare.gov Participants Face Coverage Loss Due to Burdensome Reenrollment Policies, According to New Research

CP3's @colemandrake.bsky.social co-authored a study that found losing automatic reenrollment into a #ZeroPremium plan on HealthCare.gov caused a quarter million people to become uninsured.

www.upmc.com/media/news/0...

@dmaanderson.bsky.social @dludwinski.com

Welcome to the Health Insurance Marketplace® Welcome to the Health Insurance Marketplace®. Official government website.

Millions of HealthCare.gov participants face coverage loss due to burdensome reenrollment policies medicalxpress.com/news/2025-05... #AutomaticEnrollment #ZeroPremium #Marketplace #Reenrollment #HealthInsurance #AffordableCareAct #CoverageLoss

Why does this matter?

Administrative frictions are hyper common tripping points. #ZeroPremium plans reduce frictions. #AutomaticReenrollment reduce frictions.

Little things trip people up.

The House Reconciliation bill installs massive amounts of friction that will lead to disenrollment.

Coverage Retention and Plan Switching Following Switches From a Zero- to a Positive-Premium Plan This cross-sectional study estimates how zero-premium silver plan turnover affected Marketplace coverage in 29 HealthCare.gov states after the implementation of the American Rescue Plan Act.

New RESEARCH with @colemandrake.bsky.social @dludwinski.com Sarah Avina and Dylan Nagy in @jama.com #HealthForum

Examining #ZeroPremium plan turnover leads to less re-enrollment and more active choices to plan switch

jamanetwork.com/journals/jam...

Balloon Juice - Cash cards and ACA plans? I was getting my pre-professor start hair cut this afternoon. The place I go to plays an urban radio station for background noise. It is usually good background noise but an insurance broker ad really...

How many insurers are offering cash cards with unrestricted usage on #ZeroPremium #ACA plans?

I heard an ad this afternoon offering de facto neg premium plan -- this is #ODD

balloon-juice.com/2024/08/12/c...

#ACA
#HealthPolicy

@adrianna.bsky.social @colemandrake.bsky.social

Trying to frame out my "Where have I been" and the "Where am I going" chunks of my job talk today

I think this is a good way of thinking about where I have been

Some papers can be double-counted (APM and Medicaid for instance) and others are just single topics #ZeroPremium #NothingMattersALot