Robert Pohls – Pohls & Associates

The American health insurance industry is changing in multiple and significant ways. Many of those changes were directly imposed by legislation. Others are being prompted by implementing regulations. Still others are the…more

The American health insurance industry is changing in multiple and significant ways. Many of those changes were directly imposed by legislation. Others are being prompted by implementing regulations. Still others are the…more

Given its ambitious scope, the Affordable Care Act promises to have a profound impact on health insurers, employers and virtually every American citizen. However, because they occupy a unique place in the health insurance…more

On June 28, 2012, the Supreme Court issued its decision in a trio of cases which challenged the constitutionality of certain provisions in the Affordable Care Act. Ultimately, a majority of the justices concluded that the Act’s…more

On June 28, 2012, the Supreme Court issued its decision in a trio of cases which challenged the constitutionality of certain provisions in the Affordable Care Act. Ultimately, a majority of the justices concluded that the Act’s…more

The Affordable Care Act provides for a substantial expansion of the population that states “must cover” under Medicaid. However, if a state fails to participate in this expansion of Medicaid, the state could lose all of its…more

If the Supreme Court decides that the individual mandate is not constitutional, the next question the Justices will need to answer -- and the question the Justices grappled with in the morning of the third day of oral arguments…more

While oral arguments often are an uncertain guide to how the Supreme Court will vote, the Justices’ questions and comments during the second day of oral arguments about the Affordable Care Act signaled that the Supreme Court’s…more

The first day of oral arguments before the Supreme Court on the constitutionality of the Affordable Care Act addressed whether the challenges to the Affordable Care Act are barred by the Tax Anti-Injunction Act. As expected, a…more

On November 14, 2011, the Supreme Court granted certiorari in three cases which involve constitutional challenges to the Patient Protection and Affordable Care Act (“Affordable Care Act”). In recognition of the importance and…more

While many of the changes mandated by the Affordable Care Act are new, others are not. Rather, many of the Affordable Care Act’s provisions serve to give life to old ideas and programs that were considered (if not tried) in the…more

On March 23, 2010, President Barack Obama signed the Patient Protection and Affordable Care Act (Affordable Care Act). The measure became law when, on March 30, 2000, he also signed the Health Care and Education Reconciliation…more

Long term care insurance protects against a particular class of financial losses caused by chronic illness or disability. Specifically, it enables policyholders to offset the substantial costs of any home care, nursing care or…more

National health care reform is not a modern concept. Rather, it is an idea that finds its roots in models that European countries first used in the late 1800’s and has been a consistent piece of the American political dialogue…more

Disability claims involving subjective (or “self-reported”) conditions present unique problems. In the typical scenario, the condition that is alleged to have caused the disability cannot be confirmed by objective medical…more