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Antonioni: Centenary Essays ed by Laura Rascaroli and John David Rhodes: review. 4:06PM GMT 09 Mar 2012. Of all the key filmmakers Europe produced in the post-war decades, Michelangelo Antonioni (1912-2007) stands in a paradoxically shaky position in terms of his mainstream reputation these days. Next to and contrast his contemporaries, his work was the most fiercely modernist in style and outlook, yet it presents a remote, not-altogether-welcoming facade to the uninitiated viewer: consider his portraits of swinging-Sixties London in Blow-Up (1966) or the cover acid dropout generation in Zabriskie Point (1970). And it#x2019;s still always accused of being taxingly stern, formally indulgent, glacially paced and emotionally indigestible, all four of which observations are frequently true, but make it no less mysterious or alluring. Geoff Dyer has recently claimed that L#x2019;avventura (1960), Antonioni#x2019;s breakthrough success and one of the great causes celebres in Cannes history, represents his absolute pinnacle of time-stretching tedium in film viewing #x2013; and this in Zona , Dyer#x2019;s enraptured shot-by-shot tour guide to Andrei Tarkovsky#x2019;s legendarily abstruse, three-hour-long Stalker . L#x2019;avventura , to me, doesn#x2019;t feel nearly as #x201c;difficult#x201d; now as it would have done to that apoplectic first audience, but only because its influence on compare and contrast directors has percolated down over the ensuing half-century into most of the world#x2019;s art cinemas, from Iran (Abbas Kiarostami) to Far East Asia (Apichatpong Weerasethakul, Tsai Ming-liang), to Argentina (Lucrecia Martel), Turkey (Nuri Bilge Ceylan), and our very own Joanna Hogg. Antonioni#x2019;s themes #x2013; the alienation of modernity, disintegration of relationships and families, environmental devastation, loss of personal identity #x2013; may be almost wearyingly easy to synopsise by now, but it#x2019;s his stylistic search for them that casts a longer shadow. The placing of people in university essay a particular landscape #x2013; and and contrast essay, particular compositions #x2013; is what speaks to their condition, offering more clues to characters#x2019; inner states of being than anything in his studiedly opaque dialogue. And Politics An Essay! The editors of this centenary essay collection tackle the compare and contrast essay inherited critical view on convention Antonioni (#x201c;Interstitial, Pretentious, Alienated, Dead: Antonioni at 100#x201d;) in a helpful introduction, before opening the floor to compare essay a variety of specialised viewpoints. The value of his early documentaries in speed on dromology the development of a voice, his role in the rise of commercial Italian television, a bold if reaching attempt to anatomise #x201c;Antonioni#x2019;s Waste Management#x201d;: in due deference to a book produced under the BFI#x2019;s auspices, these chapters are of chiefly academic interest, and risk keeping his work confined under the lock and key of niche film-studies.
Elsewhere, we get more persuasive cases for directions, why the films might reward wider reappraisal. Rosalind Galt gives the lie to cliches of Antonioni#x2019;s style as one of ascetic barrenness and university florida application essay prompt, rigour by arguing that L#x2019;avventura is pointedly engaged with a picturesque aesthetic, too. Robert S C Gordon removes The Passenger (1975) from the compare and contrast directions shackles of an exclusively auteurist reading, asking us to analysis essay consider the roles of screenwriter Mark Peploe, star Jack Nicholson, and the different generic precursors we think of as #x201c;reporter#x201d; movies in assessing it. Compare And Contrast! Perhaps the best (and least jargon filled) stand-alone contribution comes from personal statement ending David Forgacs, whose chapter #x201c;Antonioni and Actors#x201d; plunges straight into an under-hailed area of compare and contrast directions his technique. His strict instructions in terms of expression and body movement might make it hard to view him as an #x201c;actor#x2019;s director#x201d;, but he knew exactly what instruments he had in front of the camera, and merely insisted on being the one to play them. Though Jeanne Moreau hated performing the role of the wife in my favourite Antonioni film, La notte (1961), her frustrations certainly weren#x2019;t in vain: she#x2019;s astonishing.
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Johnson County Community College. Overland Park, KS, Class of 2021. Penn State University. University Park, PA, Class of compare and contrast directions, 2018. Middletown, CT, Class of 2020. Hanover, NH, Class of 2018. Previous Finalists’ Essays The 10 Best Modern Love Columns Ever » View all Modern Love columns » After a First Time, Many Second Thoughts.
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Directions for Writing a Comparison/Contrast Essay | Synonym
The Value of Homework: Is Homework an Important Tool for Learning in the Classroom? Homework continues to be a controversial topic. Directions? The debate over homework is an personal statement ending old one, with attitudes shifting throughout the debate over the years. Proponents and opponents make cases to support their views on essay directions, the necessity and ending, importance of homework in the development of the student and the construction of knowledge. Good and Brophy (2003) indicate that many view homework as, “An important extension of in-school opportunities to learn” (p. 393). While some proponents of homework believe in its purpose, a question still persists about the role of homework in determining the student’s grade. Should homework be assigned and graded on a regular basis, or should it be viewed as an educational means to essay, an end? As a means to an end, should one centralized school or district policy govern homework, or should some flexibility exist?
Education consultant Ken O’Connor (1999) suggests eight guidelines for successful assessment, which includes a directive to not mark every single assignment for grades, but rather take a sampling of student efforts in order to assess how much they have learned. His approach pushes for a more standards based approach in essay political republican summer, determining grades, combining formative assessment to track students’ grasp of lesson concepts as they learn, enabling adjustment of essay directions teaching practice on-the-fly, and summative assessment in the form of a test or quiz, which measures the level of an essay student knowledge and understanding after the learning process. This is also a valuable tool for compare and contrast directions, the teacher, as they may be better able to gauge the efficacy of their lessons and unit. In a study conducted by Hill, Spencer, Alston and Fitzgerald (1986), homework was positively linked to student achievement. They indicate that homework is an inexpensive method of speed and politics on dromology improving student academic preparation without increasing staff or modifying curriculum. “So, as the pressure to improve test scores continues to increase, so does the emphasis on homework” (p. 58). 142 school systems in North Carolina were contacted.
Of the initial 142 schools, 96 responded, and were sent three-part questionnaires seeking information about the existence, scope, development and evaluation of homework policies in their schools. The researchers cite several general conclusions based on their findings, including the importance, and apparent lack, of homework policies in existence. Despite the compare and contrast essay, pervasive nature of homework in every participating school, only 50% of the speed and politics, schools indicated the existence of a written homework policy. Amongst the policies reported by the other half of the participating schools, most of the policies specified the type or quality of homework to be assigned, and allowed some flexibility in the assignment and evaluation of homework. The authors indicated: Particularly encouraging signs were that a variety of types of and contrast directions homework were suggested, and the focus of homework assignment was toward meaningful, creative, and high-level thinking endeavors. and away from tedious busy work and drill . (Hill, Spencer, et. al, 1986, p. 68)
Homework is seen as a valuable resource for teaching, allowing students to practice, and in doing so, learn the analyst no experience, unit material. This study documented the compare directions, importance of flexibility in convention democratic republican summer, the assignment and evaluation of quality homework assignments, but also the alarming lack of a written homework policy in 50% of the participating schools. It can be drawn from this study that some type of homework policy is necessary, as is the assignment of higher cognitive types of homework and the flexible assessment and compare essay, grading of that work in order to foster and track student learning. Cauley and McMillan (2009) define formative assessment as, “A process through which assessment-elicited evidence of student learning is gathered and instruction is modified in response to feedback” (p. On Dromology? 1).
The authors suggest the use of feedback in the process, but suggest a steering away from performance-goal oriented extrinsic motivators such as grades. Emphasis on performance and grades during the formative process can be detrimental to eventual student achievement because it might shift student focus away from their goal of mastery of course material to concern over the way their abilities might be judged by their peers (Cauley McMillan, 2009, p. 3). Constructive feedback throughout this process maintains the focus on mastery goals created at compare and contrast, the outset, and provides the student with the support necessary to make connections between new learning and prior knowledge. Homework, ongoing formative assessment, and feedback are all considered to be part of the analyst cover, instruction process. Grading and compare essay, recording the work completed throughout this time would not accurately create a record of the student’s level of understanding and knowledge because they are still in 2004 convention essay political republican summer, the process of learning the material. McMillan, Myran and Workman (2002) conducted a study of over 900 teachers in order to investigate the assessment and and contrast, grading practices in practice. The authors used surveys returned by a sample of 901 participating teachers of grades 3-5, representing a total population of 1,561 teachers of those grade levels from 124 schools near Richmond, Virginia. The surveys featured a 6-point scale for participants to rate the emphasis they placed on brothers essay, different assessment and grading practices, with 1 being not at all and 6 representing completely.
The findings revealed relatively low emphasis on homework grades, but also a positive correlation between the essay directions, importance of homework and increasing grade levels. The authors state that: Given the relatively low emphasis on homework, comparisons with other students, other teachers’ grading, and financial cover letter no experience, the infrequent occurrence of borderline cases, these results suggest that teachers conceptualize two major ingredients actual performance, and effort, ability, and improvement. Of these two, academic performance clearly is most important, but effort, ability, and improvement remain as fairly important, especially for some teachers . (McMillan, Myran, Workman, 2002, p. 209) This study documents the importance of homework in the construction of knowledge, but also identifies the fact that there was little emphasis placed on the grades for that work. The majority of the essay directions, assessment for the students was derived from financial analyst, test and quiz scores, or other forms of summative assessment. O’Connor (1999) begins his list of eight guidelines for successful assessment with the indication that the only acceptable basis for student grades is compare directions, their own individual achievement. He goes on to specify that grades recorded must measure the student’s achievement of the learning goals established at the outset of the unit. This suggestion is aligned with the information provided by Cauley and McMillan (2009), which emphasizes the importance of setting mastery goals prior to the instruction process. They also convey the idea that feedback, and not grades, should be used during the learning process, as formative assessment takes place. The true measurement of what the student has learned comes at the end of that learning process, in the form of a summative assessment, which McTighe and O’Connor (2005) suggest also be used at the outset of the unit to establish realistic performance goals:
This practice has three virtues. First, the 2004 convention democratic, summative assessments clarify the targeted standards and benchmarks for teachers and and contrast, learners. Second, the karamazov essay, performance assessment tasks yield evidence that reveals understanding. Third, presenting the authentic performance tasks at the beginning of a new unit or course provides a meaningful learning goal for compare and contrast essay directions, the student . (McTighe and karamazov, O’Connor, 2005, p. 2) Waiting until the end of a unit, however, to measure student learning is a mistake, since the time for instruction and learning of that material has ended.
It is in the course of the instruction and and contrast essay, learning process that McTighe and O’Connor also place importance on 2004 convention republican, the formative assessment process. Homework is essay directions, a form of formative assessment, along with draft work, ungraded quizzes and other exercises used with the intent of guiding and instructing the student to promote higher-level cognitive connections. Placing little or no emphasis on grades on those types of exercises and activities allows for focus on the mastery goal, and keeps feedback constructive. “Although teachers may record the personal statement, results of formative assessments, we shouldn’t factor these results into summative evaluation and compare and contrast, grading” (McTighe O’Connor, 2005, p. 1). This philosophy could be seen in the low levels of emphasis placed on homework grades in the study by McMillan, Myran, and Workman. Effort, ability, and analysis, improvement remained important factors in that study, and McTighe and O’Connor echo that idea in compare and contrast essay directions, their discussion of replacing old student achievements with new ones. They take into consideration, the and politics on dromology, varying learning curves of different students, and their progress toward goals set at the beginning of the unit. A student will likely have a greater mastery over the unit material at the end of instruction, than at the outset of instruction. That point, at the end of instruction is the appropriate time to measure what the student has learned, allowing improvements to replace previous difficulties or failures. McTighe and O’Conner (2005) note, “Allowing new evidence to replace old conveys an important message to students that teachers care about compare and contrast essay their successful learning, not merely their grades” (p. 6). The material reviewed has established the statement ending, importance of the existence of a flexible, written homework policy on a school or district level.
Mr. O’Connor presents a total package, in essay directions, this respect, to schools and districts that are seeking to establish a policy, or re-evaluate their current one. Following my research and analysis of the relationships between the literature, and Mr. O’Connor’s work, questions still remains unanswered, possibly to be addressed in further study: Will students be motivated to complete homework and/or classroom activities that they know will not be graded? If there were a problem with student motivation in analysis essay, this respect, what would the impact be on achievement in a setting where the same, or similar type of policy is in place? If a teacher wishes to use homework for the purposes of ungraded formative assessment, they must be certain that the work is truly that of the learner him or herself, with no outside assistance coming from family members or tutors they might see outside of school. This is a major problem related to the use of homework in this way, as homework results may not truly be indicative of the student’s acquired knowledge. Cauley, K., McMillan, J. (2009). Formative assessment techniques to support student motivation and and contrast, achievement.
Clearing House, 83(1), 1-6. 2004 Convention Democratic Essay Political? Retrieved from Professional Development Collection. Good, T., Brophy, J. (2003). Looking in classrooms, ninth ed. Essay Directions? Boston: Allyn and Bacon. McMillan, J., Myran, S., Workman, D. (2002). Elementary teachers' classroom assessment and grading practices. Journal of Educational Research, 95(4), 203 . Retrieved from Professional Development Collection database: http://0-search.ebscohost.com.library.lemoyne.edu/login.aspx?direct=truedb=tfhAN=6673804site=ehost-live . McTighe, J., O’Connor, K. (2005). Seven practices for effective learning. Literary? Educational Leadership, Vol. 63, No.3.
Cauley, K., McMillan, J. Directions? (2009). 2004 Convention Democratic Political Republican? Formative assessment techniques to support student motivation and achievement. Clearing House, 83(1), 1-6. Compare And Contrast? Retrieved from Professional Development Collection. Good, T., Brophy, J. (2003). Looking in classrooms, ninth ed. Boston: Allyn and Bacon. McMillan, J., Myran, S., Workman, D. 2004 Convention Democratic Essay Political Republican Summer? (2002). Elementary teachers' classroom assessment and grading practices. Journal of Educational Research, 95(4), 203 . Retrieved from Professional Development Collection database: http://0-search.ebscohost.com.library.lemoyne.edu/login.aspx?direct=truedb=tfhAN=6673804site=ehost-live . McTighe, J., O’Connor, K. (2005). Seven practices for essay, effective learning.
Educational Leadership, Vol. 63, No.3. Carbone II, S. A. (2009). The Value of Homework: Is Homework an brothers Important Tool for Learning in the Classroom? Inquiries Journal/Student Pulse , 1 (12). Retrieved from http://www.inquiriesjournal.com/a?id=99.
Carbone II, Steven A. The Value of Homework: Is Homework an Important Tool for Learning in the Classroom? Inquiries Journal/Student Pulse 1.12 (2009). http://www.inquiriesjournal.com/a?id=99 Carbone II, Steven A. Essay? 2009. The Value of Homework: Is Homework an Important Tool for application essay, Learning in compare and contrast directions, the Classroom? Inquiries Journal/Student Pulse 1 (12), http://www.inquiriesjournal.com/a?id=99. CARBONE II, S. A. 2009. The Value of Homework: Is Homework an 2004 convention essay Important Tool for Learning in the Classroom? Inquiries Journal/Student Pulse [Online], 1. Essay Directions? Available: http://www.inquiriesjournal.com/a?id=99. Utilizing Technology for essay of frankenstein, Learning STEM Subjects: Perceptions of Urban African-American Middle School Students.
Race, Class, and Oppression: Solutions for Active Learning and and contrast directions, Literacy in the Classroom. Timed Writing Assessment as a Measure of university application essay prompt Writing Ability: A Qualitative Study. 2017 Student Pulse . All rights reserved. ISSN: 2153-5760. Disclaimer: content on this website is for informational purposes only.
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6 Punctuation Tips For A Sexier Resume. #1 Thing Recruiters Want You To Know About Getting A Job AppDynamics. How To Land A Job At Northside Hospital. 3 Tips For Getting A Job At Medidata Solutions. The Secret To Networking When You Don#039;t Have Any Time. 3 Ways Emotionally Intelligent Leaders Make The Most Of Online Collaboration. You want a resume, cover letter, and LinkedIn profile that presents you in the best possible light. With all of the emphasis on loading your documents with keywords, accomplishments, and and contrast essay directions, metrics that make the case for you being the perfect fit for the position you’re after, have you overlooked proper punctuation?
Some might wonder what the big deal is about punctuation. Surely if you start your sentences with a capital letter and end them with a period, that’s all you need to worry about, right? Unfortunately not. Application Essay Prompt 2012! The text in career documents is often so packed with information that seemingly inconsequential punctuation missteps can distort your meaning, or worse: cause the reviewer to pause in confusion. That pause is bad news for you: it may make the reviewer see you as a less-than-attractive candidate, questioning your ability to communicate or pay attention to details, both highly valued skills in today’s workplace. Directions! Just as a modern spouse becomes more alluring to a partner by doing the dishes and laundry, using proper punctuation makes you downright sexy to a hiring manager. Financial Analyst! Both efforts make lives easier for the people who are important to you, so go the and contrast directions, extra mile by following these important rules (and do the 2004 summer, dishes): In addition to appearing at the beginning of sentences and in compare and contrast essay directions, section headings, capital letters also signify important words. But using too many “important words” in your documents slows the literary analysis essay of frankenstein, reader down or seems pretentious. For example, I sometimes see text like this in resumes: “Expertise in directions, Human Resources, Training, and Recruiting” Try: “Expertise in human resources, training, recruiting” instead. Other than proper names like your own name or the names of products, you will rarely need to capitalize words that don’t appear at the beginning of a line or sentence.
You’ll also want to capitalize your own job title above each position listed on your resume. However, if you reference someone else’s job title in karamazov rebellion, your career documents, the general rule is that it is compare essay, only capitalized when the person#8217;s name follows (Vice President Joe Smith) not when merely referring to the position (as in “reporting to the vice president”). Of course, every rule tends to have its exceptions, and personal statement, there are a few for capitalization. Essay Directions! However, these are good to personal, start with. Use hyphens for compound adjectives that precede a noun, such as “client-focused approach” or “full-time employees.” And if you have two adjectives that modify the same base word, use a hyphen after the first, as in “mid- and senior-level management.” Do not use a hyphen in a compound adjective if the first word ends in –ly, as in “highly qualified candidate.” Semicolons can either separate two independent clauses when the second clause is not directly related to the first, or they can be useful when you want to list items that already include a comma. Essay! For example, “Proficient in speed and politics an essay on dromology, software including Microsoft Excel, Word, and PowerPoint; CorelDRAW; and compare, Adobe Photoshop.” Colons are used to join two independent clauses when the second clause is directly related to the first. And Politics On Dromology! The most common usage in and contrast directions, career documents is for lists, as in “Proficient in statement ending, the following software: MS Excel, Word, and PowerPoint.” There’s fierce debate between those who advocate using serial commas (putting a comma before the compare directions, final “and” in and politics an essay on dromology, a series) and those who don’t. The best practice for compare and contrast essay, resumes is to use serial commas, as they can really make your career documents easier to understand. This is especially true when you list series of speed and politics an essay items where two things may be grouped together (think: sales and marketing). But even sentence construction like “Facilitate mock interviews, identify position and tailor interview questions” may cause the compare and contrast, reader to stumble.
At first read, it may sound like the candidate is responsible for identifying a position and democratic republican summer, identifying someone who tailors clothes! So my advice is to avoid ambiguity by always using serial commas in career documents. The current convention is to use one space after a period, not two. And Contrast Essay Directions! Same goes for an essay, colons. I know, I know. If you grew up learning to type on an IBM Selectric, back in compare essay, the stone ages like I did, this is university essay prompt 2012, a hard habit to break. But, if you keep using two spaces, you’ll look as antiquated as the compare and contrast essay directions, typewriter. Trust me, knowing these six punctuation tips will make you a real turn on to an employer.
Now that you’ve reviewed some of the punctuation rules that you’ll want to be aware of, I’ll share the most important rule of all: however, you choose to literary essay, use punctuation throughout your career documents, do it consistently! Even more jarring than not following proper punctuation rules is following them only directions, some of the time. Karamazov Rebellion! Of course, these rules may change depending on the document you may be writing. Or, if you have a profession (like journalists do) that demands adherence to compare, a specific style guide, like AP, Gregg, or Chicago#8230; Hot, I know. ;-) For a more in-depth look at punctuation, I recommend checking out Susan Whitcomb’s book Resume Magic . Of Central Prompt 2012! It’s a great resource for every aspect of preparing your resume, and has a particularly good section on punctuation. And, if you’d like to see resumes with some real sex appeal, check out my samples on ProfessionDirection.com. This post was originally published on an earlier date. Compare! Kristin S. Speed On Dromology! Johnson is a TORI award-winning, 6-times certified resume writer, job search coach, and social media consultant. Her approach is cutting-edge, creative, and kind.
As owner of Profession Direction, LLC, she works with professionals and aspiring executives across the country. Disclosure: This post is sponsored by a CAREEREALISM-approved expert. Compare And Contrast Essay! You can learn more about expert posts here .
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CO-OP health plans: patients’ interests first. By Louise Norris healthinsurance.org contributor August 27, 2017. It’s been a rough few years for the ACA’s Consumer Operated and Oriented Plans. There were 23 CO-OPs when the first open enrollment period got underway in the fall of 2013, but by the beginning of 2016, only 11 of them were still operational. By July 2016, four additional CO-OPs – in essay directions Ohio, Connecticut, Oregon, and Illinois – had failed. And in September, Health Republic Insurance of New Jersey stopped offering new plans and announced that their existing plans would terminate at the end of 2016 (unlike the other CO-OPs that have failed, state regulators in New Jersey were initially saying that it might be possible for Health Republic to be rehabilitated enough to return to essay the market in compare and contrast 2018, but that ultimately was not the case, and an order of analysis essay, liquidation was filed in compare February 2017). In December 2016, more than a month after open enrollment began for financial cover 2017 coverage, Maryland regulators announced that Evergreen Health CO-OP would not renew or issue individual market plans for 2017, leaving just five CO-OPs offering coverage in 2017 (Maryland regulators made an administrative order in July 2017 that is and contrast essay directions expected to essay of frankenstein lead to receivership for Evergreen Health). In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017. Compare And Contrast. Their intent at that point was to reopen in 2018 as Minuteman Insurance Company (and to financial analyst no experience have plans available for sale during open enrollment in the fall of 2017 under that name), which was to have been a for-profit insurer rather than a CO-OP.
But by mid-August, they had failed to raise enough capital by the deadline to secure a license to and contrast essay sell coverage for 2018, and would not be able to re-open as Minuteman Insurance Company in brothers 2018. Minuteman Health has been placed in compare essay receivership by the Massachusetts Division of Insurance, and their plans will terminate at analyst the end of 2017. After all the closures, there are just four CO-OPs slated to offer coverage in 2018, in five states: Maine, Montana, Idaho, New Mexico, and Wisconsin. The CO-OP failures have been due in large part to a combination of premiums that were too low, benefits that were too generous, enrollees who were sicker than anticipated, competition from directions, bigger carriers with larger reserves, the risk corridor shortfall that was announced in the fall of 2015, and the risk adjustment payment announcements that were made in June 2016 (see below for a timeline of the speed an essay on dromology closures). The Trump Administration’s approach to health care reform, and GOP lawmakers’ efforts to repeal and replace the ACA (via bills written in secret that bypass the normal bipartisan committee process), have further increased the compare and contrast essay uncertainty that insurers are facing, making the situation even more precarious for cover letter small insurers like the remaining CO-OPs. 2018: 4 CO-OPs selling plans in 5 states. There are four CO-OPs that are expected to offer plans in five states in 2018. Compare Essay Directions. Although the vast majority of the original CO-OPs have failed, these four are showing signs of overall stability. It’s important to note, however, that if the Trump Administration continues to cause uncertainty and instability in the insurance markets (including Trump’s recent threats to cut off federal funding for cost-sharing reductions), the remaining CO-OPs will be among the most vulnerable.
Community Health Options (CHO) This was originally called Maine Community Health Options, but the name was changed to 2004 convention democratic essay republican reflect the carrier’s expansion outside of Maine. 44,000 people enrolled in coverage through the exchange in 2014, and 83 percent of and contrast directions, them selected Community Health Options, making the CO-OP’s first year an an essay on dromology, amazing success. CHO expanded into New Hampshire for essay 2015, fueled by their initial success in convention democratic republican 2014 and by a new loan from CMS. During the second open enrollment period, CHO once again dominated the Maine market, securing about 80 percent of the exchange market share. They also enrolled about 5,000 people in New Hampshire. However, CHO reported significant losses in and contrast directions the third quarter of 2015, and decided to limit enrollment in individual plans for 2004 convention democratic political republican summer 2016. Enrollment directly through Community Health Options ceased December 15, 2015; enrollment in Community Health Options plans through Healthcare.gov ceased December 26. CHO ended 2015 with $74 million in losses – a far cry from the profitable year they had in compare and contrast directions 2014.
In early 2016, Maine’s Insurance Superintendent proposed putting the CO-OP in receivership and canceling a portion of university florida essay prompt, its plans (about 20,000 members would have been transitioned to other coverage). But CMS didn’t allow that, saying that the plan cancellations would run afoul of the ACA’s guaranteed-renewable provision. The CO-OP is under increased oversight from the Maine Bureau of Insurance, which puts out essay monthly reports that detail how the CO-OP is faring relative to its business plan. According to the July 2017 report from the Bureau of Insurance, CHO’s net income in speed and politics on dromology May 2017 was considerably lower than projected, but year-to-date claims were running just about as-projected. CHO is the only remaining CO-OP that received money—as opposed to having to pay out money—under the risk adjustment program for 2015 and again for 2016. For 2017, Community Health Options had an compare and contrast directions, average rate increase of 25.5 percent in Maine, where bulk of their members live. They exited New Hampshire entirely at the end of personal statement, 2016, and reverted to operating solely in Maine, as they did in 2014. They have proposed roughly a 20 percent average rate increase for 2018 in the individual market, where they have about three-quarters of their membership. Their total membership was 67,539 at the end of 2016, and had dropped to 44,015 by the first quarter of 2017 (all in Maine, since they’re no longer offering plans in compare and contrast essay directions New Hampshire).
Mountain Health Cooperative Montana Health CO-OP started in Montana, and of frankenstein expanded to Idaho in 2015. The CO-OP seems to be on relatively solid financial ground. CEO Jerry Dworak noted that the compare and contrast directions CO-OP didn’t expand too quickly, and university of central florida application essay 2012 maintained substantial reserves; they were not relying as heavily as other CO-OPs on risk corridor payments to directions shore up their financial position. Average rates for Mountain Health CO-OP in Idaho increased by 26 percent for 2016. For 2017, Mountain Health CO-OP’s average rate increase is 29 percent in Idaho, and 31 percent in Montana. As of December 22, 2016, the CO-OP ceased enrollments in Montana due to financial analyst cover the “large number of new members for compare and contrast essay directions 2017.” The enrollment freeze was lifted in July 2017 for off-exchange enrollments; on-exchange enrollments in personal ending Montana were expected to become available in the summer of 2017 as well. Compare And Contrast. In both cases, this was ahead of schedule, as the CO-OP had originally expected the lift the enrollment freeze as of November 1, at the start of 2004 essay summer, open enrollment. In another indication of the CO-OP’s increasing viability, their average proposed rate increase for 2018 is only 4 percent in essay Montana.
This demonstrates that the 31 percent average rate increase for 2017 may have been enough to stabilize the CO-OP and “right-size” the premiums. New Mexico Health Connections The CO-OP had net earnings of $420,000 in the first quarter of 2016, as opposed to a loss of and politics an essay, $2.3 million in the first quarter of and contrast essay directions, 2015. By the end of the essay political 2016 open enrollment period, New Mexico Health Connections had more than 50,000 members, and compare directions the CO-OP had added several big-name employers, including Goodwill Industries of New Mexico, Youth Development Inc., and Heritage Hotels Resorts. NM Health Connections has said that they weren’t counting on statement significant payments from the risk corridor program in 2015, so the shortage didn’t hurt them as much as it hurt other carriers. Compare Directions. New Mexico Health Connections dropped their PPO plans for 2016 in order to focus on and politics an essay plan designs that allow them to compare and contrast essay directions better control costs. Several big-name carriers around the country took a similar approach in speed an essay on dromology 2016, and PPOs are less common than they once were in the individual market. For 2017, New Mexico Health Connections had an average rate increase of 33 percent, before any exchange subsidies are applied. They have filed an average rate increase of 30.1 percent for 2018 (much lower than the 84 percent average rate increase they initially filed; the lower rate filing came about once it became clear that other insurers would not be exiting New Mexico’s market and the CO-OP did not have to compare and contrast essay directions insulate themselves against literary essay of frankenstein a flood of new enrollees). But their average rate increase could be even lower still, and the CEO noted in July that the CO-OP’s proposed rate increases were in the 20 to and contrast 25 percent range. Common Ground Healthcare Cooperative – The CO-OP offers coverage in 19 eastern Wisconsin counties.
The approved weighted average rate increase for Common Ground for 2016 was 18 percent. The CO-OP had 23,629 enrollees in Wisconsin in 2015. For 2017, the CO-OP had an convention democratic essay republican, average rate increase of 12.6 percent. And after losing money from 2014 through 2017, Common Ground Healthcare posted a positive net income of $2.7 million in the first quarter of 2017. 2015 risk adjustment: 9 of 10 CO-OPs owed payments. Under the compare and contrast essay ACA’s risk adjustment program, health insurers with lower-risk enrollees end up paying money to health insurers with higher-risk enrollees. The idea is to prevent insurers from designing plans that appeal only to healthy enrollees, and to personal statement ending ensure that premiums reflect benefit levels, rather than the compare directions overall health of a plan’s enrollees. On June 30, 2016, HHS released data on risk adjustment numbers for literary analysis essay of frankenstein 2015.
Of the 10 CO-OPs that were still operational at that point, nine had to pay into the risk adjustment program for and contrast essay 2015; only one remaining CO-OP – Community Health Options in Maine and New Hampshire – received a risk adjustment payment. Community Health Options received about $710,000 in risk adjustment funds. Some of the remaining CO-OPs had begun to be profitable in early 2016 (details below), but all of the CO-OPs’ financial situations now have to be considered in literary essay of frankenstein conjunction with the fact that the CO-OPs will have to pay out the following amounts in and contrast essay directions risk adjustment payments, making their financial futures even more uncertain (of the nine CO-OPs that owed money in 2016 for the risk adjustment program, six have closed or are facing impending closure; only the CO-OPs listed in bold continue to be fully operational) Mountain Health CO-OP/Montana Health CO-OP (Idaho and Montana): $481,000 Oregon Health CO-OP (Community Care of Oregon): $914,000 ( closed; plans ended July 31, 2016 ) Common Ground CO-OP (Wisconsin): $1.9 million Minuteman (operates in Massachusetts and New Hampshire, but risk adjustment outlay was for NH; MA operates its own risk adjustment program): $11 million (Minuteman has filed a lawsuit against CMS in an effort to “invalidate the cover letter no experience illegal Risk Adjustment methodology and institute necessary changes immediately.” Minuteman Health is in receivership, and will stop offering coverage at the end of 2017 ) New Mexico Health Connections : $14.6 million. Compare And Contrast Essay Directions. NM Health Connections filed a lawsuit against HHS in August 2016 over the risk adjustment program, requesting that the program be halted until improvements could be made. Healthy CT: $13.4 million ( closed; plans ended December 31, 2017 ) Evergreen Health CO-OP (Maryland): $24.2 million (Evergreen filed a lawsuit to block the brothers karamazov rebellion essay collection of the risk adjustment payments; a district judge denied the CO-OP’s request on July 21, and and contrast essay the CO-OP immediately appealed the decision; Between $2 million and $3 million of the risk adjustment payment was to be withheld by CMS in mid-July from funds owed to the CO-OP for premium subsidies and 2004 convention democratic essay republican cost-sharing reductions, and the remainder of the payment had to be remitted by Evergreen by August 15).
Evergreen notes that they would have profited between $2 million and compare directions $3 million in of frankenstein 2016 if it weren’t for the $24 million they had to pay into the risk adjustment program. As a result of the losses, they began the process of being acquired by private investors and converting to compare and contrast essay a for-profit entity (this process ultimately didn’t happen fast enough for Evergreen to analysis be able to sell or renew individual plans for 2017; in July 2017 the and contrast investors terminated the acquisition, and essay prompt 2012 Maryland regulators began the process that’s expected to lead to receivership for Evergreen Health ). Compare And Contrast. Land of Lincoln (Illinois): $31.8 million (the state ordered Land of Lincoln to withhold payment until if and when the CO-OP receives the university of central florida 2012 money they were supposed to get in 2015 for the 2014 risk corridors program. That tactic didn’t work however, and on July 12, Illinois regulators began the process of closing Land of Lincoln Health, and compare and contrast directions the CO-OP was placed in liquidation as of October 1, 2016 ). Freelancer’s CO-OP (Health Republic Insurance of New Jersey): $46.3 million ( in September 2016, regulators placed Health Republic in democratic rehabilitation, and the CO-OP stopped selling new plans ; the risk adjustment payment — which was much more than they had previously been advised it would be — was cited as a primary reason for the CO-OP’s financial instability). HHS has proposed changes to the risk adjustment program for 2018, to make it more equitable and less burdensome for new, smaller carriers. They’ve also indicated that states can make regulatory changes before 2018 to ensure a more functional risk adjustment program. 2016 risk adjustment: 4 out of 5 remaining CO-OPs once again owe money. On June 30, 2017, HHS published the risk adjustment report for 2016. Maine Community Health Options was once again the only remaining CO-OP that will receive funding under the risk adjustment program; they’ll get $9.1 million.
The report also details the amount that insurers owe or will receive for 2016 under the ACA’s temporary reinsurance program (2016 was the last year for the reinsurance program). All five of the remaining CO-OPs will receive money from the compare and contrast essay directions 2016 reinsurance program, but in most cases, it’s not as much as they’ll have to pay out speed under the risk adjustment program. Maine Community Health Options — the only remaining CO-OP receiving funding under the risk adjustment program — will also receive $21 million under the 2016 reinsurance program, which is far more than any of the other CO-OPs will receive. Common Ground CO-OP has to pay $3.7 million in risk adjustment (but will receive $10.5 million in reinsurance) Mountain Health CO-OP/Montana Health CO-OP has to pay $8.3 million in risk adjustment (but will receive $2.9 million in and contrast essay reinsurance) New Mexico Health Connections has to university of central florida prompt 2012 pay $8.9 million in risk adjustment (but will receive $3 million in reinsurance) NM Health Connections sued the federal government in 2016 over the risk adjustment program, but so far, the system is still set up in a way that ultimately ends up taking money from smaller, newer insurers and giving it to larger, more established insurers. Minuteman, which is essay closing at the end of 2017, has to pay $25.4 million in risk adjustment for 2004 convention 2016 (but will receive $3 million in reinsurance). Notably, they owed far more in compare 2016 risk adjustment than any of the other remaining CO-OPs. Financial Cover Letter No Experience. They explained in June, in conjunction with their announcement that they would no longer be a CO-OP after 2017 (at that point, they hoped to compare directions re-open as a for-profit insurer, but that plan was scrapped when they were unable to raise enough capital to cover letter no experience secure a license for 2018), that the amount they had been forced to pay into directions, the risk adjustment program amounted to about a third of the premiums they had collected.
In May 2016, after extensive input from stakeholders, HHS issued new regulations in an effort to help the statement remaining CO-OPs become financially viable. Due to the urgency of the and contrast situation, the regulations took effect almost immediately, on May 11. The new regulations make a variety of changes that make it easier for CO-OPs to seek outside investments and expand their coverage offerings beyond the individual and small group markets: In the past, there were relatively strict rules governing the make-up of CO-OP boards. CO-OP board members could not be representatives or employees of any federal, state, or local government entity, and they could also not be representatives or employees of on dromology, any health insurance carrier that was operational as of July 2009. These rules were established to prevent conflicts of interest among CO-OP board members (for example, an compare essay directions, employee of a competing insurance company might have a conflict of interest and financial cover no experience might not make decisions solely based on the best interests of the CO-OP). The new regulations relax these rules, as HHS has discovered that the and contrast directions rules were too strict, and were preventing well-qualified experts from joining CO-OP boards. The new regulations allow government employees and representatives to be on university of central application essay 2012 CO-OP boards as long as they’re not in senior or high-level positions in the government. Compare Essay Directions. And employees or representatives from already-established insurers can be on CO-OP boards as long as they’re affiliated with insurance carriers that don’t compete in financial letter the individual and small group markets where CO-OPs operate.
The old rules also required all of a CO-OP’s board of directors to be elected by CO-OP members, and also required all members of the board of directors to also be members of the CO-OP. And Contrast Essay Directions. The new regulations allow for some leeway here too. Only a majority of the analyst board members must be elected by CO-OP members, and and contrast essay board members are no longer required to be members of the CO-OP. This allows outside entities that are providing loans, investments, and services to the CO-OP to have representatives on the board of directors, and will – in theory – make it easier for CO-OPs to attract new investments . HHS notes that including investor representatives on boards of directors is florida application essay prompt 2012 a common practice in directions the private sector. The old rules made it difficult for CO-OPs to find willing and qualified individuals to serve on their boards of directors, and the old rules allow them to seek outside experts to provide assistance via being on the board of directors. The CO-OPs will still be member-driven though, as the majority of board members must still be elected by CO-OP members. New Mexico Health Connections announced in 2016 that they planned to work with Raymond James, a New York based investment firm, to raise “a substantial amount” of funding for essay prompt 2012 New Mexico Health Connections. Maryland’s CO-OP, Evergreen Health , was working to raise $15 million by August 2016, and by and contrast essay directions July, the CO-OP had come to agreements with eight guarantors to front more than half of that $15 million. And Politics On Dromology. But Evergreen Health later opted for the ultimate private investor arrangement, with plans for compare and contrast essay directions private investors to acquire the CO-OP in statement ending 2017. If that had worked out, the insurer would still have been called Evergreen Health, but would have been a for-profit entity and no longer a CO-OP.
Ultimately, the new arrangement didn’t receive federal approval in time to continue to and contrast offer coverage for 2017, and financial cover letter no experience Maryland’s Insurance Commissioner announced on December 8 that Evergreen would not sell or renew any individual plans for 2017. They had planned to return to compare the individual market in 2018, but the private investors terminated the acquisition in July 2017, and Maryland regulators imposed an administrative order that is expected to ending lead to the CO-OP entering receivership. The ACA requires that at least two-thirds of compare essay directions, a CO-OP’s policies must be issued in the individual and small group markets in the state where the of central florida essay prompt 2012 CO-OP is licensed. Originally, the rule was that CO-OPs that ran afoul of that provision would have to essay repay their federal loans immediately. The new regulations allow for more leeway: CO-OPs that aren’t meeting the two-thirds rule don’t necessarily have to repay their loans immediately, but they do have to demonstrate a plan for getting into compliance with the of central application two-thirds rule, and be acting in essay directions good faith to achieve that standard (most CO-OPs only 2004 convention essay political operate in the individual and small group markets thus far, but HealthyCT in Connecticut is an exception – they offer large group plans in addition to essay directions individual and small group plans). The new flexibility allows CO-OPs to enter into other markets – including large group, Medicare, Medicaid, and ancillary products such as dental and vision, without having to be overly concerned with running afoul of the two-thirds rule and triggering an immediate payback requirement for federal loans. Under prior rules, CO-OPs weren’t allowed to sell their policies to ending another insurer.
So when 12 CO-OPs failed by the end of 2015, the only option was to send their members back to the general market – on or off-exchange – to essay seek new coverage. Letter No Experience. The new HHS regulations allow insolvent CO-OPs to directions sell their policies to another insurer, although the transaction would have to be approved by 2004 convention essay political summer CMS. The idea here is to compare and contrast essay preserve coverage for existing members if additional CO-OPs fail. Membership surpassed a million enrollees by 2015, but has declined sharply with CO-OP closures. During the 2014 open enrollment period, just over 400,000 people enrolled in CO-OPs nationwide. That climbed to over a million by the end of the 2015 open enrollment period – despite the fact that CoOpportunity (Iowa and Nebraska) stopped selling policies in December 2014, and their once-robust enrollment (120,000 members) had dropped to statement about 2,000 people by mid-February 2015. While enrollment in private plans through the exchanges increased by 46 percent in directions 2015 (from 8 million people in the first open enrollment period, to speed and politics an essay on dromology 11.7 million in the second open enrollment period), enrollment in compare and contrast CO-OPs increased by 150 percent.
At the end of 2015, however, more than 500,000 of those enrollees had to switch to a different plan, as 11 of the 22 remaining CO-OPs closed at the end of ending, 2015. And Contrast Directions. In May 2016, Ohio regulators announced that InHealth Mutual would be liquidated, leaving just ten remaining CO-OPs nationwide. And only three of personal ending, them are not currently subject to enhanced federal oversight: New Mexico Health Connections, Mountain Health Cooperative (Montana and Idaho), and compare essay Minuteman Health, Inc (Massachusetts and New Hampshire). The other eight CO-OPs still in 2004 political operation are all under “corrective action plans” from the federal government. Seven of the eleven CO-OPs that were still operational at the end of 2015 had at least 25,000 enrollees as of compare, mid-2015, which is the minimum number that CMS says is necessary for financial solvency. The other four had not yet achieved that benchmark by early 2016, and two of them—in Oregon and Ohio—were among the four CO-OPs that had failed by July 2016.
Of the remaining six CO-OPs, five had membership in excess of 25,000 people as of mid-2015. CMS recognized that, in a competitive marketplace, CO-OPs would face challenges. The agency acknowledged that more than one-third of the CO-OPs would likely fail in the first 15 years. CMS projected a 40 percent default rate for the planning loans and a 35 percent default rate for the solvency loans. But with only personal ending five of 23 CO-OPs slated to still be in essay directions business by the end of 2017, the failure rate is 78 percent, after three and florida application prompt a half years of and contrast, operations.
In terms of recent enrollment totals for the remaining CO-OPs: Common Ground CO-OP had 19,300 members in 2016 Mountain Health CO-OP/Montana Health CO-OP had roughly 15,000 members in financial analyst cover no experience Montana in 2016, and added 10,000 new members for 2017. Compare. They also have members in Idaho. New Mexico Health Connections membership had grown to 50,000 by financial cover letter no experience 2016 Community Health Options: 44,015 members as of the first quarter of 2017. In addition, Minuteman Health (which will no longer exist as a CO-OP after the and contrast directions end of 2017) has 37,000 members in Massachusetts and New Hampshire in 2017, and Evergreen Health (which is under an administrative order that is expected to lead to convention political republican summer receivership) has 25,000 members in compare and contrast directions Maryland. A look at the CO-OPs that are facing impending closure. In addition to the four CO-OPs described above that intend to continue to offer coverage in 2018, two other CO-OPs are still operational in 2017, but will no longer exist as CO-OPs in 2018: MASSACHUSETTS and NEW HAMPSHIRE Minuteman Health Inc. ( will close at the end of 2017 ) Enrollment exceeded 22,500 in the first quarter of 2016, and analysis the CO-OP ceased its advertising campaign in an effort to compare and contrast avoid enrolling too many members. The CO-OP had a profitable first quarter of 2016, as opposed to the $3.8 million loss they suffered in the first quarter of 2015. Convention Democratic Essay Political Republican. By April 2016, Minuteman’s enrollment had reached about compare and contrast directions 26,000 people, which was an 85 percent increase over 2015 enrollment.
More than 21,000 of Minuteman’s QHP enrollees are in New Hampshire, and the state also has more than 3,400 Premium Assistance Program (privatized Medicaid) members with Minuteman coverage. All Minuteman Health enrollees in New Hampshire and Massachusetts will need to secure new coverage for analyst letter no experience 2018, as the CO-OP is closing at essay the end of 2017. MARYLAND Evergreen Health Cooperative Inc. (group coverage only in 2017; (no longer allowed to sell or renew any policies under an administrative order that is “a preliminary step to an anticipated receivership”) Enrollment was under 30,000 at the end of 2015, and had grown to 40,000 by March 2016. Evergreen had its first-ever profitable quarter in the beginning of 2016, with a net income of $547,000. Of Central Florida Application 2012. That’s compared with a loss of $2.3 million in the first quarter of 2015. Compare Essay Directions. For 2015, Evergreen Health CO-OP lost money, as did all of the CO-OPs.
But their loss was the smallest of the florida essay prompt 2012 11 remaining CO-OPs, at compare essay $10.8 million. In 2016, Evergreen would have been profitable for the full year, except for the $24 million they had to speed and politics on dromology pay into compare directions, the risk corridor program for financial cover letter no experience 2015. For 2017, Evergreen had proposed an average rate increase of just 8 percent, but regulators ultimately approved an average rate increase of more than 20 percent. Evergreen owed CMS $24.2 million in risk adjustment funds for 2015, which is and contrast more than a quarter of the carrier’s total revenue. They had worked out an arrangement under which they would be acquired by private investors and converted to on dromology a for-profit (ie, not a CO-OP) insurance company, but the essay investors terminated the 2004 essay political acquisition in July 2017, leading state regulators to determine that the CO-OP was no longer financially viable. The following CO-OPs had already closed by 2017: ARIZONA CLOSED Meritus Health Partners In a deviation from the norm, Meritus offered year-round enrollment outside the exchange until late summer 2015; tax credits were only and contrast essay available inside the exchange, and regular open enrollment dates applied to plans purchased in the exchange. Meritus was among the university essay worst-performing CO-OPs in compare and contrast directions terms of 2014 actual enrollment as a percentage of of central application 2012, projected enrollment. The HHS report showed just 869 people enrolled through Meritus as of the end of 2014, out of a projected 24,000. And Contrast Directions. Meritus claims that the actual enrollment total at the end of 2014 was higher (3,500) but still well short of the target number. Personal Statement Ending. By August 2015, enrollment in Meritus plans had skyrocketed to almost 56,000 people.
But just two days prior to the start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus could no longer sell or renew policies, and that existing plans would terminate at the end of 2015. COLORADO CLOSED Colorado HealthOP – The CO-OP got roughly 13 percent of the exchange market share in 2014 (the second highest of any carrier in the exchange), but they lowered their prices considerably for 2015, and compare garnered nearly 40 percent of the personal exchange’s enrollees during the second open enrollment period. Compare And Contrast Directions. For 2015, they had the statement lowest prices in eight of compare directions, Colorado’s nine rating areas. Personal. Colorado Health OP was also facing a shortfall from the risk corridors program, and immediately began working hard to overcome it. But their efforts were not sufficient, and the Colorado Division of compare directions, Insurance decertified them from the exchange on October 16, 2015. CONNECTICUT CLOSED HealthyCT – The CO-OP had 15.6 percent of the market share in 2015, but dropped to just under 12 percent for 2016. The CO-OP raised their premiums by an average of 7.2 percent for 2016.
Unlike many other CO-OPs, HealthyCT wasn’t counting on the risk corridors payout that they were owed for 2014, so the shortfall wasn’t as significant for HealthyCT as it was for an essay on dromology some of the other CO-OPs. Unlike most CO-OPs, HealthyCT also sold coverage in the large group market, so they had a stronger off-exchange presence than carriers that only offer individual and small group plans. HealthyCT also built its own provider network, instead of having to rent an already-established network from another carrier, as many CO-OPs did. But ultimately, the CO-OP succumbed to and contrast essay directions the $13.4 million bill that they received for the 2015 risk adjustment program. In July 2016, state regulators ordered HealthyCT to stop writing new policies or renewing existing policies. Literary Analysis Of Frankenstein. The CO-OP’s 13,000 individual market insureds (most of whom had coverage through the state’s exchange) were insured through December 31, 2016, but needed to pick a new plan during open enrollment. The CO-OP’s 27,000 employer-sponsored group enrollees continued to have coverage through the CO-OP until their renewal date in 2017 if their 2016 renewal date was July or earlier. Groups that renewed in August or later had to switch to a different carrier as of their 2016 renewal date. ILLINOIS CLOSED Land of Lincoln Health The CO-OP in Illinois weathered the initial risk corridor storm, as they weren’t counting on a full payment from CMS. But they limited small group enrollments for the last two months of 2015, and they also capping 2016 enrollment at compare essay directions about 65,000 to 70,000 people (roughly a 30 percent increase over their 2015 membership) in order to personal ending sustainably manage their growth.
Enrollment for the year had ceased by compare essay early January, as the CO-OP had met their membership target. During the first quarter of 2016, Land of prompt 2012, Lincoln lost $7.1 million, up from the $5.3 million they lost in the first quarter of and contrast essay directions, 2015. Analyst Cover Letter No Experience. An AP analysis of compare and contrast directions, ten of the speed an essay remaining 11 CO-OPs found that all of them lost money in 2015, but Land of Lincoln Health lost the most, at $90.8 million. Nevertheless, the CO-OP is on the hook for a $31.8 million payment for 2015 risk adjustment. In late June, state regulators ordered Land of Lincoln to compare and contrast essay withhold payment until if and analyst letter when the CO-OP receives the directions $73 million they were supposed to get in 2015 for 2004 convention essay political republican the 2014 risk corridors program. This move was made in an effort to keep the CO-OP solvent, but it was unsuccessful. And Contrast Directions. On July 12, regulators in Illinois announced that they were beginning the process of shutting down Land of of central 2012, Lincoln Health; the CO-OP will close on September 30, 2016. A special enrollment period will allow the CO-OP’s 49,000 enrollees to pick a new plan. If a plan selection is made between August 2 and September 30, coverage under the new plan will take effect October 1, with no gap in coverage.
If a plan selection is made between October 1 and November 29, normal effective date rules will apply and there will be a gap in coverage. Directions. IOWA and NEBRASKA CLOSED CoOportunity Health (Iowa and Nebraska) – EDIT, 1/5/15, and 7/30/2015 : CoOportunity Health was taken over by Iowa state regulators in late December 2014. Brothers Karamazov Rebellion. Once federal funding ran out, it became clear that the carrier didn’t have enough money to remain viable, as reserves had dropped to about $17 million by December. At the time, HHS said that the other 22 CO-OPs appeared to still be financially viable early in 2015. CoOportunity had raised their rates considerably for 2015, although they covered about 120,000 members in Iowa and Nebraska. Most existing policy holders transitioned to compare essay other carriers by February 15, but there were still about analysis 2,000 members as of and contrast, mid-February. Speed An Essay. Early in essay directions 2015, there was some hope that regulators would be able to successfully rehabilitate the carrier. But by February 18, the and politics on dromology Insurance Division announced that they would begin the process of liquidating the carrier before the and contrast essay end of the month, and the remaining insureds had to personal statement transition to other carriers by March 1. KENTUCKY CLOSED Kentucky Health Care Cooperative Near the compare end of the 2014 open enrollment period, Kentucky Health Cooperative had garnered 75 percent of the exchange enrollments in personal statement ending Kentucky . By the end of 2014, Kentucky Health Cooperative was covering 55,852 people in the state. Compare And Contrast Essay. The CO-OP had planned to expand into an essay on dromology, West Virginia for 2015, but backed out just a week before open enrollment over worries that their infrastructure wasn’t ready for the new influx of members. They had planned to move forward with their expansion to West Virginia in 2016, but the West Virginia Insurance Commissioner’s office confirmed in directions early September 2015 that the of central florida Kentucky CO-OP no longer had plans to and contrast directions expand into West Virginia. As of June 2015, Kentucky Health Cooperative still had more than 55,000 members, despite the fact that their premiums increased by an average of statement ending, 15 percent in 2015.
But Kentucky Health Cooperative also had the distinction of being the CO-OP with the most red ink in 2014, losing $50.4 million by the end of 2014 (although losses had diminished considerably in compare and contrast 2015; by statement the end of the first half of the year, losses totaled just $4 million). The losses from 2014 would have been offset by the risk corridors payment if it had been paid as owed ($77 million). Instead, the CO-OP was going to receive less than $10 million from the risk corridors program, and that simply wasn’t enough to sustain them. Kentucky Health CO-OP announced in early October that they would cease operations at the end of 2015. And Contrast. LOUISIANA CLOSED Louisiana Health Cooperative Inc. – EDIT, 7/30/2015: On July 24, the university prompt Louisiana Department of Insurance announced that the and contrast essay CO-OP would be winding down its operations this year, and would not participate in the upcoming open enrollment for 2016. The existing 17,000 enrollees can remain with the carrier for speed an essay on dromology the rest of 2015, and there are still enough cash reserves to cover claims for the rest of the directions year. MICHIGAN CLOSED Consumers Mutual Insurance of Michigan Nearly 80 percent of the brothers karamazov rebellion essay CO-OP’s enrollees in compare 2015 were off-exchange. University Of Central Florida Application. Michigan’s CO-OP was the last to compare and contrast directions announce failure in 2015, doing so on November 2, the day after open enrollment began for of central florida essay prompt 2012 2016 coverage. NEVADA CLOSED Nevada Health Cooperative – In late August 2015, officials at Nevada Health CO-OP announced – amid mounting financial losses and “challenging market conditions” – that the carrier would be ceasing operations by the end of the year. The CO-OP had about compare essay a third of the individual enrollments in and politics an essay on dromology the Nevada exchange for compare essay directions 2015, but they had to switch to university florida essay 2012 another carrier for 2016.
NEW JERSEY CLOSED Health Republic Insurance of compare essay directions, New Jersey (Freelancer’s CO-OP) – The CO-OP ended 2014 with 4,254 members. By July 2015, the CO-OP’s enrollment had exceeded 60,000 people, thanks to new plan designs and lower premiums. Rate increases for 2016 ranged from 9 percent to 18 percent. For 2017, Health Republic of 2004 political, NJ proposed an average rate increase of compare and contrast, just 8.5 percent, but ultimately the carrier was placed in rehabilitation in essay of frankenstein mid-September, and had to stop offering new plans at that point. State regulators initially said that it was possible the CO-OP could return to the market in 2018, but that ultimately was not the case, and an order of liquidation was filed in February 2017). All existing Health Republic plans in New Jersey terminated on December 31, 2016. NEW YORK CLOSED Health Republic Insurance of essay directions, New York – The CO-OP enrolled 19 percent of the people who purchased plans through NY State of Health (the state-run exchange) during the 2014 open enrollment period. Their membership had grown to convention essay 112,000 by April 2014, and 155,000 by the end of 2014 – far surpassing their initial 2014 goal of 30,000 members. In 2015, they again garnered 19 percent of NY State of compare and contrast essay, Health’s private plan enrollees, and had total enrollment of about 200,000 people by the time regulators announced in September 2015 that the CO-OP would be closing.
There were 16 carriers offering plans through NY State of Health, and only one had slightly higher market share than the application prompt 2012 CO-OP. But Health Republic of NY lost $35 million in 2014, and $52.7 million in the first half of 2015; their high enrollment was not a financial panacea – they enrolled far more people than expected, but that ultimately translated into losses that far exceeded projections. On September 25, state and compare and contrast directions federal regulators, along with NY’s state-run exchange, announced that they had ordered Health Republic to stop issuing new policies and prepare to ending terminate existing individual plans at the end of 2015. It was subsequently determined that the CO-OP was simply losing too much money to directions continue as a viable insurer, and coverage was terminated on November 30. OHIO InHealth Mutual CLOSED InHealth Mutual enrolled just 11 percent of their target membership for 2014. But that was partly because the carrier got licensed too late in 2013 to be sold on Healthcare.gov. Of Central Florida Application Essay Prompt. So instead, InHealth Mutual mainly sold off-exchange small group plans in compare and contrast essay 2014. But for the 2015 open enrollment period, InHealth Mutual was available through the exchange, and enrollment had more than doubled to 16,000 by mid-January. However, during the first six months of 2015, InHealth reported $9.1 million in net losses.
Ultimately, state regulators announced in late May 2016 that the CO-OP would be liquidated, and that the current 21,800 enrollees would have a 60 day special enrollment period during which they would be able to switch to a different carrier. Enrollees who remained with InHealth Mutual had coverage through the end of 2016, but it was through the state guaranty fund, which means it had a cap of $500,000 and would subject the enrollees to the ACA’s penalty for not having minimum essential coverage. Financial Analyst. OREGON CLOSED Health Republic Insurance of Oregon Health Republic’s failure was blamed in and contrast directions large part on the risk corridor shortfall, as was the case with many of the CO-OPs that failed in late 2015. In February 2016, Health Republic of Oregon announced that they were suing the federal government over the risk corridor shortfall. Their hope is to make the suit a class action case so that other insurers who were shorted by literary analysis of frankenstein the risk corridor program can join in the lawsuit. OREGON CLOSED Oregon’s Health CO-OP Oregon Health CO-OP is officially called “Community Care of Oregon”.
It had just 1,582 members at essay directions the end of 2014. By January 2015, their membership had grown to 10,000 people, and by analysis essay of frankenstein April 2015, they said they were on and contrast track to hit 20,000 by the end of the 2004 political summer year, and had “healthy financial reserves.” But they were expecting to receive $5 million via the compare and contrast essay directions 2015 risk adjustment program, and ended up owing $900,000 instead. That pushed the CO-OP into insolvent territory, and the state announced on literary essay of frankenstein July 8 that they were placing the and contrast essay CO-OP in democratic receivership. All Oregon Health CO-OP plans terminated on July 31, 2016. The CO-OP had 20,600 members—11,800 in the individual market, and compare directions 8,800 in the small group market. Individuals had a special enrollment period beginning July 11 to karamazov rebellion enroll in a new plan, with coverage effective August 1. Compare Directions. To get an August 1 effective date, members had to pick a new plan by July 31. Financial Cover Letter No Experience. Small groups worked with brokers or carriers to secure a new plan with an August 1 effective date. And Contrast Directions. The state also worked out an arrangement to ensure that CO-OP members get credit for their out-of-pocket spending during the first seven months of 2019, even after transferring to a new carrier starting in August. SOUTH CAROLINA CLOSED Consumer’s Choice Health Insurance Company Consumers Choice had the same CEO as neighboring Tennessee’s Community Health Alliance Mutual Insurance Company, which also closed at an essay on dromology the end of 2015. Consumer’s Choice had 67,000 members in 2015. TENNESSEE CLOSED Community Health Alliance Mutual Insurance Company (Tennessee) – Community Health Alliance had just 2,287 members at compare the end of 2014 – out of a projected 25,000 – and experienced a loss of university of central application 2012, $22 million in 2014.
But they lowered their premiums for 2015 and experienced a surge in compare essay enrollment (35,761 members as of democratic essay republican, May 2015). Enrollment grew so quickly during the 2015 open enrollment period that Community Health Alliance suspended enrollment in their plans as of January 15, noting that they had already met their enrollment goal for compare and contrast essay directions the year. They proposed a 32.6 percent rate increase for 2016, although regulators ultimately increased it to 44.7 percent in personal statement order to preserve the CO-OP’s viability. Compare And Contrast Directions. The CO-OP had planned to resume selling coverage during the 2016 open enrollment period, but regulators announced in mid-October 2015 that the carrier would instead be closing at the end of the year, and all members would need to transition to another carrier for 2016. UTAH CLOSED Arches Mutual Insurance Company Arches insured roughly a quarter of Utah’s exchange enrollees in 2015. The CO-OP’s on-exchange enrollment was about 32,000 people, all of whom had to find alternate plans for 2016. In July 2015, HHS released financial and university essay prompt 2012 enrollment data for the 23 CO-OPs, as of December 2014. The outlook based on the report was not particularly great: all but one of the CO-OPs operated at a loss in 2014, and 13 of the CO-OPs fell far short of their enrollment goals for compare and contrast 2014. Essay Of Frankenstein. The audit called into compare and contrast, question the CO-OPs’ ability to repay the loans that they received from the federal government under Obamacare.
The risk corridor shortfall has been directly implicated in the failure of CO-OPs in Kentucky, Tennessee, Colorado, Oregon, South Carolina, Utah, Arizona, and Michigan. There is no way around the fact that such a significant financial blow is hard to overcome, particularly for carriers that were new to the market in 2014. Eight CO-OPs failed in application essay prompt 2012 the weeks following the essay risk corridor shortfall announcement. Those eight CO-OPs were in serious financial jeopardy as a result of the risk corridor shortfall and other factors, and state Insurance Commissioners made the difficult decision to rebellion shut them down prior to the start of open enrollment, or shortly thereafter. It’s much less complicated to wind down operations in an orderly fashion in the last couple months of a year than it is to have a carrier become financially insolvent mid-year. That, coupled with the late announcement regarding the directions risk corridors shortfall, explains the rash of personal statement, CO-OP failures announced in late 2015 (It should be noted that it’s not just CO-OPs feeling the compare and contrast pain from the risk corridor shortfall; in essay Wisconsin, Anthem exited the exchange market in three counties and scaled back operations in 34 other counties, partially as a result of the risk corridor shortfall. And in Wyoming, WINhealth has exited the individual market because of the risk corridor shortfall; in Alaska and Oregon, Moda nearly exited the market, due in large part to the risk corridor shortfall.) But with 12 out of 23 CO-OPs going under in 2015, it wasn’t surprising that the compare essay directions mood in late 2015 was relatively pessimistic regarding the CO-OP model. In his press release about the speed an essay demise of Arches Health Plan, Utah Insurance Commissioner Todd E. Kiser noted that “ It is essay directions regrettable that the co-op model has not worked across the country .” That didn’t bode well for the remaining 11 CO-OPs, and ultimately only four of them intend to analyst cover no experience offer coverage for 2018. All 11 of the remaining CO-OPs suffered losses in compare essay 2015, amounting to a total of about $400 million (Evergreen lost the least, at $10.8 million; Land of Lincoln lost the brothers rebellion essay most, at $90.8 million).
The bulk of the losses were in the fourth quarter, indicating that consumers are trying to get as much value as possible from their coverage before the end of the compare essay directions plan year. So although a few of the remaining CO-OPs are in the black so far in essay 2016, their profits are very modest, and it’s unclear how the rest of the year might go. The fact that lawmakers decided at the end of 2014 to retroactively require the essay risk corridors program to be budget-neutral was a significant blow to brothers rebellion the CO-OPs. The CO-OPs – along with the rest of the carriers – had set their premiums for 2014 (and by compare and contrast directions that time, for 2015 as well) with the expectation that risk corridors payments would mitigate losses if they experienced higher-than-expected claims. Clearly, that has not panned out, and it certainly put the CO-OPs in a tough spot. To clarify, HHS said in 2013 that the risk corridor program would NOT be budget-neutral, and that federal funds would be used to make up any short-falls; carriers set their rates for 2014 based on that.
But then in 2014, HHS announced in literary 2014 that they had made several adjustments to the risk corridor program, and that they projected “that these changes, in essay directions combination with the changes to the reinsurance program finalized in this rule, will result in net payments that are budget neutral in 2014. We intend to implement this program in brothers a budget neutral manner, and may make future adjustments, either upward or downward to this program (for example, as discussed below, we may modify the and contrast essay ceiling on allowable administrative costs) to analysis essay of frankenstein the extent necessary to achieve this goal.” But this was after rates for compare essay directions 2014 were long-since locked in, and enrollment nearly complete. At the end of 2014, congress passed the Cromnibus Bill, requiring risk corridors to be budget neutral, with no wiggle room for on dromology HHS. We do have to keep in compare and contrast essay mind, however, that CMS knew from the of central application essay get-go that some CO-OPs would fail. They expected at least a third of them to fail in the first 15 years, and that was long before the risk corridors program was retroactively changed to be budget neutral. What are CO-OPs and how are they different? Consumer Operated and Oriented Plans (CO-OPs) were created under a provision of the Affordable Care Act. CO-OP plans were proposed by Senator Kent Conrad (D-ND) when the original public plan option was jettisoned during the health care reform debate.
Lawmakers added the CO-OP provision to the Affordable Care Act to placate Democrats who had pushed for a government-run, Medicare-for-all type of health insurance program. At the time, progressives who preferred a public option derided CO-OPs as a poor alternative because they can’t utilize the and contrast efficiencies of scale that would come with Medicare For All, nor do they have the market clout that a single payer system would have when negotiating reimbursement rates with providers. But supporters noted that because CO-OPs are neither government agencies nor commercial insurers, they can put patients first, without having to focus on 2004 democratic summer investors or Congressional politics. Instead of paying shareholders, CO-OP profits are reinvested in the plan to lower premiums or improve benefits (in 2014, only one CO-OP, Maine Community Health Options, had revenue that exceeded claims and essay directions administrative expenses – but the reinvestment of profits is the plan for all CO-OPs, once they become profitable). Analyst Cover No Experience. And customers’ health insurance needs and concerns become a top priority because the CO-OP’s customers/members elect their own board of essay directions, directors. And a majority of karamazov, these directors must themselves be members of the CO-OP. CO-OPs are private, nonprofit, state-licensed health insurance carriers. Their plans can be sold both inside and outside the health insurance exchanges, depending on essay directions the state, and can offer individual, small group, and large group plans. But they’re are limited to having no more than a third of their policies in the large group market (a more lucrative market than individual or small group).
Lawmakers had originally planned to provide $10 billion in grants to get the CO-OPs up and running in every state. But insurance industry lobbyists and fiscal conservatives in Congress succeeded in reducing the total to financial analyst no experience $6 billion, and turning it into loans – with relatively short repayment schedules – instead of grants (and CO-OPs are not permitted to compare and contrast use federal loan money for marketing purposes). Then, during budget negotiations in 2011, those loans were cut by another $2.2 billion. And in and politics on dromology 2012, during the fiscal cliff negotiations, CO-OP funding was reduced even further – and applications from 40 prospective CO-OPs were rejected. To be approved to and contrast establish a CO-OP, applicants underwent background checks that included public records searches at the local, state, and national level as well as searches of federal debarment databases. Loan recipients are subject to strict monitoring, audits, and reporting requirements for the length of the loan repayment period plus 10 years. Ultimately, the 2004 democratic summer Centers for Medicare and Medicaid (CMS) awarded about $2.4 billion in compare and contrast directions loans to 23 CO-OPs across the country (there were 24 CO-OPs, but Vermont Health CO-OP never became operational. CMS retracted their loan in literary analysis of frankenstein September 2013 – before the exchanges opened for the first open enrollment – because there were doubts that the program could be viable with Vermont’s impending switch to single-payer healthcare in 2017; ironically, Vermont pulled the plug on their single payer vision in late 2014). Focus on cost savings and reinvested profits.
How do CO-OPs increase cost efficiencies? CMS has laid out compare and contrast essay guidelines for CO-OPs to university essay prompt use “private purchasing councils” through which CO-OP carriers can use collective purchasing power to obtain lower costs on a variety of items and services, including claims administration, accounting, health IT, or reinsurance. But private purchasing councils are allowed to and contrast essay use their collective purchasing power to negotiate rates or network arrangements with providers and health care facilities, as antitrust issues could otherwise arise. But the no experience Kaiser Family Foundation notes that CO-OPs can emphasize Patient Centered Medical Home models to keep costs down. (the PCMH model allows physicians to use health information technology and care managers to provide a full spectrum of essay directions, care that’s coordinated among each patient’s various providers. The goal is to keep patients healthy – and convention out of the hospital – by using best practices and evidence based medicine. If PCMH doctors are successful, they qualify for bonuses). CO-OPs generally emphasize preventive care in an effort to keep their members healthy. A challenge for CO-OPs has been developing their provider networks. At least 15 CO-OPs are renting networks from other insurers, which adds to their administrative expenses. In Maine, Community Health Options (the one profitable CO-OP in 2014) built its own provider network from the ground up, a move that CEO Kevin Lewis notes as one of the reasons CHO has been successful. CO-OPs also have the option to hire doctors directly, rather than contract with them through provider networks (the upside for the doctors is that the CO-OP then handles the and contrast essay directions administrative details, and the doctor can focus on healthcare instead).
Will the few remaining CO-OPs survive? It’s too soon to brothers rebellion tell. In many states, the CO-OPs started out in a David and Goliath situation, competing with carriers that have dominated the health insurance landscape for compare directions years. There are some promising signs from some CO-OPs that may ultimately survive long-term. And even among the CO-OPs that struggled early on, long-term sustainability is possible. Premiums that carriers – including CO-OPs – set for 2014 and 2015 were little more than educated guesses from essay political summer, actuaries, since there was very little in the way of actual claims data on which to rely (there was no data at all when the 2014 rates were being set, and only a couple months of early data available when 2015 rates were being set). Directions. Once the CO-OPs had more than a year of claims history in the books, they were able to be more accurate in pricing their policies for 2016, and personal statement that will again be the case for 2017.
CO-OP supporters had hoped that the compare and contrast essay new carriers would disrupt existing markets, driving down premiums and shaking up the market share among commercial insurers. Although CO-OPs struggled financially in their first year, average premiums market-wide were lower in both 2014 and 2015 in states that have CO-OPs than in speed on dromology states without CO-OPs. A GAO report found that average CO-OP premiums in 2014 and 2015 in most states tended to and contrast essay be lower than the average premiums across all carriers in those states. Cover. And enrollment in CO-OPs increased at a much faster pace than overall enrollment growth (across all carriers) from and contrast essay directions, 2014 to 2015. CMS acknowledged from the brothers karamazov start that not all of the CO-OPs would be likely to succeed – just as a crop of new for-profit health insurance carriers wouldn’t all be expected to succeed. But over the next few years, the remaining CO-OPs will have an opportunity to refine their business models, reinvest any profits they make, and compare essay directions grow their enrollment – especially as grandmothered plans cease to exist by the end of 2018, increasing the number of people who need to purchase ACA-compliant plans. The retention of grandmothered plans has benefited health plans that were already in personal ending place prior to 2014, since enrollees on grandmothered plans had to go through underwriting to obtain their coverage; on the other hand, new insurers like CO-OPs have had to contend with a population that’s less healthy than expected, partly because people with grandmothered plans have not yet all transitioned to compare essay ACA-compliant plans. In short, it’s too soon to know how the CO-OPs will fare. With only four remaining as we head into the open enrollment period for 2018 coverage, the odds certainly haven’t seemed to be in their favor.
But some of speed and politics an essay on dromology, them may experience long-term success and become integral parts of the health insurance landscape. In July 2015, Louisiana Health Cooperative announced that it would cease operations as of the end of and contrast essay directions, 2015. LHC was the second CO-OP to summer fail; CoOpportunity, which served Nebraska and Iowa, received liquidation orders from state regulators in February. At the end of compare essay directions, August, the Nevada Health CO-OP announced they would also close at the end of 2015. Personal. And in September, New York officials announced that Health Republic of New York, the nation’s largest CO-OP, would begin winding down operations immediately, and that individual Health Republic of NY policies would terminate at the end of 2015. On October 1, 2015 the federal government notified health insurance carriers across the country that risk corridors payments from 2014 would only amount to compare directions 12.6 percent of the total owed to the carriers. The program is budget neutral as a result of the 2015 benefit and payment parameters released by HHS in March 2014. And the of central florida application essay 2012 “Cromnibus bill” that was passed at the end of 2014 eliminated the possibility of the risk corridors program being anything but budget neutral, despite the fact that HHS had said they would adjust the program as necessary going forward. But very few carriers had lower-than-expected claims in and contrast essay 2014. So the literary essay of frankenstein payments into the risk corridors program were far less than the amount owed to compare essay directions carriers – and the result is that the carriers essentially get an IOU for a total of $2.5 billion that may or may not be recouped with 2015 and 2016 risk corridors funding (risk corridors still have to be budget neutral in 2015 and 2016, so if there’s a shortfall again, carriers would fall even further into the red).
Many health insurance carriers – particularly smaller, newer companies – are facing financial difficulties as a result of the risk corridors shortfall. CO-OPs are particularly vulnerable because they’re all start-ups and tend to be relatively small. All of the CO-OPs that have announced closures since October 1 have attributed their failure to the risk corridor payment shortfall. On October 9, Kentucky Health CO-OP announced that their risk corridors shortfall was simply too significant to overcome. (The CO-OP was supposed to receive $77 million, but was only going to get $9.7 million as a result of the shortfall.) The CO-OP will not offer plans for 2016, and essay republican summer their 2015 policies will terminate at the end of the year. This means about 51,000 people in compare Kentucky will have to shop for on dromology new coverage for and contrast essay 2016, as they will not be able to keep their Kentucky Health CO-OP plans. And then on October 14, Tennessee regulators announced that Community Health Alliance would also close at the end of the year. CHA stopped enrolling new members in January 2015, but it had planned to sell policies during the 2016 open enrollment period, albeit with a 44.7 percent rate increase.
Ultimately, the risk of the CO-OP’s failure in 2016 was too great, and it will wind down operations by the end of the year instead. Two days later, on October 16, Colorado Health OP was decertified from the exchange by the Colorado Division of Insurance, resulting in the CO-OP’s demise; Colorado Health OP’s 80,000 individual members will all need to transition to new carriers for 2016. Almost immediately after that, Oregon’s Health Republic Insurance, also a CO-OP, announced that it would not offer 2016 plans, and would wind down its operations by the end of speed and politics on dromology, 2015. Health Republic currently has 15,000 members. On October 22, The South Carolina Department of Insurance announced that Consumers Choice would voluntarily wind down its operations by year-end, and would not sell plans for 2016. Consumers Choice was run by compare essay directions the same CEO – Jerry Burgess – as Community Health Alliance in Tennessee. 67,000 Consumers Choice members will need to switch to a new carrier for 2016.
The South Carolina Department of convention democratic essay, Insurance has put together a series of FAQs for impacted plan members. On October 27, the and contrast directions Utah Insurance Department announced that they are placing Arches Health Plan in speed and politics receivership, and the carrier will wind down operations by compare and contrast the end of the year. Arches Health Plan garnered roughly a quarter of Utah’s exchange market share in 2015, but those enrollees will need to switch to a new carrier for 2016. On October 30, just two days before the start of the florida application essay 2016 open enrollment period, the Arizona Department of and contrast essay, Insurance announced that Meritus would cease selling and renewing coverage, and existing plans would terminate at the end of 2015. Healthcare.gov removed Meritus plans from the exchange website, and current enrollees – who comprise roughly a third of the private plan enrollees in the Arizona exchange – will need to obtain new coverage for 2016. Essay. Meritus was unique in that they allowed people to essay enroll off exchange year-round up until late-summer 2015. Literary Analysis. They were also among very few CO-OPs that had requested a rate increase of less than ten percent for 2016. Open enrollment began on November 1, and and contrast coverage was still available at that point from the remaining 12 CO-OPs.
But on November 2, it became clear that Consumers Mutual of Michigan was in financial trouble. The carrier announced that they would not offer plans in the exchange in 2016, although at that point, there was still a possibility that they would continue to offer plans outside the exchange. But on November 4, they announced that they would wind down their operations by ending the end of the year, and all 28,000 members would need to find new coverage for 2016. In May 2016, state regulators in Ohio announced that InHealth Mutual would shut down and that members would have a 60 day special enrollment period to select a new plan. In July 2016, state regulators in compare and contrast Connecticut announced that HealthyCT would shut down at the end of of central florida prompt, 2016 (employer groups were able to keep their coverage through the essay directions renewal date in statement 2017, as long as the plan’s renewal date in compare and contrast directions 2016 was July or earlier). In July 2016, state regulators in Oregon announced that Oregon Health CO-OP would shut down at the end of July 2016. In July 2016, state regulators in application Illinois announced that they were beginning the process of taking over Land of Lincoln Health and winding down the CO-OP’s operations. A special enrollment period was created for the CO-OP’s 49,000 enrollees. In September 2016, state regulators in New Jersey placed Health Republic Insurance of New Jersey into rehabilitation, and the CO-OP ceased selling new plans. Health Republic’s existing plans terminated at the end of 2016.
In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of compare and contrast directions, 2017. At that point, they intended to speed and politics on dromology transition to a for-profit insurance company (Minuteman Insurance Company). Essay. However, they were unable to literary essay raise enough capital by the August 2017 deadline for securing a license for 2018, and and contrast directions will thus not re-open as a for-profit insurer. Minuteman Health is in receivership, and enrollees will need to personal statement obtain new coverage during open enrollment in the fall of 2017. In July 2017, Maryland regulators issued an administrative order blocking Evergreen Health from selling or renewing any plans (they only had group plans in force at that point, having terminated individual market plans at the end of 2016). The order notes that it’s expected that the process will culminate in receivership. Louise Norris has been writing about health insurance and healthcare reform Read more. RT @LouiseNorris: 1. Avg rate increase in Nevada 31.6%, but for the only compare returning carrier in and politics an essay the exchange, it's 36.8% https://t.co/AYXmXMK…
After subsidy, Minnesota health exchange insurance rates largely stable or dropping for 2018 | from @kpottermn… https://t.co/DabHX4CtIk. RT @LouiseNorris: If initiative is approved, they have until April to get enough signatures to get it on the ballot. Spread the word! https… Copyright ©1994-2017, healthinsurance.org llc, 5353 Wayzata Boulevard, Suite 300, St. Compare And Contrast Essay Directions. Louis Park, MN 55416. For quote requests or help in purchasing insurance, call toll-free 1-855-367-0132. or use our quote form.
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