Understanding Healthcare

By Aditya Singh

Healthcare will only be affordable and accessible when it's understandable

Healthcare will only be affordable and accessible when it's understandable

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What are the Medicaid Expansions?

The Medicaid expansion updates a state's Medicaid eligibility rules to cover all adults with and without children at or below 138% of the federal poverty line (FPL), a measure used to categorize income levels.Most states have adopted these expansions since th…


What are the Expanded Health Subsidies?

The Affordable Care Act (ACA, aka Obamacare) aimed to increase the number of Americans on health insurance. It did this through a variety of methods, such as expanding Medicaid coverage and mandating large employers to give health benefits.Another way it soug…


What are the Transparency Rules?

Price transparency is a topic that economists tend to like to talk about, especially in markets where everything is expensive and confusing.Generally, price transparency is the ability of participants in a market to know the cost of a good or service being so…


How an Insulin Price Cap Works

First, we must start with why the price of insulin matters, which requires understanding why it must be prescribed.Diabetes is a general term for a number of diseases that affect the way the body utilizes glucose, more commonly known as blood sugar. Glucose i…


Why Do Employers Sponsor Health Insurance

Health insurance is a relatively new concept, originating in the early 1900s. A precursor to health insurance plans focused on ensuring families did not lose out on wages when the employee earning income was sick or recovering from injury.Early attempts at a …


How are Health Plans Paid For

The premium is probably the simplest of the terms we will discuss. This is a monthly rate which you pay the health insurer.Generally, these premiums are the revenue that health plans use to help pay for the healthcare of their members. The pricing levels used…


Why do insurers make you go in-network?

Talking about provider networks requires us to first look through the lens of the health plan insurer. Regardless of your opinion of these insurers, their incentives and priorities are what drive a lot of the way we understand the need for provider networks.T…


What Actually is Medicare?

Medicare is operated by the federal government, specifically through the Centers for Medicare and Medicaid Services, which operates under the Department of Health and Human Services. The Medicare.gov website briefly explains eligibility with the following cri…


Why are prescription meds getting more expensive?

Research and development of drugs can be a costly affair, and in recent years, pharmaceuticals have stepped up how much money they're putting into the development of new drugs. Take this one study:In this study, which included 63 of 355 new therapeutic drugs …