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Analysis of Plan Benchmark Data for Purposes of Assessing Insurers’ Medical Loss Ratios and Rate Review Submissions

Solicitation Number: OS41606

Agency: Department of Health and Human Services                                            

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OS41606

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Combined Synopsis/Solicitation

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Added: Jul 22, 2010 12:57 pm

Office: Program Support Center
Location: Division of Acquisition Management

Rates baffle consumers, especially the self-insured

By Guy Boulton of the Journal Sentinel

Posted: July 11, 2010 |(156) Comments

Over the past six years, Dan Musickant and Lucia Lozano, a husband-and-wife team operating a consulting business, have raised the deductible on their health insurance from $2,500 initially to $10,000 to help keep the cost in check.

Their premiums still rose 70%, to $4,716 a year for the family of three. And the last increase was the steepest of all: 27%.

“What in 2009 took place that they needed to raise the premium 27%?” Musickant asked.

Waiting For the Reforms–U.S. Health Care Gets Failing Grades


While we await the hoped for improvements in the health care reforms, the latest news about the irrational, fragmented and profit driven American health care system is not good.

In a report released last month by the respected Commonwealth Fund, the United States, which spends twice as much money on health care than other advanced nations, ranks lower than all of them on the quality, efficiency and the cost of care for their citizens.

Most important, the care given and available in these countries is more equitable than in the U.S. The disparity in the care available here for more affluent whites, compared to the poor, blacks and Hispanics, is too obvious. There are no uninsured in the countries cited.