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To accomplish this, the Colorado Division of Insurance has suggested the insurers could slightly adjust (by $5) the off-exchange ambulance/emergency transportation benefit in order to have a slight difference between the on- and off-exchange plans. The two plans would then have different identification numbers in the Health Insurance Oversight System (HIOS) and could then have differing premiums, with the cost of CSR added to the on-exchange version and not to the off-exchange version. Insurers have the option of using a different approach to creating a slight benefit difference between on- and off-exchange silver plans, but will need to discuss the proposal with the Division of Insurance before proceeding.

So while the on- and off-exchange silver plans will vary slightly, the differences will be negligible. This will allow the off-exchange plans — without the cost of CSR added to their premiums — to be a good choice for a person who doesn’t qualify for premium subsidies and yet wants to purchase a silver plan. For people who do qualify for premium subsidies, the subsidies will continue to offset the impact of annual rate increases. And subsidies will make coverage at other metal levels more affordable in Colorado in 2019 than it is in 2018, as the subsidies will grow commensurately with the price of silver plans, which will include the full cost of CSR in 2019 ( here’s how this worked in most states in 2018, and why it benefits consumers to have the cost of CSR added to on-exchange silver plan premiums ).

In 2017, Colorado enacted S.B.300 , which directed the insurance commissioner to study ways to reduce premiums in the individual market and improve market stability. The legislation included mentions of the possibility of high-risk pools, reinsurance, or a hybrid of the two. The Department of Insurance completed their evaluation, and submitted Le Vian Chocolate Diamond Ring 1/2 ct tw 14K Honey Gold LGfQA7
to the legislature in October 2017, recommending reinsurance as the best approach and outlining the reinsurance programs that Alaska , Oregon , and Minnesota have implemented in order to reduce premiums in their markets.

With the demise of H.B.1392, Colorado will not have a reinsurance program in 2019 to bring down individual market premiums, although several other states either already have reinsurance programs in place or are working to implement them.

Some additional bills that could affect the exchange and the individual market are under consideration in Colorado’s legislature in 2018, including:

Open enrollment for 2018 coverage in Colorado began November 1, 2017, and ended January 12, 2018. This was nearly a month longer than open enrollment in states that use, but it was nearly three weeks shorter than open enrollment had been in prior years, when it had run for at least three months.


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Forbes Coaches Council i

Post written by

Gerry Valentine

Gerry Valentine is an executive coach and public speaker with 25 yrs. Fortune 100 experience. He advises business leaders and entrepreneurs.


“What does it mean to be resilient?” That’s the question one reader asked in response to my recent article on Forbes. It’s a great question.

The idea of “resilience” has entered the mainstream of life. Well-known researchers like Brene Brown and Angela Duckworth have published on the topic. But a lot of people don’t understand what resilience is.

There’s a misinterpretation that resilience is about being fearless, being tough or just being able to pick yourself up by the bootstraps. These misperceptions are especially prevalent in business circles. That’s a big problem because this way of thinking can actually make business leaders less resilient. Let’s clear that up.

Fear, Adversity AndParalysis

The easiest way to understand resilience is to first understand how it gets derailed, and that’s often through a destructive process I call the “fear, adversity, paralysis cycle.” Here’s how it works. When faced with adversity, we all feel fear. It’s a fear that we won’t be able to overcome the adversity. That’s perfectly natural. The problem develops when the fear becomes a paralysis that prevents us from responding productively to the adversity. And the paralysis always leads to even more adversity -- either the original adversity worsens or a new one arises.

For example, Eastman Kodak Zales Edward Mirell Mens 70mm Grooved and Textured Wedding Band in TwoTone Titanium q8ai2FUC
in 2012 -- some people would say because of the digital camera. But here’s something many people don’t know: The digital camera was Angara Cocktail Ring with Cushion Amethyst in Yellow Gold PD8Fy2
who worked for Kodak back in 1975.

So, what happened? The cycle happened. When faced with the disruptive technology of digital photography, Kodak’s leaders -- people who only understood the film business -- allowed their fear of change to trigger a paralysis that prevented them from leveraging their own invention. By the time Kodak came around, the competition had an insurmountable lead.

Examples of fear and paralysis are all around us, and most people don’t notice them. It’s the executive who’s terrified of change and clings to the past. It's the entrepreneur who is so frightened that she micromanages everything and paralyzes her company. It's the company with employees who are so caught up with blaming and finger-pointing that it can’t innovate.

So, my dear young parents, keep your eyes open. If you have a precocious youngun, it’s may not be just your imagination. Your kid absolutely will show signs of quirkiness and giftedness long before they begin their educational journey.

And if you’re at the very beginning of this G2e parenting fire-walk? Welcome, take a load off, and here, have some wine.


Today’s post is part of the GHF March Blog Hop . Go check out some of the other participants!

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Feb 25 2018


Everyday Life , Humor , Angara Pave Halo Cushion Sapphire Ring in 14k Rose Gold SO7Z84HOu8


I am a huge fan of mocking the absurd and annoying. Blog name checks out . So when I want to whine about the irritating crap of life, I dig deep and find a way to poke fun at it. Not at people, because I’m not an asshole, but at life.

Yesterday I found myself running errands on a gloriously bright and sunny Saturday. I do not like running errands on agloriously bright and sunny Saturday. I’d rather do anything else, stopping just shy of body-boarding Lake Michigan waves in February. But the teens insisted that Old Mother Hubbard’s cupboard was bare (which it most certainly was NOT, but the teens in question have a mental block when it comes to the equation of ingredients + preparation = food , and instead believe in the equation of pantry + two square inches of open space = NOTHING IN THE HOUSE TO EAT ), and so I was off to the market, jiggity jig. To entertain myself, I proceeded to post what I considered to be entertaining snippets of my morning on Facebook. I share them here with you now, because sharing is caring, and I am nothing if not a caring individual.

Just filled the wagon with liquid dinosaur. Now off to procure provisions for the week ahead. Le Vian Chocolate Diamond Hoop Earrings 13/8 ct tw 14K Gold cwv4JyC7
# SoundsBetterThisWay

More than one friend thought I had filled my car with liquor. It was 10:30 in the morning.

Joseph’s Trading Post does not appear to be overrun with hagglers this morn. I anticipate success in procuring the items I require. Perchance a small vessel of fermented grapes will find its way into my basket. Angara Diamond Halo Oval Tanzanite Three Stone Engagement Ring in Platinum MLvuqBiyrV
# SoundsBetterThisWay

I was indeed successful in procuring the items I required, including the aforementioned vessels of fermented grapes.

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