ACA Title I, Sec. 1102. Reinsurance for early retirees. “Ugly” – Unnecessary and unwise. This section provides federal authority to establish a national temporary re-insurance fund to handle excess individual loss claims between $15,000 and $90,000 for those over 55 and prior to Medicare coverage. Up to $5 Billion annually is authorized. This amounts to… Continue Reading ›

ACA Title I, Section 1004 – Effective dates: “Ugly” – Way too ambitious! The effective dates for Section 1001 – 1003 are by law …”on or after the date that is 6 months after the date of enactment of this Act, except that the amendments made by sections 1002 and 1003 shall become effective for… Continue Reading ›

ACA Title I, Section 1003 – Ensuring that consumers get value for their dollars: “Ugly” $250 million a year grants to determine “unreasonable” premium increases. This section requires the federal government with $250 million of annual grants to states to determine which health plan premiums are “unreasonable” and to remove the offending health plans from… Continue Reading ›

ACA Title I, Section 1002 – Health insurance consumer information: “Bad” and overkill. This section provides $30 million of annual grants to states to set up groups that will supposedly fix problems consumers have with health plans and providers. This sounds good on the surface, but it would be better if consumers exercised this ability… Continue Reading ›

ACA Title I, Section 1001 Amendments to the Public Health Service Act: Nine mostly “Good” coverage improvements for the consumer with one “Bad” element. This section contains nine amendments to the PHS Act that all benefit the consumer, however these changes to insured individual and group plans also eliminate most of the cost control devices… Continue Reading ›

I have been waiting for three years for somebody to conduct an in-depth review of all of Obamacare, but not seeing anyone else willing to do so, it’s time to take up the gauntlet. Therefore, the purpose of our in-depth analysis of Obamacare or the Patient Protection and Affordable Care Act (PPACA), or in its… Continue Reading ›

A new series on the wellness aspects of the ACA called “Obamacare Revealed: The “Good”, the “Bad” and the “Ugly” starts this week with five posts a week. To get in on the action, please like our Chapman Institute Facebook page at or follow us on Twitter at @WellnessCzar. Each day’s short posting will have… Continue Reading ›