© 2018 by Adams Insurance Service, Inc.

January 23, 2017

It seems all but certain that Republicans will repeal as much of Obamacare as they can through the reconciliation process that only requires 51 votes in the Senate instead of the normal 60 votes required for cloture of any issue.  However, to take advantage of that pro...

July 29, 2016

The Section 1557 Non-discrimination regulations for the ACA were released in May, and the carriers are releasing their notices and interpretations of the regulations.  I guess this is one of those "hidden easter eggs" in Obamacare that no one discussed, voted on, or ev...

December 2, 2015

In the Pixar/Disney movie Finding Nemo, a major plot device is the extremely short-term memory of a fish named Dory (indeed, it looks like the sequel, Finding Dory will almost entirely revolve around this faspect of Dory's personality).  It is often hilarious that...

November 2, 2015

This WSJ editorial on The Slow Motion Implosion of Obamacare is worth your time. It details the practical realities of why enrollments have stalled and the ACA is not living up to its promises.  Surprise, surprise!.

Meanwhile, in the real world, we just marketed tw...

October 5, 2015

A small portion of the ACA was quietly repealed last week.  The provisions that require the definition of a "small group" under the ACA to expand to any group under 100 in 2016 were repealed.  The President has indicated thate he will sign the bill.   Accordingly, in T...

June 25, 2015

6-3 is not even close when it comes to the SCOTUS.  Both Justice Roberts and Justice Kennedy held that despite the language of the statute, subsidies are available through the federal exchange.  I am sure there will be plenty of analysis to go around.  The bottom line...

June 11, 2015

This month either Obamacare will be sustained once again by the Supreme Court of the United States or it will see a major setback.  Which one will it be?  Who knows?  We know the following and not much more: 1. 4 justices will uphold the law as written which will mean...

November 12, 2014

Jonathan Gruber is an interesting case.  He is an MIT professor that was one of the chief architects for Romneycare in Massachusetts and Obamacare.  He gained some notoriety this past Summer when the Halbig case was decided.  That is the case that considered whether th...

November 11, 2014

Last week, the IRS released Notice 2014-69.  The notice states that plans that do not provide in-patient hospitalization or physician services do not provide "minimum value" as that term is defined by the ACA.  Does this notice and the regulations forthcoming affect so...

September 4, 2014

As we noted here, the DC Circuit has vacated its panel decision deciding the ACA shoud be enforced as it reads to NOT allow subsidies sold outside of state health exchanges (i.e., through the federal exchange).  This was a huge holding, but the odds were stacked agains...

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By Adams Insurance Service, Inc.