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The Center for Consumer Information and Insurance Oversight (CCIIO) is continuing to stay out of the battle over health insurance producer compensation.
But CCIIO, the arm of the Centers for Medicare & Medicaid Services (CMS) in charge of overseeing the Patient Protection and Affordable Care Act (PPACA) exchange systems, notes that brick-and-mortar agents and brokers who work with HealthCare.gov can choose which insurers’ plans to sell.
The Web broker entities (WBE) that register for the ability to connect directly with HealthCare.gov do have to display all of the qualified health plans (QHPs) available to a consumer, and they do have to help consumers enroll in any available QHP, CCIIO officials say in a new batch of guidance, or informal advice, about the role of HealthCare.gov agents, brokers and WBEs.
“With the exception of Web brokers, agents and brokers are not required to display all QHPs or to facilitate enrollment into all QHPs,” officials say.
In California, the District of Columbia and other jurisdictions with locally based exchange programs, the exchange managers can set their own producer standards, officials say.
Both in HealthCare.gov states and in states with locally based, locally run exchanges, state standards may also affect the kinds of relationships producers have with the QHP issuers, officials say.
CCIIO officials say the HealthCare.gov QHP issuers and the issuers’ producers are responsible for creating and using any HealthCare.gov plan compensation agreements.
Officials do not address the issue of mid-year changes in exchange plan producer comp rates.
CCIIO officials say agents and brokers play “a role” in telling consumers about their coverage options, and a “critical role” in support the employers who get coverage through the PPACA Small Business Health Options Program (SHOP).
CCIIO officials have also posted a batch of answers to questions about HealthCare.gov producers. Officials note, for example, that whether producers can get commission for enrolling people in Medicaid managed care plans is up to a state’s insurance regulators and Medicaid program managers.
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CAN STOCKS REGAIN THEIR FOOTING THIS WEEK?
Investors hope so after a very rough start to 2016. Declining oil prices and disappointing manufacturing data in both the U.S. and China helped trigger a global selloff: the major equity indices in Europe and Asia fell between 5-9% last week with our benchmarks following suit. The Dow Jones Industrial Average lost 6.19% in five days to 16,346.45, paralleled by a 6.13% fall for the S&P 500 to 1,922.03 and a 7.27% descent for the Nasdaq Composite to 4,643.60. The week ended with the S&P 9.8% below its May 2015 peak, and with Wall Street hoping for some stability and a decent Q4 earnings season.1,2
292,000 NEW HIRES IN DECEMBER
The Labor Department’s latest employment report affirmed the durability of the U.S. economy. Last month’s impressive payroll growth was complemented by upward revisions to hiring totals for October (307,000) and November (252,000). Economists surveyed by the Wall Street Journal had expected 210,000 new jobs in December. The U-3 and U-6 jobless rates remained at 5.0% and 9.9% last month. Year-over-year wage growth rose to 2.5%.3
FACTORY SECTOR CONTRACTS FOR ANOTHER MONTH
In December, the Institute for Supply Management’s manufacturing PMI remained under 50, slipping 0.4 points lower to a reading of 48.2. ISM’s service sector PMI declined 0.6 points last month, but still showed strong sector growth at 55.3.4
GOLD PRICES CLIMB, OIL PRICES SLIDE
Rallying in the flight to safety that occurred last week, COMEX gold settled Friday at 1,097.90. The yellow metal gained 3.6% in five trading days. NYMEX crude ended the week at its lowest close since 2005 – just $33.16, a price resulting from a 10.0% five-day decline.5
THIS WEEK: Earnings season starts Monday evening with Q4 results from Alcoa. Nothing major is slated for Tuesday. Wednesday, a new Federal Reserve Beige Book appears, plus Q4 results from SuperValu. Earnings from Intel, JPMorgan Chase, and Rocky Mountain Chocolate Factory arrive Thursday. Friday offers earnings from BlackRock, Citigroup, Fastenal, PNC Financial Services, Wells Fargo, Regions Financial, and U.S. Bancorp, the initial January University of Michigan household sentiment index, the December PPI, and reports on December industrial production and retail sales.
| % CHANGE | Y-T-D | 1-YR CHG | 5-YR AVG | 10-YR AVG |
| DJIA | -6.19 | -8.72 | +8.00 | +4.84 |
| NASDAQ | -7.27 | -1.95 | +14.36 | +10.03 |
| S&P 500 | -6.13 | -6.79 | +10.23 | +4.90 |
| REAL YIELD | 1/8 RATE | 1 YR AGO | 5 YRS AGO | 10 YRS AGO |
| 10 YR TIPS | 0.65% | 0.41% | 0.98% | 2.05% |
Sources: investing.com, bigcharts.com, treasury.gov – 1/8/161,6,7,8
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.
The most common question I get is “How is the market right now?”
Home prices have largely recovered since the housing market collapse, and recently released S&P Dow Jones stats show just how much several major markets have improved – but is it all good news?
According to the S&P Dow Jones Case-Shiller Home prices indices, four cities – Denver, Dallas, Boston, and Portland – have set new all-time highs for prices.
Denver has shown 44.3% recovery in home prices since 2012 lows; Dallas has improved 38.3%; Boston has improved 26.7%; and Portland has seen an uptick of 45.7%.
Nationally, American home prices have increased 31% since the low point in 2012.
And while this is good news for originators and others in the housing industry, it seems the recovery has also brought with it affordability issues.
According to Fannie Mae’s November Home Purchase Sentiment Index, consumers are less optimistic about housing prospects. The index decreased 2.4 points to 80.8 in November.
“The challenge of housing affordability coupled with tight supply may be preventing overall housing sentiment from gaining momentum as income growth isn’t keeping pace with the cost of housing,” Fannie Mae said in a release. “Consumers’ net attitudes about the direction of their household income relative to a year ago fell 5 points during the month, setting this HPSI component back to just below its March 2015 level.”
So the recovery – as impressive as it is – has been a double-edged sword for home buyers.
“This year’s housing market is poised to be the best since 2007; however, consumers’ ability and willingness to purchase a home is likely to remain an issue in many regions going forward until we see consumer confidence in their income growth consistently gain traction,” Doug Duncan, senior vice president and chief economist at Fannie Mae, said in a release.
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