California Court Finds That Discretionary Clauses in Health Insurance Policies Are Enforceable : lexology

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California Court Finds That Discretionary Clauses in Health Insurance Policies Are Enforceable

California Court Finds That Discretionary Clauses in Health Insurance Policies Are Enforceable

USA September 12 2016In 2011, the California legislature passed Insurance Code Section 10110.6 which bans the use of discretionary clauses in any policy, contract, certificate, or agreement offered, issued, delivered, or renewed, whether or not in California, that provides or funds life insurance or disability insurance coverage.The district courts in California have enthusiastically enforced this ban, holding that discretionary clauses are unenforceable in group insurance policies and self-funded employee welfare benefit plans that provide disability benefits.Finally, there is good news on the discretionary clause front.


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EpiPen: A Case Study in Health Insurance Failure

EpiPen: A Case Study in Health Insurance Failure

I recently wrote a post describing EpiPen as a "Case Study in Government Harm," describing how the government had made it possible for the manufacturer to increase prices of the life-saving drug multiple times without fear of retaliation.It is also a case study in how health insurance distorts our choices and increases their cost.I learned this by following an Internet advertisement for EpiPen down its rabbit hole.


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Changes That Will Affect Your Small Business Health Insurance Plan in 2017

Changes That Will Affect Your Small Business Health Insurance Plan in 2017

Health insurance is a complicated topic for everyone, but when it comes to small business health insurance, understanding the regulations can seem insurmountable.The documents are long and complicated, leaving small business owners wondering how they will ever sort through them all.We can help make sure that your small business remains in compliance with any new health insurance laws.


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Census Bureau to Announce Findings for 2015 Income, Poverty and Health Insurance Coverage and Supplemental Poverty Measure

Census Bureau to Announce Findings for 2015 Income, Poverty and Health Insurance Coverage and Supplemental Poverty Measure

WASHINGTON, Sept. 12, 2016 /PRNewswire-USNewswire/ -- The U.S. Census Bureau will hold an online news conference to announce the findings from three reports: Income and Poverty in the United States: 2015, Health Insurance Coverage in the United States: 2015, and The Supplemental Poverty Measure: 2015.U.S. Census Bureau Logo.MoreThe income and poverty report provides national-level statistics from the Current Population Survey's Annual Social and Economic Supplement.


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Hoyer Statement on Maryland Health Insurance Rates

Hoyer Statement on Maryland Health Insurance Rates

September 9 2016 Hoyer Statement on Maryland Health Insurance Rates WASHINGTON, DC - Congressman Steny H. Hoyer (MD-05) released the following statement after Maryland Insurance Administration Secretary Al Redmer announced final approved health insurance rates for 2017: "I am deeply concerned by the increase in health insurance rates next year, and I will continue to work to ensure all Marylanders have access to affordable health coverage.Thanks to the Affordable Care Act, millions of Marylanders no longer have to be worried about being denied coverage because of a pre-existing condition; they can access preventive services at no cost to them; and seniors have saved millions on prescription drugs.Additionally, the uninsured rate has fallen in Maryland from 12.9% in 2013 to 7.5% in 2015.