Regulatory Joe

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Are you struggling to understand the many components of regulatory filing for health plans? Regulatory Joe demystifies these complexities with clarity and insight for everyone from seasoned managers to new professionals in the industry. Subscribe to stay up to date with the ever-evolving landscape of new guidelines for health plans.

  1. 15 APR

    What the 2027 NBPP Means for Catastrophic Plans and ACA Strategy (feat. Greg Fann)

    In this episode of Regulatory Joe, Joe Boyle sits down with Greg Fann of Axene Health Partners to break down what the proposed 2027 NBPP could mean for catastrophic plans and ACA market strategy. The conversation explores how expanded eligibility could affect bronze plan relevance, low-premium positioning, and decision-making for issuers heading into the 2027 filing cycle. It also looks at where catastrophic plans actually fit in the ACA market today—and why this targeted policy change could create broader strategic implications than it may seem at first. Joe and Greg also discuss how carriers may respond, what to watch across state-level dynamics, and why this change is most relevant for a specific segment of the market rather than a broad affordability solution. If you work in ACA product strategy, pricing, regulatory filing, or exchange operations, this episode breaks down what matters most as you prepare for the 2027 cycle. Subscribe to get all of Regulatory Joe’s insights or go to https://www.regulatoryjoe.com.

    24 min

  2. 8 APR

    ICHRA for Health Plans: What Issuers Need to Know

    ICHRA can introduce operational risk long before it shows up in membership. For health plans, it functions as a new distribution pathway inside the individual market, which means added complexity across enrollment, billing, and premium flow—not a separate product strategy. This episode of Regulatory Joe focuses on where that complexity actually shows up, including enrollment pathways, payment coordination, lockbox flow, and internal ownership across product and operations teams. It also covers why early alignment matters, especially as plans prepare for filing season and evaluate ICHRA growth. If you’re responsible for individual market strategy, enrollment, or billing, this is where ICHRA decisions start to create real impact.

    8 min

  3. 10 MAR

    Breaking Down the 2027 NBPP: Key ACA Marketplace Changes to Watch

    The PY2027 Notice of Benefit and Payment Parameters (NBPP) introduces several proposed policy changes that could reshape ACA marketplace strategy for health plans. In this episode of Regulatory Joe, Joe Boyle breaks down the most important provisions in the 2027 NBPP and what they could mean for issuer portfolio strategy, enrollment operations, and marketplace participation across states. The proposed rule was released later than usual in the regulatory cycle, creating a compressed timeline for issuers evaluating potential impacts ahead of the next filing season. Together, these proposals could influence how issuers approach plan portfolio design, enrollment verification workflows, and multi-state regulatory strategy as the ACA marketplace continues to evolve. For regulatory and compliance teams, the key question isn’t just what the rule says — it’s how these changes could affect operations, filings, and strategic positioning for plan year 2027. Episode Guide: 00:00 Introduction: PY2027 NBPP overview and timeline 02:00 Standardized plan design removal and ACA portfolio strategy 07:20 Expanded catastrophic plan offerings 10:00 SEP verification and enrollment changes 13:05 State-based marketplace (SBM) expansion 17:05 Network adequacy review flexibility for states Watch the episode for Joe’s breakdown of the provisions regulatory teams should be tracking now. Want more Regulatory Joe? https://www.regulatoryjoe.com

    21 min

  4. 18 FEB

    Ghost Enrollees in the ACA Marketplace Explained

    Ghost enrollees in the ACA marketplace can distort enrollment reporting, affect risk adjustment transfers and increase CMS scrutiny. Even small pockets of unsupported enrollment can ripple through operations and financial reconciliation. In this episode of Regulatory Joe, Joe Boyle breaks down what ghost enrollees actually are — and what they are not. Low utilization alone isn’t the issue. The risk shows up when enrollment patterns, premium payment behavior, repeated plan switching or grace period activity don’t align with normal member behavior. EPISODE GUIDE: 00:00 Defining Ghost Enrollees and What’s Normal 02:00 Point of Sale and Broker-Driven Root Causes 05:00 How CMS Identifies Ghost Enrollee Patterns 10:00 How Health Plans Can ID Ghost Enrollee Patterns 12:00 Root Cause Review: Welcome Packets, Grace Periods, Reinstatement 16:00 Best Practices for Health Plans Subscribe for ongoing ACA compliance guidance built for health plans. Explore ClearFile: clearfilesolutions.com Dive into all of Regulatory Joe’s insights: regulatoryjoe.com

    19 min

  5. 4 FEB

    Life After APTCs: What Health Plans Must Do Now

    Enhanced APTCs expired at the end of 2025, shaping ACA 2027 filing assumptions. With no subsidy extension in place (and any new legislation still uncertain), issuers have to build Plan Year 2027 assumptions off current law—not best-case scenarios. In this episode of Regulatory Joe, Joe Boyle explains why APTC expiration is more than an affordability headline: it changes enrollment behavior, reshapes the risk pool, and creates downstream pressure on risk scores, quality strategy, and operational capacity. You’ll learn where plans feel the impact first (membership projections, rate/benefit planning, cross-functional alignment) and how to stay filing-ready while federal and state guidance develops: anchor to last year’s approved baseline, stress-test multiple scenarios, plan for uneven state responses, and set internal decision cutoffs early to avoid late-cycle filing churn. Get more of Regulatory Joe’s insights: regulatoryjoe.com Get support with your compliance processes: clearfilesolutions.com

    10 min

  6. 28 JAN

    Cost Sharing in ACA Plan Design: What Health Plans Need to Know in a Year of Uncertainty

    Cost sharing has always been foundational to plan design. But heading into the 2027 filing cycle, it’s carrying more weight (and more risk!) than usual. In this episode of Regulatory Joe, Joe Boyle breaks down how issuers should be thinking about cost sharing heading into the next filing cycle. He explains why plans should anchor decisions to last year’s final, state-approved designs and federal EHB benchmark plans, even as assumptions continue to evolve  Joe also walks through how to model multiple cost-sharing scenarios, use available competitive data to inform decisions, and manage changes through version control and clear cutoff dates so plan and benefits templates stay aligned through submission. 💡 Learn more at regulatoryjoe.com

    11 min

  7. 7 JAN

    Healthcare Interoperability Explained (feat. Will Tesch)

    Healthcare interoperability isn’t just about standing up APIs—it’s about ensuring the data being exchanged is accurate, consistent, and usable across systems. In this episode of Regulatory Joe, we’re chatting with Will Tesch (CEO of TESCHGlobal and HealthLX) about how health plans can meet interoperability requirements and prepare what for what’s coming next. Joe Boyle and Will break down why interoperability efforts often stall after go-live, what semantic accuracy really means in practice, and how CMS requirements like CMS-9115-F and the upcoming CMS-0057-F rule are raising the bar for operational readiness. They also explore single sources of truth, canonical data models, and why prior authorization workflows will be one of the biggest interoperability challenges facing health plans in the years ahead. 👉 Watch the full episode and explore more regulatory insights: regulatoryjoe.com Learn more about and TESCHGlobal: https://teschglobal.com/ Learn more about HealthLX: https://www.healthlx.com/

    24 min

  8. 18/12/2025

    2025 Regulatory Highlights for Health Plans, PBMs and TPAs

    2025 brought major ACA, PBM and TPA regulatory shifts—and teams across the healthcare ecosystem felt the impact. This episode recaps the year’s most important compliance lessons and what every organization must prepare for in 2026. Joe breaks down the themes that defined the year: evolving CMS rules, new MPMS processes, tighter pharmacy benefit oversight, complex licensure requirements for PBMs and TPAs, and operational pressures tied to a shortened OEP. You’ll also hear how organizations approached risk adjustment, strategic market planning and data validation across the year’s episodes. If you’re responsible for regulatory strategy, filings, licensure or ACA operations, this recap gives you the context and next steps that matter most. Subscribe and get more of Regulatory Joe’s insights at: regulatoryjoe.com

    14 min
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About

Are you struggling to understand the many components of regulatory filing for health plans? Regulatory Joe demystifies these complexities with clarity and insight for everyone from seasoned managers to new professionals in the industry. Subscribe to stay up to date with the ever-evolving landscape of new guidelines for health plans.

Information

  • Creator
    ClearFile
  • Years Active
    2024 - 2026
  • Episodes
    37
  • Rating
    Clean
  • Copyright
    © Copyright 2025 | All rights reserved.
  • Show Website
    Regulatory Joe