Carefirst Proposes Hefty Rate Increases; Kaiser Cuts Rates For Individual Health Plans – The Washington Post


Nor do they apply to grandfathered plans that were bought before March 2010 or federal plans such as Medicare, Tricare and federal employee plans. The Maryland Insurance Administration will review the plans and can ask insurers to lower them before approving final rates. Last year, CareFirst proposed a 25 percent rate increase but regulators cut the final rates by 10 percent. Marylands rates in 2014 were among the lowest in the country, analysts have said. Policy analysts are looking at the 2015 rates to determine how insurers are adjusting after the first enrollment period under the Affordable Care Act. The 2010 law bars insurers from charging consumers higher premiums based on their medical conditions or gender. Premiums can vary by age and whether someone smokes. All insurers are required to offer a package of essential benefits and follow stricter rules for how much covered individuals are required to pay out-of-pocket. Analysts have said that large premium increases could reflect the fact that insurers got a sicker-than-expected mix of patients during the first enrollment period; a rate cut, on the other hand, could be for competitive reasons or the result of a better-than-expected mix of patients. Twelve states have posted rates for 2015, including Virginia, Arizona, Connecticut and Washington. In Virginia, insurers are seeking rate increases ranging from 3.3 percent to 14.9 percent in the individual market.
<a look at these guys href=’; rel=’nofollow’>CareFirst proposes hefty rate increases; Kaiser cuts rates for individual health plans – The Washington Post

Health risks that cause serious brain disease can hurt memory in young, too: study    – NY Daily News

A new study has shown that smoking can impact memory.

Smoking and being overweight hurts your body and can be bad for your brain, too. New research from the University of California, published in the journal PLOS One, says that the same health risk factors linked to Alzheimer’s and other degenerative brain diseases could also contribute to memory problems in all adults, including young adults age 18-39. The study looked at nearly 19,000 people ages 18-99 and focused on known risk factors for Alzheimer’s and dementia, like depression, diabetes, obesity, low education levels and smoking. The researchers found that those with these issues were more likely also to have trouble with their memory across all age groups. In fact, just having one risk factor significantly upped the frequency of memory problems. The risk factor most directly linked to memory trouble was depression. Dr. Gary Small, UCLA’s Parlow-Solomon Professor on Aging and director of the UCLA Longevity Center, said he was surprised to see the risk factors affecting young adults. This finding suggests that it’s never too early to begin living a healthy lifestyle to strengthen brain health and preserve memory abilities, he told the Daily News. Dr. Small noted one caveat in the study: young adults’ memory is challenged by new technologies and multitasking in a way that older adults may not face.
Health risks that cause serious brain disease can hurt memory in young, too: study    – NY Daily News


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