i thought i had 4 things to say, but only have 3, ROFL. forgive me for mis-numbering 😅

3/3 Even if the health care situation is amenable to shopping, payments have moved to value-based models making fee-for-services rates irrelevant.
www.healthsystemtracker.org/brief/ongoin...

2/3 Few adults research the price of health care -- Few instances where price transparency is truly possible due to lack of providers in-network or in your area.
www.healthsystemtracker.org/brief/few-ad...

22% privately insured people and 30% uninsured people reported rationing insulin because of cost--to save money, among the reasons listed.
www.healthsystemtracker.org/brief/out-of...

At least 1 in 5 privately insured people taking insulin spend more than $35 per month per insulin product.
This share is greater in the small group fully insured market than for Marketplace enrollees (who get income-based deductible and copay subsidies).
www.healthsystemtracker.org/brief/out-of...

Link to PetersonCHealth KFF analysis:
www.healthsystemtracker.org/chart-collec...

I'm sure you saw, but in case--these VCI hub use and costs estimates. HHS didn't disclose the exact tag, but could back match a little based on the # of state exchanges and state Medicaid/CHIP programs. My read is that most of the cost (except the federal admin part) is variable on the # of pings.

The No Surprises Act prohibits many surprise balance bills, but not all. For more on:
-when privately insured people may still be getting surprise balance bills?
-what happens next?
-what federal resources are available?
See #kff brief: www.kff.org/health-costs...

At the time of @kff_org analysis, United Healthcare had 14% of the enrollment, and accounted for nearly a quarter of No Surprises Act federal disputes. healthsystemtracker.org/brief/indepe... #healthpolicy

🗨️What stood out to you in the 2025 NBPP final rule?

💰User fee decrease in 2025 NBPP has implications for SBMs & SBM-FPs: 1) potentially tougher for SBMs' charges. 2) at the same time, gives room to increase SBM fees. SBM functions tend to be more variable with enrollment and plan participation while @healthcaregov has greater economies of scale.

Mixed premium impact changes in 2025 NBPP:
🖌️Dental routine adult care, in states that do add, would have upward impact, but possibly mixed if lowers other long-run costs
💵Risk adjustment changes: since budget neutral, depends. Some plans will win others will lose by definition

🔽Negative premium impact policies in 2025 NBPP:
User fee for @healthcaregov Marketplace plans set at the lowest level ever at 1.5% for FFM and 1.2% for SBM-FPs, down from 2024 (2.2% and 1.8) and initial levels (3.5% and 3.0%). This has a direct➖downward premium impact

🔺Positive premium impact policies in 2025 NBPP:
Network adequacy minimum for state Marketplaces (including SBMs and SBM-FPs) plans set to the federal marketplace level starting in 2026. Likely already the case for many states, puts ➕pressure in states not at min federal level.

Have seen versions of this graph in other spots (maybe from KFF too). Prolonged and persistent implosion of workforce in long‐term care facilities post-pandemic is scary.

During the Trump Administration, short-term limited duration (STLD) health insurance plans were de-regulated and allowed to go on for longer (364 days, up to 3 years renewal). President Biden campaigned on reigning in these so called “junk” plans.

Biden Admin is concerned a lay consumer, searching the web for health insurance likely can't tell whether a health insurance plan will cover their pre-existing conditions or other major health events. See for example this ad--