About Louise

I'm a wife and mama, and I love to garden and cook. I'm the voice behind the Colorado Health Insurance Insider blog and a contributor to healthinsurance.org. I enjoy reading about healthcare reform and figuring out how it will impact our clients, based on their specific situations.

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Here are my most recent posts

Burwell v Hobby Lobby – The Wisdom of Justice Ginsburg

I’ve spent the last two evenings reading the text of Burwell v Hobby Lobby.  That might sound dull, but I highly recommend it – far more interesting than the text of the ACA or the thousands of pages of associated federal regulations that have been released to supplement it.  It’s 95 pages, but it’s a relatively [...]

2015 Obamacare Open Enrollment is November 15, 2014 through February 15, 2015

The 2015 Obamacare open enrollment period is just around the corner – less than five months away now.   If you have a qualifying event between now and November 15, you can enroll during your special open enrollment period.  But if not, here’s what you need to know: 2015 Obamacare Open enrollment will begin on November 15, 2014 [...]

Colorado CHP+ and exchange subsidy eligibility

By now, I think most of our readers are aware that Colorado is one of the states that expanded Medicaid under the ACA, and that exchange subsidy eligibility begins where Medicaid eligibility ends – there is no overlap.  Households with incomes up to 133% of poverty level (actually 138%, because the law has a built-in 5% [...]

Exchange website troubles and Medicaid expansion in the HWR

Julie Ferguson hosted the Health Wonk Review this week, and it’s a great edition.  One of my favorite articles this time around is from Patrick Pine, writing at Healthcare Talent Transformation.  Patrick digs into the question of why there were so many exchange website troubles last fall – some of which are ongoing nine months later. [...]

Health Insurance Enrollment Continues to Climb, Despite Being in the “Off-Season”

Open enrollment – including extensions – in the individual health insurance market officially ended more than two months ago, on April 15 in most states, including Colorado.  Connect for Health Colorado gave enrollees until the end of May to enroll if they were still waiting for a Medicaid denial as of the end of March, [...]

Healthcare costs, Mitch McConnell confused, and over-hyped Sovaldi

Joe Paduda did an outstanding job with this week’s Health Wonk Review – head over and check it out, and I promise you’ll learn something new.  Some of my favorites in this edition are from Harold Pollack and David Cutler, Brad Wright, and Roy Poses. Harold and David have a really interesting conversation about healthcare costs and [...]

Combining rating areas in Colorado to bring down mountain premiums

Even before the ACA, individual health insurance in Colorado’s mountain towns was more expensive than in most of the rest of the state.  The ACA makes health insurance much more affordable for most people earning up to 400% of poverty level (especially in states like Colorado, where Medicaid has been expanded… we have no coverage gap).  And [...]

Great stuff from some great health wonks

Hank Stern did an excellent job hosting the Health Wonk Review this week – be sure to head over to InsureBlog and check it out.  His “life’s a beach” theme and pictures will have you longing for a hammock strung between some palm trees, but if that’s not available, the next best thing is some [...]

Reference pricing: Not as scary as it sounds

Several times in the last few days, I’ve seen versions of an article titled something like this one – “New Obamacare loophole shows failure of for-profit health system.”  Another is titled “In health care, ‘reference pricing’ could end up costing unwary consumers thousands of dollars.”  Scary stuff, huh? Except really, it’s not.  Here’s the FAQ [...]

What is a qualifying event?

Now that the 2014 open enrollment window has ended, there are very few options for health coverage that can be purchased before November 15 (when the 2015 open enrollment begins).  And most of the plans that can be purchased outside of open enrollment are not suitable to serve as your only health coverage – many of them [...]