Tom Roberts

Population Health

Oct 18, 2013

Most health insurance companies in 2013 remain focused on the financial health of their organization.  In today’s environment most large employer groups self-insure and pay all their own medical costs and a fee for services to the insurance company.  When providing coverage for individuals, insurance companies now avoid people who are likely to use much in the way of medical care.  This means trying to insure only people who are likely to remain healthy and who have no history of serious disease.  The sad truth is that looking for ways to improve the health of the people they insure is not

Health Care Marketplace provides competitive rates

Aug 27, 2013

Health Care Marketplace provides competitive rates

Many of us already know that there will be new ways to obtain health insurance starting in 2014.  After a long process following the passage of the Affordable Care Act in 2010, which included a Supreme Court decision and a Presidential election, we are now approaching the time when health insurance will be within reach for most Americans.  Many call this Obamacare, but few really understand what it’s all about.

The Health Care Marketplace

Jul 26, 2013

Beginning on October 1st of this year, just about 2 months away, Montana and the rest of the country will begin a process which will radically change how many people shop for and buy health insurance.

Most people have heard of the Affordable Care Act, or Obamacare, though a survey just a month ago showed that up to 40% of Americans still believe that it has been repealed or is not going to take effect.  This points out the problem of a major new law which many people simply don’t understand.  The ones who could benefit the most are probably the least likely to get it.