What the Delayed PY2027 NBPP Means for ACA Filing Operations
This year's PY2027 NBPP didn't just arrive late. It compressed the entire ACA filing season for issuers nationwide.
CMS didn't finalize the rule until May 15, weeks after the QHP application window opened and past some states' own filing deadlines for rates, forms and binders.
In this episode, Cl…
2026 Mid-Year Outlook: Conflict, climate & cost pressures... but cautious optimism?
This week on Unpacking Ag, Sean Hickey, Eliza Redfern and Joe Boyle discuss the recently released 2026 Australian Agriculture Mid-Year Outlook report.
Insights reports:
Discover more with free expert analysis and market updates tailored for your agribusiness: Subscribe to the Bendigo Bank Agrib…
QHP Review & Certification 101: What ACA Issuers Need to Know
Submitting a QHP application is a major milestone, but it is not the end of the certification process.
After submission, ACA issuer teams still have to manage state and federal review, respond to objections and deficiencies, evaluate CMS warnings and keep filings moving toward final approval.
In …
The State-Based Exchange Shift: What ACA Issuers Need to Know
State-based exchanges are changing how ACA issuers file. When a state runs its own marketplace, your timeline, templates, reviewer contact and network review all shift.
ClearFile President Joe Boyle breaks down the move to state-based exchanges (SBEs) and the four operational changes issuers hit w…
Skill Issue
Summary
Three engineers, three very different answers to the same question: how much of your workflow should live in a skill file? The episode moves from a plain-English definition to the org-scale version at Scott's company, then to the small personal skills each host actually opens.
What a skil…
ACA Issuer Filing Updates: Columbus v. Kennedy and the PY2027 QHP Timeline
The Columbus v. Kennedy stay and CMS's revised PY2027 QHP certification timeline are hitting issuers at the same time, right in the middle of the PY2027 filing cycle. Portfolios built around 2027 flexibility now need a second look, and the certification calendar leaves less room to make that happen…
Joe Boyle on FreshStop's Food-First Growth in South Africa
Joe Boyle, CEO of FreshStop in South Africa, tells how the retailer grew from a small produce department into a food-led convenience brand operating more than 340 stores across South Africa, Namibia, and soon Zimbabwe. FreshStop built its own barista, fried chicken, and bakery brands from scratch w…
Feeling sheepish on lamb and wool supply
This week on Unpacking Ag, Sean Hickey and Joe Boyle discuss how the Australian sheep and wool industries are positioned amidst tightening supply following significant destocking. They also cover how the pending US tariffs would impact the Australian industry going forward.
Insights reports:
Di…
Market Update: Spring Surprises and Price Drivers
This week on Unpacking Ag, Eliza Redfern and Joe Boyle discuss the drivers of Australia's agricultural markets as we move through October.
Insights reports:
Discover more with free expert analysis and market updates tailored for your agribusiness: Subscribe to the Bendigo Bank Agribusiness Ins…
QHP Certification 101 for ACA Issuers: What to Check Before Open Enrollment
QHP Certification Notices are out for PY2027, and the plan list CMS certified needs to match what your state approved and what you plan to sell.
In this episode of Regulatory Joe, ClearFile President Joe Boyle explains what the QHP Certification Notice confirms, why state approval does not guarant…
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