David Anderson
@dmaanderson.bsky.social
Assistant Professor, Health Services, Policy & Management @ University of South Carolina.
I study individual choice health insurance.
All opinions are mine and mine alone.
I study individual choice health insurance.
All opinions are mine and mine alone.
I really want don't want to see anyone choose C --- however I want to hear the explanation
October 29, 2025 at 4:59 PM
I really want don't want to see anyone choose C --- however I want to hear the explanation
Looking at Cheapest Bronze to Cheapest Catastrophic Premium Spreads in 2025 vs 2026 for a single 40 year old.
Bronze on average more expensive both years but smaller spread in 2026 than 2025. In both years wide variance.
@wsanders.bsky.social @cynthiaccox.bsky.social
Bronze on average more expensive both years but smaller spread in 2026 than 2025. In both years wide variance.
@wsanders.bsky.social @cynthiaccox.bsky.social
October 29, 2025 at 2:21 PM
Looking at Cheapest Bronze to Cheapest Catastrophic Premium Spreads in 2025 vs 2026 for a single 40 year old.
Bronze on average more expensive both years but smaller spread in 2026 than 2025. In both years wide variance.
@wsanders.bsky.social @cynthiaccox.bsky.social
Bronze on average more expensive both years but smaller spread in 2026 than 2025. In both years wide variance.
@wsanders.bsky.social @cynthiaccox.bsky.social
This is interesting --- for the 2055 counties that used Healthcare.gov in 2025 AND 2026
Fewer counties are offering #Catastrophic Plans in 2026
CMS is making a big push for more people to buy Catastrophic
Only affordable if enhanced subsidies not extended.
@colemandrake.bsky.social
1/N
Fewer counties are offering #Catastrophic Plans in 2026
CMS is making a big push for more people to buy Catastrophic
Only affordable if enhanced subsidies not extended.
@colemandrake.bsky.social
1/N
October 29, 2025 at 1:51 PM
This is interesting --- for the 2055 counties that used Healthcare.gov in 2025 AND 2026
Fewer counties are offering #Catastrophic Plans in 2026
CMS is making a big push for more people to buy Catastrophic
Only affordable if enhanced subsidies not extended.
@colemandrake.bsky.social
1/N
Fewer counties are offering #Catastrophic Plans in 2026
CMS is making a big push for more people to buy Catastrophic
Only affordable if enhanced subsidies not extended.
@colemandrake.bsky.social
1/N
So what?
Under either premium tax credit scenario, cheapest Bronze is almost always cheaper than CATASTROPHIC for individuals under 400% FPL
With EPTC this holds true (likely to 600% to 800% FPL)
Standard PTC, huge shift at 401% FPL
3/4
Under either premium tax credit scenario, cheapest Bronze is almost always cheaper than CATASTROPHIC for individuals under 400% FPL
With EPTC this holds true (likely to 600% to 800% FPL)
Standard PTC, huge shift at 401% FPL
3/4
October 23, 2025 at 4:59 PM
So what?
Under either premium tax credit scenario, cheapest Bronze is almost always cheaper than CATASTROPHIC for individuals under 400% FPL
With EPTC this holds true (likely to 600% to 800% FPL)
Standard PTC, huge shift at 401% FPL
3/4
Under either premium tax credit scenario, cheapest Bronze is almost always cheaper than CATASTROPHIC for individuals under 400% FPL
With EPTC this holds true (likely to 600% to 800% FPL)
Standard PTC, huge shift at 401% FPL
3/4
It's open enrollment season.... Everyone's favorite month of the year
October 1, 2025 at 7:53 PM
It's open enrollment season.... Everyone's favorite month of the year
5/7
Our results were pretty solid Nulls with standard errors crossing zero pretty easily:
Central Estimates:
LN(MM) -0.0770 (-0.19 to 0.03)
PLRS 0.03263 (-0.019 to 0.085)
Premium $14.81 (-$35 to $64)
States were similarly insignificant except NM having a higher risk score at p<.05 level
Our results were pretty solid Nulls with standard errors crossing zero pretty easily:
Central Estimates:
LN(MM) -0.0770 (-0.19 to 0.03)
PLRS 0.03263 (-0.019 to 0.085)
Premium $14.81 (-$35 to $64)
States were similarly insignificant except NM having a higher risk score at p<.05 level
September 10, 2025 at 5:59 PM
5/7
Our results were pretty solid Nulls with standard errors crossing zero pretty easily:
Central Estimates:
LN(MM) -0.0770 (-0.19 to 0.03)
PLRS 0.03263 (-0.019 to 0.085)
Premium $14.81 (-$35 to $64)
States were similarly insignificant except NM having a higher risk score at p<.05 level
Our results were pretty solid Nulls with standard errors crossing zero pretty easily:
Central Estimates:
LN(MM) -0.0770 (-0.19 to 0.03)
PLRS 0.03263 (-0.019 to 0.085)
Premium $14.81 (-$35 to $64)
States were similarly insignificant except NM having a higher risk score at p<.05 level
What type of bird is this?
August 16, 2025 at 5:48 PM
What type of bird is this?
Just finished reading the Bright Ages: a new history of medieval Europe
Highly recommend
Highly recommend
July 30, 2025 at 7:44 PM
Just finished reading the Bright Ages: a new history of medieval Europe
Highly recommend
Highly recommend
6/n Let's simplify. 2024 (I-S)-2019(I-S) to see general trend and changes
WOW --- big general downward trend BUT some exceptions (CO, CT, NM, NV) and some states with huge drops (TX, LA and WV) This is weird.
I can't make strong conclusions but this is odd and worth thinking more about
WOW --- big general downward trend BUT some exceptions (CO, CT, NM, NV) and some states with huge drops (TX, LA and WV) This is weird.
I can't make strong conclusions but this is odd and worth thinking more about
July 23, 2025 at 4:38 PM
6/n Let's simplify. 2024 (I-S)-2019(I-S) to see general trend and changes
WOW --- big general downward trend BUT some exceptions (CO, CT, NM, NV) and some states with huge drops (TX, LA and WV) This is weird.
I can't make strong conclusions but this is odd and worth thinking more about
WOW --- big general downward trend BUT some exceptions (CO, CT, NM, NV) and some states with huge drops (TX, LA and WV) This is weird.
I can't make strong conclusions but this is odd and worth thinking more about
5/N Now lets see what happens between the individual and small group market in 2024 --- same calculation as post #3
This is DIFFERENT
Still lots of variance. Some states (FL, LA, TX, OH) Small Group market is sicker than Individual Market. No big change in AR, but a general decrease
This is DIFFERENT
Still lots of variance. Some states (FL, LA, TX, OH) Small Group market is sicker than Individual Market. No big change in AR, but a general decrease
July 23, 2025 at 4:38 PM
5/N Now lets see what happens between the individual and small group market in 2024 --- same calculation as post #3
This is DIFFERENT
Still lots of variance. Some states (FL, LA, TX, OH) Small Group market is sicker than Individual Market. No big change in AR, but a general decrease
This is DIFFERENT
Still lots of variance. Some states (FL, LA, TX, OH) Small Group market is sicker than Individual Market. No big change in AR, but a general decrease
First lets compare the % of enrollees with 1 or more HCC categories in the 2019 Individual Market minus 2019 Small Group market in the states where there is complete data for both 2019 and 2024
Positive number means Individual Market has more people with 1+ HCC category
3/N
Positive number means Individual Market has more people with 1+ HCC category
3/N
July 23, 2025 at 4:38 PM
First lets compare the % of enrollees with 1 or more HCC categories in the 2019 Individual Market minus 2019 Small Group market in the states where there is complete data for both 2019 and 2024
Positive number means Individual Market has more people with 1+ HCC category
3/N
Positive number means Individual Market has more people with 1+ HCC category
3/N
#WakelyActuaries have a fascinating report on January to April ACA risk scores between 2024 and 2025
www.wakely.com/wp-content/u...
My big take-away is that the #StateBasedMarketplaces are running a totally different system than #Healthcare.gov states
www.wakely.com/wp-content/u...
My big take-away is that the #StateBasedMarketplaces are running a totally different system than #Healthcare.gov states
July 22, 2025 at 11:46 PM
#WakelyActuaries have a fascinating report on January to April ACA risk scores between 2024 and 2025
www.wakely.com/wp-content/u...
My big take-away is that the #StateBasedMarketplaces are running a totally different system than #Healthcare.gov states
www.wakely.com/wp-content/u...
My big take-away is that the #StateBasedMarketplaces are running a totally different system than #Healthcare.gov states
July 13, 2025 at 2:45 AM
There has to be something interesting to do with these questions in the new CENSUS PULSE:
I'm looking through the PULSE survey for another variable/question but this just stopped me cold for a minute as I have several hypothesis
I'm looking through the PULSE survey for another variable/question but this just stopped me cold for a minute as I have several hypothesis
July 1, 2025 at 4:21 PM
There has to be something interesting to do with these questions in the new CENSUS PULSE:
I'm looking through the PULSE survey for another variable/question but this just stopped me cold for a minute as I have several hypothesis
I'm looking through the PULSE survey for another variable/question but this just stopped me cold for a minute as I have several hypothesis
June 24, 2025 at 7:03 PM
Reading through the CMS budget justification document and I am quite perplexed as to why they think that they can in-house a lot of IT services given the general federal employment environment
www.cms.gov/files/docume...
www.cms.gov/files/docume...
June 13, 2025 at 3:10 PM
Reading through the CMS budget justification document and I am quite perplexed as to why they think that they can in-house a lot of IT services given the general federal employment environment
www.cms.gov/files/docume...
www.cms.gov/files/docume...
June 9, 2025 at 8:59 PM
June 8, 2025 at 7:55 PM
Looking at the new #CBOScore for HR1
Still trying to figure out why the #SilverLoad pay for is so low
Still trying to figure out why the #SilverLoad pay for is so low
June 4, 2025 at 2:47 PM
Looking at the new #CBOScore for HR1
Still trying to figure out why the #SilverLoad pay for is so low
Still trying to figure out why the #SilverLoad pay for is so low
GLP1 costs are showing up in ACA Rate filings as material premium rate increase drivers (NY State filings h/t @charlesgaba.com )
@colemandrake.bsky.social @dludwinski.com @kellyanderson.bsky.social @sarahhcross.bsky.social
Wonder how frequent and meaningful this is
@colemandrake.bsky.social @dludwinski.com @kellyanderson.bsky.social @sarahhcross.bsky.social
Wonder how frequent and meaningful this is
June 2, 2025 at 7:06 PM
GLP1 costs are showing up in ACA Rate filings as material premium rate increase drivers (NY State filings h/t @charlesgaba.com )
@colemandrake.bsky.social @dludwinski.com @kellyanderson.bsky.social @sarahhcross.bsky.social
Wonder how frequent and meaningful this is
@colemandrake.bsky.social @dludwinski.com @kellyanderson.bsky.social @sarahhcross.bsky.social
Wonder how frequent and meaningful this is
Really enjoyed Jodi Taylor's "just one damned thing after another" as well conceived and executed adventure fiction
May 31, 2025 at 5:33 PM
Really enjoyed Jodi Taylor's "just one damned thing after another" as well conceived and executed adventure fiction
