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|Articles - December 2011|
|Tuesday, November 15, 2011|
Page 1 of 3
By Linda Baker
Lurking behind every Oregon small business is a health insurance tale of hardship and woe. At Hawthorne Auto Clinic in Portland, co-owner Jim Houser pays $100,000 annually in premiums to cover his nine full-time employees and their families. That’s about double the amount he paid 10 years ago and 20% of payroll, he says. Aelea Christofferson, owner of ATL Communications in Bend, is locked into a one-size-fits-all plan that compels her older employees to pay the same deductible as her employees with small children. Jose Gonzalez, principal of Tu Casa Real Estate in Salem, has no insurance for himself or the eight agents he employs. “It’s too expensive,” he says simply.
Never-ending rate increases and lack of options are among the reasons why Christofferson, Houser and Gonzalez have high hopes for a new health-insurance program created by the passage of Senate Bill 99 this past June. Scheduled to launch on Jan. 1, 2014, the Oregon Health Insurance Exchange will be an online marketplace where individuals and employers with fewer than 50 employees can shop for health insurance while potentially qualifying for small-business tax credits and individual subsidies. The goal is to create an easy-to-navigate website where consumers can compare health plans on the basis of cost, quality and individual health needs.
“The exchange will be a trusted resource,” says Gonzalez, who, along with Christofferson, is one of three small-business representatives Gov. John Kitzhaber appointed to the 3-month-old Health Insurance Exchange Board. (Houser is a member of the Health Exchange Consumer Advisory Group.) “It will allow me to protect my family and employees.” Other small-business advocates are even more enthusiastic. “To call the exchange transformational is too little a word,” says Ryan Deckert, president of the Oregon Business Association. “It will change the whole way individuals and businesses purchase health care.”
But if anticipation is running high, the challenges — and uncertainties — ahead are significant. The board, which is crafting a business plan for the exchange, due February 2012, must also resolve a variety of complex policy issues, ranging from types of insurance plans and rates to the construction of a consumer-friendly website. At stake is more than the design of a system that will appeal to small businesses and insurance companies alike. A bigger question is whether the exchange, which is less an overhaul of a broken system than an incremental market-based reform, can actually make a dent in the affordability and accessibility of health care — especially in Oregon, which already has one of the most competitive small-group insurance markets in the country.
“The long-term goal is to leverage the purchasing power of the exchange to help improve health-care quality and outcomes, which will eventually impact cost,” says Rocky King, executive director of the Oregon Health Insurance Exchange, a public corporation. If the exchange fails to accomplish this broader task, says King, its impact will be limited. “It will be nothing more than a market aggregator.”
|Thursday, March 06, 2014|
BY HANNAH WALLACE | OB BLOGGER
The founder of Pacific Foods talks about why his company has flown under the radar in Oregon, how saving a family-run chicken hatchery has helped his bottom line and why he thinks organic food is anything but elitist.
|Thursday, January 09, 2014|
BY JESSICA RIDGWAY | OB WEB EDITOR
The proliferation of grocery stores in the inner city reinforces what this Portland shopper already knows: every urban dweller should have a food store within walking distance of their house.
|Tuesday, March 04, 2014|
BY DEBRA RINGOLD | GUEST CONTRIBUTOR
How can we strengthen the performance of institutions charged with teaching what Francis Fukuyama calls the social virtues (reciprocity, moral obligation, duty toward community, and trust) necessary for successful markets and democracy itself?
|Thursday, January 16, 2014|
BY JOE ROJAS-BURKE | OB BLOGGER
An economic study of emergency room utilization in Oregon set off a thundering media stampede earlier this month. I was struck by the cut-and-paste sameness of much of the reporting and how awfully little it had to say about the untreated wound that is causing all the pain: the hole in our healthcare system where a robust primary care infrastructure should be.
|Tuesday, January 28, 2014|
Plywerk owner Kjell van Zoen talks to Oregon Business about bringing manufacturing back to the United States, lean manufacturing and the value of buying local.
|Tuesday, January 21, 2014|
BY LINDA BAKER
As construction resumes on the Park Avenue West Tower, a friendship between a Portland architect and a lawyer comes full circle.
|Wednesday, January 15, 2014|
BY MIKE GREEN | OB BLOGGER
The problem with the issue of income inequality is that it’s typically an afterthought to a region’s economic planning, and not a core priority around which primary economic strategies revolve.
|The more they change, the more they stay the same|
|The 2014 List: The Top 33 Large Companies to Work, For in Oregon|
|The 2014 List: The Top 34 Medium Companies to Work, For in Oregon|
|The 2014 List: The Top 33 Small Companies to Work, For in Oregon|
|The future of money|
|Rival banana firms to merge|
|Blood test predicts Alzheimer's disease|
|Cerberus Capital to buy Safeway|
|U.S. adds 175,000 jobs|
|Bitcoin creator revealed|
|Staples closing 225 stores|
|EU to offer aid package to Ukraine|
Living in the beautiful Pacific Northwest means enjoying our wonderful surroundings, while remaining aware of the multiple types of natural disaster threats that we face: winter storms, windstorms, floods, landslides, earthquakes, volcanoes and tsunamis.“
Oregon State University's hospitality degree program invests in next-generation leaders.
Allowing individuals to access their own healthcare options has created more difficulty instead of making things easier. There are so many examples that illustrate why agents are more important than ever in helping businesses and individuals determine the healthcare coverage that best fits their need.
Barran Liebman is pleased to welcome Tyler Volm and Damien Munsinger as Associate Attorneys. Both Tyler and Damien represent employers and management in employment law litigation, and provide advice on a full range of employment law matters.
The 2014 World Trademark Review 1000 (“WTR”) recently named Lane Powell as one of the top trademark law firms in Oregon and Washington, and Lane Powell attorneys Kenneth R. Davis II, Parna A. Mehrbani, Frances M. Jagla and Paul D. Swanson as top individuals in the practice.
Capital Pacific Bank, a Portland-based community bank serving businesses, professionals and nonprofit organizations, today announced that it has earned recognition as a Certified B Corporation by B Lab, a nonprofit organization dedicated to building a community of socially responsible businesses. The bank is one of six financial institutions across the country to achieve B Corp status.