Jean Alexandre helps Real Salt Lake blank slumping Vancouver
Sandy, UT, United States (AHN Sports) – Real Salt Lake, coming off a rare home loss last week, bounced back into the winners’ column behind the sterling effort of Jean Alexandre in a 2-0 rout of the visiting Vancouver Whitecaps Saturday night at Rio Tinto Stadium.
Alexandre, switched from midfielder to forward due to a number of injuries and international call-ups, opened up the scoring in the 32nd and set up the other RSL goal in the second half for his first career MLS goal and assist.
The 24-year-old Alexandre, who gradually adapted to his current position, collected a nifty Kyle Beckerman feed and maneuvered through traffic into the penalty area before slotting the ball home past Vancouver goalkeeper Joe Cannon.
In the 79th, Alexandre set up Fabian Espindola for the insurance goal.
It marked the first win in the past four league fixtures for RSL, which saw its 29-match home unbeaten streak halted by Seattle Sounders FC in its previous match.
Real Salt Lake, determined to get back into its winning ways after that rare home loss last week at Rio Tinto, outplayed the hapless Whitecaps on both ends of the field by compiling a total of 24 shots while putting eight of those on goal.
Vancouver tallied just seven shots overall. The expansion Whitecaps have not won in 13 matches since taking their first MLS game against Toronto FC.
RSL (6-2-2) is expected to ride on the momentum when it meets Columbus Wednesday. Vancouver (1-6-6) will attempt to snap its losing streak next Saturday when it plays Seattle in its MLS tilt.
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Feds Cutting Fees, Requirements For High-Risk Health Insurance Pools
Washington, DC, United States (KaiserHealth) – Trying to spur enrollment in a key new benefit of the 2010 health law, the Obama administration announced today it is slashing premiums for new high-risk insurance plans and no longer requiring applicants to submit a rejection letter from private insurers.
Since the plans were introduced in most states last summer, enrollment has fallen far short of expectations; only about 18,000 people have signed up. The Congressional Budget Office had estimated that as many as 4 million uninsured Americans would be eligible and that 200,000 would be enrolled by 2013. The government set aside $5 billion to fund the plans.
Citing the low enrollment, some Republicans including Rep. Fred Upton, R-Mich, have criticized the administration’s handling of the program. Twenty-seven states run their own plans; the federal government operates them in 23 states and the District of Columbia. The changes, which occur July 1, affect only federally run plans. The plans are intended to serve as a bridge to help people with medical conditions until insurance market reforms required by the law are implemented in 2014. At that time, insurers will no longer be able to deny coverage or charge higher rates for people with pre-existing conditions, a major benefit of the law.
To be eligible for the plans, applicants have to be uninsured for at least six months and have a pre-existing condition.
In the states where the plans are run by the federal government, applicants will no longer have to prove they were denied coverage by an insurance company. Instead, they can provide a doctor’s letter stating that they have a medical condition. At least a dozen state-run plans do not ask for a denial letter from an insurer. The premiums will drop as much as 40 percent in 17 states plus the District where the federally administered plans operates, the administration estimates. These decreases will help bring premiums closer to the rates in each state’s individual insurance market. In the six states where high-risk plan premiums were already similar to what healthy people pay for individual plans, premiums will remain the same. States that will see a 40 percent drop in premiums are Alabama, Arizona, Delaware, Florida, Kentucky and Virginia. In other states, premium reductions range from 2.1 percent in Mississippi to 38.3 percent in Minnesota.
In Florida, where 770 people have enrolled, a person 55 and over who subscribes to the so-called standard plan will see his or her monthly premium for the standard plan fall by $150 to $376.
To further generate interest in the plans, HHS this fall will begin paying insurance agents and brokers for signing up people.
“These changes will decrease costs and help insure more Americans,” said Health and Human Services Secretary Kathleen Sebelius. The administration released a chart showing changes to premiums in states with federally administered plans.
pgalewitz@kff.org
– Provided by Kaiser Health News.
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One in five Americans are unfit drivers
Winston-Salem, NC, United States (AHN) – An assessment of American drivers finds one in five drivers on the road today cannot meet the basic requirements to get a driver’s license. That means nearly 40 million American drivers – roughly 18 percent – would not fail the written drivers test if taken today.
The average score of all drivers in the GMAC Insurance National Drivers Test increased from 76.2 percent in 2010 to 77.9 percent this year, however results seem to show that a great number of people on the road still lack basic driving knowledge, which can lead to dangerous driving habits.
Eighty-five percent could not identify the correct action to take when approaching a steady yellow traffic light, and only a quarter were aware of safe following distances.
Without critical driving comprehension, many drivers run the risk of increased accidents or near accidents, where they often come to the realization of their lack of knowledge on rules of the road.
Specifically the Northeast was found to be the worst driving region with average scoring at 74.9 percent. The Midwest was deemed best driving region in the test with an average scoring of 77.5 percent.
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Bribery charges upset Qatar’s soccer field of dreams
Doha, Qatar David Rosenberg – The Gulf emirate of Qatar overcame doubts about the weather and its ability to stage a global sporting event when it won the right last December to host the 2022 soccer World Cup. But its hard-won victory is in jeopardy over charges now surfacing that it paid bribes to secure it.
The embarrassing charges threaten a carefully honed strategy by Qatar and the other oil-rich countries of the Gulf to turn themselves into global venues for big sporting events, enhancing their international standing and national pride while attracting tourist dollars. Tiny countries with very little sports tradition, they nevertheless have the money to build world-class facilities.
But some now allege that the cash wasn’t just put into state-of-the-art stadiums and marketing campaigns. Britain’s Sunday Times newspaper earlier this month alleged that two members of the Federation Internationale de Football Association (FIFA) took bribes of $1.5 million to back Qatar’s 2022 bid.
Qatar delivered a strongly worded statement on Monday denying what it called “serious, unsubstantiated and false” allegations. But, with the association struggling under an avalanche of corruption charges and a June 1 election for FIFA president approaching, Sepp Blatter — its current chief in a race for a fourth term — has refused to rule out the possibility of a re-vote.
“We are anxiously awaiting for these evidences or non-evidences in order that we can take the adequate steps,” Blatter told Britain’s Press Association on Sunday.
Qatar isn’t alone in pursuing the sports business. Since launching the Dubai Duty Free Tennis Championships in 1993, the United Arab Emirates (UAE) has hosted the Dubai Desert Classic, Rugby Sevens, Dubai World Cup horse race and the Formula One in Abu Dhabi. Bahrain has hosted Formula One racing since 2004 and is a venue for the Volvo Golf Champions tournament. Tourists not only come to see the events themselves but are drawn all year round by the golf courses and tennis courts used by their idols.
Even if Qatar’s soccer bid survives the corruption allegations, the emirate and its Gulf neighbors face multiple challenges to building their sports empires. The desert heat, political instability, spotty human rights records, and doubts about their ability to supply the infrastructure and services needed to host cloud the future.
Stefan Szymanski, an economics professor at Cass Business School in London who specializes in the economics of sports, said Qatar’s winning the World Cup had made it enemies among the bigger and more established soccer powers. Still, he said, he isn’t convinced that the charges against the emirate alone will lose it the event.
“Other national associations’ complaining won’t have much effect on Qatar’s standing,” he told The Media Line. “What would be damaging is proof that bribes were taken. But finding proof is very hard to do. It’s not likely that concrete evidence will emerge that these alleged bribes have been paid. It’s possible, but it is unlikely.”
Nevertheless, sports experts discounted the possibility that Arab Spring unrest across the Middle East or the absence of democracy and many human rights would have much of an effect in deterring the growth of big sports in the Gulf. Global sports associations tend to be “willfully naive” about the politics of the countries they are dealing with, said Szymanski.
The ability of a country to pay money to host sporting events and build facilities often outweighs political considerations, Mohamed Sheta, editor of Auto Arabia Media Group, the largest motorsport media group in the Middle East, told The Media Line.
“It’s not only political stability in a country, but it’s also a matter of money. Countries usually pay a huge amount of money to Ecclestone and FOM to have a race there,” he said, referring to Bernie Ecclestone, who controls Formula One racing worldwide through Formula One Management Ltd. and other businesses.
Still, Bahrain is struggling to win back a Formula One auto race it was forced to cancel in the face of violent political protests this spring. In motor sport, it’s not just a matter of convincing the sponsoring organization but the car companies and their teams to participate. The latter want to displays their technology in flourishing auto markets.
“There has already been a negative impact in the countries where there had been political unrest and political changes. If that continues, it could also have a negative impact on the Formula One expansion plans in the near future,” he told The Media Line. “Political unrest in general in the whole region will make it not so attractive for car companies to go into these countries.”
Szymanski of Cass Business School said the biggest threat to Qatar’s staging the World Cup remains the weather. Summer temperatures on Qatar can reach a scorching 50-degrees-centigrade (120 degrees Fahrenheit), which is significantly higher than anything most players have ever experienced. Moreover, FIFA regulations require World Cup games be played under an open-roof stadium.
Qatar’s answer is a technologically sophisticated air conditioning system now under development or to move the event to December, when the weather is more bearable. But many experts are skeptical that engineers will solve the artificial-cooling problem and clubs are bitterly opposed to changing the date. The risk is so great, insurance companies may refuse to cover the players.
“Qatar has to have a cast iron scheme for keeping the players safe. That’s a very serious issue. That’s far more important than the corruption issue,” said Szymanski. “The derailing will likely come from the technology problem.”
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Netminder Tim Thomas blanks Lightning, Bruins take 2-1 lead in series
Tampa Bay, FL, United States (AHN Sports) – A quick goal and Tim Thomas added up to a huge win for the Boston Bruins.
David Krejci scored the all-important first goal and Thomas made 31 saves to lead the Bruins to a 2-0 victory Thursday in Game 3 of the Eastern Conference finals.
Boston lost Game 1 at home but has won two straight to grab a 2-1 advantage in the series. Game 4 is Saturday afternoon at the St. Pete Times Forum.
Krejci scored 1:09 into the game to give the Bruins the momentum and quiet the home crowd. Defenseman Andrew Ference added an insurance goal midway into the third period for the Bruins.
Krejci’s goal was his second in as many games and team-high seventh of the playoffs.
Patrice Bergeron returned to the ice for the first time in the series and gave Boston a lift, winning 18 of 28 faceoffs.
Thomas was the start as he made 10 saves in the first period, six in the middle session and 15 in the third to record his second career playoff shutout.
Dwayne Roloson finished with 23 saves for fifth-seeded Tampa Bay
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Brown to unveil revised California budget, tax proposal
Sacramento, CA, United States (AHN) – California Gov. Jerry Brown on Monday was set to unveil an updated budget plan to close a record $26.6 billion deficit while taking into account better-than-expected April tax receipts and Republican opposition to a June ballot on tax extensions.
The announcement will come as the end of the fiscal year looms, and teachers and students in the state, which has the nation’s largest university system and the world’s eighth-largest economy, protest further cuts.
Brown early this year proposed a plan reducing spending by $12.5 billion, including $1.4 billion in cuts to higher education, and generating $12 billion from an extension of taxes that are due to expire this summer.
The tax extensions require a June ballot that in turn, must first be approved by two Republicans from the Assembly and two from the state Senate. The deadline for including the extensions in the ballot has passed, and unions have asked lawmakers to instead pass a bill allowing the ballot.
The governor’s revised budget plan is expected to seek at least some of his revenue-generating tax hikes even as Republicans point out the state’s more than $2 billion in unanticipated April tax revenue.
Last week, Brown announced drastic measures such as eliminating the Unemployment Insurance Appeals Board and shuttering 70 of 278 state parks, including the governor’s mansion.
Eliminating the appeals board, which is composed of appointees who preside over appeals on disputes about jobless and disability claims, would save the state $1.2 million.
The closure of parks would reduced spending by $11 million in the fiscal year starting in July, and another $22 million the following year. Parks with the least attendance and cultural and environmental significance were chosen for the closure, which will not affect 92 percent of public attendance in parks.
Brown, who served as governor for two terms nearly three decades ago, also plans to merge the state’s two personnel agencies into a single human resources department to save at least $5.8 million.
Previously, he ordered a hiring freeze and slashed the number of state cars and cell phones by 50 percent.
Republicans, who released an alternative budget plan last week, have railed against the latest proposals as “posturing” and ” misguided threats.”
State GOP spokesman Mark Standriff called the planned closure of parks “a ‘Washington Monument Strategy’ that is both cynical and manipulative, and shows little respect for the taxpayers.”
The Republican plan relies on the higher April revenue to prevent cuts to education and law enforcement. It does not raise taxes and calls on state workers to “do their part” with a 10 percent reduction in pay, benefits and other employee costs, which the GOP says would provide the government with $1.1 billion in savings.
The California Teachers Association, which held statewide protests last week, said the GOP’s alternative proposal would leave a $14.7 billion budget gap and fails to provide “real solutions.”
The San Francisco Chronicle said in its editorial on Monday that the GOP plan “should be dismissed as a nonstarter,” because it “included a heavy dose of borrowing and reliance on ‘savings.’ ” The newspaper also blasted Republicans for pushing “a ridiculously long wish list that strayed far from the subject of the budget.”
In March, Brown ended negotiations with Republicans after what he said was “an ever changing list of collateral demands” in return for support for a special election, such as giving a $1 billion tax break to out-of-state corporations so the companies would bring jobs to California.
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Initial jobless claims drop to 434,000
Washington, DC, United States (AHN) – Initial claims for jobless benefits decreased slightly during the week ending May 7, with 434,000 newly unemployed workers filing claims compared to the 478,000 the prior week.
That amounted to a 44,000 decrease in first time claims for unemployment compensation insurance benefits.
Although that is a move in the right direction, analysts say that only getting the numbers below the 400,000 mark and keeping them down will signal the nation’s economy is turning around.
In addition, the less volatile 4-week moving average was 436,750, which represented an increase of 4,500 from the previous week’s revised average of 432,250, the U.S. Department of Labor said.
The total number of people claiming benefits in all programs has dipped down below the 8 million mark, standing at 7,983,672 for the week ending April 23, which is the most recent week such data is available. That was a decrease of 31,247 from the week ending April 16.
Here’s a look at the states with the largest increases in first time claims for the week ending April 30, the latest week for which that data is available:
- New York (+24,431)
- Michigan (+3,948)
- Wisconsin (+3,746)
- North Carolina (+2,749)
- Ohio (+2,319)
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Austin Jackson busts out of slump; homer powers Tigers over Jays
Toronto, Canada (AHN Sports) – Austin Jackson hit a go-ahead homer in the seventh inning and Brad Penny followed Justin Verlander’s no-hitter with 7 2/3 solid innings as the Detroit Tigers posted a 5-2 victory over the Toronto Blue Jays in the rubber game of a three-game series Sunday.
Brandon Inge and Jhonny Peralta had two hits and Miguel Cabrera singled home an insurance run in the eighth for Detroit, which has won five of six.
Jackson, who hit .293 with four homers as a rookie last season, entered this series batting just .190 with one homer, but was 7-for-13 over the weekend. He drilled a 2-2 offering from Toronto starter Jo Jo Reyes (0-3) over the fence in left field for a 4-2 lead after Inge kept the seventh alive with a two-out single.
Penny (3-3) yielded just a two-run homer to Jose Bautista – his 10th of the season – in the third. Detroit got those runs back in the fourth on an RBI double by Victor Martinez and a run-scoring base hit by Peralta.
Penny was charged with seven hits with no walks and a strikeout in his longest outing since April 25, 2010.
Daniel Schlereth got the final out in the eighth and Jose Valverde struck out the side in the ninth for his seventh save in seven chances.
Reyes allowed five runs on eight hits in seven innings. Yuniel Escobar had two hits for Toronto.
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South Korea fears government sites next target of North Korean cyber attack
Seoul, South Korea (AHN) – South Korea’s national security policy-making institute said on Tuesday that North Korean hackers are getting more sophisticated after paralyzing the computer network of a local agricultural cooperative bank and will next target government websites.
Nam Sung-wook of the Institute for National Security Strategy (INSS) said the probable next targets are the government’s computerized network managing resident identification numbers or state medical insurance files.
Intelligence officials said power grids, nuclear power plants, airports, maritime ports or subway systems could also be crippled by North Korean hackers.
The concerns were aired as investigators of the cyber attack on Nonghyup on April 12 discovered 200 more computers planted with viruses to serve as the hackers’ zombie machines.
Investigators have found that a laptop used by an employee of Nonghyup was among the zombie computers where the cyber attack was launched to crash the bank’s server, throwing offline its automated teller machines for a few days.
The disruption of the bank’s online service affected 20 million clients.
The cyber attack also partially crippled Nonghyup’s credit card service for weeks.
Investigators linked the attack to North Korea as one of 27 IP addresses found on the IBM laptop was the same source of another cyber attack in March that planted viruses on computers so hackers can remotely control and use them for cyber attacks.
A total of 27 overseas servers were used in the Nonghyup attack and South Korean prosecutors are asking 13 countries where the servers are located to help identify the source of the attack.
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Some Employers Already Sending Workers To Exchanges to Buy Health Insurance
United States (KaiserHealth) – Fed up with the unpredictable cost of health insurance for his small business, Mike Sarafolean last year made a dramatic change: Instead of picking a plan to offer workers, he now sends them to a “private exchange” or marketplace where they compare and choose their own insurance. And the amount his company pays toward coverage is capped.
The move puts his St. Paul, Minn.-based company on the leading edge of a nascent trend that could shape how more employers offer and pay for their health benefits in the coming years. It is part of an ongoing evolution in job-based health benefits that is gradually shifting cost and responsibility to workers.
The private exchanges, mainly run by former insurance executives and employee benefit consulting firms, operate in more than 20 states.
While representing only a tiny fraction of workplaces, the movement may be about to grow: One of the nation’s largest employer-benefits consulting firms — Aon Hewitt — said Wednesday it will launch of an exchange aimed at large companies. It hopes to have at least 100,000 workers enrolled by early next year.
Proponents say the effort shields employers from unpredictable premium hikes because they will choose how much to increase their contribution each year and those amounts may be less than premiums actually increase. If that happens, workers would make up the difference.
Tempering such increases, proponents say, would be competition among insurers because workers would have a wider choice of plans, rather than just the one or two currently offered by many employers.
“We’re trying to create a retail marketplace that is competitive,” says Ken Sperling, who is overseeing the Aon Hewitt effort. Employees would get be able to choose among several carriers. “Insurers would have to compete for their business.”
The exchanges, which have some similarities to state-based programs mandated by the federal health overhaul law, also save employers money partly because workers, when given a variety of choices, are likely to choose less generous benefit plans, which will carry lower premiums, say proponents.
“Most companies are over-insuring their employees right now. We want to right-size that,” says Curtiss Butler, chief marketing officer at Liazon, which also operates a private exchange.
Others, including Carmen Balber of the advocacy group Consumer Watchdog, caution that private exchanges potentially could be used by insurers to “cherry pick” employers with younger and healthier workforces. Balber also said private exchanges potentially could steer workers toward policies that have low premiums, but also high annual deductibles and other charges. Such policies are more profitable for insurers, but can leave unprepared consumers on the hook for thousands in medical costs each year.
Private exchanges “absolve the employer from having any responsibility for providing benefits or getting a good deal for consumers,” says Balber.
Frustrated By Double-Digit Premium Hikes
Sarafolean, CEO of Orion Corp. of Minnesota, which provides services for people with disabilities, doesn’t see it that way.
Before he made the switch, Sarafolean said he had a limited number of insurance choices to offer his 70 workers: “I had to buy a plan that would make sense and fit for most people. Now they make choices that fit for them.”
For the past few years, his company faced “double-digit premium increases every renewal.” To slow those increases, Sarafolean said he had switched to a policy with large annual deductibles: payments of $4,500 by individuals or $9,000 by families before insurance began paying most medical costs. His employees also paid about $90 a month toward their premium.
A little more than a year ago, Orion received a 40 percent renewal increase, prompting him to move to Minneapolis-based Bloom Health, which set up private exchanges in Michigan, Minneapolis and Indiana.
Now, his company makes contributions ranging $125 a month for younger workers to $350 for older ones to special health reimbursement accounts, which workers then use to buy an insurance policy.
By making the change to a flat contribution and a private exchange, the company is saving 10 percent over its previous year’s cost of insurance, he says. Many of his workers also spend less, he says.
Gabrielle Smith, an employee of Orion Corporation of Minnesota, changed her benefit plan with the small company (Photo by Andy King).
He’s not sure what he will choose in 2014, when the state-based insurance exchanges are set to open as part of the health care law approved by Congress last year. Initially, those exchanges are aimed at individuals and small companies that are shopping for insurance. States can decide later in the decade whether to open them to large businesses.
Sperling, who is overseeing Aon Hewitt’s private exchange, compares the flat-payment change to one that gained speed in the early’90s: Employers abandoning pensions in favor of offering workers 401(k) plans for retirement savings.
But just as 401(k) plans transferred the risk of market downturns to workers, the flat-payment model would shift risk to workers if rapidly rising health costs outpace increases in employer contributions.
“From a consumer point of view, it makes me nervous because as premiums go up, it’s simply a mechanism to cost-shift,” says Sabrina Corlette, research professor at the Health Policy Institute at Georgetown University in Washington D.C. “That said, if it allows a small employer to continue to offer insurance … it’s not a terrible compromise.”
The model has been compared to House Budget Committee Chairman Paul Ryan’s proposal to cap government payments for future Medicare enrollees, giving them a set amount to buy coverage from private insurers. Under Ryan’s plan, the government contribution would grow with general inflation, which is less than medical inflation, saving taxpayer dollars, but substantially increasing beneficiaries’ costs, according to the Congressional Budget Office.
Sperling says he expects most employers will annually set increases in their health insurance contributions to an amount approximating wage increases – about 2 to 3 percent annually – which are generally well below medical inflation. But he says the competition created by the exchanges will help slow medical premium growth.
Rejection For Health Conditions
Unlike most of the private exchanges, the Bloom Health model, which serves about 25,000 people, sends workers to buy their own policies on the so-called individual market, rather than through a group health policy.
However, insurers selling individual policies in most states can reject applicants with medical problems, a practice that will end in 2014 under rules in the health care law.
Bloom CEO Abir Sen says his company offers its services only in states where rejected applicants can qualify for special state-run, high-risk insurance programs, which generally cost at least 25 percent more.
Gabrielle Smith, a 16-year employee of Orion who has an auto-immune disease, worried that under Bloom she would be unable to get insurance “or it would be so in excess of what I could afford.”
Smith, 48, did get coverage – through Minnesota’s high-risk pool – and found that she still was able to lower her deductible by $1,500 a year compared with the former $4,500 deductible plan offered at Orion. She now pays $45 a month for her premium.
“I haven’t heard anyone who is unhappy with the current insurance because it was all individualized,” says Smith. “Some of the younger employees with no medical conditions (found low-cost plans that) don’t require any money out of their paychecks.”
Other private exchanges, including Buffalo-N.Y.-based Liazon, which serves about 25,000 employees in 23 states, and the new Aon Hewitt model send workers to group policies, which cannot reject applicants with health problems. The exchanges vary in other ways, too: While Bloom and Aon Hewitt offer a variety of insurers, for example, Liazon contracts primarily with one main health insurer in each region.
Aon Hewitt’s model would offer only five different types of policies, ranging from high-deductible “bronze” and “silver” level plans to a high-end “platinum” plan with a broad network of doctors and hospitals and minimal consumer spending on deductibles or co-payments.
All the exchanges plan to collect revenue by charging employers a monthly fee, receiving commissions from insurers, or both.
It’s unclear how the advent of state-based exchanges will affect programs such as Bloom, Liazon and Aon Hewitt, or whether there will still be a demand for their services by small businesses.
“As of 2014, why will the private exchanges be needed?” asks Paul Fronstin of the Employee Benefit Research Institute, a nonprofit research group based in Washington.
On their websites, the private exchanges say what sets them apart from future state exchanges will be their level of customer service. By opening now, private exchanges also could be in a position to bid for contracts to run state exchanges, a move Sperling says Aon Hewitt would consider.
But Balber at Consumer Watchdog counters that the state exchanges may be better for consumers than private ones because states can choose to actively monitor the quality and cost of the insurers allowed to participate. In theory, private exchanges could do the same, but Balber is skeptical.
“To presume a private exchange is going to examine trends in premium increases and pressure insurers to lower prices is unlikely,” she says.
Benefit experts say there is growing interest in the move to a flat payment model, dubbed “defined contribution.” A March survey of very large employers by the HR Policy Association found that 36 percent are considering capping contributions for workers’ insurance over the next 10 years.
Some firms already set a cap on contributions for retirees, Fronstin says. But he predicts that most employers will take a wait-and-see approach before changing their health coverage for current employees.
Aon Hewitt’s Sperling says as the health system overhaul takes effect, most employers will continue to offer coverage to workers: “They’re either going to stay in the game and be more requiring of their employees (around healthy behavior) or will look for a realistic exit strategy, which could be a corporate exchange.”
– Provided by Kaiser Health News.
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