Close Close
Sign In
Newsletters
Popular Financial Topics Discover relevant content from across the suite of ALM legal publications From the Industry More content from ThinkAdvisor and select sponsors Investment Advisor Issue Gallery Read digital editions of Investment Advisor Magazine Tax Facts Get clear, current, and reliable answers to pressing tax questions
Luminaries Awards
Podcast Center Video Center Webcasts Resource Center Events
About ThinkAdvisor Contact Us Advertise With Us Asset & Logo Licensing Sitemap Terms of Service Privacy Policy Copyright © 2024 ALM Global, LLC. All Rights Reserved.
ThinkAdvisor

Life Health > Health Insurance

Health enrollment data paints misleading picture: Forman

By Allison Bell

X
Your article was successfully shared with the contacts you provided.

A long-time long-term care insurance (LTCI) specialist says fuzzy health insurance enrollment terminology and data may make trying to sell private long-term care (LTC) solutions even more difficult.

Stephen D. Forman, the co-author of “The Advisor’s Guide to Long-Term Care” (2nd Ed.), a book published by National Underwriter, has written about health insurance enrollee counting in a new analysis posted by the Center for Long-Term Care Reform. 

Forman argues that, since the Patient Protection and Affordable Care Act (PPACA) took effect, government agencies and research organizations such as RAND Corp. have blurred distinctions between having private health coverage and having Medicaid, and between having true private health coverage and subsidized PPACA exchange plan coverage.

Forman also argues that many of the consumer policymakers are now defining as insured, including Medicaid enrollees, are severely underinsured.

If analysts continue to ignore traditional distinctions between public and private options, that might affect how the consumers who call insurance agents for retirement and LTC planning advice think, Forman says.

“It may prove difficult to reverse the consequences of years of such ingrained thought,” Forman says.

NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.