ObamaCare Medicaid Expansion expands Medicaid to 15.9 million of our nation’s poorest, including 9 million children by means of expanding CHIP (Children’s Health Insurance Program). However,...

ObamaCare cuts $716 billion (gross) in Medicare and Medicare Advantage related spending and reinvests it back into both Medicare and other aspects of the Affordable Care Act. The Affordable...

ObamaCare (the Affordable Care Act) contains new taxes including a fee for not obtaining insurance, as well as tiered cost assistance based on income. For those who get cost assistance their...

Under the Affordable Care Act, every legal resident of the United States of America will be able to shop for health insurance in their State’s online Health Insurance Marketplace (sometimes...

Obama Care (The Affordable Care Act) does not create private or public health insurance, it expands and improves public health insurance options like Medicaid and Medicaid. The ACA also creates...

You must obtain and maintain minimum essential coverage throughout the year, get an exemption, or face a tax penalty for each month you go without coverage. In the individual and family market...

When Barack Obama became president he began trying to pass the 2009 with the Affordable Health Care for America Act. This was followed by The Patient Protection Act, which culminated into the...

The concept behind ObamaCare was an individual mandate to obtain insurance, coupled with subsidies for private insurance. The concept was first put forth by The Heritage Foundation, a politically...

The Patient Protection and Affordable Care Act was nicknamed “ObamaCare” due to it being promoted by President Barack Obama. The term started becoming common back in 2009 (before the final...

Let’s take a look at some of the specific things ObamaCare does to reform the American healthcare system and how these reforms can benefit you, your family, and your business. First off,...

The Affordable Care Act (ACA), officially called The Patient Protection and Affordable Care Act (PPACA) and sometimes called Obama Care, is a US law that reforms both the healthcare and health...

Insurance is a way of spreading or sharing and the financial risk. The scheme of the insurance date’s rear to the days of the Romans but it was not official. It is a simple theory, a huge number...

Financial service companies especially insurers need few operating assets to generate revenue but are required to hold equity capital at levels sufficient to support their operations. For that...

For service companies employee skills are a particularly important resource. Accordingly the efficiency of this resource as measured using average revenue per employee is an important performance...

Where reserve development is the current year adjustment to the prior year’s reserve. Inferences made using this ratio are typically based on its time series properties such as the average...

The combined ratio and its components measure the underwriting profitability of insurance companies. Policy holder share ratio is not worth mentioning for the PC insurance industry overall...

Net premiums written is equal to direct insurance and reinsurance assumed during the period less reinsurance ceded. In the circumstance of analyzing profitability this ratio measures the efficiency...

Where net gains (losses) is the sum of realized gains (losses) plus the change in unrealized gains. Investment return has the two mechanisms: investment yield and net capital gains. Unlike...

Recurring ROE (Return on Equity) is a summary measure of recurring profitability from all business activities. Recurring income excludes One Time Items and so Recurring ROE (Return on Equity)...

The operating ratio measures a company’s overall operational profitability from underwriting and investment activities. This ratio excludes other operating income and expenses capital gains...