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Tuesday, September 1, 2026

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Renata Silva

Renata Silva turns insurance documents into plain sentences, which is harder and more useful than it sounds.

Health Coverage & Insurance

Articles by Renata Silva

UnitedHealth Raised Its 2026 Forecast as Cost Ratio Cooled to 86.7 Percent

UnitedHealth Raised Its 2026 Forecast as Cost Ratio Cooled to 86.7 Percent

Renata Silva

Underwriting After the ACA: What Health Insurers Can and Cannot Price On

Underwriting After the ACA: What Health Insurers Can and Cannot Price On

Renata Silva

AHIP and Blue Cross Blue Shield Pledged New Prior Authorization Reforms

AHIP and Blue Cross Blue Shield Pledged New Prior Authorization Reforms

Renata Silva

Medicaid Expansion: Who Qualifies at 138 Percent of the Poverty Line — and Who Falls in the Gap

Medicaid Expansion: Who Qualifies at 138 Percent of the Poverty Line — and Who Falls in the Gap

Renata Silva

MedPAC's June Report Lands With Medicare Advantage at 55 Percent

MedPAC's June Report Lands With Medicare Advantage at 55 Percent

Renata Silva

How to Read an EOB: What Each Line of Your Explanation of Benefits Means

How to Read an EOB: What Each Line of Your Explanation of Benefits Means

Renata Silva

UnitedHealth's Q1 2026 Cost Ratio Eased to 83.9 Percent

UnitedHealth's Q1 2026 Cost Ratio Eased to 83.9 Percent

Renata Silva

Claim Denied? How the Internal and External Appeal Process Actually Works

Claim Denied? How the Internal and External Appeal Process Actually Works

Renata Silva

CMS Launched an Electronic Prior Authorization Push on May 6

CMS Launched an Electronic Prior Authorization Push on May 6

Renata Silva

Prior Authorization Explained: Why Your Care Waits for Permission and How to Speed It Up

Prior Authorization Explained: Why Your Care Waits for Permission and How to Speed It Up

Renata Silva

CMS Finalizes 2.48 Percent Medicare Advantage Rate Increase for 2027

CMS Finalizes 2.48 Percent Medicare Advantage Rate Increase for 2027

Renata Silva

Medicare Advantage vs Medigap: The Two Roads After Original Medicare

Medicare Advantage vs Medigap: The Two Roads After Original Medicare

Renata Silva

Aetna Finished Its ACA Marketplace Exit: What Members Should Check Now

Aetna Finished Its ACA Marketplace Exit: What Members Should Check Now

Renata Silva

Employer Open Enrollment: A Step-by-Step Method for Choosing the Right Plan

Employer Open Enrollment: A Step-by-Step Method for Choosing the Right Plan

Renata Silva

CMS-0057-F Kicked In January 1: Prior Authorization Records Go Electronic

CMS-0057-F Kicked In January 1: Prior Authorization Records Go Electronic

Renata Silva

HSA vs FSA: Which Health Spending Account Fits Your Budget and Tax Situation

HSA vs FSA: Which Health Spending Account Fits Your Budget and Tax Situation

Renata Silva

UnitedHealth Closes 2025 With $19.0 Billion in Operating Earnings and a 2.7 Percent Margin

UnitedHealth Closes 2025 With $19.0 Billion in Operating Earnings and a 2.7 Percent Margin

Renata Silva

Deductible vs Out-of-Pocket Maximum: The Two Numbers That Decide Your Bill

Deductible vs Out-of-Pocket Maximum: The Two Numbers That Decide Your Bill

Renata Silva

Enhanced Subsidies Expired: 2026 Marketplace Enrollment Dropped by 1.2 Million

Enhanced Subsidies Expired: 2026 Marketplace Enrollment Dropped by 1.2 Million

Renata Silva

ACA Metal Tiers Explained: What Bronze, Silver, Gold and Platinum Actually Measure

ACA Metal Tiers Explained: What Bronze, Silver, Gold and Platinum Actually Measure

Renata Silva