The End of Private Health Insurance In America

The boss of one of the largest insurers in the country recently had a very public bombshell about the future of his industry - the prospects for imminent death.

On February 1 conference in Las Vegas, Aetna President Mark Bertolini told a crowd of thousands that "the end of the insurance companies, the way we run the business in the past here."

This is not just industry whining - it's the truth. And the main reason for the shift is Obamacare - to her critics 'dismay, and the champions' enjoyment. The president of the Reform Law installed dozens of new restrictions on how health insurance plans can be sold, priced and managed. Sales Policy has become a money-losing proposition for many companies. And a number have already scaled back or completely shut down as a result.

Make no mistake - Obamacare means the end of private insurance as we know it. And slowly but surely, patients previously covered by private insurance find themselves diverted to the government health programs.

One of the most disturbing new Obamacare the limitations is the "minimum medical loss ratio" (MLR). This rule requires that insurers for 80 to 85 percent of all premiums received on the receivables to spend. The first regulates the individual and small group markets, the latter the large group market.

The idea is to prevent insurers funneling large amounts of revenue in the direction of administrative costs or profit. If the company does not hit the 80 - or 85-percent target, he must discount its customers the difference.

This rule may sound reasonable. After all, who does not want a better price for their premium dollars to get?

But it is exerting a serious toll on insurers' bottom lines. WellPoint, the nation's largest insurer, has an estimated $ 300-1000000 hit last year as a result of the rule. Aetna ago $ 100 million in damage at the hands of the MLR.

Insurers will not only eat those losses. They increase the premiums to compensate. And the consumer will be left holding the bag.

Further, most administrative burdens - such as office rent and staff salaries - are relatively fixed. And the industry's profit margin in the vicinity of 2 percent. So the easiest way for many insurers for administrative costs to driving under the threshold would be to hike premiums and just pay providers more money.

That would be good news for doctors and hospitals - but it certainly will not for patients.

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