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"disqusTitle": "Thousands Of Consumers Get Insurance Cancellation Notices Due To Health Law Changes",
"title": "Thousands Of Consumers Get Insurance Cancellation Notices Due To Health Law Changes",
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"content": "\u003cfigure id=\"attachment_15800\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-e1382461889970.jpg\">\u003cimg class=\"size-large wp-image-15800\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-640x428.jpg\" alt=\"Insurers say some of their policies do not meet the standards required by the Affordable Care Act and must be dropped. (Getty Images)\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Insurers say some of their policies do not meet the standards required by the Affordable Care Act and must be dropped. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Anna Gorman and Julie Appleby\u003c/strong>, \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>The main reason insurers offer is that the policies fall short of what the Affordable Care Act requires starting Jan. 1. Most are ending policies sold after the law passed in March 2010. At least a few are cancelling plans sold to people with pre-existing medical conditions.\u003c/p>\n\u003cp>By all accounts, the new policies will offer consumers better coverage, in some cases, for comparable cost -- especially after the inclusion of federal subsidies for those who qualify. The law requires policies sold in the individual market to cover 10 “essential” benefits, such as prescription drugs, mental health treatment and maternity care. In addition, insurers cannot reject people with medical problems or charge them higher prices. The policies must also cap consumers’ annual expenses at levels lower than many plans sold before the new rules.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“I don’t feel like I need to change, but I have to.\"\u003c/aside>\n\u003cp>But the cancellation notices, which began arriving in August, have shocked many consumers in light of President Barack Obama’s promise that people could keep their plans if they liked them.\u003c/p>\n\u003cp>“I don’t feel like I need to change, but I have to,” said Jeff Learned, a television editor in Los Angeles, who must find a new plan for his teenage daughter, who has a health condition that has required multiple surgeries.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>An estimated 14 million people -- 2 million of them in California -- purchase their own coverage because they don’t get it through their jobs. Calls to insurers in several states showed that many have sent notices.\u003c!--more-->\u003c/p>\n\u003cp>Kaiser Permanente in California has sent notices to 160,000 people – about half of its individual business in the state. Florida Blue, for example, is terminating about 300,000 policies, about 80 percent of its individual policies in the state. Insurer Highmark in Pittsburgh is dropping about 20 percent of its individual market customers, while Independence Blue Cross, the major insurer in Philadelphia, is dropping about 45 percent.\u003c/p>\n\u003cp>\u003cstrong>Some Policies Targeted\u003c/strong>\u003c/p>\n\u003cp>Both Independence and Highmark are cancelling so-called “guaranteed issue” policies, which had been sold to customers who had pre-existing medical conditions when they signed up. Policyholders with regular policies because they did not have health problems will be given an option to extend their coverage through next year.\u003c/p>\n\u003cp>Consumer advocates say such cancellations raise concerns that companies may be targeting their most costly enrollees.\u003c/p>\n\u003cp>They may be “doing this as an opportunity to push their populations into the exchange and purge their systems” of policyholders they no longer want, said Jerry Flanagan, an attorney with the advocacy group Consumer Watchdog in California.\u003c/p>\n\u003cp>Insurers deny that, saying they are encouraging existing customers to re-enroll in their new plans.\u003c/p>\n\u003cp>“We continue to cover people with all types of health conditions,” said\u003cspan style=\"text-decoration: line-through\"> \u003c/span>Highmark spokeswoman Kristin Ash.\u003c/p>\n\u003cp>She said some policyholders who may have faced limited coverage for their medical conditions will get new plans with “richer benefits” and the policies “in most cases, will be at a lower rate.”\u003c/p>\n\u003cp>Paula Sunshine, vice president of marketing with Independence, said the insurer hopes the cancelled policyholders will “choose Blue when they decide on a new plan.”\u003c/p>\n\u003cp>\u003cstrong>Higher Costs?\u003c/strong>\u003c/p>\n\u003cp>Some receiving cancellations say it looks like their costs will go up, despite studies projecting that about half of all enrollees will get income-based subsidies.\u003c/p>\n\u003cp>Kris Malean, 56, lives outside Seattle, and has a health policy that costs $390 a month with a $2,500 deductible and a $10,000 in potential out-of-pocket costs for such things as doctor visits, drug costs or hospital care.\u003c/p>\n\u003cp>As a replacement, Regence BlueShield is offering her a plan for $79 more a month with a deductible twice as large as what she pays now, but which limits her potential out-of-pocket costs to $6,250 a year, including the deductible.\u003c/p>\n\u003cp>“My impression was …there would be a lot more choice, driving some of the rates down,” said Malean, who does not believe she is eligible for a subsidy.\u003c/p>\n\u003cp>Regence spokeswoman Rachelle Cunningham said the new plans offer consumers broader benefits, which “in many cases translate into higher costs.”\u003c/p>\n\u003cp>“The arithmetic is inescapable,” said Patrick Johnston, chief executive officer of the California Association of Health Plans. Costs must be spread, so while some consumers will see their premiums drop, others will pay more -- “no matter what people in Washington say.”\u003c/p>\n\u003cp>Health insurance experts say new prices will vary and much depends on where a person lives, their age and the type of policy they decide to buy. Some, including young people and those with skimpy or high-deductible plans, may see an increase. Others, including those with health problems or who buy coverage with higher deductibles than they have now, may see lower premiums.\u003c/p>\n\u003cp>Blue Shield of California sent roughly 119,000 cancellation notices out in mid-September, about 60 percent of its individual business. About two-thirds of those policyholders will see rate increases in their new policies, said spokesman Steve Shivinsky.\u003c/p>\n\u003cp>Like other insurers, the Blue Shield letters let customers know they have to make a decision by Dec. 31 or they will automatically be enrolled in a recommended plan.\u003c/p>\n\u003cp>“There is going to be a certain amount of churn in the marketplace as people have to make their decisions,” Shivinsky said.\u003c/p>\n\u003cp>\u003cem>Jay Hancock contributed to this report.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Kaiser Health News (KHN) is a nonprofit news organization covering health care policy and politics. It is an editorially independent program of the \u003ca href=\"http://www.kff.org/\" target=\"_blank\">Kaiser Family Foundation\u003c/a>.\u003c/em>\u003c/p>\n\n",
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"excerpt": "Health plans are sending hundreds of thousands of cancellation letters to people who buy their own coverage, frustrating some consumers who want to keep what they have and forcing others to buy more costly policies.",
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"description": "Health plans are sending hundreds of thousands of cancellation letters to people who buy their own coverage, frustrating some consumers who want to keep what they have and forcing others to buy more costly policies.",
"title": "Thousands Of Consumers Get Insurance Cancellation Notices Due To Health Law Changes | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15800\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-e1382461889970.jpg\">\u003cimg class=\"size-large wp-image-15800\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/92124217-640x428.jpg\" alt=\"Insurers say some of their policies do not meet the standards required by the Affordable Care Act and must be dropped. (Getty Images)\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Insurers say some of their policies do not meet the standards required by the Affordable Care Act and must be dropped. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Anna Gorman and Julie Appleby\u003c/strong>, \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>The main reason insurers offer is that the policies fall short of what the Affordable Care Act requires starting Jan. 1. Most are ending policies sold after the law passed in March 2010. At least a few are cancelling plans sold to people with pre-existing medical conditions.\u003c/p>\n\u003cp>By all accounts, the new policies will offer consumers better coverage, in some cases, for comparable cost -- especially after the inclusion of federal subsidies for those who qualify. The law requires policies sold in the individual market to cover 10 “essential” benefits, such as prescription drugs, mental health treatment and maternity care. In addition, insurers cannot reject people with medical problems or charge them higher prices. The policies must also cap consumers’ annual expenses at levels lower than many plans sold before the new rules.\u003c/p>\n\u003caside class=\"pullquote alignleft\">“I don’t feel like I need to change, but I have to.\"\u003c/aside>\n\u003cp>But the cancellation notices, which began arriving in August, have shocked many consumers in light of President Barack Obama’s promise that people could keep their plans if they liked them.\u003c/p>\n\u003cp>“I don’t feel like I need to change, but I have to,” said Jeff Learned, a television editor in Los Angeles, who must find a new plan for his teenage daughter, who has a health condition that has required multiple surgeries.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>An estimated 14 million people -- 2 million of them in California -- purchase their own coverage because they don’t get it through their jobs. Calls to insurers in several states showed that many have sent notices.\u003c!--more-->\u003c/p>\n\u003cp>Kaiser Permanente in California has sent notices to 160,000 people – about half of its individual business in the state. Florida Blue, for example, is terminating about 300,000 policies, about 80 percent of its individual policies in the state. Insurer Highmark in Pittsburgh is dropping about 20 percent of its individual market customers, while Independence Blue Cross, the major insurer in Philadelphia, is dropping about 45 percent.\u003c/p>\n\u003cp>\u003cstrong>Some Policies Targeted\u003c/strong>\u003c/p>\n\u003cp>Both Independence and Highmark are cancelling so-called “guaranteed issue” policies, which had been sold to customers who had pre-existing medical conditions when they signed up. Policyholders with regular policies because they did not have health problems will be given an option to extend their coverage through next year.\u003c/p>\n\u003cp>Consumer advocates say such cancellations raise concerns that companies may be targeting their most costly enrollees.\u003c/p>\n\u003cp>They may be “doing this as an opportunity to push their populations into the exchange and purge their systems” of policyholders they no longer want, said Jerry Flanagan, an attorney with the advocacy group Consumer Watchdog in California.\u003c/p>\n\u003cp>Insurers deny that, saying they are encouraging existing customers to re-enroll in their new plans.\u003c/p>\n\u003cp>“We continue to cover people with all types of health conditions,” said\u003cspan style=\"text-decoration: line-through\"> \u003c/span>Highmark spokeswoman Kristin Ash.\u003c/p>\n\u003cp>She said some policyholders who may have faced limited coverage for their medical conditions will get new plans with “richer benefits” and the policies “in most cases, will be at a lower rate.”\u003c/p>\n\u003cp>Paula Sunshine, vice president of marketing with Independence, said the insurer hopes the cancelled policyholders will “choose Blue when they decide on a new plan.”\u003c/p>\n\u003cp>\u003cstrong>Higher Costs?\u003c/strong>\u003c/p>\n\u003cp>Some receiving cancellations say it looks like their costs will go up, despite studies projecting that about half of all enrollees will get income-based subsidies.\u003c/p>\n\u003cp>Kris Malean, 56, lives outside Seattle, and has a health policy that costs $390 a month with a $2,500 deductible and a $10,000 in potential out-of-pocket costs for such things as doctor visits, drug costs or hospital care.\u003c/p>\n\u003cp>As a replacement, Regence BlueShield is offering her a plan for $79 more a month with a deductible twice as large as what she pays now, but which limits her potential out-of-pocket costs to $6,250 a year, including the deductible.\u003c/p>\n\u003cp>“My impression was …there would be a lot more choice, driving some of the rates down,” said Malean, who does not believe she is eligible for a subsidy.\u003c/p>\n\u003cp>Regence spokeswoman Rachelle Cunningham said the new plans offer consumers broader benefits, which “in many cases translate into higher costs.”\u003c/p>\n\u003cp>“The arithmetic is inescapable,” said Patrick Johnston, chief executive officer of the California Association of Health Plans. Costs must be spread, so while some consumers will see their premiums drop, others will pay more -- “no matter what people in Washington say.”\u003c/p>\n\u003cp>Health insurance experts say new prices will vary and much depends on where a person lives, their age and the type of policy they decide to buy. Some, including young people and those with skimpy or high-deductible plans, may see an increase. Others, including those with health problems or who buy coverage with higher deductibles than they have now, may see lower premiums.\u003c/p>\n\u003cp>Blue Shield of California sent roughly 119,000 cancellation notices out in mid-September, about 60 percent of its individual business. About two-thirds of those policyholders will see rate increases in their new policies, said spokesman Steve Shivinsky.\u003c/p>\n\u003cp>Like other insurers, the Blue Shield letters let customers know they have to make a decision by Dec. 31 or they will automatically be enrolled in a recommended plan.\u003c/p>\n\u003cp>“There is going to be a certain amount of churn in the marketplace as people have to make their decisions,” Shivinsky said.\u003c/p>\n\u003cp>\u003cem>Jay Hancock contributed to this report.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Kaiser Health News (KHN) is a nonprofit news organization covering health care policy and politics. It is an editorially independent program of the \u003ca href=\"http://www.kff.org/\" target=\"_blank\">Kaiser Family Foundation\u003c/a>.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Why Some Are Seeing Premiums Go Up As Affordable Care Act Goes Into Effect",
"title": "Why Some Are Seeing Premiums Go Up As Affordable Care Act Goes Into Effect",
"headTitle": "State of Health | KQED News",
"content": "\u003cfigure id=\"attachment_13022\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/05/96226495-e1382074913159.jpg\">\u003cimg class=\"size-full wp-image-13022\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/05/96226495-e1382074913159.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159-400x267.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159-320x214.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>In late September, Peter Lee, the executive director of Covered California — the state's health insurance marketplace — was a guest on\u003ca href=\"http://www.kqed.org/a/forum/R201309270900\" target=\"_blank\"> KQED's Forum\u003c/a>. It was just days until the Oct. 1 opening of the exchange. Lee touted the benefits of the Affordable Care Act, saying that many people would pay less for health insurance, but he cautioned that for some people, \"rates may go up a little bit.\"\u003c/p>\n\u003cp>Pretty soon Mark Brown of San Jose called the show to say his premiums were going up -- and much more than a little bit. Brown, who buys health insurance for himself and his wife, said his premiums were going up a whopping 90 percent.\u003c/p>\n\u003cp>When I heard Brown on the air, I hurried to the control room to get his phone number and later got his full details:\u003c/p>\n\u003cul>\n\u003cli>In 2013, Brown's plan with Kaiser has a $5,000 deductible and a $6,000 out-of-pocket maximum. It costs him $272 a month.\u003c/li>\n\u003cli>In 2014, Kaiser offered him a plan with a $4,500 deductible and a $6,350 out-of-pocket max. But the premium is $519 a month.\u003c/li>\n\u003c/ul>\n\u003cp>It's very similar coverage for almost double the cost.\u003c!--more-->\u003c/p>\n\u003cp>Brown's story was so astonishing that Glenn Melnick, a health economist at the University of Southern California, simply didn't believe it when I called him to ask how this big of a rate increase could be happening. \"A 90 percent increase just doesn't make sense to me,\" he said.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Melnick encouraged me to double-check the facts, saying that there must be something Brown was missing. But Brown provided his documents from Kaiser, I reviewed them and forwarded them to Melnick, who confirmed that Brown's analysis — a 90.9 percent increase for similar coverage — checked out.\u003c/p>\n\u003cp>\"You've got my attention,\" Melnick said.\u003c/p>\n\u003cp>In fairness to Kaiser, the other plans available on Covered California to Brown were roughly the same cost and since all plans on the marketplace must offer the same benefits, the coverage for any other plan would be equivalent. Brown says he does not qualify for a subsidy, so he and his wife will be paying for the entire premium themselves.\u003c/p>\n\u003cp>Brown, 56, said he supports the Affordable Care Act and assessed his situation somewhat philosophically. \"Everybody should have medical coverage,\" he said, \"and there are going to be winners and losers whenever they deploy something like this, and I'm in the loser category at this point.\"\u003c/p>\n\u003cp>The big question right now is how many people are in that category with him. At the end of the week after Covered California opened, I wrote about \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/obamacare-downside-reports-of-premiums-going-up/\" target=\"_blank\">another person\u003c/a> whose premiums were going up, and that post is now filled with comments from other frustrated people who are experiencing premium increases.\u003c/p>\n\u003cp>In that post, Larry Levitt of the Kaiser Family Foundation attributed the increases to the cost of adding people with pre-existing conditions to the pool. But how and why that happens is an interesting look at California's individual market now and the one expected to take shape as we move into 2014.\u003c/p>\n\u003cp>Before we get there, a bit of background. Of California's 38 million people:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Roughly 80 percent\u003c/strong> have either employer-based insurance or are covered by a public program such as Medicare or Medi-Cal, the state's version of Medicaid. They are largely not affected by the rollout of the ACA.\u003c/li>\n\u003cli>\u003cstrong>Another 14 percent\u003c/strong> of Californians lack health insurance. That's more than \u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationInfographic1.pdf\" target=\"_blank\">5.5 million people\u003c/a>.\u003c/li>\n\u003cli>\u003cstrong>And 6 percent\u003c/strong> of Californians — or about 2 million people — buy insurance for themselves, on the individual market.\u003c/li>\n\u003c/ul>\n\u003cp>Bear with me here for a few more numbers:\u003c/p>\n\u003cp>Of those 2 million people who currently buy their own insurance, somewhere between \u003ca href=\"http://laborcenter.berkeley.edu/healthcare/resources/CalSIM_Statewide.pdf\" target=\"_blank\">37 percent\u003c/a> and \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">51 percent\u003c/a> (depending on whose numbers you choose) will pay\u003cem> less\u003c/em> for their coverage in 2014 because of the subsidies available under the Affordable Care Act. (Subsidies are available to people with incomes up to 400 percent of poverty — capping out at $46,000 for an individual or $94,200 for a family of four.)\u003c/p>\n\u003cp>So that leaves roughly 1 million people whose premiums are potentially subject to change under Obamacare. The questions are: in what direction and by how much? It'll be awhile before we have global numbers. So for now we're left with anecdotes.\u003c/p>\n\u003cp>\u003cstrong>Premiums up for some, down for others\u003c/strong>\u003c/p>\n\u003cp>Kevin Knauss, an insurance broker in the Sacramento area, analyzed a small sample of his clientele and found that about a quarter of them were seeing their premiums go down. And, no, these people were not eligible for the ACA subsidies, he said. So, for at least some people the ACA is saving them money.\u003c/p>\n\u003cp>But what about Mark Brown and others who are seeing significant increases? What are the drivers?\u003c/p>\n\u003cp>An\u003ca href=\"http://www.healthexchange.ca.gov/Documents/Factors%20Affecting%20Individual%20Premiums%20FINAL%203-28-2013.pdf\" target=\"_blank\"> extensive report \u003c/a>back in March from Milliman, a global actuarial firm, has some answers. It got widespread \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/03/28/health-care-overhaul-to-dramatically-reduce-premiums-for-many-individuals-study-finds/\" target=\"_blank\">media attention\u003c/a> at the time. Remember that this report came out well before Covered California \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/05/23/californias-health-insurance-exchange-sets-plans-premiums-no-apparent-rate-shock/\" target=\"_blank\">announced\u003c/a> its 2014 plans and premiums, at a time when there was concern of significant rate shock, that premiums would skyrocket for everyone due to Obamacare. The report found that many people would pay significantly less, largely due to subsidies. But the report included estimates that premiums would go up, on average, 20 percent for people who earn too much to qualify for subsidies. In other words, some people will pay less, some people will pay the same and some people -- like Brown -- will pay much more.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/06/obama-supporters-canceled-by-obamacare/#more-16124\" target=\"_blank\">San Francisco Obama Supporters, Cancelled by Obamacare\u003c/a>]\u003c/p>\n\u003cp>Part of that increase — about 9 percent — would have happened anyway, the report said. That's because health care costs keep rising. But much of the rest of the increase, the report shows, is because those 2 million people in the individual insurance pool have tended to be healthier (and therefore less expensive to insure) than the average population.\u003cstrong> \u003c/strong>The makeup of those in the individual pool is likely to change under the Affordable Care Act, as the uninsured gain insurance. Covered California hopes to enroll 1 million people by the end of 2014, increasing the individual insurance pool by 50 percent.\u003c/p>\n\u003cp>\u003cstrong>Individual insurance pool in California a healthier group\u003c/strong>\u003c/p>\n\u003cp>Why is the current pool healthier? Because in California, like many other states, insurers offered products based on your health history, or medical underwriting, in the industry parlance. People in good health generally pay less than those with worse health. Most people have heard the stories of individuals being denied coverage -- at any cost -- because of pre-existing health conditions. So that means people who needed health care the most weren't in the individual insurance pool. Now they will be.\u003c/p>\n\u003cp>\"I know that people are going to feel like they are getting the short end of the stick because they are having to pay more for their health insurance. Unfortunately there are winners and losers under the ACA,\" said Gerald Kominski at the UCLA Center for Health Policy Research, echoing Mark Brown. \"When we weigh everything, the reforms benefit many more people than they harm, but these are the most disadvantaged in the marketplace.\"\u003c/p>\n\u003cp>One of those people disadvantaged in the pre-ACA marketplace is \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/enrolling-in-covered-california-experience-from-one-san-franciscan-san-francisco-obamacare/\" target=\"_blank\">Paul Cello\u003c/a> of San Francisco. He has an essentially benign heart condition, but it left him uninsurable 10 years ago, after he left his job and his COBRA ran out. He did get into the state's high-risk pool where his premiums are a little over $500 a month, he said, but benefits are capped at $75,000 annually. While Cello's health costs have never approached $75,000, he was worried they could. “It always felt like if anything big happened, I was going to be in trouble,” he told me.\u003c/p>\n\u003cp>On the second day the Covered California was open, he enrolled in a Blue Shield plan with no lifetime maximum (as required by the ACA) and with more comprehensive benefits than his current plan. His premium has gone down slightly to $483 -- plus Cello qualified for a subsidy, bringing his costs down further.\u003c/p>\n\u003cp>I could list more anecdotes, but it will be awhile before Milliman or other analysts can issue a new report. In the meantime, Kominski views the situation societally.\u003c/p>\n\u003cp>\"It's unfortunate that some people are going to have to pay more. Some people who currently have lower cost insurance will have to,\" Kominski said. \"On balance a lot more people will be better off, but there's a small portion who would have been better off just keeping things as they are.\"\u003c/p>\n\u003cp>\u003cstrong>Learn more: \u003c/strong>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cstrong>\u003c/strong>For you wonks out there, the California Health Care Foundation has a \u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationActuarialValue.pdf\" target=\"_blank\">great explainer on actuarial value,\u003c/a> which represents the share of health care expenses a plan covers for a typical group of enrollees. Most plans now have an actuarial value of 55 percent. Bronze level plans under the Affordable Care Act are at 60 percent. This is another driver of premium increase.\u003c/p>\n\n",
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"description": "In late September, Peter Lee, the executive director of Covered California — the state's health insurance marketplace — was a guest on KQED's Forum. It was just days until the Oct. 1 opening of the exchange. Lee touted the benefits of the Affordable Care Act, saying that many people would pay less for health insurance,",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_13022\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/05/96226495-e1382074913159.jpg\">\u003cimg class=\"size-full wp-image-13022\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/05/96226495-e1382074913159.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159-400x267.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/05/96226495-e1382074913159-320x214.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>In late September, Peter Lee, the executive director of Covered California — the state's health insurance marketplace — was a guest on\u003ca href=\"http://www.kqed.org/a/forum/R201309270900\" target=\"_blank\"> KQED's Forum\u003c/a>. It was just days until the Oct. 1 opening of the exchange. Lee touted the benefits of the Affordable Care Act, saying that many people would pay less for health insurance, but he cautioned that for some people, \"rates may go up a little bit.\"\u003c/p>\n\u003cp>Pretty soon Mark Brown of San Jose called the show to say his premiums were going up -- and much more than a little bit. Brown, who buys health insurance for himself and his wife, said his premiums were going up a whopping 90 percent.\u003c/p>\n\u003cp>When I heard Brown on the air, I hurried to the control room to get his phone number and later got his full details:\u003c/p>\n\u003cul>\n\u003cli>In 2013, Brown's plan with Kaiser has a $5,000 deductible and a $6,000 out-of-pocket maximum. It costs him $272 a month.\u003c/li>\n\u003cli>In 2014, Kaiser offered him a plan with a $4,500 deductible and a $6,350 out-of-pocket max. But the premium is $519 a month.\u003c/li>\n\u003c/ul>\n\u003cp>It's very similar coverage for almost double the cost.\u003c!--more-->\u003c/p>\n\u003cp>Brown's story was so astonishing that Glenn Melnick, a health economist at the University of Southern California, simply didn't believe it when I called him to ask how this big of a rate increase could be happening. \"A 90 percent increase just doesn't make sense to me,\" he said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Melnick encouraged me to double-check the facts, saying that there must be something Brown was missing. But Brown provided his documents from Kaiser, I reviewed them and forwarded them to Melnick, who confirmed that Brown's analysis — a 90.9 percent increase for similar coverage — checked out.\u003c/p>\n\u003cp>\"You've got my attention,\" Melnick said.\u003c/p>\n\u003cp>In fairness to Kaiser, the other plans available on Covered California to Brown were roughly the same cost and since all plans on the marketplace must offer the same benefits, the coverage for any other plan would be equivalent. Brown says he does not qualify for a subsidy, so he and his wife will be paying for the entire premium themselves.\u003c/p>\n\u003cp>Brown, 56, said he supports the Affordable Care Act and assessed his situation somewhat philosophically. \"Everybody should have medical coverage,\" he said, \"and there are going to be winners and losers whenever they deploy something like this, and I'm in the loser category at this point.\"\u003c/p>\n\u003cp>The big question right now is how many people are in that category with him. At the end of the week after Covered California opened, I wrote about \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/obamacare-downside-reports-of-premiums-going-up/\" target=\"_blank\">another person\u003c/a> whose premiums were going up, and that post is now filled with comments from other frustrated people who are experiencing premium increases.\u003c/p>\n\u003cp>In that post, Larry Levitt of the Kaiser Family Foundation attributed the increases to the cost of adding people with pre-existing conditions to the pool. But how and why that happens is an interesting look at California's individual market now and the one expected to take shape as we move into 2014.\u003c/p>\n\u003cp>Before we get there, a bit of background. Of California's 38 million people:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Roughly 80 percent\u003c/strong> have either employer-based insurance or are covered by a public program such as Medicare or Medi-Cal, the state's version of Medicaid. They are largely not affected by the rollout of the ACA.\u003c/li>\n\u003cli>\u003cstrong>Another 14 percent\u003c/strong> of Californians lack health insurance. That's more than \u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationInfographic1.pdf\" target=\"_blank\">5.5 million people\u003c/a>.\u003c/li>\n\u003cli>\u003cstrong>And 6 percent\u003c/strong> of Californians — or about 2 million people — buy insurance for themselves, on the individual market.\u003c/li>\n\u003c/ul>\n\u003cp>Bear with me here for a few more numbers:\u003c/p>\n\u003cp>Of those 2 million people who currently buy their own insurance, somewhere between \u003ca href=\"http://laborcenter.berkeley.edu/healthcare/resources/CalSIM_Statewide.pdf\" target=\"_blank\">37 percent\u003c/a> and \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">51 percent\u003c/a> (depending on whose numbers you choose) will pay\u003cem> less\u003c/em> for their coverage in 2014 because of the subsidies available under the Affordable Care Act. (Subsidies are available to people with incomes up to 400 percent of poverty — capping out at $46,000 for an individual or $94,200 for a family of four.)\u003c/p>\n\u003cp>So that leaves roughly 1 million people whose premiums are potentially subject to change under Obamacare. The questions are: in what direction and by how much? It'll be awhile before we have global numbers. So for now we're left with anecdotes.\u003c/p>\n\u003cp>\u003cstrong>Premiums up for some, down for others\u003c/strong>\u003c/p>\n\u003cp>Kevin Knauss, an insurance broker in the Sacramento area, analyzed a small sample of his clientele and found that about a quarter of them were seeing their premiums go down. And, no, these people were not eligible for the ACA subsidies, he said. So, for at least some people the ACA is saving them money.\u003c/p>\n\u003cp>But what about Mark Brown and others who are seeing significant increases? What are the drivers?\u003c/p>\n\u003cp>An\u003ca href=\"http://www.healthexchange.ca.gov/Documents/Factors%20Affecting%20Individual%20Premiums%20FINAL%203-28-2013.pdf\" target=\"_blank\"> extensive report \u003c/a>back in March from Milliman, a global actuarial firm, has some answers. It got widespread \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/03/28/health-care-overhaul-to-dramatically-reduce-premiums-for-many-individuals-study-finds/\" target=\"_blank\">media attention\u003c/a> at the time. Remember that this report came out well before Covered California \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/05/23/californias-health-insurance-exchange-sets-plans-premiums-no-apparent-rate-shock/\" target=\"_blank\">announced\u003c/a> its 2014 plans and premiums, at a time when there was concern of significant rate shock, that premiums would skyrocket for everyone due to Obamacare. The report found that many people would pay significantly less, largely due to subsidies. But the report included estimates that premiums would go up, on average, 20 percent for people who earn too much to qualify for subsidies. In other words, some people will pay less, some people will pay the same and some people -- like Brown -- will pay much more.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/06/obama-supporters-canceled-by-obamacare/#more-16124\" target=\"_blank\">San Francisco Obama Supporters, Cancelled by Obamacare\u003c/a>]\u003c/p>\n\u003cp>Part of that increase — about 9 percent — would have happened anyway, the report said. That's because health care costs keep rising. But much of the rest of the increase, the report shows, is because those 2 million people in the individual insurance pool have tended to be healthier (and therefore less expensive to insure) than the average population.\u003cstrong> \u003c/strong>The makeup of those in the individual pool is likely to change under the Affordable Care Act, as the uninsured gain insurance. Covered California hopes to enroll 1 million people by the end of 2014, increasing the individual insurance pool by 50 percent.\u003c/p>\n\u003cp>\u003cstrong>Individual insurance pool in California a healthier group\u003c/strong>\u003c/p>\n\u003cp>Why is the current pool healthier? Because in California, like many other states, insurers offered products based on your health history, or medical underwriting, in the industry parlance. People in good health generally pay less than those with worse health. Most people have heard the stories of individuals being denied coverage -- at any cost -- because of pre-existing health conditions. So that means people who needed health care the most weren't in the individual insurance pool. Now they will be.\u003c/p>\n\u003cp>\"I know that people are going to feel like they are getting the short end of the stick because they are having to pay more for their health insurance. Unfortunately there are winners and losers under the ACA,\" said Gerald Kominski at the UCLA Center for Health Policy Research, echoing Mark Brown. \"When we weigh everything, the reforms benefit many more people than they harm, but these are the most disadvantaged in the marketplace.\"\u003c/p>\n\u003cp>One of those people disadvantaged in the pre-ACA marketplace is \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/enrolling-in-covered-california-experience-from-one-san-franciscan-san-francisco-obamacare/\" target=\"_blank\">Paul Cello\u003c/a> of San Francisco. He has an essentially benign heart condition, but it left him uninsurable 10 years ago, after he left his job and his COBRA ran out. He did get into the state's high-risk pool where his premiums are a little over $500 a month, he said, but benefits are capped at $75,000 annually. While Cello's health costs have never approached $75,000, he was worried they could. “It always felt like if anything big happened, I was going to be in trouble,” he told me.\u003c/p>\n\u003cp>On the second day the Covered California was open, he enrolled in a Blue Shield plan with no lifetime maximum (as required by the ACA) and with more comprehensive benefits than his current plan. His premium has gone down slightly to $483 -- plus Cello qualified for a subsidy, bringing his costs down further.\u003c/p>\n\u003cp>I could list more anecdotes, but it will be awhile before Milliman or other analysts can issue a new report. In the meantime, Kominski views the situation societally.\u003c/p>\n\u003cp>\"It's unfortunate that some people are going to have to pay more. Some people who currently have lower cost insurance will have to,\" Kominski said. \"On balance a lot more people will be better off, but there's a small portion who would have been better off just keeping things as they are.\"\u003c/p>\n\u003cp>\u003cstrong>Learn more: \u003c/strong>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>\u003c/strong>For you wonks out there, the California Health Care Foundation has a \u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationActuarialValue.pdf\" target=\"_blank\">great explainer on actuarial value,\u003c/a> which represents the share of health care expenses a plan covers for a typical group of enrollees. Most plans now have an actuarial value of 55 percent. Bronze level plans under the Affordable Care Act are at 60 percent. This is another driver of premium increase.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Future of Healthy San Francisco Unclear in Face of Obamacare",
"title": "Future of Healthy San Francisco Unclear in Face of Obamacare",
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"content": "\u003cfigure id=\"attachment_15684\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/SCALAS-2.jpg\">\u003cimg class=\"size-large wp-image-15684\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/SCALAS-2-640x387.jpg\" alt=\"Many San Francisco restaurants pass along at least part of their cost of Healthy San Francisco to patrons. (Angela Hart/KQED)\" width=\"640\" height=\"387\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Many San Francisco restaurants pass along at least part of their cost of Healthy San Francisco to patrons. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Angela Hart\u003c/strong>\u003c/p>\n\u003cp>San Francisco is scrambling to figure out how the Affordable Care Act will impact the city's own landmark universal health legislation, less than three months before the full rollout of Obamacare.\u003c/p>\n\u003cp>Barbara Garcia, who runs the Department of Public Health, is leading a task force of health experts, business groups and labor leaders who have until the end of November to decipher what health experts are calling confusing and complex details in both the local and national health laws.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\"How do you make these two laws correspond?\" \u003c/aside>\n\u003cp>\"The question for the task force is how do you make these two laws correspond,\" said Ken Jacobs, chair of the Labor Center at UC Berkeley who specializes in health policy, and who is also on the task force. \"In my view, they correspond quite well, though there's some work to do around the edges.\"\u003c/p>\n\u003cp>Healthy San Francisco rolled out in 2006 to provide universal health access to the city's 85,000 uninsured. Today, it covers about 60,000 people.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Now, health experts and city leaders are floating the idea of using Healthy San Francisco monies to help uninsured residents pay their Covered California premiums. Even with federal subsidies available under Obamacare, the cost of insurance may be out of reach for many, they say.\u003c/p>\n\u003cp>And, experts familiar with Healthy San Francisco say additional financial incentives for consumers will increase the number of young healthy people who sign up for insurance under Covered California, the state's new health insurance marketplace.\u003c!--more-->\u003c/p>\n\u003cp>Businesses fund Healthy San Francisco through an “employer spending requirement,” which was bitterly fought by some groups when the law passed. Any business employing 20 or more workers must pay between $1.55 and $2.33 per hour, per employee, as long as the worker puts in at least eight hours a week.\u003c/p>\n\u003cp>Some businesses can pass off part of that cost. People who eat in San Francisco restaurants, for example, might see this as a line item on their restaurant bill.\u003c/p>\n\u003cp>\"There are some who feel the employer spending requirement should go away,\" said San Francisco Supervisor David Campos. \"We believe eliminating the employer spending requirement would be a major disaster.\"\u003c/p>\n\u003cp>But prominent business groups such as the San Francisco Chamber of Commerce say they're worried that using Healthy San Francisco funds could create a different problem —making workers ineligible for Covered California.\u003c/p>\n\u003cp>\"We all want to ensure people get the benefits they're entitled to under the Affordable Care Act,\" said Jim Lazarus, with the San Francisco Chamber of Commerce \"But we're concerned about how the employer spending requirement interacts with the Affordable Care Act.\"\u003c/p>\n\u003cp>Lazarus said the Chamber and other business groups worry that money employers set aside for workers to spend on their health care costs could count as minimum essential coverage, which they say could fulfill the individual mandate under Obamacare guidelines. City leaders are \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/07/how-healthy-san-francisco-matters-and-doesnt-in-obamacare/\" target=\"_blank\">already on the record\u003c/a> as saying Healthy San Francisco will not fulfill the Obamacare individual mandate. But there are more questions than answers at this point around meshing Healthy San Francisco with the Affordable Care Act.\u003c/p>\n\u003cp>\"All we've been asking for is the city to give us guidance on what employers can do,\" Lazarus said. He's especially concerned about the businesses which do not offer health insurance, but want to comply with the ACA.\u003c/p>\n\u003cp>Jacobs, the UC Berkeley health policy analyst, says the national health law allows for states and cities to offer additional subsidy programs – exactly what the task force is considering for Healthy San Francisco.\u003c/p>\n\u003cp>He pointed to similar programs underway in Vermont, Massachusetts and New York that offer financial help for workers who find paying their insurance premium too expensive, even with the federal subsidies.\u003c/p>\n\u003cp>\"Healthy San Francisco could go far in filling in the gaps in the Affordable Care Act,\" Jacobs said. He's especially concerned about low- and middle-income people who can't afford the premium in the face of the high cost of living in San Francisco. Additional premium subsidies from Healthy San Francisco \"could help lower their cost and increase the uptake for Covered California insurance required under ACA.\"\u003c/p>\n\u003cp>Campos has argued since the task force started meeting in July that \"what we're doing in San Francisco is complementary to the Affordable Care Act.\"\u003c/p>\n\u003cp>Yet another key issue is what to do in place of health reimbursement accounts, which are no longer allowed under federal guidelines.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The task force plans to evaluate Healthy San Francisco funding over the next two months. The next meeting is Thursday, Oct. 24. The City says it should have guidance for San Francisco businesses by the end of November.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15684\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/SCALAS-2.jpg\">\u003cimg class=\"size-large wp-image-15684\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/SCALAS-2-640x387.jpg\" alt=\"Many San Francisco restaurants pass along at least part of their cost of Healthy San Francisco to patrons. (Angela Hart/KQED)\" width=\"640\" height=\"387\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Many San Francisco restaurants pass along at least part of their cost of Healthy San Francisco to patrons. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Angela Hart\u003c/strong>\u003c/p>\n\u003cp>San Francisco is scrambling to figure out how the Affordable Care Act will impact the city's own landmark universal health legislation, less than three months before the full rollout of Obamacare.\u003c/p>\n\u003cp>Barbara Garcia, who runs the Department of Public Health, is leading a task force of health experts, business groups and labor leaders who have until the end of November to decipher what health experts are calling confusing and complex details in both the local and national health laws.\u003c/p>\n\u003caside class=\"pullquote alignleft\">\"How do you make these two laws correspond?\" \u003c/aside>\n\u003cp>\"The question for the task force is how do you make these two laws correspond,\" said Ken Jacobs, chair of the Labor Center at UC Berkeley who specializes in health policy, and who is also on the task force. \"In my view, they correspond quite well, though there's some work to do around the edges.\"\u003c/p>\n\u003cp>Healthy San Francisco rolled out in 2006 to provide universal health access to the city's 85,000 uninsured. Today, it covers about 60,000 people.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Now, health experts and city leaders are floating the idea of using Healthy San Francisco monies to help uninsured residents pay their Covered California premiums. Even with federal subsidies available under Obamacare, the cost of insurance may be out of reach for many, they say.\u003c/p>\n\u003cp>And, experts familiar with Healthy San Francisco say additional financial incentives for consumers will increase the number of young healthy people who sign up for insurance under Covered California, the state's new health insurance marketplace.\u003c!--more-->\u003c/p>\n\u003cp>Businesses fund Healthy San Francisco through an “employer spending requirement,” which was bitterly fought by some groups when the law passed. Any business employing 20 or more workers must pay between $1.55 and $2.33 per hour, per employee, as long as the worker puts in at least eight hours a week.\u003c/p>\n\u003cp>Some businesses can pass off part of that cost. People who eat in San Francisco restaurants, for example, might see this as a line item on their restaurant bill.\u003c/p>\n\u003cp>\"There are some who feel the employer spending requirement should go away,\" said San Francisco Supervisor David Campos. \"We believe eliminating the employer spending requirement would be a major disaster.\"\u003c/p>\n\u003cp>But prominent business groups such as the San Francisco Chamber of Commerce say they're worried that using Healthy San Francisco funds could create a different problem —making workers ineligible for Covered California.\u003c/p>\n\u003cp>\"We all want to ensure people get the benefits they're entitled to under the Affordable Care Act,\" said Jim Lazarus, with the San Francisco Chamber of Commerce \"But we're concerned about how the employer spending requirement interacts with the Affordable Care Act.\"\u003c/p>\n\u003cp>Lazarus said the Chamber and other business groups worry that money employers set aside for workers to spend on their health care costs could count as minimum essential coverage, which they say could fulfill the individual mandate under Obamacare guidelines. City leaders are \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/07/how-healthy-san-francisco-matters-and-doesnt-in-obamacare/\" target=\"_blank\">already on the record\u003c/a> as saying Healthy San Francisco will not fulfill the Obamacare individual mandate. But there are more questions than answers at this point around meshing Healthy San Francisco with the Affordable Care Act.\u003c/p>\n\u003cp>\"All we've been asking for is the city to give us guidance on what employers can do,\" Lazarus said. He's especially concerned about the businesses which do not offer health insurance, but want to comply with the ACA.\u003c/p>\n\u003cp>Jacobs, the UC Berkeley health policy analyst, says the national health law allows for states and cities to offer additional subsidy programs – exactly what the task force is considering for Healthy San Francisco.\u003c/p>\n\u003cp>He pointed to similar programs underway in Vermont, Massachusetts and New York that offer financial help for workers who find paying their insurance premium too expensive, even with the federal subsidies.\u003c/p>\n\u003cp>\"Healthy San Francisco could go far in filling in the gaps in the Affordable Care Act,\" Jacobs said. He's especially concerned about low- and middle-income people who can't afford the premium in the face of the high cost of living in San Francisco. Additional premium subsidies from Healthy San Francisco \"could help lower their cost and increase the uptake for Covered California insurance required under ACA.\"\u003c/p>\n\u003cp>Campos has argued since the task force started meeting in July that \"what we're doing in San Francisco is complementary to the Affordable Care Act.\"\u003c/p>\n\u003cp>Yet another key issue is what to do in place of health reimbursement accounts, which are no longer allowed under federal guidelines.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The task force plans to evaluate Healthy San Francisco funding over the next two months. The next meeting is Thursday, Oct. 24. The City says it should have guidance for San Francisco businesses by the end of November.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "eHealth CEO Embraces Obamacare, Argues for Access to All Californians",
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"content": "\u003cfigure id=\"attachment_15646\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Second-Best-External-GR-shot-2-copy-e1381530738277.jpg\">\u003cimg class=\"size-large wp-image-15646\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Second-Best-External-GR-shot-2-copy-640x265.jpg\" alt=\"(Courtesy: eHealth, Inc.)\" width=\"640\" height=\"265\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Courtesy eHealth, Inc.)\u003c/figcaption>\u003c/figure>\n\u003cp>Gary Lauer is in an odd position.\u003c/p>\n\u003cp>\"I've been running the largest source of individual health insurance in the country and not insurable myself.\"\u003c/p>\n\u003cp>Lauer is CEO of eHealth, the Mountain View-based company which runs the online marketplace eHealthInsurance.com. But he's also a cancer survivor. Without the regulatory changes required under the Affordable Care Act, his pre-existing condition makes him uninsurable, at least on the individual market.\u003c/p>\n\u003cp>\"My oldest son, who is a student in medical school, is a Type 1 diabetic, same thing,\" he said. \"So I've got a real personal interest and real passion for the Affordable Care Act to be very successful and to work.\"\u003c/p>\n\u003cp>Lauer describes his marketplace as the \"Amazon.com or the Google\" of health insurance. In \u003ca href=\"http://www.ehealthinsurance.com/individual-health-insurance?allid=eHe29411\" target=\"_blank\">the online marketplace\u003c/a> multiple insurance companies offer their plans to consumers. If you're thinking this sounds like Covered California or other Obamacare exchanges in other states, you're right.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>But Lauer is not threatened by these big new competitors. Instead, he sees himself in partnership with government efforts to move the uninsured under the umbrella of coverage. He already has experience in reaching the uninsured. He says that \"40 percent of the people we've gotten covered are previously uninsured.\"\u003c/p>\n\u003cp>A recent \u003ca href=\"http://www.gallup.com/poll/164696/two-three-uninsured-americans-plan-buy-insurance.aspx\" target=\"_blank\">Gallup Poll\u003c/a> showed that nearly two in three uninsured Americans — about 32 million people — planned to buy health insurance as a result of the Affordable Care Act. Lauer likely has a lot more customers coming his way, since eHealth operates in all 50 states.\u003c/p>\n\u003cp>But in California, many of those potential customers won't have access to his service. At issue is the \"subsidy-eligible population\" — people whose incomes fall below 400 percent of poverty and are eligible for premium support from the federal government. For those people to access the subsidy, they must buy insurance on the Covered California marketplace. They cannot get the subsidy if they buy on eHealthInsurance.com. And Lauer doesn't like it.\u003c/p>\n\u003cp>\"For Obamacare to succeed, you've got to have a lot of people enrolled in the pool, and when you have more ladders into the pool,\" he said, referring to more options to sign up for insurance, \"it's sensible that you're going to end up with more people in the pool.\"\u003c/p>\n\u003cp>Californians above the subsidy threshold are not restricted to Covered California. They may buy on eHealthInsurance.com through a broker or even directly from a plan, if they like.\u003c/p>\n\u003cp>The federal government is setting up marketplaces in the 34 states that have refused to set up exchanges on their own. EHealth recently signed a deal with the federal government to allow everyone in these states — including subsidy-eligible people — to use eHealth to enroll.\u003c/p>\n\u003cp>Lauer found it ironic that in the states that are \"defiant about Obamacare, (that) lower income residents in these Republican states may have more enrollment options than states like California.\" Lauer says he's \"frankly constructively very critical of the California exchange for not doing this.\"\u003c/p>\n\u003cp>Dana Howard, a spokesman for Covered California, said that other vendors are certainly welcome to sell Covered California plans outside the exchange, but right now \"we do not have the capability to allow and authorize others outside of Covered California to offer the insurance plans for subsidy-eligible individuals.\" Howard did say it was \"something we are looking at,\" but did not provide a time frame.\u003c/p>\n\u003cp>Lauer says he's mystified by the state's stance. \"It just makes sense that if you take someone as large as us, a California, Silicon Valley born-and-bred company doing this, while the exchange is enrolling people as well, we're going to get more lower income Californians enrolled,\" he said.\u003c/p>\n\u003cp>EHealth has experience reaching lower income populations, Lauer said, through \"media work, outreach online ... and a lot of partnerships.\" He says his company has just signed a partnership with Solo Health, which runs medical kiosks in WalMart stores.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"You've got to be assertive and you're got to be creative,\" Lauer said. \"I think Covered California will do good work getting to these people, but they won't get to all of them — we won't as well. [But] put us both together, the sum of that is going to be many more people getting coverage.\"\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15646\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Second-Best-External-GR-shot-2-copy-e1381530738277.jpg\">\u003cimg class=\"size-large wp-image-15646\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Second-Best-External-GR-shot-2-copy-640x265.jpg\" alt=\"(Courtesy: eHealth, Inc.)\" width=\"640\" height=\"265\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Courtesy eHealth, Inc.)\u003c/figcaption>\u003c/figure>\n\u003cp>Gary Lauer is in an odd position.\u003c/p>\n\u003cp>\"I've been running the largest source of individual health insurance in the country and not insurable myself.\"\u003c/p>\n\u003cp>Lauer is CEO of eHealth, the Mountain View-based company which runs the online marketplace eHealthInsurance.com. But he's also a cancer survivor. Without the regulatory changes required under the Affordable Care Act, his pre-existing condition makes him uninsurable, at least on the individual market.\u003c/p>\n\u003cp>\"My oldest son, who is a student in medical school, is a Type 1 diabetic, same thing,\" he said. \"So I've got a real personal interest and real passion for the Affordable Care Act to be very successful and to work.\"\u003c/p>\n\u003cp>Lauer describes his marketplace as the \"Amazon.com or the Google\" of health insurance. In \u003ca href=\"http://www.ehealthinsurance.com/individual-health-insurance?allid=eHe29411\" target=\"_blank\">the online marketplace\u003c/a> multiple insurance companies offer their plans to consumers. If you're thinking this sounds like Covered California or other Obamacare exchanges in other states, you're right.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But Lauer is not threatened by these big new competitors. Instead, he sees himself in partnership with government efforts to move the uninsured under the umbrella of coverage. He already has experience in reaching the uninsured. He says that \"40 percent of the people we've gotten covered are previously uninsured.\"\u003c/p>\n\u003cp>A recent \u003ca href=\"http://www.gallup.com/poll/164696/two-three-uninsured-americans-plan-buy-insurance.aspx\" target=\"_blank\">Gallup Poll\u003c/a> showed that nearly two in three uninsured Americans — about 32 million people — planned to buy health insurance as a result of the Affordable Care Act. Lauer likely has a lot more customers coming his way, since eHealth operates in all 50 states.\u003c/p>\n\u003cp>But in California, many of those potential customers won't have access to his service. At issue is the \"subsidy-eligible population\" — people whose incomes fall below 400 percent of poverty and are eligible for premium support from the federal government. For those people to access the subsidy, they must buy insurance on the Covered California marketplace. They cannot get the subsidy if they buy on eHealthInsurance.com. And Lauer doesn't like it.\u003c/p>\n\u003cp>\"For Obamacare to succeed, you've got to have a lot of people enrolled in the pool, and when you have more ladders into the pool,\" he said, referring to more options to sign up for insurance, \"it's sensible that you're going to end up with more people in the pool.\"\u003c/p>\n\u003cp>Californians above the subsidy threshold are not restricted to Covered California. They may buy on eHealthInsurance.com through a broker or even directly from a plan, if they like.\u003c/p>\n\u003cp>The federal government is setting up marketplaces in the 34 states that have refused to set up exchanges on their own. EHealth recently signed a deal with the federal government to allow everyone in these states — including subsidy-eligible people — to use eHealth to enroll.\u003c/p>\n\u003cp>Lauer found it ironic that in the states that are \"defiant about Obamacare, (that) lower income residents in these Republican states may have more enrollment options than states like California.\" Lauer says he's \"frankly constructively very critical of the California exchange for not doing this.\"\u003c/p>\n\u003cp>Dana Howard, a spokesman for Covered California, said that other vendors are certainly welcome to sell Covered California plans outside the exchange, but right now \"we do not have the capability to allow and authorize others outside of Covered California to offer the insurance plans for subsidy-eligible individuals.\" Howard did say it was \"something we are looking at,\" but did not provide a time frame.\u003c/p>\n\u003cp>Lauer says he's mystified by the state's stance. \"It just makes sense that if you take someone as large as us, a California, Silicon Valley born-and-bred company doing this, while the exchange is enrolling people as well, we're going to get more lower income Californians enrolled,\" he said.\u003c/p>\n\u003cp>EHealth has experience reaching lower income populations, Lauer said, through \"media work, outreach online ... and a lot of partnerships.\" He says his company has just signed a partnership with Solo Health, which runs medical kiosks in WalMart stores.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"You've got to be assertive and you're got to be creative,\" Lauer said. \"I think Covered California will do good work getting to these people, but they won't get to all of them — we won't as well. [But] put us both together, the sum of that is going to be many more people getting coverage.\"\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "California Trains Helpers to Enroll Consumers in Health Insurance",
"title": "California Trains Helpers to Enroll Consumers in Health Insurance",
"headTitle": "State of Health | KQED News",
"content": "\u003cfigure id=\"attachment_15623\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg\">\u003cimg class=\"size-full wp-image-15623\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg\" alt=\"Edward Avalos assists consumers from his office at Gardner Health Center in San Jose. (Sarah Varney/Kaiser Health News)\" width=\"640\" height=\"480\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655-400x300.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655-320x240.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Edward Avalos assists consumers from his office at Gardner Health Center in San Jose. (Sarah Varney/Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Sarah Varney,\u003c/strong> \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/11/Training-And-Outreach-In-California.aspx\" target=\"_blank\">Kaiser Health News\u003c/a> and \u003ca href=\"http://www.npr.org/blogs/health/2013/10/11/232020853/california-trains-helpers-to-meet-demand-for-health-insurance\" target=\"_blank\">NPR\u003c/a>\u003c/p>\n\u003cp>Luisa Blue, head of the local Service Employees International Union in San Jose, has five more months to spend a million dollars. The union received a grant from Covered California, the state’s health insurance marketplace and is using some of the money to call people in their homes at night and on the weekend, as part of a massive education effort.\u003c/p>\n\u003cp>“Over 4,000 (people) have said tell me more about Covered California and how can I enroll to get health insurance,” Blue says of her organization’s first two weeks on the case.\u003c/p>\n\u003cp>But once they're primed to enroll, the hand-off to counselors who can help Californians sign up for coverage has been rocky. Many counselors are still attending training or are awaiting background checks and state-issued licenses; some just need a computer log-in.\u003c/p>\n\u003cp>The month of October was always supposed to be about drumming up interest, says Peter Lee, Covered California’s executive director. The state never intended, he says, to have all counselors certified this early.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“We have 20,000 county workers,” Lee says. “The vast majority have been certified and people can go into county offices. Licensed insurance agents? You know, we’ve got about 3,000 - 4,000 of 15,000 completed training. A lot of training is happening everyday and every week.”\u003c/p>\n\u003cp>\u003cstrong>Paper Applications?\u003c/strong>\u003c/p>\n\u003cp>Edward Avalos takes a certain pride in being one of the first certified enrollment specialists in the state. At Gardner Health Center in San Jose, a clinic for low-income families, the jumbo-sized calendar on Avalos’ desk is filled with appointments – he even makes house calls. He had to silence his office phone to be interviewed for just a few uninterrupted moments. Avalos has had problems signing people up online.\u003c/p>\n\u003cp>“There’s sometimes when you get to the last page and unfortunately you run into a stumbling block. The page freezes and you have to start over again,” he says.\u003c/p>\n\u003cp>When that happens, Avalos pulls out a paper application.\u003c/p>\n\u003cp>“There was banking before computers and there was health care before computers and there will be health care after,” Avalos says.\u003c/p>\n\u003cp>Tracking enrollment with the fervor of a stock market watcher obscures the fact that the state is well on its way of meeting the goal of signing up 600,000 people by March, according to Jerry Kominski, director of the Center for Health Policy Research at UCLA.\u003c/p>\n\u003cp>“(The goal is)100,000 a month, roughly 3,300 people a day,” he notes. “In the first week, they enrolled almost 30,000 people in five days. That’s much more than 3,300 people a day. So I think even with all the glitches, they’re already off to a more than adequate start.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Kominski says to keep its front-runner status, California needs to keep up the pace.\u003c/p>\n\u003cdiv>\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15623\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg\">\u003cimg class=\"size-full wp-image-15623\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg\" alt=\"Edward Avalos assists consumers from his office at Gardner Health Center in San Jose. (Sarah Varney/Kaiser Health News)\" width=\"640\" height=\"480\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655-400x300.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/Eduardo-e1381510556655-320x240.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Edward Avalos assists consumers from his office at Gardner Health Center in San Jose. (Sarah Varney/Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Sarah Varney,\u003c/strong> \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/11/Training-And-Outreach-In-California.aspx\" target=\"_blank\">Kaiser Health News\u003c/a> and \u003ca href=\"http://www.npr.org/blogs/health/2013/10/11/232020853/california-trains-helpers-to-meet-demand-for-health-insurance\" target=\"_blank\">NPR\u003c/a>\u003c/p>\n\u003cp>Luisa Blue, head of the local Service Employees International Union in San Jose, has five more months to spend a million dollars. The union received a grant from Covered California, the state’s health insurance marketplace and is using some of the money to call people in their homes at night and on the weekend, as part of a massive education effort.\u003c/p>\n\u003cp>“Over 4,000 (people) have said tell me more about Covered California and how can I enroll to get health insurance,” Blue says of her organization’s first two weeks on the case.\u003c/p>\n\u003cp>But once they're primed to enroll, the hand-off to counselors who can help Californians sign up for coverage has been rocky. Many counselors are still attending training or are awaiting background checks and state-issued licenses; some just need a computer log-in.\u003c/p>\n\u003cp>The month of October was always supposed to be about drumming up interest, says Peter Lee, Covered California’s executive director. The state never intended, he says, to have all counselors certified this early.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“We have 20,000 county workers,” Lee says. “The vast majority have been certified and people can go into county offices. Licensed insurance agents? You know, we’ve got about 3,000 - 4,000 of 15,000 completed training. A lot of training is happening everyday and every week.”\u003c/p>\n\u003cp>\u003cstrong>Paper Applications?\u003c/strong>\u003c/p>\n\u003cp>Edward Avalos takes a certain pride in being one of the first certified enrollment specialists in the state. At Gardner Health Center in San Jose, a clinic for low-income families, the jumbo-sized calendar on Avalos’ desk is filled with appointments – he even makes house calls. He had to silence his office phone to be interviewed for just a few uninterrupted moments. Avalos has had problems signing people up online.\u003c/p>\n\u003cp>“There’s sometimes when you get to the last page and unfortunately you run into a stumbling block. The page freezes and you have to start over again,” he says.\u003c/p>\n\u003cp>When that happens, Avalos pulls out a paper application.\u003c/p>\n\u003cp>“There was banking before computers and there was health care before computers and there will be health care after,” Avalos says.\u003c/p>\n\u003cp>Tracking enrollment with the fervor of a stock market watcher obscures the fact that the state is well on its way of meeting the goal of signing up 600,000 people by March, according to Jerry Kominski, director of the Center for Health Policy Research at UCLA.\u003c/p>\n\u003cp>“(The goal is)100,000 a month, roughly 3,300 people a day,” he notes. “In the first week, they enrolled almost 30,000 people in five days. That’s much more than 3,300 people a day. So I think even with all the glitches, they’re already off to a more than adequate start.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Kominski says to keep its front-runner status, California needs to keep up the pace.\u003c/p>\n\u003cdiv>\u003c/div>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Enroll by Valentine's Day to Avoid Obamacare Fines",
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"content": "\u003cfigure id=\"attachment_15604\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172765550.jpg\">\u003cimg class=\"size-large wp-image-15604\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172765550-640x425.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>When it comes to Obamacare, the big date we've heard for a long time is Jan. 1, 2014. That's the day the Affordable Care Act takes full effect, requiring most Americans to be covered, or pay a fine.\u003c/p>\n\u003cp>We've also heard that there's a grace period -- that in this first year, people have until March 31 get covered before the fine will kick in.\u003c/p>\n\u003cp>But, whoops! It turns out that Mar. 31 date is wrong, the Obama administration confirmed to the Associated Press on Wednesday. In order to have coverage by March 31, you need to enroll by Feb. 15 -- in other words, the day after Valentine's Day -- to avoid the penalty.\u003c/p>\n\u003cp>Here's why: It takes about two weeks to process applications. Insurance takes effect on the first of the month. You need to enroll by Feb. 15, for the insurance to take effect March 1. Insurance on April 1 is too late, and you will pay the fine.\u003c/p>\n\u003cp>The Jackson Hewitt tax preparation company first pointed out the wrinkle with the health care law's least popular requirement.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>An administration official confirmed it. The official was not authorized to speak publicly and insisted on anonymity. \u003c!--more-->\u003c/p>\n\u003cp>Brian Haile, senior vice president for health policy at Jackson Hewitt, said government agencies initially had different interpretations of the enrollment deadline. The Health and Human Services department, which is taking the lead in implementing the law, kept referring to a March 31 deadline. But the Internal Revenue Service, which handles most of the financial aspects, suggested that the deadline had to be in February.\u003c/p>\n\u003cp>Leave it to the IRS to figure it out.\u003c/p>\n\u003cp>\"There were inconsistencies,\" said Haile, adding it took several inquiries by Jackson Hewitt over the last few weeks to clear up the uncertainty.\u003c/p>\n\u003cp>Starting next year, the law requires virtually all Americans to have insurance or face a tax penalty, triggered after a coverage gap of three months. (That's why Apr. 1 is too late to avoid the fine, if that's the day your insurance starts.) The penalty starts as low as $95 for 2014, but escalates in subsequent years. There are exemptions for financial hardship and other defined circumstances.\u003c/p>\n\u003cp>The purpose of the penalty is to nudge as many people as possible into the insurance pool. That would help keep premiums in check, since the law also forbids insurers from turning away people with health problems.\u003c/p>\n\u003cp>Haile said an earlier enrollment deadline around Valentine's Day may turn out to be a blessing in disguise for the administration, because it creates a natural opportunity to market to young, healthy people, whose premiums are needed to offset medical costs of older generations.\u003c/p>\n\u003cp>\"When thinking about how to attract young people, a Valentine's Day message may be very salient,\" he said.\u003c/p>\n\u003cp>The administration says the deadline is actually Feb. 15, the day after Valentine's Day.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>That's close enough that the government might be able to make the pitch work.\u003c/p>\n\n",
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"excerpt": "When it comes to Obamacare, the big date we've heard for a long time is Jan. 1, 2014. That's the day the Affordable Care Act takes full effect, requiring most Americans to be covered, or pay a fine. We've also heard that there's a grace period -- that in this first year, people have until March 31 to enroll before the fine will kick in. \r\n\r\nBut, whoops! Turns out that Mar. 31 date is wrong, the Obama administration confirmed to the Associated Press on Wednesday. In order to have coverage by March 31, you need to enroll by Feb. 15",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15604\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172765550.jpg\">\u003cimg class=\"size-large wp-image-15604\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172765550-640x425.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>When it comes to Obamacare, the big date we've heard for a long time is Jan. 1, 2014. That's the day the Affordable Care Act takes full effect, requiring most Americans to be covered, or pay a fine.\u003c/p>\n\u003cp>We've also heard that there's a grace period -- that in this first year, people have until March 31 get covered before the fine will kick in.\u003c/p>\n\u003cp>But, whoops! It turns out that Mar. 31 date is wrong, the Obama administration confirmed to the Associated Press on Wednesday. In order to have coverage by March 31, you need to enroll by Feb. 15 -- in other words, the day after Valentine's Day -- to avoid the penalty.\u003c/p>\n\u003cp>Here's why: It takes about two weeks to process applications. Insurance takes effect on the first of the month. You need to enroll by Feb. 15, for the insurance to take effect March 1. Insurance on April 1 is too late, and you will pay the fine.\u003c/p>\n\u003cp>The Jackson Hewitt tax preparation company first pointed out the wrinkle with the health care law's least popular requirement.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>An administration official confirmed it. The official was not authorized to speak publicly and insisted on anonymity. \u003c!--more-->\u003c/p>\n\u003cp>Brian Haile, senior vice president for health policy at Jackson Hewitt, said government agencies initially had different interpretations of the enrollment deadline. The Health and Human Services department, which is taking the lead in implementing the law, kept referring to a March 31 deadline. But the Internal Revenue Service, which handles most of the financial aspects, suggested that the deadline had to be in February.\u003c/p>\n\u003cp>Leave it to the IRS to figure it out.\u003c/p>\n\u003cp>\"There were inconsistencies,\" said Haile, adding it took several inquiries by Jackson Hewitt over the last few weeks to clear up the uncertainty.\u003c/p>\n\u003cp>Starting next year, the law requires virtually all Americans to have insurance or face a tax penalty, triggered after a coverage gap of three months. (That's why Apr. 1 is too late to avoid the fine, if that's the day your insurance starts.) The penalty starts as low as $95 for 2014, but escalates in subsequent years. There are exemptions for financial hardship and other defined circumstances.\u003c/p>\n\u003cp>The purpose of the penalty is to nudge as many people as possible into the insurance pool. That would help keep premiums in check, since the law also forbids insurers from turning away people with health problems.\u003c/p>\n\u003cp>Haile said an earlier enrollment deadline around Valentine's Day may turn out to be a blessing in disguise for the administration, because it creates a natural opportunity to market to young, healthy people, whose premiums are needed to offset medical costs of older generations.\u003c/p>\n\u003cp>\"When thinking about how to attract young people, a Valentine's Day message may be very salient,\" he said.\u003c/p>\n\u003cp>The administration says the deadline is actually Feb. 15, the day after Valentine's Day.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>That's close enough that the government might be able to make the pitch work.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "For Legal Immigrants, Obamacare Has Options for Aging Parents",
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"content": "\u003cfigure id=\"attachment_15577\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172615408.jpg\">\u003cimg class=\"size-large wp-image-15577\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172615408-640x472.jpg\" alt=\"A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)\" width=\"640\" height=\"472\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Mohan Iyer has been in a bind. He's lived in the U.S. since he came here for college from India in 1980. He ultimately got a job, a green card and became a citizen in 1994. Most of his siblings live here now, too.\u003c/p>\n\u003cp>After his father passed away two years ago, Iyer and his siblings have wanted their mother to move here. But there's one big problem: she is effectively barred from any kind of reliable health insurance.\u003c/p>\n\u003cp>\"Health care has been a big issue,\" said Iyer, who is 50 and lives in Menlo Park.\u003c/p>\n\u003caside class=\"pullquote alignleft\">New immigrants of any age can purchase health insurance on Covered California\u003c/aside>\n\u003cp>That's because new immigrants over age 65 are not eligible for Medicare. For legal immigrants like Iyer, who are people of working age, the impossibility of obtaining health insurance for their parents has been a barrier in their hopes of moving aging parents or grandparents to the U.S.\u003c/p>\n\u003cp>Americans over 65 tend not to worry much about health insurance, because of Medicare, the government insurance program for the elderly and the disabled. But while Medicare is available to virtually all citizens, starting at age 65, immigrants legally present in the U.S. for less than five years are not eligible.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>And because of the very existence of Medicare, private insurance companies generally do not offer health insurance plans for those over 65. \"There are health insurance options,\" Iyer said, \"but these are usually catastrophic traveler's insurance. They usually have a very high deductible and they're expensive.\"\u003c/p>\n\u003cp>They also tend to exclude pre-existing conditions, he said.\u003c!--more-->\u003c/p>\n\u003cp>\"We've heard horror stories of elderly parents visiting their kids here, having a fall or a cardiac problem and the bill arrives in the range of $100,000.\"\u003c/p>\n\u003cp>As our conversation went on, Iyer was clearly at a loss of what to do. \"It's one thing to say I'll support my mom, and another to say I'm ready for a sudden, six-figure bill that I have to cover.\"\u003c/p>\n\u003cp>I asked him if he was aware that immigrants, even those here less than 5 years (a big cutoff point in immigration policy) were eligible to purchase health insurance In the Covered California marketplace, the new exchange set up to comply with the Affordable Care Act.\u003c/p>\n\u003cp>Iyer lit up. \"Oh, really? Wow, that is huge!\" he exclaimed. \"This has been something I've been sweating.\" He said that finding peace of mind on this issue would be \"a huge deal.\"\u003c/p>\n\u003cp>Tanya Broder in the Oakland office of the National Immigration Law Center said there's \"a lot of confusion\" about immigrants and the ACA. \"Most of the outreach materials and most of the material online are directed at citizens.\"\u003c/p>\n\u003cp>She pointed out that the ACA seems to make the presumption that most people over 65 are receiving Medicare.\u003c/p>\n\u003cp>\"But there's nothing prohibiting someone who is lawfully present in the U.S. but ineligible for Medicare or Medicaid from purchasing coverage in the exchange,\" Broder said.\u003c/p>\n\u003cp>Obamacare provides new options for immigrants under age 65 as well. California is participating in the Medicaid expansion, called Medi-Cal in California. For the first time, individuals (citizens and legal immigrants alike) who do not have children and are not disabled can apply to the program, as long as their income is less than 138 percent of poverty, about $15,500. Immigrants must be here legally, but they do not need to have a green card.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>We have more detail in our popular \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Obamacare Guide\u003c/a>. Click on the \"I am an immigrant\" section.\u003c/p>\n\n",
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"excerpt": "People over 65 tend not to worry much about health insurance, because of Medicare, the government insurance program for the elderly and the disabled. But while Medicare is available to virtually all citizens, starting at age 65, immigrants legally present in the U.S. for less than five years are not eligible.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15577\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172615408.jpg\">\u003cimg class=\"size-large wp-image-15577\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/172615408-640x472.jpg\" alt=\"A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)\" width=\"640\" height=\"472\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">A view of the the Statue of Liberty. (Timothy Clary/AFP/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Mohan Iyer has been in a bind. He's lived in the U.S. since he came here for college from India in 1980. He ultimately got a job, a green card and became a citizen in 1994. Most of his siblings live here now, too.\u003c/p>\n\u003cp>After his father passed away two years ago, Iyer and his siblings have wanted their mother to move here. But there's one big problem: she is effectively barred from any kind of reliable health insurance.\u003c/p>\n\u003cp>\"Health care has been a big issue,\" said Iyer, who is 50 and lives in Menlo Park.\u003c/p>\n\u003caside class=\"pullquote alignleft\">New immigrants of any age can purchase health insurance on Covered California\u003c/aside>\n\u003cp>That's because new immigrants over age 65 are not eligible for Medicare. For legal immigrants like Iyer, who are people of working age, the impossibility of obtaining health insurance for their parents has been a barrier in their hopes of moving aging parents or grandparents to the U.S.\u003c/p>\n\u003cp>Americans over 65 tend not to worry much about health insurance, because of Medicare, the government insurance program for the elderly and the disabled. But while Medicare is available to virtually all citizens, starting at age 65, immigrants legally present in the U.S. for less than five years are not eligible.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>And because of the very existence of Medicare, private insurance companies generally do not offer health insurance plans for those over 65. \"There are health insurance options,\" Iyer said, \"but these are usually catastrophic traveler's insurance. They usually have a very high deductible and they're expensive.\"\u003c/p>\n\u003cp>They also tend to exclude pre-existing conditions, he said.\u003c!--more-->\u003c/p>\n\u003cp>\"We've heard horror stories of elderly parents visiting their kids here, having a fall or a cardiac problem and the bill arrives in the range of $100,000.\"\u003c/p>\n\u003cp>As our conversation went on, Iyer was clearly at a loss of what to do. \"It's one thing to say I'll support my mom, and another to say I'm ready for a sudden, six-figure bill that I have to cover.\"\u003c/p>\n\u003cp>I asked him if he was aware that immigrants, even those here less than 5 years (a big cutoff point in immigration policy) were eligible to purchase health insurance In the Covered California marketplace, the new exchange set up to comply with the Affordable Care Act.\u003c/p>\n\u003cp>Iyer lit up. \"Oh, really? Wow, that is huge!\" he exclaimed. \"This has been something I've been sweating.\" He said that finding peace of mind on this issue would be \"a huge deal.\"\u003c/p>\n\u003cp>Tanya Broder in the Oakland office of the National Immigration Law Center said there's \"a lot of confusion\" about immigrants and the ACA. \"Most of the outreach materials and most of the material online are directed at citizens.\"\u003c/p>\n\u003cp>She pointed out that the ACA seems to make the presumption that most people over 65 are receiving Medicare.\u003c/p>\n\u003cp>\"But there's nothing prohibiting someone who is lawfully present in the U.S. but ineligible for Medicare or Medicaid from purchasing coverage in the exchange,\" Broder said.\u003c/p>\n\u003cp>Obamacare provides new options for immigrants under age 65 as well. California is participating in the Medicaid expansion, called Medi-Cal in California. For the first time, individuals (citizens and legal immigrants alike) who do not have children and are not disabled can apply to the program, as long as their income is less than 138 percent of poverty, about $15,500. Immigrants must be here legally, but they do not need to have a green card.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>We have more detail in our popular \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Obamacare Guide\u003c/a>. Click on the \"I am an immigrant\" section.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Week 1 for Covered California: 16,000 Applications Complete",
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"content": "\u003cfigure id=\"attachment_15322\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/P_Lee-e1380655682194.jpg\">\u003cimg class=\"size-large wp-image-15322\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/P_Lee-640x425.jpg\" alt=\"Covered California executive director Peter Lee speaking to advocates and reporters in San Francisco on Oct. 1. (Angela Hart/KQED)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Covered California executive director Peter Lee speaking to advocates and reporters in San Francisco on Oct. 1. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Officials with Covered California, the state's health insurance marketplace, announced their first week's results Tuesday morning, and they were pretty happy about the numbers:\u003c/p>\n\u003cul>\n\u003cli>987,440 unique visitors\u003c/li>\n\u003cli>16,311 applications completed\u003c/li>\n\u003cli>27,305 applications partially completed\u003c/li>\n\u003c/ul>\n\u003cp>\"These are big numbers and they're proof of the pent-up demand for coverage that is here in California and also across the nation,\" said Peter Lee, executive director of Covered California.\u003c/p>\n\u003cp>The three call centers around the state handled 59,003 calls. Lee pointed out that long wait times were cut to less than 4 minutes by last Friday.\u003c/p>\n\u003cp>At a meeting of health advocates in downtown Oakland, Ellen Wu, executive director of the California Pan-Ethnic Health Network let out what can only be termed a squeal of delight when she announced the numbers at the event.\u003c!--more-->\u003c/p>\n\u003cp>\"They sound great, don't they?\" Wu said. \"It's very exciting, ... shows that it's working.\" Wu also joked that advocates had been afraid to visit the Covered California website during its first few days, out of fear of making it crash. \"None of us wanted to be the one to bring it down,\" she said.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The Covered California statistics cover Oct. 1-5, Monday to Saturday of last week. If you're wondering what a \"partially completed\" application means, think of logging on, creating an account, starting the enrollment process, then logging off to complete the task later.\u003c/p>\n\u003cp>Many Californians have been very excited about their new options, including \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/enrolling-in-covered-california-experience-from-one-san-franciscan-san-francisco-obamacare/\" target=\"_blank\">Paul Cello\u003c/a> of San Francisco, who signed up for a Blue Shield PPO last week. \"It's a whole 'nother world,\" he said.\u003c/p>\n\u003cp>An application may cover more than one person, such as a spouse or children. Covered California says the completed applications include 28,699 individuals. Formal enrollment numbers will not be released until mid-November when people can actually begin paying their premiums.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Covered California had not released projections for the first week of sign ups, so it's hard to put Tuesday's numbers in perspective. Still, the Associated Press reported a comparison to numbers from another state:\u003c/p>\n\u003cblockquote>\u003cp>... 15,000 applications were completed by Monday in Kentucky, a state with a population that is less than 12 percent of California's. Almost half of those applicants went on to buy an insurance plan, according to the Kentucky governor's office.\u003c/p>\u003c/blockquote>\n\u003cdiv>On Tuesday, Covered California also added a provider directory to its website, so that consumers can see if their doctor is in a health plan. This is a critical issue as many Covered California insurance plans have \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/05/29/why-californias-obamacare-premiums-are-lower-than-expected/\" target=\"_blank\">narrow networks of providers\u003c/a>.\u003c/div>\n\n",
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"excerpt": "Officials with Covered California, the state's health insurance marketplace, announced their first week's results Tuesday morning, and they were pretty happy about the numbers: 987,440 unique visitors, 16,311 applications completed, 27,305 applications partially completed.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15322\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/P_Lee-e1380655682194.jpg\">\u003cimg class=\"size-large wp-image-15322\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/P_Lee-640x425.jpg\" alt=\"Covered California executive director Peter Lee speaking to advocates and reporters in San Francisco on Oct. 1. (Angela Hart/KQED)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Covered California executive director Peter Lee speaking to advocates and reporters in San Francisco on Oct. 1. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>Officials with Covered California, the state's health insurance marketplace, announced their first week's results Tuesday morning, and they were pretty happy about the numbers:\u003c/p>\n\u003cul>\n\u003cli>987,440 unique visitors\u003c/li>\n\u003cli>16,311 applications completed\u003c/li>\n\u003cli>27,305 applications partially completed\u003c/li>\n\u003c/ul>\n\u003cp>\"These are big numbers and they're proof of the pent-up demand for coverage that is here in California and also across the nation,\" said Peter Lee, executive director of Covered California.\u003c/p>\n\u003cp>The three call centers around the state handled 59,003 calls. Lee pointed out that long wait times were cut to less than 4 minutes by last Friday.\u003c/p>\n\u003cp>At a meeting of health advocates in downtown Oakland, Ellen Wu, executive director of the California Pan-Ethnic Health Network let out what can only be termed a squeal of delight when she announced the numbers at the event.\u003c!--more-->\u003c/p>\n\u003cp>\"They sound great, don't they?\" Wu said. \"It's very exciting, ... shows that it's working.\" Wu also joked that advocates had been afraid to visit the Covered California website during its first few days, out of fear of making it crash. \"None of us wanted to be the one to bring it down,\" she said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The Covered California statistics cover Oct. 1-5, Monday to Saturday of last week. If you're wondering what a \"partially completed\" application means, think of logging on, creating an account, starting the enrollment process, then logging off to complete the task later.\u003c/p>\n\u003cp>Many Californians have been very excited about their new options, including \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/enrolling-in-covered-california-experience-from-one-san-franciscan-san-francisco-obamacare/\" target=\"_blank\">Paul Cello\u003c/a> of San Francisco, who signed up for a Blue Shield PPO last week. \"It's a whole 'nother world,\" he said.\u003c/p>\n\u003cp>An application may cover more than one person, such as a spouse or children. Covered California says the completed applications include 28,699 individuals. Formal enrollment numbers will not be released until mid-November when people can actually begin paying their premiums.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Covered California had not released projections for the first week of sign ups, so it's hard to put Tuesday's numbers in perspective. Still, the Associated Press reported a comparison to numbers from another state:\u003c/p>\n\u003cblockquote>\u003cp>... 15,000 applications were completed by Monday in Kentucky, a state with a population that is less than 12 percent of California's. Almost half of those applicants went on to buy an insurance plan, according to the Kentucky governor's office.\u003c/p>\u003c/blockquote>\n\u003cdiv>On Tuesday, Covered California also added a provider directory to its website, so that consumers can see if their doctor is in a health plan. This is a critical issue as many Covered California insurance plans have \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/05/29/why-californias-obamacare-premiums-are-lower-than-expected/\" target=\"_blank\">narrow networks of providers\u003c/a>.\u003c/div>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "How 'Healthy San Francisco' Matters – and Doesn’t – in Obamacare",
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"content": "\u003cfigure id=\"attachment_15548\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/MNHC.jpg\">\u003cimg class=\"size-large wp-image-15548\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/MNHC-640x425.jpg\" alt=\"Fernando Gomez-Benitez, with San Francisco's Mission Neighborhood Health Center is undergoing training to help enroll San Franciscans in Medi-Cal or Covered California. (Angela Hart/KQED)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Fernando Gomez-Benitez, deputy director of San Francisco's Mission Neighborhood Health Center, is being trained to help enroll San Franciscans in Medi-Cal or Covered California. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Angela Hart\u003c/strong>\u003c/p>\n\u003cp>Government shutdown temporarily aside, effective Jan. 1, 2014, most people need to carry health insurance or pay a fine. It's called the \"\u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/09/03/obamacare-faq-how-will-the-individual-mandate-work/\" target=\"_blank\">individual mandate\u003c/a>.\"\u003c/p>\n\u003cp>If you're signed up with\u003ca href=\"http://healthysanfrancisco.org\" target=\"_blank\"> Healthy San Francisco\u003c/a>, there's one very important thing you need to know: Healthy San Francisco is not health insurance. So, it's not going to get you off the hook for that individual mandate.\u003c/p>\n\u003cp>A little background: In 2007, San Francisco leaders spearheaded the implementation of universal health care for the city's estimated 82,000 people who lack health insurance. The idea was to give people access to a range of medical services, including primary care. Participants choose a provider, or \"medical home,\" from a list exclusively in San Francisco. In the years since, 60,000 people have enrolled.\u003c/p>\n\u003cp>\"We are a leader in delivering health care,\" said Barbara Garcia, the director of health for the San Francisco Department of Public Health. \"We created Healthy San Francisco to provide care for everyone regardless of their immigration status, their income level, or their health issues.\"\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Yet, perhaps the biggest difference between Healthy San Francisco and true health insurance coverage is this: If you get any medical care outside the city's boundaries, you are not covered. Break your leg in Oakland and get treated at Highland Hospital? You're on the hook for the bill.\u003c/p>\n\u003cp>That's a primary reason Garcia and others are aggressively moving Healthy San Francisco participants in a new direction: enrolling them in health insurance. Garcia also points out that federal law requires San Francisco health officials to move patients to other forms of coverage if they are eligible.\u003c/p>\n\u003cp>\"Insurance is better than Healthy San Francisco,\" she said. \"It's portable, and it's more comprehensive care.\"\u003c/p>\n\u003cp>On Jan. 1, most of the 60,000 people currently participating in Healthy San Francisco will become eligible for the Medi-Cal expansion or may qualify for subsidies to purchase insurance on the Covered California marketplace. Right now, for example, childless adults are generally not eligible for Medi-Cal, no matter how low their income is. Under the Medi-Cal expansion, anyone earning less than 138 percent of poverty (about $15,500 for an individual) is eligible. Individuals earning from $15,500 to $46,000 are eligible for subsidies under Covered California.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: Learn more in our guide: \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Obamacare Explained -- Just for Californians\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>While Garcia said it's important to enroll as many residents as possible, transferring thousands of people from Healthy San Francisco to Medi-Cal or Covered California won't happen overnight.\u003c/p>\n\u003cp>Still, because of Healthy San Francisco, the city is ahead of most of the state in moving its uninsured population into Medi-Cal or Covered California.\u003c/p>\n\u003cp>\"We know who and where our uninsured are,\" Garcia said. \"We can send them a letter, we can call them on the phone, we can even text message them. We can get in touch with them to tell them of the changes that are coming with health reform and help them enroll into insurance.\"\u003c/p>\n\u003cp>\u003cstrong>Challenge in staffing to help people enroll\u003c/strong>\u003c/p>\n\u003cp>Reaching those people where they live, work, or access care will be challenging, said John Gressman, who heads up the San Francisco Community Clinic Consortium. The consortium is a network of 13 safety-net clinics — which accounts for roughly half of the city's clinics that provide indigent care.\u003c/p>\n\u003cp>\"Community clinics in San Francisco are really ready to embrace the new enrollments,\" Gressman said. \"But one of our primary concerns is that we're going to have a backlog of people wanting to enroll in coverage, and we're not going to have the staffing to do it. We are trying to educate people so they don't become frustrated and angry, and think that it's not working.\"\u003c/p>\n\u003cp>Meanwhile, officials say Healthy San Francisco is essential to fill in the gaps of Obamacare.\u003c/p>\n\u003cp>\u003cstrong>\"\u003c/strong>One of my main concerns is the undocumented,\" Gressman said. Undocumented immigrants are explicitly denied benefits under the health law. \"That is a large portion of who will remain uninsured, but there are so many others who can't manage the system. There are people with mental illnesses, people who are homeless.\"\u003c/p>\n\u003cp>Garcia says as many as 20,000 people may be left using Healthy San Francisco, since they won't qualify for the Affordable Care Act.\u003c/p>\n\u003cp>\"We've made a commitment as a sanctuary city to care for all people who live here, even if they have not become residents yet,\" said Garcia.\u003c/p>\n\u003cp>\u003cstrong>Clinics will benefit under Medi-Cal expansion\u003c/strong>\u003c/p>\n\u003cp>As more and more people enroll in Medi-Cal and the exchange, clinics will see new revenue streams from Medi-Cal reimbursement rates and new income sources from the newly insured seeking care. That will help the bottom line for many clinics struggling to keep their doors open, and allow them to continue to provide care for those left out of health care reform, said Fernando Gomez-Benitez, deputy director of Mission Neighborhood Health Center. The center serves about 9,000 people — 98 percent of whom are uninsured.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>We \"see this as an opportunity to reach more people. That can strengthen the clinic's mission to serve an indigent population,\" Gomez-Benitez said.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15548\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/MNHC.jpg\">\u003cimg class=\"size-large wp-image-15548\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/MNHC-640x425.jpg\" alt=\"Fernando Gomez-Benitez, with San Francisco's Mission Neighborhood Health Center is undergoing training to help enroll San Franciscans in Medi-Cal or Covered California. (Angela Hart/KQED)\" width=\"640\" height=\"425\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Fernando Gomez-Benitez, deputy director of San Francisco's Mission Neighborhood Health Center, is being trained to help enroll San Franciscans in Medi-Cal or Covered California. (Angela Hart/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Angela Hart\u003c/strong>\u003c/p>\n\u003cp>Government shutdown temporarily aside, effective Jan. 1, 2014, most people need to carry health insurance or pay a fine. It's called the \"\u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/09/03/obamacare-faq-how-will-the-individual-mandate-work/\" target=\"_blank\">individual mandate\u003c/a>.\"\u003c/p>\n\u003cp>If you're signed up with\u003ca href=\"http://healthysanfrancisco.org\" target=\"_blank\"> Healthy San Francisco\u003c/a>, there's one very important thing you need to know: Healthy San Francisco is not health insurance. So, it's not going to get you off the hook for that individual mandate.\u003c/p>\n\u003cp>A little background: In 2007, San Francisco leaders spearheaded the implementation of universal health care for the city's estimated 82,000 people who lack health insurance. The idea was to give people access to a range of medical services, including primary care. Participants choose a provider, or \"medical home,\" from a list exclusively in San Francisco. In the years since, 60,000 people have enrolled.\u003c/p>\n\u003cp>\"We are a leader in delivering health care,\" said Barbara Garcia, the director of health for the San Francisco Department of Public Health. \"We created Healthy San Francisco to provide care for everyone regardless of their immigration status, their income level, or their health issues.\"\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Yet, perhaps the biggest difference between Healthy San Francisco and true health insurance coverage is this: If you get any medical care outside the city's boundaries, you are not covered. Break your leg in Oakland and get treated at Highland Hospital? You're on the hook for the bill.\u003c/p>\n\u003cp>That's a primary reason Garcia and others are aggressively moving Healthy San Francisco participants in a new direction: enrolling them in health insurance. Garcia also points out that federal law requires San Francisco health officials to move patients to other forms of coverage if they are eligible.\u003c/p>\n\u003cp>\"Insurance is better than Healthy San Francisco,\" she said. \"It's portable, and it's more comprehensive care.\"\u003c/p>\n\u003cp>On Jan. 1, most of the 60,000 people currently participating in Healthy San Francisco will become eligible for the Medi-Cal expansion or may qualify for subsidies to purchase insurance on the Covered California marketplace. Right now, for example, childless adults are generally not eligible for Medi-Cal, no matter how low their income is. Under the Medi-Cal expansion, anyone earning less than 138 percent of poverty (about $15,500 for an individual) is eligible. Individuals earning from $15,500 to $46,000 are eligible for subsidies under Covered California.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: Learn more in our guide: \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">Obamacare Explained -- Just for Californians\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>While Garcia said it's important to enroll as many residents as possible, transferring thousands of people from Healthy San Francisco to Medi-Cal or Covered California won't happen overnight.\u003c/p>\n\u003cp>Still, because of Healthy San Francisco, the city is ahead of most of the state in moving its uninsured population into Medi-Cal or Covered California.\u003c/p>\n\u003cp>\"We know who and where our uninsured are,\" Garcia said. \"We can send them a letter, we can call them on the phone, we can even text message them. We can get in touch with them to tell them of the changes that are coming with health reform and help them enroll into insurance.\"\u003c/p>\n\u003cp>\u003cstrong>Challenge in staffing to help people enroll\u003c/strong>\u003c/p>\n\u003cp>Reaching those people where they live, work, or access care will be challenging, said John Gressman, who heads up the San Francisco Community Clinic Consortium. The consortium is a network of 13 safety-net clinics — which accounts for roughly half of the city's clinics that provide indigent care.\u003c/p>\n\u003cp>\"Community clinics in San Francisco are really ready to embrace the new enrollments,\" Gressman said. \"But one of our primary concerns is that we're going to have a backlog of people wanting to enroll in coverage, and we're not going to have the staffing to do it. We are trying to educate people so they don't become frustrated and angry, and think that it's not working.\"\u003c/p>\n\u003cp>Meanwhile, officials say Healthy San Francisco is essential to fill in the gaps of Obamacare.\u003c/p>\n\u003cp>\u003cstrong>\"\u003c/strong>One of my main concerns is the undocumented,\" Gressman said. Undocumented immigrants are explicitly denied benefits under the health law. \"That is a large portion of who will remain uninsured, but there are so many others who can't manage the system. There are people with mental illnesses, people who are homeless.\"\u003c/p>\n\u003cp>Garcia says as many as 20,000 people may be left using Healthy San Francisco, since they won't qualify for the Affordable Care Act.\u003c/p>\n\u003cp>\"We've made a commitment as a sanctuary city to care for all people who live here, even if they have not become residents yet,\" said Garcia.\u003c/p>\n\u003cp>\u003cstrong>Clinics will benefit under Medi-Cal expansion\u003c/strong>\u003c/p>\n\u003cp>As more and more people enroll in Medi-Cal and the exchange, clinics will see new revenue streams from Medi-Cal reimbursement rates and new income sources from the newly insured seeking care. That will help the bottom line for many clinics struggling to keep their doors open, and allow them to continue to provide care for those left out of health care reform, said Fernando Gomez-Benitez, deputy director of Mission Neighborhood Health Center. The center serves about 9,000 people — 98 percent of whom are uninsured.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>We \"see this as an opportunity to reach more people. That can strengthen the clinic's mission to serve an indigent population,\" Gomez-Benitez said.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Newly Enrolled in Covered California — One San Franciscan's Story",
"title": "Newly Enrolled in Covered California — One San Franciscan's Story",
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"content": "\u003cfigure id=\"attachment_15508\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Screenshot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>Covered California will not be releasing any enrollment figures until mid-November, but San Franciscan Paul Cello says he's already in — and reports his new insurance will have better benefits, at lower monthly cost than the plan he's on now.\u003c/p>\n\u003cp>Cello originally hails from Florida and says he has friends there who are not fans of the Affordable Care Act. So he didn't delay.\u003c/p>\n\u003cp>\"I really wanted to be one of those people who got in line and said, 'Look, this is a good thing,'\" he said, \"so I could really see what are the plans and how much do they cost.\"\u003c/p>\n\u003cp>He enrolled in a Blue Shield PPO plan with a $1,500 deductible and maximum out-of-pocket costs of $5,000. Because he qualifies for a subsidy, he'll pay $178 a month, shaving more than $300 a month off what he pays now.\u003c/p>\n\u003cp>\"It's like a whole 'nother world,\" he enthused. \"The coverage is better ... a lower premium, no pre-existing condition exclusions, I get mental health coverage, so there's way more coverage than I had and I'm going to be saving.\"\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Cello had employer-based insurance until 2003 when he left his job, then continued insurance with COBRA. But once that ran out, he was denied coverage on the individual market due to a heart defect he was born with — what he termed a \"wiring problem\" in his heart. He says the issue has never troubled him (although he might one day need a pacemaker), and that his health is good.\u003c/p>\n\u003cp>It showed up in a routine EKG, he said. \"Once it's on your record, (insurers) can deny you.\"\u003c/p>\n\u003cp>He finally found insurance on the state's \u003ca href=\"http://www.mrmib.ca.gov/mrmib/mrmip.shtml\" target=\"_blank\">high risk insurance plan\u003c/a>. But benefits were limited and the chief drawback was the annual max — $75,000. It's easy to imagine that a car accident or cancer diagnosis would send someone over the top pretty quickly.\u003c/p>\n\u003cp>\"It always felt like if anything big happened, I was going to be in trouble,\" he said.\u003c/p>\n\u003cp>Cello described himself as a freelancer — he's both a theater director and has his own consulting business. \"My income really fluctuates,\" he said. In the last few years, he says it's been around $50,000 a year.\u003c/p>\n\u003cp>But that's his gross income. Under the Affordable Care Act, subsidies are available for individuals with \u003ca href=\"http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/1601/~/calculation-of-modified-adjusted-gross-income-(magi)\" target=\"_blank\">modified adjusted gross income\u003c/a> up to $46,000, meaning people can subtract unreimbursed business expenses from their gross income. Those deductions brought Cello's income down enough to earn him the subsidy.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: Learn more about the ACA in\u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\"> KQED's guide: Obamacare Explained\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>As far as the sign-up process itself, Cello didn't find it too painful, although he did give up on the first day. By Wednesday, he says, traffic had \"calmed down.\"\u003c/p>\n\u003cp>He found the process of creating an account and entering income \"pretty straightforward,\" but when it got to actually picking a plan, \"you really have to do your homework,\" he said. He says he used charts on Covered California to compare plans, something that was already familiar to him.\u003c/p>\n\u003cp>\"It could be a little overwhelming for people who have not signed up for insurance\" in the past, he said.\u003c/p>\n\u003cp>Cello says he's had to make all kinds of choices because his insurance has been such a big expense — \"things like, not being able to put money away for savings,\" he said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I have been waiting very impatiently for Jan. 1, 2014.\"\u003c/p>\n\n",
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"excerpt": "Covered California will not be releasing any enrollment figures until mid-November, but San Franciscan Paul Cello says he's already in — and reports his new insurance will have better benefits, at lower monthly cost than the plan he's on now.\r\n\r\nCello originally hails from Florida and says he has friends there who are not fans of the Affordable Care Act. So he didn't delay.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15508\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003cimg class=\"size-full wp-image-15508\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/coveredca.jpg\" alt=\"Screenshot from CoveredCA.com, the website of Covered California.\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/coveredca-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Screenshot from CoveredCA.com, the website of Covered California.\u003c/figcaption>\u003c/figure>\n\u003cp>Covered California will not be releasing any enrollment figures until mid-November, but San Franciscan Paul Cello says he's already in — and reports his new insurance will have better benefits, at lower monthly cost than the plan he's on now.\u003c/p>\n\u003cp>Cello originally hails from Florida and says he has friends there who are not fans of the Affordable Care Act. So he didn't delay.\u003c/p>\n\u003cp>\"I really wanted to be one of those people who got in line and said, 'Look, this is a good thing,'\" he said, \"so I could really see what are the plans and how much do they cost.\"\u003c/p>\n\u003cp>He enrolled in a Blue Shield PPO plan with a $1,500 deductible and maximum out-of-pocket costs of $5,000. Because he qualifies for a subsidy, he'll pay $178 a month, shaving more than $300 a month off what he pays now.\u003c/p>\n\u003cp>\"It's like a whole 'nother world,\" he enthused. \"The coverage is better ... a lower premium, no pre-existing condition exclusions, I get mental health coverage, so there's way more coverage than I had and I'm going to be saving.\"\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Cello had employer-based insurance until 2003 when he left his job, then continued insurance with COBRA. But once that ran out, he was denied coverage on the individual market due to a heart defect he was born with — what he termed a \"wiring problem\" in his heart. He says the issue has never troubled him (although he might one day need a pacemaker), and that his health is good.\u003c/p>\n\u003cp>It showed up in a routine EKG, he said. \"Once it's on your record, (insurers) can deny you.\"\u003c/p>\n\u003cp>He finally found insurance on the state's \u003ca href=\"http://www.mrmib.ca.gov/mrmib/mrmip.shtml\" target=\"_blank\">high risk insurance plan\u003c/a>. But benefits were limited and the chief drawback was the annual max — $75,000. It's easy to imagine that a car accident or cancer diagnosis would send someone over the top pretty quickly.\u003c/p>\n\u003cp>\"It always felt like if anything big happened, I was going to be in trouble,\" he said.\u003c/p>\n\u003cp>Cello described himself as a freelancer — he's both a theater director and has his own consulting business. \"My income really fluctuates,\" he said. In the last few years, he says it's been around $50,000 a year.\u003c/p>\n\u003cp>But that's his gross income. Under the Affordable Care Act, subsidies are available for individuals with \u003ca href=\"http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/1601/~/calculation-of-modified-adjusted-gross-income-(magi)\" target=\"_blank\">modified adjusted gross income\u003c/a> up to $46,000, meaning people can subtract unreimbursed business expenses from their gross income. Those deductions brought Cello's income down enough to earn him the subsidy.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: Learn more about the ACA in\u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\"> KQED's guide: Obamacare Explained\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>As far as the sign-up process itself, Cello didn't find it too painful, although he did give up on the first day. By Wednesday, he says, traffic had \"calmed down.\"\u003c/p>\n\u003cp>He found the process of creating an account and entering income \"pretty straightforward,\" but when it got to actually picking a plan, \"you really have to do your homework,\" he said. He says he used charts on Covered California to compare plans, something that was already familiar to him.\u003c/p>\n\u003cp>\"It could be a little overwhelming for people who have not signed up for insurance\" in the past, he said.\u003c/p>\n\u003cp>Cello says he's had to make all kinds of choices because his insurance has been such a big expense — \"things like, not being able to put money away for savings,\" he said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I have been waiting very impatiently for Jan. 1, 2014.\"\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Obamacare Downside: Reports of Premiums Going Up",
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"content": "\u003cfigure id=\"attachment_15499\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/luke-SOH-sized1.jpg\">\u003cimg class=\"size-full wp-image-15499\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/luke-SOH-sized1.jpg\" alt=\"luke-SOH-sized\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Luke Donavan reviews information from Kaiser, detailing how his health insurance coverage will change on Jan. 1. His family's premiums are going up. (Lisa Aliferis/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>The notice from Kaiser came in the mail about ten days ago.\u003c/p>\n\u003cp>Luke Donavan's health insurance premiums were going up. A lot.\u003c/p>\n\u003cp>Donavan, 41 of San Francisco, is self-employed and buys his own health insurance. Currently he pays $841 per month for insurance for himself, his wife and three young children. But, Kaiser is canceling that policy and offering him a new one that fully complies with the Affordable Care Act. Effective Jan. 1, his family's premium is going up to $1,000, with a higher deductible.\u003c/p>\n\u003cp>Donavan says he voted for Obama in both elections and calls himself a \"big proponent\" of the health law. He has a pretty calm demeanor and says he was \"surprised\" by this news from Kaiser.\u003c/p>\n\u003cp>\"I just keep coming back to the name 'Affordable Care Act,'\" he said. \"I thought I'd pay the same or less for better coverage.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Subsidies are available for people to buy insurance, but they are dependent on income. Donavan says he earns too much to qualify.\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>Indeed, nationally, \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">a recent study\u003c/a> from the non-partisan Kaiser Family Foundation (not affiliated with Kaiser Permanente) found that just over half of people currently buying insurance on the individual market will see their premiums go down.\u003c/p>\n\u003cp>Larry Levitt, senior vice president with the foundation, says that Donavan's situation \"encapsulates the diversity of experiences\" that people are likely to have with Obamacare.\u003c/p>\n\u003cp>Some people may pay higher premiums, he said, \"and the reason those premiums are going up is because people with pre-existing conditions will now be able to get insurance, and those people often have very high medical bills. That money has to come from somewhere.\"\u003c/p>\n\u003cp>Meanwhile, Kaiser Permanente said in a statement that any individual's premiums depends on the coverage they currently have:\u003c/p>\n\u003cblockquote>\u003cp>Some provisions of the Affordable Care Act may contribute to premium increases, while others may contribute to reductions in premiums for the coverage that will be available starting in 2014. ...\u003c/p>\n\u003cp>The law mandates more comprehensive coverage starting in 2014. This means more services will be covered by insurance. ... As a result of these improvements, the cost of coverage – in the form of the monthly premium – will increase for some members, simply to pay for the expanded coverage.\u003c/p>\n\u003cp>It’s important to note that individuals with some of the more expensive coverage plans – high-benefit plans, and others such as COBRA continuation plans – may see lower premiums next year.\u003c/p>\u003c/blockquote>\n\u003cp>But all this background is little comfort for Donavan. He acknowledges that his out-of-pocket maximum is less, and his new policy \"definitely protects from catastrophic bankruptcy situations, but most people, the first thing you think about is what's my monthly and what's my deductible.\" Those are both more expensive under his new policy.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This post has been updated to clarify that Donavan buys his own insurance and that he received notice his policy was canceled. \u003c/em>\u003c/p>\n\n",
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"excerpt": "The notice from Kaiser came in the mail about ten days ago.\r\n\r\nLuke Donavan's health insurance premiums were going up. A lot.\r\n\r\nDonavan, 41, of San Francisco, currently pays $841 per month for health insurance for himself, his wife and three young children. Effective Jan. 1, that's going up to $1,000, with a higher deductible.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15499\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/luke-SOH-sized1.jpg\">\u003cimg class=\"size-full wp-image-15499\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/luke-SOH-sized1.jpg\" alt=\"luke-SOH-sized\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2013/10/luke-SOH-sized1-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Luke Donavan reviews information from Kaiser, detailing how his health insurance coverage will change on Jan. 1. His family's premiums are going up. (Lisa Aliferis/KQED)\u003c/figcaption>\u003c/figure>\n\u003cp>The notice from Kaiser came in the mail about ten days ago.\u003c/p>\n\u003cp>Luke Donavan's health insurance premiums were going up. A lot.\u003c/p>\n\u003cp>Donavan, 41 of San Francisco, is self-employed and buys his own health insurance. Currently he pays $841 per month for insurance for himself, his wife and three young children. But, Kaiser is canceling that policy and offering him a new one that fully complies with the Affordable Care Act. Effective Jan. 1, his family's premium is going up to $1,000, with a higher deductible.\u003c/p>\n\u003cp>Donavan says he voted for Obama in both elections and calls himself a \"big proponent\" of the health law. He has a pretty calm demeanor and says he was \"surprised\" by this news from Kaiser.\u003c/p>\n\u003cp>\"I just keep coming back to the name 'Affordable Care Act,'\" he said. \"I thought I'd pay the same or less for better coverage.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Subsidies are available for people to buy insurance, but they are dependent on income. Donavan says he earns too much to qualify.\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>Indeed, nationally, \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">a recent study\u003c/a> from the non-partisan Kaiser Family Foundation (not affiliated with Kaiser Permanente) found that just over half of people currently buying insurance on the individual market will see their premiums go down.\u003c/p>\n\u003cp>Larry Levitt, senior vice president with the foundation, says that Donavan's situation \"encapsulates the diversity of experiences\" that people are likely to have with Obamacare.\u003c/p>\n\u003cp>Some people may pay higher premiums, he said, \"and the reason those premiums are going up is because people with pre-existing conditions will now be able to get insurance, and those people often have very high medical bills. That money has to come from somewhere.\"\u003c/p>\n\u003cp>Meanwhile, Kaiser Permanente said in a statement that any individual's premiums depends on the coverage they currently have:\u003c/p>\n\u003cblockquote>\u003cp>Some provisions of the Affordable Care Act may contribute to premium increases, while others may contribute to reductions in premiums for the coverage that will be available starting in 2014. ...\u003c/p>\n\u003cp>The law mandates more comprehensive coverage starting in 2014. This means more services will be covered by insurance. ... As a result of these improvements, the cost of coverage – in the form of the monthly premium – will increase for some members, simply to pay for the expanded coverage.\u003c/p>\n\u003cp>It’s important to note that individuals with some of the more expensive coverage plans – high-benefit plans, and others such as COBRA continuation plans – may see lower premiums next year.\u003c/p>\u003c/blockquote>\n\u003cp>But all this background is little comfort for Donavan. He acknowledges that his out-of-pocket maximum is less, and his new policy \"definitely protects from catastrophic bankruptcy situations, but most people, the first thing you think about is what's my monthly and what's my deductible.\" Those are both more expensive under his new policy.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This post has been updated to clarify that Donavan buys his own insurance and that he received notice his policy was canceled. \u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "For This Uninsured Man, Medicaid Looks Good",
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"content": "\u003cfigure id=\"attachment_15476\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"size-large wp-image-15476\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/BradStevens-copy-640x482.jpg\" alt=\"Brad Stevens used to think he didn’t need health insurance. (Sarah Varney/Kaiser Health News)\" width=\"640\" height=\"482\">\u003cfigcaption class=\"wp-caption-text\">Brad Stevens used to think he didn’t need health insurance. (Sarah Varney/Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Sarah Varney, for\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/03/Profile-of-A-Not-So-Young-Invincible.aspx\" target=\"_blank\"> Kaiser Health News\u003c/a> and \u003ca href=\"http://www.npr.org/blogs/health/2013/10/03/228515204/medicaid-looks-good-to-a-former-young-invincible\" target=\"_blank\">NPR\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Have you heard about the young invincibles? That's the name given to \u003ca href=\"http://www.scpr.org/news/2013/09/27/39510/young-invincibles-a-key-to-success-of-obamacare/\" target=\"_blank\">young people who think nothing bad can happen\u003c/a> to them.\u003c/p>\n\u003cp>Enrollment of healthy people like them in insurance under the Affordable Care Act is key to offsetting the costs of older, less healthy buyers.\u003c/p>\n\u003cp>Brad Stevens is 54-years-old and not so invincible anymore. He has been uninsured for most of his adult life — \"ever since about 24 when I finished college,\" he says. \"Basically, I've always tried to take care of myself and be healthy and exercise and eat right and take vitamins and that type of thing.\"\u003c/p>\n\u003cp>During the three decades Stevens has spent without health coverage, there have been numerous attempts to curb the ranks of the uninsured in the U.S. Now, the Affordable Care Act is changing the nation's insurance market.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Stevens, who lives in Lakeport, on the west shore of northern California's Clear Lake, has plenty of company. Twenty percent of California's population is uninsured; some 5 million people could gain coverage under the health law.\u003c/p>\n\u003cp>The\u003ca href=\"http://www.kff.org/health-reform/report/californias-uninsured-on-the-eve-of-aca-open-enrollment/\" target=\"_blank\"> Kaiser Family Foundation surveyed 2,000 of California's uninsured\u003c/a> on the eve of the opening of health care exchanges across the country. Stevens took part in the survey, which aims to follow the same people over the next two years. (Kaiser Health News is an editorially independent program of the Kaiser Family Foundation.)\u003c/p>\n\u003cp>Over the years, Stevens wasn't interested in the debate over how best to provide health care to the uninsured. He didn't view it as an issue for him. \"I'm the epitome of health, and so I didn't have much concern. My health care was working out every day, eating right and taking care of myself,\" he says.\u003c!--more-->\u003c/p>\n\u003cp>But that began to change. One day eight years ago, while cycling on a country road in Lakeport, Stevens took a spill and separated his shoulder.\u003c/p>\n\u003cp>By then he had worked in a number of jobs, usually working with his hands. He'd been a building contractor, manager of a fruit warehouse and lately, a massage therapist. In pain for six months and with only $2,000 to his name, Stevens got medical help from the county.\u003c/p>\n\u003cp>That wasn't the end of his health troubles. One day, he says, \"Boom! I ended up with cancer, thyroid cancer.\"\u003c/p>\n\u003cp>Because of the health care law, Stevens will qualify for Medi-Cal, California's version of Medicaid, the federal program for low-income families and individuals. Before the health law, Medi-Cal was available only to children, pregnant women and the disabled. Now all low-income people in states that are expanding Medicaid will qualify. Stevens earns less than $15,000 a year in his struggling massage business.\u003c/p>\n\u003cp>Stevens says he is relieved that he won't have to worry about being denied coverage for \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/01/preexisting-condition-consumers-insurance-obamacare-marketplaces.aspx?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+khn%2Fstories+%28Kaiser+Health+News+-+Stories%29\">pre-existing conditions\u003c/a>, another change made by the law.\u003c/p>\n\u003cp>Besides his separated shoulder and thyroid cancer, which is being controlled with medicine, there's a history of multiple sclerosis in his family. In the past, he avoided getting tested for the disease out of fear that the results would make it impossible to qualify for insurance.\u003c/p>\n\u003cp>Stevens says he worries about his massage patients. \"People are hurting, and they need help,\" he says. \"I don't think Congress has a clue. Fifty-five-year-old people are falling apart. They can't swing a hammer 'til they're 70 or 80, like some congressman who sits at a desk and jaws.\"\u003c/p>\n\u003cp>In the past, Stevens occasionally went to the county fairgrounds when a volunteer group offered free medical checkups. Now he's anxious to sign up for Medi-Cal, although he hopes he won't have any more health problems.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I hope I don't need to use it,\" he says. \"I'm thinking I'm going to get ... peace of mind from it.\"\u003c/p>\n\n",
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"excerpt": "Have you heard about the young invincibles? That's the name given to young people who think nothing bad can happen to them.\r\n\r\nEnrollment of healthy people like them in insurance under the Affordable Care Act is key to offsetting the costs of older, less healthy buyers.\r\n\r\nBrad Stevens is 54-years-old and not so invincible anymore.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_15476\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"size-large wp-image-15476\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/BradStevens-copy-640x482.jpg\" alt=\"Brad Stevens used to think he didn’t need health insurance. (Sarah Varney/Kaiser Health News)\" width=\"640\" height=\"482\">\u003cfigcaption class=\"wp-caption-text\">Brad Stevens used to think he didn’t need health insurance. (Sarah Varney/Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Sarah Varney, for\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/03/Profile-of-A-Not-So-Young-Invincible.aspx\" target=\"_blank\"> Kaiser Health News\u003c/a> and \u003ca href=\"http://www.npr.org/blogs/health/2013/10/03/228515204/medicaid-looks-good-to-a-former-young-invincible\" target=\"_blank\">NPR\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Have you heard about the young invincibles? That's the name given to \u003ca href=\"http://www.scpr.org/news/2013/09/27/39510/young-invincibles-a-key-to-success-of-obamacare/\" target=\"_blank\">young people who think nothing bad can happen\u003c/a> to them.\u003c/p>\n\u003cp>Enrollment of healthy people like them in insurance under the Affordable Care Act is key to offsetting the costs of older, less healthy buyers.\u003c/p>\n\u003cp>Brad Stevens is 54-years-old and not so invincible anymore. He has been uninsured for most of his adult life — \"ever since about 24 when I finished college,\" he says. \"Basically, I've always tried to take care of myself and be healthy and exercise and eat right and take vitamins and that type of thing.\"\u003c/p>\n\u003cp>During the three decades Stevens has spent without health coverage, there have been numerous attempts to curb the ranks of the uninsured in the U.S. Now, the Affordable Care Act is changing the nation's insurance market.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Stevens, who lives in Lakeport, on the west shore of northern California's Clear Lake, has plenty of company. Twenty percent of California's population is uninsured; some 5 million people could gain coverage under the health law.\u003c/p>\n\u003cp>The\u003ca href=\"http://www.kff.org/health-reform/report/californias-uninsured-on-the-eve-of-aca-open-enrollment/\" target=\"_blank\"> Kaiser Family Foundation surveyed 2,000 of California's uninsured\u003c/a> on the eve of the opening of health care exchanges across the country. Stevens took part in the survey, which aims to follow the same people over the next two years. (Kaiser Health News is an editorially independent program of the Kaiser Family Foundation.)\u003c/p>\n\u003cp>Over the years, Stevens wasn't interested in the debate over how best to provide health care to the uninsured. He didn't view it as an issue for him. \"I'm the epitome of health, and so I didn't have much concern. My health care was working out every day, eating right and taking care of myself,\" he says.\u003c!--more-->\u003c/p>\n\u003cp>But that began to change. One day eight years ago, while cycling on a country road in Lakeport, Stevens took a spill and separated his shoulder.\u003c/p>\n\u003cp>By then he had worked in a number of jobs, usually working with his hands. He'd been a building contractor, manager of a fruit warehouse and lately, a massage therapist. In pain for six months and with only $2,000 to his name, Stevens got medical help from the county.\u003c/p>\n\u003cp>That wasn't the end of his health troubles. One day, he says, \"Boom! I ended up with cancer, thyroid cancer.\"\u003c/p>\n\u003cp>Because of the health care law, Stevens will qualify for Medi-Cal, California's version of Medicaid, the federal program for low-income families and individuals. Before the health law, Medi-Cal was available only to children, pregnant women and the disabled. Now all low-income people in states that are expanding Medicaid will qualify. Stevens earns less than $15,000 a year in his struggling massage business.\u003c/p>\n\u003cp>Stevens says he is relieved that he won't have to worry about being denied coverage for \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/October/01/preexisting-condition-consumers-insurance-obamacare-marketplaces.aspx?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+khn%2Fstories+%28Kaiser+Health+News+-+Stories%29\">pre-existing conditions\u003c/a>, another change made by the law.\u003c/p>\n\u003cp>Besides his separated shoulder and thyroid cancer, which is being controlled with medicine, there's a history of multiple sclerosis in his family. In the past, he avoided getting tested for the disease out of fear that the results would make it impossible to qualify for insurance.\u003c/p>\n\u003cp>Stevens says he worries about his massage patients. \"People are hurting, and they need help,\" he says. \"I don't think Congress has a clue. Fifty-five-year-old people are falling apart. They can't swing a hammer 'til they're 70 or 80, like some congressman who sits at a desk and jaws.\"\u003c/p>\n\u003cp>In the past, Stevens occasionally went to the county fairgrounds when a volunteer group offered free medical checkups. Now he's anxious to sign up for Medi-Cal, although he hopes he won't have any more health problems.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I hope I don't need to use it,\" he says. \"I'm thinking I'm going to get ... peace of mind from it.\"\u003c/p>\n\n\u003c/div>\u003c/p>",
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"info": "Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.",
"airtime": "FRI 4:30pm-5pm, 6:30pm-7pm, 11pm-11:30pm",
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"officialWebsiteLink": "/californiareportmagazine",
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"order": 10
},
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},
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"id": "city-arts",
"title": "City Arts & Lectures",
"info": "A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/05/cityartsandlecture-300x300.jpg",
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"airtime": "SUN 1pm-2pm, TUE 10pm, WED 1am",
"meta": {
"site": "news",
"source": "City Arts & Lectures"
},
"link": "https://www.cityarts.net",
"subscribe": {
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"rss": "https://www.cityarts.net/feed/"
}
},
"closealltabs": {
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"info": "Close All Tabs breaks down how digital culture shapes our world through thoughtful insights and irreverent humor.",
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"officialWebsiteLink": "/podcasts/closealltabs",
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"order": 1
},
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"title": "Code Switch / Life Kit",
"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"meta": {
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy",
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
"airtime": "THU 10pm, FRI 1am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg",
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"meta": {
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"source": "Commonwealth Club of California"
},
"link": "/radio/program/commonwealth-club",
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"google": "https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw",
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},
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"id": "forum",
"title": "Forum",
"tagline": "The conversation starts here",
"info": "KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.",
"airtime": "MON-FRI 9am-11am, 10pm-11pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED Forum with Mina Kim and Alexis Madrigal",
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"source": "kqed",
"order": 9
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz",
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"id": "freakonomics-radio",
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"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png",
"officialWebsiteLink": "http://freakonomics.com/",
"airtime": "SUN 1am-2am, SAT 3pm-4pm",
"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
"subscribe": {
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
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},
"fresh-air": {
"id": "fresh-air",
"title": "Fresh Air",
"info": "Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/381444908/podcast.xml"
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"info": "A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.",
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"rss": "https://feeds.npr.org/510051/podcast.xml"
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},
"hidden-brain": {
"id": "hidden-brain",
"title": "Hidden Brain",
"info": "Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.",
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"officialWebsiteLink": "https://www.npr.org/series/423302056/hidden-brain",
"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
},
"link": "/radio/program/hidden-brain",
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},
"how-i-built-this": {
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"title": "How I Built This with Guy Raz",
"info": "Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.",
"imageSrc": "https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png",
"officialWebsiteLink": "https://www.npr.org/podcasts/510313/how-i-built-this",
"airtime": "SUN 7:30pm-8pm",
"meta": {
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"source": "npr"
},
"link": "/radio/program/how-i-built-this",
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"npr": "https://rpb3r.app.goo.gl/3zxy",
"apple": "https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2",
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"hyphenacion": {
"id": "hyphenacion",
"title": "Hyphenación",
"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"officialWebsiteLink": "/podcasts/hyphenacion",
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"order": 15
},
"link": "/podcasts/hyphenacion",
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"spotify": "https://open.spotify.com/show/2p3Fifq96nw9BPcmFdIq0o?si=39209f7b25774f38",
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},
"jerrybrown": {
"id": "jerrybrown",
"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game – and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/podcasts/jerrybrown",
"meta": {
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"source": "kqed",
"order": 18
},
"link": "/podcasts/jerrybrown",
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}
},
"latino-usa": {
"id": "latino-usa",
"title": "Latino USA",
"airtime": "MON 1am-2am, SUN 6pm-7pm",
"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
"officialWebsiteLink": "http://latinousa.org/",
"meta": {
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},
"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
}
},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
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"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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"rss": "https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"
}
},
"masters-of-scale": {
"id": "masters-of-scale",
"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
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"officialWebsiteLink": "https://mastersofscale.com/",
"meta": {
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"source": "WaitWhat"
},
"link": "/radio/program/masters-of-scale",
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"apple": "http://mastersofscale.app.link/",
"rss": "https://rss.art19.com/masters-of-scale"
}
},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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}
},
"morning-edition": {
"id": "morning-edition",
"title": "Morning Edition",
"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
"airtime": "MON-FRI 3am-9am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.npr.org/programs/morning-edition/",
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"link": "/radio/program/morning-edition"
},
"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg",
"imageAlt": "On Our Watch from NPR and KQED",
"officialWebsiteLink": "/podcasts/onourwatch",
"meta": {
"site": "news",
"source": "kqed",
"order": 11
},
"link": "/podcasts/onourwatch",
"subscribe": {
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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}
},
"on-the-media": {
"id": "on-the-media",
"title": "On The Media",
"info": "Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us",
"airtime": "SUN 2pm-3pm, MON 12am-1am",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png",
"officialWebsiteLink": "https://www.wnycstudios.org/shows/otm",
"meta": {
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"source": "wnyc"
},
"link": "/radio/program/on-the-media",
"subscribe": {
"apple": "https://itunes.apple.com/us/podcast/on-the-media/id73330715?mt=2",
"tuneIn": "https://tunein.com/radio/On-the-Media-p69/",
"rss": "http://feeds.wnyc.org/onthemedia"
}
},
"pbs-newshour": {
"id": "pbs-newshour",
"title": "PBS NewsHour",
"info": "Analysis, background reports and updates from the PBS NewsHour putting today's news in context.",
"airtime": "MON-FRI 3pm-4pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.pbs.org/newshour/",
"meta": {
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"source": "pbs"
},
"link": "/radio/program/pbs-newshour",
"subscribe": {
"apple": "https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2",
"tuneIn": "https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/",
"rss": "https://www.pbs.org/newshour/feeds/rss/podcasts/show"
}
},
"perspectives": {
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