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A flurry of media activity followed the Wall Street Journal’s September story that 30,000 McDonald's employees could lose their healthcare if HHS did not grant them a waiver from the Obamacare requirements. A waiver was granted, confirming the belief of many that Obamacare was a mistake.

As it turns out, McDonald's, and other employers that offer “mini-med” plans to their employees, actually need two waivers if their mini-med plans are to survive. Read more »

Essentially, a Medical Loss Ratio (MLR) is the percentage of money a health insurance plan spends on health benefits from each premium dollar. Obamacare sets a minimum MLR of 85% (80% for plans that insure individuals or small businesses with fewer than 100 employees). If an insurer’s MLR falls below this minimum, it must issue refunds to its enrollees for the difference.

But the formula is a little more complex than that. Read more »

We all know that regulations come at a cost to consumers, but what are those costs and how are they calculated?

In an attempt to justify the onerous new mandates for health insurance plans the Obama Administration has included some peculiar cost estimates as part of their new regulations implementing the Obamacare legislation. Read more »

The ObamacareWatcher.org project was initiated by the Americans for Limited Government Research Foundation in 2010 in response to the Patient Protection and Affordable Care Act--better known as Obamacare.

ObamacareWatcher.org tracks the millions of words of regulations that are being written in order to implement Obamacare. It is our goal to help the public understand what these regulations will do so and to encourage them to get involved in the regulatory process by submitting official comments while these regulations are open for comment. Read more »