Word: reformative
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...original Senate bill called for lower thresholds - 75% and 80% respectively - while the House bill calls for an 85% limit across the board; crucially, both of those bills would have ended the requirement in 2013, the year much of health reform only begins to take effect, while Reid's new provision would maintain the regulation in perpetuity. Former Democratic National Committee Chairman Howard Dean, who had advocated killing the public option-less Senate bill, said Monday on MSNBC that of the last-minute changes to the Senate bill made by Reid, the strengthening of the MLR regulations was "the most...
...costs like marketing, salaries and profit. "If you buy a gallon of milk and you end up with half a gallon, you're not really happy about that. But in that case, you can take it back to the store and get mad." (See the top 10 health care reform players...
...been pushing for a 90% threshold, but the Congressional Budget Office said such a requirement would severely limit companies' flexibility and "make such insurance an essentially governmental program." Many states currently have MLR requirements, but most are below the federal level that would be established under Democratic health reform. The existing minimum baseline, established in non-binding guidelines from the National Association of Insurance Commissioners, says that MLRs must be at least in the 50-60% range, depending on what other regulations are in place...
...health care, but also more left over for profits. Another unintentional consequence might be insurers overpaying for some health services to keep their MLR averages high. All of this means the efficacy of MLR regulation - like so much of what's contained within the House and Senate health reform bills - will hinge on implementation and oversight, subjects that have garnered almost no debate this year...
Read "Can Obama Get Dems to Agree on Health Reform...