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Rajiv Sabharwal

Rajiv Sabharwal

Rajiv Sabharwal is director at Deloitte Consulting LLP, a member firm of Deloitte Touche Tohmatsu Limited (DTTL), a UK private company limited by guarantee.
  • Exchanging the exchanges

    I always have had an ear for conspiracy theories. I still watch Oliver Stone's "JFK" almost religiously and freeze frame during the shooting incident. But when it comes to the health care exchanges created by the Patient Protection and Affordable Care Act, even I cannot start to consider a deep-seated conspiracy. The more I look at it, the more obvious the answer becomes: It's simple economics, that greatest leveler of them all.
  • Commentary: How to make health care reform exchanges economically viable

    I always have had an ear for conspiracy theories. I still watch Oliver Stone’s “JFK” almost religiously and freeze frame during the shooting incidence. But when it comes to the health care exchanges created by the Patient Protection and Affordable Care Act, even I cannot start to consider a deep-seated conspiracy. The more I look at it, the more obvious the answer becomes: It's simple economics, that greatest leveler of them all.
  • Medical Loss Ratio: The Good, The Bad, The Confusing

    As you might have guessed from my previous posts, I’m more or less in favor of the health care reform mandates, but there are still individual rules I’m concerned about, and some I’m definitely confused about. This post focuses on one such confusing rule--the requirement for payers to use 85% member premiums toward the MLR (Medical Loss Ratio). Simply, payers must spend at least 85% of the amount they collect toward the cost of care.