30 Second Insurance Tips©

Tip 116- Three Trends To Watch

In the midst of adapting to health reform, expect to hear more about these three topics. A lot more!

Accountable Care Organizations or ACO’s: based on the premise that lower and stabilized costs result when all your health care is within one integrated health system.

Partial Self ‐ funding for Small Groups: gives employers an opportunity to lower fixed costs, analyze claims data and actually manage their health care spend.

Defined Contribution Health Plans: employers essentially exit the group insurance business, giving each employee tax advantaged dollars they may use to buy their own coverage. This strategy depends on the guarantee issue rules of Obamacare that start in 2014. And to a lesser degree, on new “Marketplaces” – aka Exchanges – that facilitate the shopping experience