Filed Under:Health Insurance, Ltci

Health enrollment data paints misleading picture: Forman

Forman says the effects of PPACA on consumer thinking could extend beyond major medical insurance.
Forman says the effects of PPACA on consumer thinking could extend beyond major medical insurance.

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.

Featured Video

Most Recent Videos

Behind the scenes with Vicki Gunvalson [VIDEO]


In this exclusive interview, Vicki Gunvalson shares how she built a $15 million a year annuity business by planning for...

Regulator: Market may need to reinvent LTCI


Cioppa says Maine's governor wants to spur the creation of better products.

Dementia: It's more than Alzheimer's


An association calls for policymakers to remember lesser-known neurodegenerative conditions.

Protesters Disrupt WellPoint Annual Meeting


Hecklers call for more disclosures of information about political contributions.

Related resources

More Resources


Power your business with up-to-the-minute insurance news, analysis, and best practices from LifeHealthPro Daily eNewsletter – FREE.

Power your business with LifeHealthPro Daily eNewsletter – FREE.

Enter a valid email address.
Nichole Morford

Nichole Morford
Managing Editor

Thank you for subscribing to LifeHealthPro Daily!

Check Out More eNewsletters Now! Close

Advertisement. Closing in 15 seconds.