One thing I’ve learned after 55 years on this planet is that we all walk around every day with biases that color our decision making. Some of these biases can be safety-related (“I really don’t want that wild snake in my home, even though I can’t tell a poisonous one from a safe one!”) or […]
In this blog, we spend a lot of time talking about the individual market (people who buy their own health insurance coverage and aren’t covered through an employer or government program.)
Why do we talk so much about them? Well, the individual market has undergone significant changes since the Affordable Care Act took effect, individuals are […]
I’m having a really bad dream, but I’m wide awake! You know the one I mean? Where you are in an impossible situation, you see something really bad about to happen, and there is nothing you can do about it? And you just have to watch the horrible event unfold, unable to change or alter […]
It’s been a pretty crazy week. Just since I last wrote to you, Donald Trump came to town, President Obama came to town. The Federal Emergency Management Agency (FEMA), the Red Cross and lots of other organizations are here distributing money and supplies and food. Relief has been pouring in from far and wide. We’re […]
I just can’t wrap my brain around these numbers (even after 55 years of living in South Louisiana).
In about 48 hours, 6.9 TRILLION gallons of rain fell on an area roughly 50 miles wide (east/west) and 30 miles long (north/south). This was enough to cover the whole area with 24 inches of water. By my […]
In January 2010, just a few months before healthcare reform law passed, I got a study by a national actuarial firm that measured the impact of state regulations on health insurance plan pricing. This study showed WIDE variation in the definition of an individual health insurance policy, and how plans were priced, from state to […]
Medicaid has expanded in Louisiana. In previous posts, we’ve talked a bit about what that means, but as enrollment has already eclipsed 250,000 people, this is a good time to review what is happening and what it means for our state.
For a very long time, hundreds of thousands of our friends and neighbors in Louisiana […]
Building a Sustainable, Affordable Individual Health Insurance Market: Why Healthcare.gov is discouraging this
I often teach classes in what I call “Health Insurance 101” here at Blue Cross. I want to make sure our employees have a good understanding of what insurance companies like us do and why we are here.
In this, I’ve developed a definition of what a health insurance company really is at its core: a […]
Most of us have already been there. Someone very dear to you, a child, parent, brother, sister or spouse gets sick, and then really sick, and you get scared. What to do?
As a first-time parent, I remember clearly being home with my six-month-old daughter one evening when she “spiked” a temperature of over 102! She […]
The BAD NEWS was right there in the headline: “Louisiana loses 19,600 jobs over a 12 month period through May 2016.” (The Advocate, June 17, 2016) Not counted in the headlines are the thousands of hourly employees whose hours are being cut to less than full time, thanks to oil sector slowdowns. It is vitally […]