Leaving the Death Spiral

According to Aetna CEO Mark Bertolini:

Obamacare is in a "death spiral" and more insurers will flee in 2018. There isn't enough money in the ACA today as it is structured – even with its fees and taxes – to support the population that needs to be served.

Hearing that there's "not enough money" in the Affordable Care Act may come as a surprise to individuals and businesses that have watched their premiums increase over the past few years. Is there another option?

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Tilting at Windmills

Waiting for a delayed flight in Chicago's O'Hare Airport, I decided to walk the concourses. Challenging myself to do two things at once, I began to think. And that is when I ran smack dab into a quandary: why are we trying to change the world of health insurance for employers? Not even Don Quixote would be so foolish, would he?

Perhaps the three most powerful lobbying groups in the US are the insurance industry, hospitals, and pharmaceutical companies. Taking on one of these giants, much less all three simultaneously, would seem to fall into the "insane" category. Particularly for a small group of individuals with relatively light pockets and no groundswell of support from the very people they are trying to help. Yet someone has to try to do something to slow the cost curve growth that employers all across the country are facing, don't they?

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