About Jay Norris

Jay operates a health insurance brokerage in Colorado, where he helps individuals and small groups obtain and maintain health insurance coverage.
Complimenting his work as a health insurance broker, Jay is also a data analyst working to create visualizations that are easily understood by consumers and other stakeholders in Colorado’s health insurance market.

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Recent posts by Jay Norris

A Legal Scam

After David and Darlene Henderson had more than $210,000 in hospital bills, their health insurance company only paid $33,428, leaving more than $180,000 for the Henderson’s to pay by themselves. For $400 a month, the couple said, the Mega agent told them that they could have a catastrophic group health insurance policy that would cover […]

Doctor Anonymous Hosts Grand Rounds

This week, Doctor Anonymous gives us a peek into each article by quoting a good chunk of his favorites and explaining a little about the best of the rest.  The Colorado Health Insurance Insider made the best of the rest with Louise’s article on sending healthcare overseas.  There were a few other articles that the […]

The Logical Insurance Salesman Has Skinny Kids

I was recently talking to a Colorado client about her husbands health insurance options.  She had the option of adding him to her group plan for $415 per month.  They had been shopping all over the internet for an individual health insurance plan and had decided that they wanted the most comprehensive plan available and […]

IRS Issues 2007 HSA Contribution Limits

The IRS just announced the HSA limits for 2007. The maximum HSA contribution (not including catch-up contributions) will be $2,850 for self-only coverage and $5,650 for family coverage in 2007. Additionally, the maximum out-of-pocket expense—including deductibles—that employees with single coverage can be required to pay will rise to $5,500, up from $5,250 in 2006, and […]

Back To Reality

Sorry about the lack of posts over the last few weeks.  Louise and I haven’t been in Colorado since October 23’rd because we were on vacation.  We were still able to keep up with all of our health insurance clients by helping get claims paid, solving billing problems, and helping them compare alternate plans.  But […]

Why is the Cost of Health Insurance Rising So Fast?

When people try to explain why health insurance premiums are rising so fast, the common explanation you’ll get is that the cost of healthcare is rising.  And, yes, this does have something to do with the reason health insurance premiums are increasing.  But it’s not the reason health insurance premiums are so out of control.  […]

The Wrong Idea

I was recently going over some health insurance options with a client. We were comparing some high deductible HSA qualified plans with some lower deductible copay plans. She then asked about some of the really cheap plans she saw on our instant quote engine like Right Start from Assurant. I explained that we don’t recommend […]

Ezra Klein Rules!!

Now I admit that healthcare topics may not be the most interesting reading on the internet – for some people.  But Ezra Klein is hosting the Health Wonk Review this week and boy, oh boy does he have a way with words!  He kept it short, to the point, and most of all… entertaining.

Make Love Not Debt Talks Personal Finance

There is a LOT of talk about debt and personal finance over at Make Love Not Debt today.  I wish I had the time to go through and read all of them, because there are some really interesting topics in this weeks edition of the Carnival of Personal Finance.  My favorite one is from InsureBlog […]

Primer for Your Weekend

The weekend is almost here, and many of us are ready to unwind after a long, stressful work week.  There are so many ways to relax, which do you prefer? Drinks Mixed with Diet Soda Are More Intoxicating Researchers in Australia found out that when you drink alcohol with diet soda, the artificial sugars in the […]

United Healthcare in a Tough Battle

After United Healthcare lapsed their contract with HCA, things got ugly. Dr. Craig Keyes, CEO of United’s Colorado division, was accosted and his house vandalized in July. HCA was was even attempting to get United Healthcare clients to switch to carriers contracted with HCA. Well now, Frontier Airlines, which is based in Denver, is switching […]

Harvest Moon Health Wonk Review

Joe Paduda over at Managed Care Matters hosts this weeks HWR.  He cut the fat and kept the list down to an all star list of 15 entries, each with a very helpful commentary. Ezra Klein discusses an idea by Jacob Hacker called Universal Insurance.  An all-purpose insurance that covers health expenses, disability, or “whatever”.  […]

A Very Grand Rounds

Grand Rounds version 3.2 is up over at RDoctor.  There are some really great articles in this edition, so I recommend hopping over there for some amusement.  It includes an article from the Colorado Health Insurance Insider that Louise wrote about Financial Incentives for Good Health. I really enjoyed an article about the overuse of antibiotics […]

Colorado Businesses Pay More for Health Insurance, Especially Greeley

The Greeley Tribune reports that small businesses in Colorado pay more for health insurance than companies in other states, with Greeley paying Colorado’s highest health insurance costs.  The article does a good job of attempting to explain this, but misses the point. A study of more than 650,000 businesses across the U.S. that had 50 […]

We’ve Gone Pink

In honor of Breast Cancer Awareness Month and a close friend that was recently diagnosed with breast cancer, Colorado Health Insurance Insider is sporting a pink monochrome throughout October to promote awareness.  Many sites across the internet, especially within the blogosphere, have redesigned their layouts in pink to promote awareness of this disease. Breast cancer is the […]

Ask Your Agent if This is a “Push Week”

I was at the gym the other day and I overheard a guy talking to his buddies about a plan he’d come up with.  He said “Next week is a Push Week, so I wonder if you could buy a policy from me and we could just cancel it the next week.  You’ll get all […]

Personal Finance on The Oregon Trail

This week, Punny Money put together the best Carnival of Personal Finance I’ve ever read.  If you’re like me and into personal finance, it’ll arouse some nostalgia from about 1984 and also give some very good reading about personal finance along the journey.  This adventure from 1868 is a can’t miss and has a great […]

Another Use for Your HSA

Inside many Colorado Target, Wal-mart, Kroger, and Walgreens stores you’ll find walk-in clinics like MedPoint Express, MinuteClinic, RediClinic, and now SmartCare Family Medical Centers.  These in-store clinics allow a fast and convenient option for those with a minor medical need, like an ear infection, and want quick treatment.  The problem with these clinics, right now, is […]

HSA Usage

A Kaiser Family Foundation poll found that out of all the people with job related health insurance, only 4 percent are enrolled in an HSA qualified plan. “We don’t know yet whether workers and employers ultimately will embrace consumer-driven health plans in big numbers, but it certainly hasn’t been a tidal wave,” study co-author Gary […]

Small Victory

Yesterday, we commented on the story of Jerry Ansley, who got the $2.5M mosquito bite and was about to lose everything because he had MidWest National as his health insurance company.  Well, Jerry got a small victory today because he will get to keep his house.  UNC Hospitals said it will give up its claim […]

Smoking Ban Reduces Heart Attacks

A study done in the 18 months after Pueblo, Colorado enacted its smoking ban in 2003 shows a 27 percent decrease in hospital admissions for heart attacks for city residents. The study was led by Dr. Carl Bartecchi, a clinical professor of medicine at the University of Colorado School of Medicine in Denver. “Heart attack […]

Panel Recommends Basic Health Insurance Plan for All

A federal advisory panel said Monday that Congress should take immediate steps to guarantee that all Americans have access to affordable health care by 2012. As a first step, the 14-member panel, appointed by the comptroller general of the United States, said, “A national public or private program must be established to ensure protection against […]

Who Likes Personal Finance?

For those of us who can’t get enough information on personal finance, the Canadian Capitalist has over 50 articles in the Carnival of Personal Finance.  My favorite entry was from InsureBlog about how important it is to choose the right health insurance policy.  Mid-West National Insurance Company sells its limited benefit, hospital indemnity plans under […]

Separate Your HSA from Your Health Insurance

All of the health insurance companies we work with in Colorado now offer HSA qualified high deductible health insurance plans (HDHP). After you’re approved for an HSA qualified HDHP with these companies, they’ll send you information and application information to sign up for a health savings account with a bank they work with. For example, […]

Humana Extends Contract with HCA-HealthONE in Colorado Through 2008

Good news for our clients with Humana health insurance. After it seemed that HCA was handing out unreasonable rate increases, Humana Inc. HUM announced today that its existing contract with HCA-HealthONE hospital and ancillary facilities has been extended from June 1, 2007 through May 31, 2008 for all Humana members throughout Colorado. “We have forged […]