The coming ACA death spiral.

    You might have heard that even if only 25% of the enrollees are young adults that the overall costs of Obamacare will increase only 2.4% and a death spiral will certainly not ensue. Assuming that the enrollees don’t skew sicker than expected (we’ll come back to that) there is still a problem – the gender makeup. It is well known that men use fewer health | Read More »

    Here’s how you get a death spiral

    You know how there has been concern that the sickest people will preferentially sign up for Obamacare, but only when they need care? Apparently hospitals are considering buying Obamacare plans for their sickest uninsured patients. That’s right, the hospital will sign up the person, pay the premiums and then submit the patient bill to the insurer. This sort of move actually guarantees that all the | Read More »