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Retail strategies

Exchanges could bring in millions of potential customers. Insurers need to begin formulating marketing plans now.

Controversy continues to swirl around Medicare's two-year-old policy of not paying for what it considers preventable hospital-acquired condtions. CMS has decided for now not to expand its list of 12 serious adverse events for which it does not reimburse hospitals.

One of the first visible payoffs of the Patient Protection and Affordable Care Act is the $250 rebate checks sent to thousands of seniors with high drug costs. Other strategies are built on questionable long-term outlooks.

Accountable care organizations have become a hot commodity since the Patient Protection and Affordable Care Act opened the door for health plans to contract through an ACO for commercial enrollees. The momentum of ACOs will likely increase.

President Barack Obama nominated Donald Berwick to head the Centers for Medicare and Medicaid Services, the first confirmed leader in this role since 2006. Berwick has been an outspoken critic of waste and inefficiency.

The Patient Protection and Care Act will allow health insurance coverage through state-based health insurance exchanges, expand Medicaid eligibility, and subsidize insurance premiums, all of which involve state implementation.

Although the most revolutionary health reform provisions do not go into effect until 2014, insurers and payers are scurrying to implement a number of big changes required this year.

The challenge of implementing various components of health reform was immediately apparent as one of the first new programs went into effect: establishing state high-risk pools for individuals with pre-existing condtions.

Donut hole closes

PPACA promises to eventually close the coverage gap for seniors.

Under pressure from the Obama administration, insurers say they will not deny health coverage for sick children pending new regulations, and would follow the intent of the law, not the exact language of it.