More Of Naomi’s Killer Scenarios: Retroactive Processing
Once upon a time, the concept of retroactive payroll processing was invented to handle the all too often situation of a personnel action (that’s what they were called when I was young) that was presented to “the system” after the date on which is should have taken effect. Without a retroactive processing capability in payroll, [...]
Risk Pools and Healthcare Reform
The fundamental challenge the health insurance, or any insurance business for that matter, faces is how to blend risk pools so that the customers who consume few services pay for those who consume many services.
In other words, my premiums will go down because healthy young people who currently get by without insurance will [...]
Employee Benefits Should Not be Off Limits For Sourcing Savings
A recent post over on E-
Sourcing Forum got me thinking that far too few procurement
organizations are willing to insert themselves aggressively into the process of sourcing employee benefits. They would rather leave benefits sourcing to HR, and…
Health Reform: Taking the Wrong Risks
This week the NY Times explores how failing to pass health reform will have an impact on innovation — and archetypal Silicon Valley startups. In the cradle of American innovation, workers are making career choices based on co-payments, pre-existing conditions and other minutiae of health insurance. They are not necessarily making decisions based on what [...]
The Expected Effects of the Public Option and Mandated Coverage on Health Insurance Premiums and Total Medical Expenditures
This is a paper I wrote for my Health Economics class. I originally shared it on Google Docs, but due to popular demand (well, from one person anyway I’m cross-posting it here. Comments welcome. The Expected Effects of the…
