Friday, May 25, 2018

What's the Big Deal?

Our friend and colleague David Fluker tipped us to this Sunshine State news:

I replied that this was, indeed, a big deal, and several folks asked me why.

It's actually kind of interesting (well, to me, anyway):

Carriers in the group market - and particularly in the small group space - are often subject to something called "adverse selection." This occurs when a company buys a group plan, but only those with health issues actually sign up (or mostly those). As one can imagine, this isn't good for he carrier or,m really, the employer. A significant wand effective way to mitigate against that is to require that a minimum number (and/or percentage) of the employees sign up.

But what if Joe is already has coverage through his wife's employer, or the VA? Well, then he has what's called a "valid waiver;" essentially a "hall pass" to opt out, and not affect the group's eligibility.

But what if he has an individual medical plan instead. This gets tricky: depending on the circumstances, some carriers don't consider this a valid waiver and it does count, potentially threatening the group's eligibility (and thus whether or not the carrier will issue a plan).

So this decision by Anthem California could be a big boost to small employers looking for a group plan.

Thursday, May 24, 2018

Under Pressure

Our house is on a slab, through which run the heating/air conditioning ducts. Several years ago, we experienced several days with substantial rainfall, and the ground became saturated. We were awakened one night to a series of horrific 'thumps,' which seemed to coincide with the cycling of the furnace. After groggily getting out of bed to determine the source, we determined that the groundwater had penetrated micro-cracks in the foundation and seeped into the ducts, almost filling them.

As the furnace cycled, it sent waves through the built-up water, which was the cause of the thumping. Eventually, we were able to bail out the ducts (thanks, Shopvac!) and return to normal.

Turns out, we had experienced the phenomenon known as "hydrostatic pressure." Thanks to our friends at the Cincinnati Insurance Company, here's a video explaining what that is, and its effects:


What is hydrostatic water pressure? from The Cincinnati Insurance Company on Vimeo.

Wednesday, May 23, 2018

PKD, Insurance, And You

Recently, I had the opportunity to speak with the local chapter of the PKD Foundation (PKD is Polycystic Kidney Disease, a genetically-based condition that causes cysts to grow uncontrollably on one's kidneys, to ill-effect). As one might imagine, this creates ...issues ... for folks who have the condition and would like to buy (more) insurance.

I was asked to speak to the challenges of procuring disability income and long term care insurance, so I came up with a short PowerPoint presentation

Take-away: Don't  assume - It costs nothing to ask!

[Special Thanks to FoIB Randy G]

Tuesday, May 22, 2018

Dental Insurance Basics

Recently, the dental insurance carrier we've linked to in our sidebar list of Product Links notified us that they're soon discontinuing new sales. Fortunately, we have a backup carrier with similar products, so no big deal. But it reminded me that we haven't talked about how individual dental insurance coverage works. Please keep in mind that this information is fairly generic, you should absolutely see your own plan documentation for specifics.

Dental insurance is a way to transfer some of the risk of tooth-related expenses to an insurance company. Be aware that this is often a dollar-for-dollar transfer, and may actually mean only a discount in actual dental fees.

Dental health often gets short shrift when discussing insurance. I once had a client that died of a toothache, so the subject is more serious than one might at first believe. There are generally two types of individual dental coverage: insurance plans and discount plans.

Full blown dental

Dental insurance plans are available from a number of carriers, all of which have their own plan design, network of providers (if applicable) and pricing strategy. But there are benefits that most (if not all) carriers cover, and we'll consider these.

Benefits tend to fall into one of three broad categories: preventive, basic, and major. Pricing is generally per person, with a maximum family premium.

■ Preventive services
These are generally covered at 100%, and include items such as semi-annual routine exams and cleanings, and fluoride treatments for juveniles. Sometimes, this category of benefits will include periodontal (gum health) exams, as well.

■ Diagnostic and Basic services
These services are often subject to a deductible, and are more intrusive than preventive care items. Fillings are generally considered in this category; one new technique is called "composite," which replaces older-fashioned metallic fillings with ones that more closely match actual tooth material and color.

X-rays are also often assigned to this category. Many practices have moved to digital versions of these cameras, meaning that results are available instantly.

Simple extractions can also fall under this definition of covered services.

■ Major services
In addition to a deductible, this level of services is usually subject to co-insurance (often 50%), which requires the patient to more directly share in the cost of care. Root canals are found in this category, as are dentures and crowns. Today, the latter may be fabricated in the dentist's office for immediate installation.

Onlays and space mantainers, surgical extractions and other dental surgeries would also fit in this category and are usually subject to an annual maximum benefit amount. They almost always require one to be insured for at least a year before these benefits are even available.

Discounts ahead

As one might imagine, dental plans such as those described above can be expensive, and may be off-putting to budget-conscious consumers who nonetheless acknowledge the value and importance of dental health. A dental discount plan may be the ideal product for people in that situation.

■ How they work
Dental discount plans generally have no waiting periods, deductibles or annual maximums. They are simple to understand because they're not truly insurance products, but offer access to dental care providers at a reduced cost.

Typically, one pays a fee for access to a network of dentists and other dental-related providers willing to provide service at a reduced rate. These services can range from simple cleanings to gum surgery and dentures. One thing to keep in mind is that, unlike a traditional dental plan, payment for services rendered is due at the time of the visit; there is generally no bill-me-later option (although payment plans may be available for major benefits).

One More Thing

Most of these plans don't cover orthodontia, but one may be able to use a Health Savings Account for those services. That means Uncle Sam is helping to pay for your son's or daughter's braces, which helps reduce your net cost.

Dental insurance isn't for everyone, but it can be a cost-effective way to shift at least some of the dental health burden to a third party. It's important to know, however, exactly what's covered, and at what level. Discount plans, while less comprehensive, may offer a value in reducing net out-of-pocket dental expenses.

Monday, May 21, 2018

Or Else ... What?

Our friend Jeff M sent us this intriguing (and, frankly, puzzling) item:

"Treasurer directs Blue Cross NC to cut state health plans’ rates by 15 percent"

As I mentioned in the title of this post, what possible stick could the Treasurer wield to enforce this edict? One supposes that he could direct his staff to simply not pay the premium - that'll show 'em! The problem there is that then the policy gets cancelled for non-payment, and suddenly there are a lot of newly uninsured  North Carolinians.

I reached out to FoIB Michael Bertaut, an economist with Louisiana Blue Cross, for his take:

"This is pretty fascinating....”oh every Doc and hospital is getting a 15% pay cut on the entire state group!, screw with us and we’ll pay you Medicaid rates!

I just don't see this ending well.

Friday, May 18, 2018

CAHU Comes Through

Lord knows I've had my issues with agents' associations, but sometimes they really do get things right.

Case in point: the California Association of Health Underwriters.

Seems that CAHU [gezundheit!] is sponsoring  "a Health Insurance Awareness and Agent Awareness Campaign" to explain to people the folly of government-run health "care."

From CAHU:

"As the experts in our industry we have an obligation to educate consumers and employers regarding health insurance. This includes helping to shed light on what all of these terms in relation to “Single Payer” actually mean. The general public are hearing very different terms used interchangeably."

Absolutely spot on.

The event is next Tuesday (May 22nd) in Sacramento (click here for details).

[Hat Tip: FoIB Shari G]

Thursday, May 17, 2018

May Health Wonk Review is up

Jason Shafrin, our favorite health care economist, hosts this month's compendium of health care polity, policy and wonkery.

Instagram-style.

Really, and quite well done!

Wednesday, May 16, 2018

Midweek Trifecta

Trying out something new, a variation on our "LinkFest" posts. This time out, focusing on 3 new (well, to me, anyway) insurance products:

The folks at Pacific Life have rolled out an intriguing underwriting coup:

"Up to $500,000 Life Insurance Death Benefit with No Medical Exams"

Of course, there's still an application and, one presumes, medical records required, but a half million of cover without blood or urine (or more)?

Nice!

Our friends at the General Agent Center have a new "mini-med" plan available to supplement existing major med policies. What's interesting about this offering is that it covers:

"Office Calls -  ANY licensed practitioner of the healing arts (Physician's, Chiropractor's, Acupuncturist's, Naturopaths)"

Generally, plans like this require one to see an MD or similar, have never seen one that explicitly covers acupuncturists.

Cool.

I must admit, this one looks awfully familiar, but new packaging may do wonders:

"[T]here’s a different kind of plan that could solve problems for both fully-insured plans — which are better for large claims — and self-insured plans — which are better for small claims. It’s called a national plan."

By grouping together employers from all over the 58 states, they appear to stop-loss carriers as one mega-employer, with concomitantly lower rates.

Hunh.

Tuesday, May 15, 2018

LavaCare©

So it looks like even more fissures have opened up as Hawaii's Kilauea volcano continues to spew and smoke. More than a couple of dozen homes have already succumbed, and more are expected to be damaged or destroyed.

Here in Ohio, we get asked a lot about tornado, flood, and even earthquake coverage, but when it comes to volcanoes, well, let's just say that no one comes here for the tropical clime.

But that hasn't stopped FoIB Jeff M from helping out by tipping us to this:

"One possibility is the Hawaii Property Insurance Association, a nonprofit collection of insurance companies created by state lawmakers in 1991 to provide basic property insurance for people who are unable to buy coverage in the private market"

Turns out that lava insurance is a lot like flood insurance (and not just because they both "flow"). Turns out that:

"Few insurance companies will issue policies for homes in Leilani Estates because it is in an area deemed by the U.S. Geological Survey to have a high risk of lava."

Which sounds a lot like "flood plains," no?

And just as there are special plans available for flooding, it seems that the HPIA can help out with lava.

But, Aloha State citizens best not count on their regular homeowner's policies:

"If policies specifically exclude lava damage, the fire coverage will not apply."

As always, we strongly suggest consulting with your own agent to see if you're covered, or can be.

Oh! And:

Monday, May 14, 2018

Gruesome MVNHS© "Tricks"

[A rare content warning: The procedure described in this post is not for the faint of heart. HGS]

Britain's Much Vaunted National Health System© has a sordid history of baby-killing (most recently here), but these are children that have at least been born. This item, which I took a long time considering whether to even post, is egregious even by MVNHS© standards:

"A premature baby was decapitated inside his mom's womb when a doctor in Scotland detached his body from his head during a botched birth."

On the one hand, this is tragic, but it's probably very difficult to get just the right amount of force. And had the process stopped there, this would have been a horrible mistake, but at least understandable.

What happened next, though, is indefensible, and underscores the complete lack of compassion (let alone oversight) rampant in such national health "care" schemes:

"[T]he first-time mom was then forced to undergo a C-section to remove the head — which was sewn onto the tot's body so she could hold him and say goodbye."

The Political Hat (who tipped us to this travesty) paraphrased it thus: "Sorry I killed your baby, but here... I sewed its head back on so you can give it a kiss before we throw it in the furnace."

Indeed.

Friday, May 11, 2018

End o'the Week ThoughtLinks

For your intellectual consideration:

■ From FoIB Randy G:

"Louisiana's Department of Health is preparing to send eviction notices to about 37,000 nursing home and other long-term care residents who could lose Medicaid coverage under the current budget."

Turns out, the Pelican State Governor is looking for some significant budget cuts from state legislators, and this is one of the various tools he has available to pressure them to  make good.

Or is it?

Another FoIB, Michael Bertaut (one of our favorite health care economists) lives and works in Louisiana, and offers this counterpoint:

"Actually, those notices are required under federal law anytime a legislative budget stream is within 90 days of being exhausted. Everyone here knows a special session is less than a month away and it will all be fully funded. The letters are simply a CMS requirements."

Imagine that!

■ Next up, this item from FoIB Steve Downey (we are truly blessed to have so many friends):

"A new study finds that health insurance premiums have been undermeasured, which possibly helps explain at least part of the reason why wage growth has been so paltry with unemployment so low."

That is, there seems to be a correlation between the fact that, although unemployment is at an historic low, our paychecks don't seem to have been keeping pace.

As I pointed out to Steve, this is #OldNews - our readers have known this for a very long time:

"When Joe was hired, his employer budgeted $60,000 for Joe's compensation; $50,000 is paid to Joe as wages, and the other $10,000 is sent to the insurance company and various government agencies," etc.

When health insurance premiums eat up increasingly large fractions of that budgeted amount, Joe's going to feel that directly in his wallet.

■ I had lunch yesterday with some old (well, long-time) friends, one of whom is already retired (lucky her!) and one who's getting close. The talk turned, of course, to Social Security; Pam had recently consulted an outfit that counsels folks (for a fee, of course) on how best to "tune" their Social Security timing and amounts. As it turns out, she'd met with the folks at Social Security Solutions. You can read about them here (Hat Tip: Cornerstone).

Thursday, May 10, 2018

Bait & $witch, Part 2

In Part 1, we revisited the story of Sally and Dave, who had decided last summer to ditch their grandmothered major medical plan in favor of a Health Care Sharing Ministry. While searching for alternatives, they ran across a Texas-based agent with ... questionable ... claims and offerings. The first plan she offered turned out to be a standard issue Short Term Medical (STM) that didn't actually match what she'd originally promised.

But along with that product, she also sent along information on a mini-med (limited benefit) plan. Like the STM, this is also non-ACA-compliant, and once again she failed to mention this crucial fact. Here's part of her pitch:

"Philadelphia American Plan Level 2 Highlights ... Doctor's office visits are approximately $25... (plan pays $60 after PPO network discount) ... Plan pays for outpatient tests like blood tests, MRI's, immunizations, x-rays, etc. - (You receive the PPO discount plus plan pays $20 to $350 per test)" and the (impressive) list goes on.

I have no real objection to these cash plans (indeed, they used to be fairly popular), but again, she's pushing this as an ObamaPlan replacement without mentioning the pitfalls, or even that this is not a major medical plan at all. Yes, Sally should read the brochure that the agent attached, but therein arises another major problem: it also fails to disclose that it's not ACA-compliant (and remember, she'd becoming off a product that is).

Now here's where it gets really egregious: turns out that the brochure the agent sent was incomplete, and omitted two rather important caveats found on subsequent pages:

Pre-existing conditions are specifically excluded for the first year, and there's a laundry list of "Exclusions and Limitations."

This is beyond the pale.

Oh, just how do we know this? Because co-blogger Bob found the actual, complete brochure which included these rather significant items.

In fact, this story has actually evolved from "Bait-and-Switch" to "Egregious Agent Tricks."

How's that?

Well, the email also included the agent's "3 part guarantee:"
Part 1- Our 100% Satisfaction Guarantee: If you are not 100% satisfied with the company you select, we will gladly place you with another company of your choice and if there is an application fee, we will cover the cost up to $25.00.

Part 2- Meet or Beat Rate Guarantee: After we find a plan that meets your needs and budget, if you find another company offering the identical coverage for less, we will meet or beat any price.

Part 3- No Obligation Guarantee: All of our plans are month-to-month with no long-term contracts. So you can rest assured that you are never trapped in a long term agreement.
Co-blogger Patrick picked up on this right away:

"Did you see the "3 part guarantee" at the end of the email? Who can actually offer a meet or beat guarantee? And never mind the fact that every insurance contract I've written is always month-to-month based on paying on time."

Indeed. First, the promise to find alternate coverage is problematic: these are all medically underwritten, so if one develops a pre-existing condition in the meantime, what then? Also, the promise to pay any "fee" seems seems to be skating awfully close to the rebating line. And the "meet or beat" promise is silly: rates are rates (unless we're back to rebating...).

All in all, methinks that Sally and Dave dodged a major bullet.

Wednesday, May 09, 2018

Bait & $witch, Part 1

Regular readers may recall the story of Dave and Sally, (now former) longtime clients who ditched their Medical Mutual grandmothered plan for the (allegedly) greener pastures of a Health Care Sharing Ministry. As I told them last summer:

"Don’t blame you. I actually know someone who’s in one of these and is pretty happy with it."

So, fast forward 10 months, to yesterday:

"Medishare is not working out so well for us.  What are our healthcare insurance options?  I looked on Medical Mutual's site and it looked like they might not be offering individual policies anymore.  I'm hoping you have a good idea!! - Thanks, Sally"

Before I could reply, she followed up with a question about a plan she'd come across on-line. Well, actually, the plan came across her:

"Hi, I noticed that you were recently online looking for health insurance quotes. I have a much better way to obtain a low cost brand name major medical health insurance plan... with a low or zero net annual deductible!"

Wow, sounds great, and Sally wondered if I had access to it and what I thought of it.

Well, maybe, and I'm willing to take a look:

"United Healthcare currently has the best rates of any major medical carrier on their medically underwritten health plan. If you are in reasonably good health, this plan offers substantially better benefits at a much lower cost than any other health plan."

Oh, so a UHC plan. Okay, decent carrier, decent plans and prices in general, but no ObamaPlans, and this one sounds like a short term medical plan, which we do have access to and like. But then there's this:

"United Healthcare Major Medical Plan with Deductible Eliminator"

Hunh. I suppose one could call a Short Term plan "major medical," but that certainly implies a lot more than I would be comfortable with. But what's this "Deductible Eliminator?"

Ah:

"Deductible eliminator GAP supplement pays 100% of medical expenses subject to your deductible in the hospital, and 50% of expenses subject to your deductible on outpatient expenses."

Now that doesn't seem familiar, but maybe I missed a memo, so off to the UHC quoting site. Nope, no "Deductible Eliminator" here.

Hmmm, what to do now?

So, I reached out to our friends at Cornerstone, who took one look at the email and referred me to UHC's home office. Who were quite puzzled as well, since they had no idea what this agent was pushing, but it certainly wasn't one of their products. I thanked them, and promised to keep them in the loop.

By this time, I'd received a follow-up email from Sally:

"I am going to use the sharing plan more effectively.  I found that if I lower our deductible from $10,000 to $7,500 our premium only goes up $18 a month! I'm thinking this is a better option that anything else right now."

Okay, I get that. But I took a chance and asked if she'd mind asking for more details on this "other" plan, and she readily agreed to do so. Here's what the other agent sent:

"Hi [Sally], Here is the info about the United Healthcare major medical plan plus another popular plan from a top selling carrier ... United Healthcare Term Major Medical Value Select A."

So, just as I had suspected: a short term medical plan. I'd like to think that her misrepresentation of it was a typo rather than intentional.

Seems like there's something missing though, no? Where's that fantastic (literally, apparently) "Deductible Eliminator?"

And something I think is even more appalling: the lack of disclosure that this is, in fact, a Short Term Medical plan and thus not ACA-compliant. This is critical for a number of reasons:
■ The plan doesn't cover pre-existing conditions
■ It leaves them subject to the fine/penalty/tax (which is a double whammy in this case, since they'd be coming from an ACA-compliant Sharing Ministry, which exempts them)
■ These plans aren't renewable, and currently have a 3 month maximum term
There's actually more, but we'll cover that in Part 2.

Stay tuned....

Monday, May 07, 2018

Top o'the Week Linkfest

Back in March, we reported that the IRS had decreased this year's maximum HSA contribution, limiting families to $6,850 for 2018. Well, the folks at Ballard Sphahr tip us that:

"The IRS has announced that it will restore the family deduction limit for HSA contributions to $6,900 for 2018."

Hey, $50 is $50.

I've long had an issue with tying one's credit score to one's auto and home insurance (I know, whistling in the dark), but what can you do?

Well, the folks at The Zebra (seriously!) have "received a U.S. patent for their proprietary Insurability Score™ ... a free, first-of-its-kind score which decodes for consumers what is affecting their individual insurance risk, by how much, and what they can do about it."

Score one for the little guy.

Great news from FoIB Holly R:

"Israeli scientists at Ben-Gurion University of the Negev and Soroka University Medical Center in Beersheba announced that they have developed a new non-invasive method to detect early breast cancer more accurately, using commercially available breath and urine tests."

This seems significant, and potentially less expensive (and awkward) than current methods.

Over the years, we've blogged many times on so-called "Grandmothered" plans. I kinda liked that term, but it's a little unwieldy and not necessarily all that descriptive. Well, the good news is that I just learned a new term which solves that problem: "Keep What You Have (KWYH)" plans. Same concept, better descriptor.

The bad news is that it's about to become a moot point:

"After careful consideration, we will no longer offer Aetna and Coventry transitional relief plans (also known as Keep What You Have - KWYH - plans) after December 31, 2018. When we began offering KWYH plans four years ago, we did so understanding that these plans were to help ease the transition to Affordable Care Act (ACA) plans and not a permanent alternative."

/sigh

Friday, May 04, 2018

Apple Saves a Life

An apple a day keeps the doctor away. Old wives tale or truth?

The old saying dates back to 1866 according to Medical News Today.

Apple Watch hit the market 150 years later. And now it is crediting with saving the life of Deanna Rechtenwald of Tampa, FL.

18-year-old Deanna Recktenwald, of the Tampa area, was at an area church recently when her Apple Watch gave her a notification: her resting heart rate had reached 190 beats per minute, recommending that she seek medical attention. 
 Her mother, a registered nurse, then took her to a walk-in clinic, and later to an emergency room, where doctors gave her a diagnosis of chronic kidney disease, for which she had expressed no previous symptoms. - Apple Insider

I have not worn a watch in years but am rethinking that decision. Who knew a gadget could be a lifesaver?

And speaking of apples (not Apples), did William Tell really exist and did he shoot an apple placed on his son's head? Smithsonian has the answer.


Maybe Isaac Newton didn't discover gravity while sitting under an apple tree.

Is it possible there is nothing more American than mom, apple pie and baseball?

Getting back on track.

Deanna's parents were so grateful for the Apple Watch warning they wrote Tim Cook to express their gratitude for the watch they feel saved their daughters life. Apparently this is not the first time the watch alerted the wearer to a medical emergency.

 A woman late last year used the Emergency SOS feature to summon police after a terrible car accident. And a man in New York, also in 2017, discovered a pulmonary embolism via HeartWatch, Men's Health reported.

InsureBlog is not compensated for this post. We just think it is a great story that needs to get out there.

#AppleWatch #TimCook #ChronicKidneyDisease #DeannaRechtenwald


Thursday, May 03, 2018

May is DIAM

As in Disability Insurance Awareness Month:



[Hat Tip: Illinois Mutual]

Wednesday, May 02, 2018

Thought experiment

Is it possible, and bear with me now, is it possible that these two facts are (somehow, inexplicably) related?

Ca$h is King

So, last month we noted that New Hampshire was experimenting with a novel approach towards incentivizing price transparency. One of the challenges is that, absent skin in the game, a lot of folks just don't see the value, (or want to put in the effort). But Granite State employees now do have a reason to shop around:

"[A] school nurse who is covered through New Hampshire's state employee health plan, found that choosing a certain facility scored her a $50 check in the mail."

And the idea seems to be catching on:

"The Maine Right to Shop law begins by giving patients direct access to price information, enabling them to make informed decisions about costs of their care."

Actually, that's not true: it "requires health insurance companies offer plans that allow patients to shop for comparable services and provides incentive for them to peruse the healthcare market for treatment that best fits their budget." Plus, whatever savings are realized are split between the carrier and the insured.

This also has potential:

"[A] third key feature of the Maine law allows out-of-network providers to compete for patients on a level playing field ... you can see any provider you want out of network, as long as they are lower-cost."

I like the concept of this approach, but I wonder how carriers will be able to process these kinds of claims. That is, whatever is saved on care may be eaten up by admin costs (and thus) higher premiums. And I'm not the only skeptic:

"Until providers are incentivized to compete for patients based on both the cost and quality of care, the massive waste of resources produced by this predictable market failure is unlikely to be remediated."

Long time readers will recall that I've always been a fan of the 58-state laboratory model, so I'm very interested in seeing how this works out.

[Hat Tip: David Whelan]

Tuesday, May 01, 2018

What to make of this

Shot:

"ObamaCare Could be Driving People to Drink, Study Finds"

The study apparently found a strong correlation between the effects of ObamaCare and increased alcohol consumption.

Which is hardly surprising, really.

[Hat Tip: Ace of Spades]

Chaser:

"Georgia doctor allegedly threatened to 'slit' employees' throats, 'cut' worker's head off, 'roll it down hallway'"

In case you were wondering, it's R45.6.

I did not know this

We've blogged before about the blatant sexual discrimination inherent in the ObamaTax's EHB (Essential Health Benefits) schedule:

"So for all this talk about covering birth control convenience items and mammograms (to name but two), there is no corresponding requirement to cover, say, prostate exams or even STD screening for XY'ers."

This includes, by the way, male birth control items.

But in some states, that's changed. The folks at UnitedHealthcare inform us that:

"The IRS knows that several states have recently adopted laws that require certain health insurance policies and arrangements to provide benefits for male sterilization or male contraceptives without cost sharing [eg "free"]."

This was news to me (also, anyone know which states these would be? Apparently my google-fu is lacking today).

In the event, this created a problem for folks who had (what they thought were) HSA-compliant plans:

"A plan that provides male sterilization and male contraceptive benefits without cost sharing or with a deductible lower than required under Section 223, is not an HDHP, even if the coverage is required by a state." [emphasis added]

Which means that if you're fortunate(?) enough to live in one of these states, and own such a policy, you're prohibited from contributing to your HSA.

Ouch!

The good news is that the Bueauweenies in DC
© have graciously consented to (temporarily) waive that restriction, at least until 2020.

What would be even better would be to require that the ACA actually conform to the 4th Amendment, and either add male contraceptive (and other male-specific) coverage, or do away with such cover altogether.

Hey, a boy can dream, no?