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Medicare & Medicaid

Medicare & Medicaid

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ACA open enrollment: what’s new for 2025
Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various changes that consumers should be aware of this fall.

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How does a health savings account (HSA) work?
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

Re-envisioned reform: a ‘gigantic blunder’?

Health economists Austin Frakt and Harold Pollack question the vision, political timing of yet another plan to scrap Obamacare

Curbside Consult with Austin Frakt

Last week, eight prominent health policy analysts released a new health plan at the conservative think tank, American Enterprise Institute.

Healthinsurance.org Contributor Harold Pollack knows and likes the authors, but he knows and hates their plan.
Indeed, Pollack was pretty brutal about it on the health policy site, The Incidental Economist (TIE, for short among health wonk types).

Individualized premiums

Harold was especially dismayed by the plan’s “gigantic blunder” of allowing insurers to charge “individualized premiums” under which consumers’ could be charged higer rates based on their individual health risks.

Harold’s friend and TIE colleague Austin Frakt was gentler towards this new plan, and was dismayed that liberals and conservatives lined up so predictably to dismiss or to defend the new plan based on the politics of Obamacare.

Harold and Austin continued the conversation in a short video chat. No furniture was broken, and no animals were harmed in the filming. Watch Part One above and Part Two here.

Austin Frakt is with the Department of Veterans Affairs. He is also a health economist at Boston University. He is a blogger for the Incidental Economist, Journal of the American Medical Association, and AcademyHealth.


Harold Pollack is Helen Ross Professor of Social Service Administration at the University of Chicago. He has written about health policy for the Washington Post, New York Times, New Republic, The Huffington Post and many other publications. His essay, “Lessons from an Emergency Room Nightmare,” was selected for The Best American Medical Writing, 2009. 

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