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> Positive Adolescent Mental Health: Resilience

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“Resilient” adolescents are those who have managed to cope effectively, even in the face of stress and other difficult circumstances, and are poised to enter adulthood with a good chance of positive mental health. Zales 80mm HeartShaped LabCreated Ruby and White Topaz Crown Ring in Sterling Silver 7UheUrd
A number of factors promote resilience in adolescents—among the most important are caring relationships with adults and an easy-going disposition. Blue Nile White Swiss and London Blue Topaz Stationed Necklace in 14k Yellow Gold 3eDetA
Adolescents themselves can use a number of strategies, including exercising regularly, to reduce stress and promote resilience. 4 Schools and communities are also recognizing the importance of resilience and general “emotional intelligence” in adolescents’ lives—a growing number of courses and community programs focus on adolescents’ social-emotional learning and coping skills. 5,6

Zolkoski, S., Bullock, L. (2012). Resilience in children and youth: A Review. Children and Youth Services Review, 34, 2295-2303. Retrieved May 17, 2016, from http://esd113.schoolwires.net/cms/lib3/WA01001093/Centricity/Domain/48/ResilienceResearchChildren.pdf - PDF .
Steinberg, L. (2005). 7th ed. Boston, MA: McGraw Hill.
Carr, A. (Ed.). (2011). (Second ed.). New York, NY: Routledge.
American Academy of Child Adolescent Psychiatry. (2013). . Retrieved February 16, 2016, from http://www.aacap.org/AACAP/Families_and_Youth/Facts_for_Families/Facts_for_Families_Pages/Helping_Teenagers_With_Stress_66.aspx
Snyder, F. J., Flay, B. R., Vucinich, S., Acock, A., Washburn, I. J., Beets, M. W., et al. (2010). Impact of a social-emotional and character development program on school-level indicators of academic achievement, absenteeism, and disciplinary outcomes: A matched-pair, cluster randomized, controlled trial. (1), 26-55
Durlak, J. A., Dymnicki, A. B., Taylor, R. D., Weissberg, R. P., Schellinger, K. B. (2011). The impact of enhancing students' social and emotional learning: A meta-analysis of school-based universal interventions. (1), 405-432.
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However, the Wakely Consulting Group worked together with the Department of Insurance to analyze available plans for 2017, and reports that premiums are increasing an average of Alór Classique Pave Diamond Circle Drop Earrings Yellow 3PvNhVnpyt
for people who aren’t eligible for subsidies and whose current plans are still available for 2017. People who aren’t eligible for subsidies are more likely to select Bronze plans, and the average rate increase on Bronze plans for 2017 (25 percent) is higher than the average rate hikes for the other metal levels.

Subsidies mitigate rate increases significantly for people who are eligible for them, as does selecting a different plan during open enrollment. The Wakely Report indicates that the average second-lowest-cost silver plan in Colorado (on which subsidies are based) will increase in price by 19 percent in 2017, resulting in average premium subsidies that are $126 per member, per month higher in 2017 than they were in 2016. This highlights how essential it is for people to shop in the exchange if there’s any chance they qualify for subsidies, since subsidies are only available in the exchange. The average subsidy in Colorado in 2017 is projected to be $358 per member per month, as opposed to $232 per member per month in 2016.

The Colorado Department of Insurance reviewed rate filings throughout the summer for the carriers that proposed plans for 2017. In the individual market, seven carriers filed rates for on-exchange plans, down from ten in 2016. During the rate review process, rate hikes were adjusted — both up and down — for nearly every carrier. For the seven carriers that are offering plans in the exchange for 2017, proposed and approved average rate increases are as follows:

Bright Health Insurance Company Colorado Choice Anthem Blue Cross Blue Shield

Anthem and Cigna are both significant players in the Colorado market. Their proposed merger has been in the works for months, but the US Department of Justice filed a lawsuit in July to block the merger on antitrust grounds. Cigna and Anthem immediately began to Angara Tanzanite Ring GIA Certified Tanzanite Heart Ring with Baguette Diamonds tc0ackvqhd
, but have also had Angara Oval Garnet Wishbone Pendant with Diamond Accents SYIJMhGU8
, and the future of the merger is unclear.

In the small group market, five carriers have filed rates and plans for 2017 coverage in the exchange. Their proposed rate changes were much more modest than the proposed rate increases in the individual market. Proposed and approved rate changes are as follows:

Colorado Choice: Anthem: Kaiser: Rocky Mountain HMO: Rocky Mountain Healthcare Options:

In both the individual and small group markets, the carriers that have filed plan proposals for the exchange will also sell their products outside the exchange. In addition, several other carriers in the state have plans that will only be marketed off-exchange in 2017.

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