Tag Archives: Troy Pritchett

Health coverage options for the COVID-19 unemployed population

Over a five-week period in March and April, approximately 26 million Americans applied for unemployment benefits. As a result, many have lost their employer-sponsored health coverage. The U.S. healthcare system has never had to reenroll this many people this fast.

Fortunately, individuals facing changes in employment have several options for maintaining health coverage. However, navigating those options can be confusing. Among the options are COBRA, the Children’s Health Insurance Program (CHIP), and the Patient Protection and Affordable Care Act (ACA).

In this article, Milliman’s Les Kartchner and Troy Pritchett outline a road map that newly unemployed Americans may find useful as they sort out their options, offering perspective on potential factors that can be expected at the macro level.

CO-OPs: Learning from history

The consumer operated and oriented plans (CO-OPs) created by the Patient Protection and Affordable Care Act (PPACA) will soon be the newest entrants in the health insurance marketplace. However, they are the next in a long history of entities aiming to sustain competition and innovation in the provision of prepaid healthcare. A careful review of the successes and failures of HMOs and health insurers that have come before can provide key insights into the challenges that CO-OPs face in creating, growing, and sustaining a plan. CO-OP managers can learn from this history and gain valuable insights that will help them formulate strategies on what to do—and what not to do—to build a viable, thriving, and competitive health plan. Learn more in the first issue of “CO-OP Point of View.”