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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.”
Wednesday, August 13, 2014
BY TOM COX | OB BLOGGER
When I say, “Your Employee is Always Right,” I do not mean “right about the facts,” but rather “right about how they feel” and “right about how they want to be led.”
Tuesday, August 26, 2014
BY JESSICA RIDGWAY
September's Launch article features Orchid Health, BuddyUp and Inter-Europe Consulting.
Tuesday, August 26, 2014
Parents and students paying for college today are like homeowners who bought a house just before the housing bubble burst.
Friday, September 12, 2014
BY TOM COX | OB BLOGGER
I often talk about what leaders can do. What about followers? If you’re a team member and you’d like to add positivity to your team, what might you do?
Friday, August 22, 2014
BY CLIFF HOCKLEY | OB GUEST CONTRIBUTOR
When business intersects with family, a host of situations can arise. Without a clear vision and careful planning, hard-earned investments can become stressful burdens.
Wednesday, August 06, 2014
BY LINDA BAKER | OB EDITOR
Portland startup Green Endeavor strikes gold, inking a partnership with Underwriters Laboratories, an Illinois-based consulting and certification company with offices in 46 countries.
Wednesday, August 27, 2014
BY JENNIFER MARGULIS
As schools implement more rigorous academic standards, holistic and flexible approaches to K-12 education flourish.
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|Tight and Loose|
|Scotland vote on independence begins|
|Artificial sweeteners may lead to diabetes|
|General Mills expects to save $100M|
|Sony predicts $2.14B loss|
|United Airlines offers $100K buyouts to flight attendants|
|Microsoft acquires popular game 'Minecraft'|
|Cognizant to buy TriZetto|
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