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Health Insurance CEO Pay Sky-Rockets in 2013

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Health Insurance CEO Pay Sky-Rockets in 2013 PHILADELPHIA, May 5, 2014 /PRNewswire-USNewswire/ -- The following is being released by Healthcare-NOW!: Chief executive officers at Fortune 500 health insurance companies, who have opposed new regulations under the Affordable Care Act, emerged this month as one of the ACA's greatest... Reported by PR Newswire 1 hour ago.

Massachusetts study suggests health insurance saves lives

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Giving more people health insurance could save tens of thousands of lives nationwide, according to a new analysis of data from Massachusetts, whose reforms became the model for President Obama's health law. Reported by L.A. Times 1 day ago.

Massachusetts Scraps Its Health Insurance Exchange

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Massachusetts health officials said they are scrapping the state's problem-plagued insurance exchange in favor of a private company's version used in other states, while considering connecting to the federal site as a backup. Reported by Wall Street Journal 1 day ago.

Obamacare working? Sharp drop in Americans without health insurance

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Print—  The percentage of Americans who don’t have health insurance has dropped sharply since the fall of 2013, the Gallup Poll reported Monday, and has reached the lowest point since Gallup began polling on the uninsured in January of 2008. “The uninsured rate peaked at 18.0 percent in the third quarter of 2013, but has consistently declined since then,” Gallup reported. “The downward trend in the uninsured rate coincided with the health insurance marketplace exchange opening in October of 2013 and accelerated as the March 31st deadline to purchase health insurance coverage approached — and passed — for most uninsured Americans.” Despite the rocky start of the healthcare.gov website, eight [...] Reported by SeattlePI.com 23 hours ago.

Report: Massachusetts Will Scrap Broken Romneycare

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The pioneering Massachusetts health insurance exchange that served as the model for Obamacare is too broken to fix, reports said Monday. Reported by Newsmax 22 hours ago.

ColoHealth Offers Solutions for Uninsured Coloradans

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ColoHealth announces short-term health insurance plans as coverage between the Affordable Care Act open enrollment periods.

(PRWEB) May 06, 2014

ColoHealth has announced it will offer short-term medical plans as an alternative form of health coverage for many Coloradans who remain uninsured now that the open enrollment period for 2014 Affordable Care Act (ACA) coverage has ended.

Because health plans cannot be sold after the open enrollment period ends, there are few options for health coverage aside from qualifying for a special enrollment period (SEP).

Short-Term Medical Plans Offer Temporary Protection

Short-term plans offered through ColoHealth are described as providing temporary insurance coverage for up to six months. According to ColoHealth President Wiley Long, “Short-term plans are an exceptional alternative to going without coverage until the next open enrollment period begins November 15, 2014.”

Short-term plans are typically less expensive than traditional plans, and an individual can apply for another short-term plan after his or her first plan expires. A variety of deductible options are also available.

Special Enrollment Periods Require Qualifying Events

Life events such as change in marital status, birth or adoption of a child, or loss of current insurance will qualify for the ACA’s special enrollment period, which typically lasts for 60 days from the qualifying event.

ColoHealth is offering its free service to assist consumers during special enrollment periods, and will advise them of other options to bridge gaps in coverage as well. Individuals and families will also be eligible to apply for premium subsidies during an SEP, a process ColoHealth will also help with.

“Since special enrollment periods only last for a very short time, it’s important that individuals become familiar with how special enrollment periods work and know what their options are,” explains Long.

“We make it a priority to provide access to insurance coverage to everyone, whether they qualify for a special enrollment period or not,” Long continues. “Short-term health plans will be key for individuals who don’t qualify for an SEP.”

Penalties vs. Premiums

Because short-term plans do not meet the standards for “minimal essential coverage” according to the ACA, you could still face a tax penalty of $95 or 1 percent of your adjusted gross income despite having a short-term plan in place.

According to Long, even taking this penalty into account it could still come out to be much less expensive than paying a year’s worth of premiums on a traditional health plan.

Long goes on to say that most policyholders who had their plans cancelled in 2013 could qualify for an exemption to the tax penalty and should take the necessary steps to apply for such an exemption.

Additional Benefits Offered

ColoHealth also offers additional money-saving tools to help lessen the burden of costly medical care, including discounts for labs and imaging, prescription drug discounts, supplemental accident plans, and even a telemedicine option.

The next open enrollment period for Colorado is scheduled to begin November 15, 2014, and run through February 15, 2015. ColoHealth will continue to inform Coloradans about special enrollment periods and all the options available to them through the beginning of the next open enrollment period.

About ColoHealth

As a leading independent health insurance expert, ColoHealth has helped many Coloradans gain insurance coverage and transition through the changes that have come along with the Affordable Care Act.

ColoHealth’s goal is to make sure all Coloradans have insurance coverage that will help ensure their financial stability and promote a healthy lifestyle.

ColoHealth also makes it a priority to keep their clients informed of the continued changes associated with health care reform and how those changes affect most Americans. Reported by PRWeb 19 hours ago.

Why I'm Skipping My Harvard Reunion (A Call to Action)

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*In a few* weeks, the Harvard class of 1989 will be reuniting in Cambridge. There'll be mini-TED talks, a "Taste of New England Dinner," and a chance to sing with the Boston Pops, but I'll be spending the weekend coaching my son's Little League team and hanging out with my family.

Reunions seem unnatural to me. I refuse to participate in the charade of pretending to be surprised to see a classmate, and when I'm asked, "What have you been doing?" as one inevitably is, I never know where to draw the line between "stuff" and the full, self-reflective version one might share with a close friend. I think too much detail implies an exaggerated sense of self-worth and is hence a greater faux pas than too little detail, so I've always hewed closer to the "stuff" version, but this runs its own risk of suggesting you don't think the other person is important enough to merit the full telling of your own story.

It's a minefield and, in the social media era, one that's entirely avoidable. I've never been unable to locate an old friend or classmate online. It's particularly easy for graduates of Harvard, which maintains a great alumni website--it's where Facebook started, after all. Anyone interested in me can find my professional record on LinkedIn, family photos on Facebook, and many hilarious tweets. If one wanted to have a real conversation--as opposed to an exchange of resumes--my address is the third result that comes up when you Google me. I'm a good e-mailer and I like to have lunch.

Curmudgeonly reservations notwithstanding, I've happily attended many reunions for the other institutions with which I've been meaningfully affiliated: East Meadow High School in Long Island, John Jay College of Criminal Justice (the CUNY college where I've taught for the past 14 years), and even the remarkable Brooklyn Technical High School, which my dad attended as a student and later headed as principal. In each instance I've gone as an expression of support for the institution's social mission. Each school, in my view, offers egalitarian access, a nurturing environment, and a ladder to class mobility. I don't think this is true of my alma mater.

I think Harvard can do a lot better.

* * *

*Environmental destruction* may be the defining failure of our generation, but social inequality can't be far behind. Anyone who reads the newspaper knows the dispiriting statistics. Since 1980, the share of market income captured by the richest 10 percent of Americans has increased from 30 to 48 percent. The share earned by the richest one percent increased from 8 to 19 percent. The richest .1 percent quadrupled their income share from 2.6 to 10.4 percent. All the while the adult and child poverty rates have stubbornly hovered around 15 and 22 percent respectively.

Unless something changes the situation in America will get worse, not better. Countries with highly concentrated income tend to have less intergenerational class mobility--a relationship that economists often refer to as the "Great Gatsby Curve." According to a recent IMF report, in the U.S. nearly 50 percent of a parent's economic advantage is passed on to his or her child. By contrast, in the egalitarian Nordic nations of Norway and Denmark the rate is less than 20 percent. In his ubiquitous Capital in the Twenty-First Century, Thomas Piketty argues that if our current system remains in place the rich will devour an even greater share of the pie.

A world in which Walmart's CEO makes 1,034 times more than the company's average employee is ethically troubling to say the least, but the data should worry even the most committed capitalist. A recent AP survey found that most economists think income inequality hurts the economy. In its January paper, the IMF noted "growing evidence that high income inequality can be detrimental to achieving macroeconomic stability and growth." Joining Barack Obama and Paul Krugman in calling income inequality "the defining challenge of our time," are a cast of tycoons, including Warren Buffett, Ron Unz, Nick Hanauer, Steve Silberstein, and Leo Hindery, Jr. As often as Buffett makes his case in moral terms, he notes the economic harm caused by inequality. It creates what Hanauer, a venture capitalist, colorfully calls a "death spiral of falling demand" which he sees as "the signature feature of our economy."

What can make the situation better? Evidence suggests that raising the minimum wage would help incrementally. So too would improving access to health care for the poor. A game changer would be making the tax structure more progressive. To make a dent, Piketty proposes a marginal tax rate of 80 percent for earnings in excess of $500,000 or $1 million per year. That seems about as politically feasible as Dr. James Hansen's elegant idea of taxing fossil fuels and returning the proceeds to taxpayers.

If that's true, the only big-ticket item on the table is improving access to higher education, which the IMF and many economists point to as an idea with great potential. If the data on income inequality is discouraging, though, the data on inequality in education is downright depressing. Children from poor and rich families show no differences in cognitive abilities when tested between eight and twelve-months old, but by age four children from the highest income quintile score 37 percentiles higher on literacy and math tests than children from the lowest income quintile. Higher incomes provide for greater exposure to extracurricular activities which build cognitive abilities exponentially, access to private tutors when you don't understand something, and "enrichment" materials which also help to expand cognitive abilities and critical thinking skills.

As with income disparity, the situation has been growing progressively worse. In the early 1970s, high-income families spent about four times as much as low income on enrichment activities for their children. Today, they spend in excess of seven times more. Unsurprisingly the achievement gap has grown too--by about 40 percent over the past 30 years. Specifically the gap in reading test scores between students in the 90th and 10th income percentiles is about 1.2 standard deviations--that's about the same as the gap between a fourth grader and an eighth grader. College graduation rates have gone up substantially over the past few decades, but this has been driven entirely by increases in graduation rates among the rich. If you're born into the highest income quartile, the chance you'll graduate from college is better than half. If you're born into the lowest quartile, the chance is less than 10 percent.

Education equality seems as daunting as income equality generally, but there's good news. Meaningful change can be accomplished without government intervention, and there's a direct path between reform and results. Few investments yield as great a return as a college degree, which can be a ticket out of poverty and into another class. Consider the dramatic impact of a college degree on the prospects of someone born into the lowest income quintile. According to the Hamilton Project, those who don't finish college have a 45 percent chance of remaining in the bottom quintile and only a five percent chance of ascending to the highest quintile. Those who finish college have only a 16 percent chance of remaining in the lowest quintile and a 19 percent chance of making it into the top quintile.

In plain English, if you're born poor and don't go to college you're likely to remain poor, but if you finish college you're as likely to become rich as to remain poor. That effect holds true regardless where one attends college. Imagine the value of a Harvard degree. The average starting salary for a Harvard graduate is $60,000. It's like Fast Pass at Disneyworld or the TSA PreCheck or one of the many other ways rich people can pay to avoid waiting in line.

If there's hope, it must lie with the schools.

* * *

*In the higher education universe*, which has its own haves and have-nots, Harvard is the biggest have in human history. It has an endowment of $32 billion, which doesn't include the value of its land (Harvard owns 200 acres in Cambridge and 300 acres in nearby Allston collectively estimated to be worth about $6 billion), collections (the library system holds 15 million volumes), physical plant, and intellectual property (Harvard has an extremely broad policy under which it claims an interest in all research conducted by faculty members).

It's the richest university on Earth by a wide margin. The only competitor that's even close is, Yale, which has an endowment of $20 billion. Harvard's worth about 1.6 times more than Yale, a ratio that makes the distribution of wealth among rich humans look egalitarian. Bill Gates topped the most recent Forbes 500 list with a net worth of $76 billion, about $4 billion more than Mexican business magnate Carlos Slim. That's a ratio of 1.05-to-one. Only four other universities have endowments that exceed $10 billion--Princeton, Stanford, MIT, and the University of Texas system. Internationally, no one is close. Cambridge and Oxford each have about $4 billion.

Harvard can puff its chest at its rivals, but even number 50 on the list of most endowed universities (Wellesley: $1.55 billion) is rich by any measure. By contrast, among the 24 institutions that comprise the City University of New York, City College boasts the most Nobel Prize winners among its graduates (nine--not too shabby--Harvard has 21) and the largest endowment, a paltry $200 million. Brooklyn College, which counts among its graduates Nobel Prize winner Stanley Cohen, Alan Dershowitz, and my mom and dad, has $66 million. John Jay College of Criminal Justice, where my wife and I teach, has an endowment of--don't laugh now--$4 million. I'll spare you opening your calculator. Harvard could buy us out 8,000 times. I'm reminded of the awe-inspiring statistic that the wealthiest 67 people in the world are worth more than the poorest 3.5 billion. It's almost impossible to imagine any meaningful change happening in higher education without Harvard playing a leading role.

* * *

*Harvard's response* is that it does its bit, and it's true that it does offer substantial financial aid to its students, so please let me interrupt my diatribe to give credit where it's due. Harvard is a private college and has no legal obligation to offer its students any financial aid. As a teacher, I can't resist evaluating their efforts. The question is what standard to apply. One of the great ironies of modern higher education is that it's far easier to get an A at Harvard, which has runaway grade inflation, than at a public college like John Jay, where standards haven't changed. Who knows what mark simply doing something entitles one to at Harvard? Perhaps an Ivy League professor would give the university a B. I'm not willing to go above a C-minus, but the point here is to acknowledge that it would be unreasonable to give them an F.

Okay, diatribe resumes.

When I attended Harvard the mantra was diversity, which the university began chanting during Freshman Week and repeated incessantly through commencement, like a Danica Patrick Super Bowl commercial. They said diversity so often that even the biggest Harvardphile wanted to vomit. Let's leave aside the fact that when I was there the student body was six percent black and four percent Hispanic, and provisionally grant Harvard the diversity premise. It's true that not everyone there was exactly the same.

Today the mantra is access. When I've aired my arguments about inequity in higher education with Harvard friends--inevitably ruining dinner--they practically jump across the table to tell me about the Harvard Financial Aid Initiative, celebrating its tenth anniversary, which allows anyone whose annual family income is less than $65,000 to attend for free. And, apparently, the college is desperate to give these scholarships away. But, sorry, I don't think that addresses the relevant question. When my friends say, "Harvard let's poor people go for free," my question is, "How many poor people does it let in?"

Aye, there's the rub. Let's put that $65,000 income threshold in context. In 2012, the national median family income was $62,241. So in a fair system, we'd expect to see more than half the class falling below that $65,000 threshold. In fact it's about 20 percent. From there things get substantially more depressing. Each year, the Harvard Crimson surveys freshmen on a variety of attitudinal and demographic questions including family income. In the Class of 2017, 14 percent reported family income in excess of $500,000 per year, another 15 percent made more than $250,000 per year, and 24 percent earned between $125,000 and $250,000. Let's put those numbers into perspective. To be a one-percenter you need to make about $400,000 per year. At least 20 percent of Harvard undergrads are one-percenters. So, at least as many people at Harvard come from the top income percentile as the bottom fifty.

The fact is the Harvard Financial Aid Initiative wasn't designed to change the makeup of the student body. When implemented in 2004, students who came from families earning less than the original $40,000 threshold contributed an average of only $2,300 per year toward tuition. The initial cost of the program was $2 million per year. The initiative was principally about demystifying pricing for poor applicants, which is a worthwhile goal, but quite different than increasing economic diversity

You want to see economic diversity? I'll show you economic diversity. At CUNY, 54 percent of the students live in a household with an annual income less than $30,000, 74 percent are people of color, 44 percent are the first in their family to attend college, and 47 percent work while attending school. More than 80 percent of our students qualify for financial aid.

Harvard isn't CUNY, of course, and my friends hasten to argue that poorer students wouldn't be able to handle the work at Harvard and that the school is merely reproducing inequities that already exist in high school. Not true and not true. Harvard's own dean of undergraduate education says "students being overwhelmed the first year doesn't seem to track with socioeconomic status." On the second count, saying "we're merely producing the status quo" doesn't exactly make one stand up and cheer, but the premise isn't true: colleges are exacerbating the status quo.

Relatively speaking, the data on high school completion are encouraging. There are some complexities to interpreting the data--for example, does one include GEDs or account for the length of time to degree--but the gap between whites and students of color has at a minimum closed substantially. Data from the Bureau of Labor Statistics paints a picture of high school graduates that looks pretty much like America. And yet, though Harvard's record on race has improved, blacks and Hispanic are still underrepresented, as they are at nearly every top college, and, of course, when one looks at the student body in terms of income it looks nothing whatsoever like America.

Now, it's easy to forget that institutions are managed by people, and I don't think for a second that anyone at Harvard is consciously racist or classist. Former presidents Derek Bok and Lawrence Summers have been vocal and eloquent about inequality. Summers calls the growing divide between the children of the rich and the children of the poor "the most serious domestic problem in the United States today." I don't think the members of the Harvard Corporation are moo-hoo-hoo-ing over tea that they've suppressed the minority admissions rate or that nefarious admissions officers are cooing that this year's class is really, really rich. Quite the contrary, admissions officers, often recent college graduates themselves, rank among the gentlest sorts I've ever met. The question then is what institutional dynamics are leading the people who manage Harvard to get it so wrong?

* * *

*The elephant in the room* is legacy. Harvard, like many colleges, treats children of its own graduates, especially generous donors, differently than the general applicant pool. I think also on the table should be a set of stable expectations that certain elite secondary schools have regarding how many of its students will be accepted to Harvard. One out of 20 members from the class of 2017 came from seven schools: Boston Latin, Phillips Academy in Andover, Phillips Exeter Academy, Stuyvesant High School, Noble and Greenough School, Trinity School in New York City, and Lexington High School. Of these only Stuyvesant, Boston Latin, and Lexington are public. Also on the table should be athletic legacy, which, because of Title IX, has the effect of benefitting upper-class students.

Legacy began after World War I as a way to legitimize the exclusion of Jews and other immigrants from Ivy League colleges, as Richard Kahlenberg explains in his book, Affirmative Action for the Rich: Legacy Preferences in College Admissions. Today it functions largely as a mechanism for suppressing Asian-American enrollment. If you want a picture of what a meritocracy might look like, you need look no further than the New York City specialized high schools which make admissions decisions solely on the basis of the SHSAT, a test that closely resembles the SAT. At Stuyvesant High School, the most competitive in the city, 77 percent of the class is Asian. Lest anyone conclude that these students are somehow economically advantaged, about half qualify for free or discounted lunch.

College admissions are anything but transparent, so how legacy actually functions remains largely a mystery. It came under some heat in 2003 when the Supreme Court considered University of Michigan's affirmative action policy. At the time, Harvard's admissions dean William Fitzsimmons said he personally reads all the applications from alumni children. It seems fair to guess that this courtesy wasn't extended to all 34,295 applicants to the class of 2018.

We don't have to speculate though about the impact of legacy. If you're a legacy, your chance of getting into Harvard is about 30 percent. That's lower than the 43 percent legacy acceptance rate for the class of 1993, but admissions rates are much lower overall, so in relative terms the legacy advantage has grown. In 1993, 16 percent of applicants succeeded, so the legacy admit rate was 2.7 times higher than the non-legacy rate. Today the overall acceptance rate is 5.8 percent, so legacies have more than a five-fold relative advantage. One study said that being a legacy is worth approximately 160 points on an applicant's SAT, about as much as being a star athlete. Since there are a finite number of admissions spots available, legacy means that non-legacy applicants are competing for fewer spots. The disparity is so great it makes most sense to conceptualize college applications to elite colleges as two separate competitions: one for children whose parents are legacies, the other for children whose parents aren't.

Who are the legacies? In 2003, Fitzsimmons told the Washington Post that the average SAT score of a legacy admit was "just two points below the school's overall average." Let's put that "just two points" statement in context. One of the most startling statistics in the Crimson survey is the percentage of entering students who had a private admissions counselor--overall it's 12.7 percent. Among applicants whose families earned over $250,000 per year, the rate basically doubled. Among applicants whose families earned less than $80,000 per year, the rate was about half. So after a lifetime of advantage--after attending better schools, with more enrichment opportunities, and having been privately tutored for an exam that's biased in favor of white people and the established elite, this group still can't do as well as everyone else. And then, sorry to be crass, they have someone write their application for them.

The principal justification schools offer is money. Fitzsimmons argues that legacy preferences are essential to "maintain our position as one of the few universities in the country to have totally need-blind admissions." Don't think about that statement too long or blood will start to come out of your eyes. If you want to feel even sicker, read Harvard graduate Dan Golden's The Price of Admissions, required reading for anyone who cares about these issues. Pretty much any section will do the trick, but one experiences a special nausea reading about Harvard's Committee on University Resources (COUR), which isn't a committee in any sense of the word I understand after 14 years in academia. They don't set policy or deliberate. Committee membership is simply a reward for people who have given generously--the standard threshold is $1 million--or who have proven themselves to be especially good fundraisers. Of the 424 COUR members, Golden found that 218 had children at Harvard, a total of 336 kids in all. Since 80 members either didn't have kids or have kids near college age, the rate works out to about one kid at Harvard per major donor.

To justify this massive disparity it'd have to be true that raising this money is imperative and that the big donor model is the only way to do it. I don't buy either premise. As Richard Kahlenberg reports, a study of 100 top universities found no relationship between the existence of legacy preferences and increased generosity. Neither Oxford nor Cambridge nor MIT uses legacy or athletic preferences in admissions decisions. Their prestige is intact, they have ample endowments, and they get great students. Moreover, technology has dramatically changed the nature of fundraising. Barack Obama's 2012 campaign raised $1.1 billion from 4.5 million donors who each contributed an average of $65.89. I can't help but think that relying exclusively on donor whales is an antiquated model. Moreover, if there were a fundraising hit, it would be at most a short-term problem. If Harvard were to admit an economically diverse class, I'm confident those graduates would be successful too. If there were a short term hit, Harvard would be well equipped to handle it, but I don't think it would suffer even temporarily. Not everyone donates strategically. Many do as an acknowledgment of good values. If Harvard committed itself to a meritocratic or egalitarian model of access, I think the money would flow in.

In any event, why is it obvious that the object of the university is to raise as much money as possible? As an empirical matter, Howard Bowen, the late former president of Grinnell College said universities act this way because they have incentives to raise and spend money but none to cut back. The Bowen Hypothesis is that universities, which by and large are nonprofits, raise all the money they can and spend all they raise. But that doesn't make it the right answer. Surely the university has a higher purpose than self-aggrandizement. What better purpose could there be than offering a humane, first-rate education to a representative cross-sample of society?

The other justification offered is tradition. Fitzsimmons says that alumni "bring a special kind of loyalty and enthusiasm for life at the college that makes a real difference in the college climate and makes Harvard a happier place." The author John Sedgwick, whose Harvard ties go back four generations, told The Wall Street Journal that "one of the salient characteristics of a college like Harvard is its history," and that "legacy students are a visible representation of that history and make it real for the students who are attending."

The problem is it's not a history worth preserving. It's a history of wealth, privilege, racism, elitism, and classism. Reading defenses of legacy, I can't help but think of the justifications offered for excluding women from Augusta National or gay boys from the Scouts. I could draw other analogies, but I'd prefer instead to look ahead 375 years and how much grander Harvard's tradition will seem in retrospect when it has broken from the past and fashioned a new university based on merit and equal access.

* * *

*Enough beating up* on rich people: let's talk about how Harvard beats up on the middle class. My freshman year, Harvard tuition was $11,360. Room and board ran another $4,000. All in, including books, snack money, and tickets home on the Eastern shuttle, which cost $40 one way, my parents were on the hook for about $18,000. To put that into perspective, the median annual U.S. family income was $27,735. Back then a New York City principal made around $63,000 per year. I received a couple of modest scholarships but we received no financial aid. So Harvard cost approximately 60 percent of my parents' take-home income. They managed by putting a second mortgage on their home and I helped by taking out some student loans. I finished paying off my college and law school debt six months ago. My dad's still paying off his bit--he's 70 and working full time.

But my how things have changed. Today Harvard is more expensive. All in, a year at school costs about $65,000--that's compared to a national median family income of $62,241. So whereas a year of Harvard cost approximately 65% of an average family's income in 1985, it's now over 104%. A NYC principal makes around $110,000 today, so a year at Harvard now costs substantially more than a principal takes home in a year.

If you happen to make more than $150,000 per year but less than an amount where paying a quarter million dollars doesn't faze you, check out Harvard's net price calculator. Warning: don't do this immediately after reading Dan Golden's book unless you're planning to pay for college with your own life insurance money. A family with an annual income of $150,000 is expected to contribute $19,600--that's about 22 percent of their take home. My wife and I each have a salary of approximately $90,000. After each working second jobs and some pennies I make from my writing, we total about $200,000. Our expected contribution is $49,200--about 42 percent of our take home.

There's a bubble in the range between $150,000 and $225,000 where one is actually penalized for working. The difference between the expected contribution of families making $150,000 and $200,000 per year is $29,600. That's more than the extra amount one takes home after social security and federal and state taxes. Furthermore, Harvard's annual budget surely understates the cost of books and travel home and excludes health insurance, which one is required to have. This may seem trivial, but for many families the cost of insurance exceeds the cost of a CUNY degree.

I've spent many nights thinking about this, and I can't see any way that my wife and I could send our children to private colleges without losing our tenuous grip on what she, a sociologist, says technically is a lower-upper-middle class lifestyle. Depending how real estate does, we might be able to sell our house, move into an apartment, and barely pull it off. But paying for a wedding or helping out with a car or the other things that parents like to do to give their kids a leg up would then be out of the question.

I offer my own situation only as an illustration of a larger picture: higher education in America has become a caste system with the Brahmin track reserved for the super-rich. For the kids who come from families making less than $65,000 per year and are lucky enough to get into Harvard or somewhere similar, college is like a miraculous lifeline into the upper class. But for almost everyone else the decision to attend private college is either financially impossible or possible only by mortgaging a family's future. Many families make this choice--I've met few parents who wouldn't sacrifice almost anything for their kids--but asking families to yield this pound of flesh isn't just an economic matter: it places an inhuman pressure on kids and changes the nature of the college experience.

Harvard Magazine has documented the "careerist mentality" of modern students. On-campus recruiting, which is dominated by private-sector employers in the finance industry, has grown from 2,904 interviews during the 1985-86 academic year to more than 6,000 interviews per year. Administrators say that students are career-minded in their choice of courses, majors, and even extracurriculars, thinking first about what will make their resume attractive to employers, rather than what would be fulfilling.

They're thinking this way, of course, because all but the rich have families at home that they need to support or, at a minimum, help pay back for the supreme sacrifice made for their four years of bliss. Predictably, career choices have shifted dramatically. In 1986, 18 percent of seniors said they intended to enter business. Today, it's approximately 40 percent with the lion's share going into financial services and consulting, where students said they expected to earn between $70,000 and $90,000 per year. The number of people becoming doctors has dropped by half, from 15 percent in 1986 to five percent today. Very few go into public service. Four percent of the Class of 2013 said they'd work in the non-profit sector and another four percent in government or politics. Seven percent said they'd go into education, though this apparently consists principally in participating in Teach for America.

By contrast, in a two-year alumni survey of the John Jay Class of 2011, almost as many people said they worked in the public sector or a non-profit (38%) as worked in private business (41%). I think that says a lot about what young people would choose to do with their lives unconstrained financially and unburdened emotionally by a mountain of debt.

* * *

*The discussion wouldn't* be complete without considering how class and race disparities impact the experience of students. With a milestone reunion approaching, I can't help but reflect on my own college days.

I never felt like I belonged at Harvard. My parents both graduated from Brooklyn College and we lived in an apartment in Brooklyn until moving to East Meadow, which is about as middle class it gets. Most of my high school classmates who continued their education enrolled at a local community college. Our most famous alumnus is Joel Rifkin, class of '77. On weekends I hung out at East Meadow Bowl and Roosevelt Raceway, a nearby harness racing track. By 18, the only rich person I had ever met in my life was the attorney who conducted my alumni interview.

Harvard was like another world. Each of my three freshman roommates came from a rich family, and each had attended prep school. To my recollection, I had never met a prep school graduate prior to Freshman Day in 1985, and I hadn't heard of Andover or Exeter. A wide gulf separated me from them. They were better prepared academically. My roommates, like all of the other prep school graduates, had been doing college level work through high school. I had written precisely one college-level paper--a critical analysis of John Donne's "Valediction Forbidding Mourning." In defense of my high school, each faculty member teachers five classes of approximately 35 students. Having now taught myself for many years I can't imagine how my English teacher--Louis Krauss, bless his soul--graded and commented on 175 twelve-page papers. It supposedly took him a month, and I believe it. Most classes at Exeter have between eight and twelve students.

The social gap was even wider than the academic gap. One of my freshmen roommates told jokes in French. One's father ran an airline. Another's dad ran a college. They had all travelled extensively. I had never left the country. Come summer, they all left for extravagant vacations. I went home and worked as a camp counselor. This isn't to say there weren't nice people--they were. I fondly remember them all joining me one afternoon at a local bowling alley. Bowling was an integral part of how I understood and interacted with the world. Needless to say, the bowling universe couldn't have been more foreign to them. No one ever joined me again.

Looking back, the gap between them and me seems even vaster than I perceived it to be at the time. Some humiliations make me shudder, and I'll only admit to one here in the hope of advancing what seems to me an important discussion. Freshman year, there was some horrible dance scheduled at the dining hall, known as the Freshman Union. The Union smelled of feet and its ceiling somehow had been littered with butter pats. This fact was gleefully noted on campus tours and widely regarded as part of the Union's charm, but I'm a modest germaphobe and lived in fear that one of the pats would lose its adhesiveness, fall to the ground, and smear me in oleaginous humiliation.

So I happily would have passed on the dance. But one of my roommates insisted that I go and set me up with a friend of a friend of a friend, a prep school graduate who went to Wellesley. When we met it took all of three minutes for her to become disinterested in me. I spoke about poker or some other plebian interest and her eyes glazed over. I don't remember exactly. What I do remember exactly is my roommate, not realizing I was within earshot, thanking her for being a good sport and me feeling about one-inch tall.

I wanted to run over and exclaim that I wasn't a charity case--that my high school girlfriend was a cheerleader and surpassingly nice (true). But I knew at some level that wouldn't have been any more effective than driving up to one of the swanky clubs near where I live in Long Island and imploring them to admit me because I possess a sincere love for the game and respect its values (also true). I might have discussed this experience with someone, but I only saw my freshman adviser, a medical resident, three or four times during the year. It was sink or swim at Harvard, a system which works well enough if you have an extensive support system or have already adjusted to living independently, as prep school students have, but for the rest of us not so much. Today, the suicide rate among Harvard students is between three and four times the national average for college-age students, and yet its mental health system remains woeful, as documented by the staff of the Crimson and Eliza Shapiro in the Daily Beast.

This experience shaped my worldview and for the rest of my four years I often saw it as me against them. At the beginning of my junior year when I improbably won an election to head the student government against a capable Andover graduate, who was supported by the incumbent, also an Andover grad, I saw it as a victory for the little people and dreamed of a new egalitarian regime. It was short lived. My successor, a nice guy, was a legacy and his successor, another nice guy, attended a prestigious prep school in Delaware. So that was that and I graduated still thinking it was me against them.

I felt that way and I'm white. Imagine how much of an outsider a person of color must have felt. Things have gotten better, but the class still doesn't look like America. In the Crimson survey of the Class of 2017, about ten percent of the class identified themselves as Black/African-American or Hispanic/Latino. Nationally the numbers are around 13 and 17 percent respectively. I can't imagine anyone watching "I, Too, Am Harvard," in which Harvard students of color recount their experiences of isolation and alienation--and how they overcame them--and not feeling heartbroken and inspired. A magnificent young woman at one point explains, "I didn't really claim Harvard. I go to Harvard, but I'm not really Harvard." I never could have verbalized the feeling as a college student, but that's precisely how I felt.

I understand that experiences vary widely and that many students view their Harvard experience positively, but it's hard for me to imagine anyone other than a rich kid feeling like a first-class citizen. More or less everyone who gets financial aid from Harvard is expected to work as part of the package. Harvard talks about this obligation in language that channels the Calvinistic views of its founder. About one in five Harvard students (guess which ones) serves on the Dorm Crew (officially the Student Porter Program), which goes around and cleans student bathrooms. Believe me, if I've learned one thing at CUNY after 14 years it's that if someone is poor and somehow has managed to make it to college, they don't need to be taught any lessons about hard work. If Harvard wants to teach someone a truly valuable lesson, it'll make the prep school kid clean his own bathroom.

* * *

*As the father* of two daughters, I'd be remiss not to deplore the nine all-male Final Clubs, exclusive social organizations that trace their roots back to the 18th century. Back then Harvard freshmen could join a "freshman club," then a "waiting club," and ultimately a final club. Those were the days! Because of Title IX, the clubs have been forced to operate independently from the college since 1984. It's so independent that I couldn't find a single article about the club in Harvard Magazine, which generally has done an admirable job covering admissions equity issues.

That's because the clubs are an embarrassment. The selection process--so called "punching"--isn't exactly a model of transparency, so we're left to rely on reports offered by former members. By all accounts, relevant admissions factors include legacy, social prominence, wealth, or have attended a prep school. Membership comes with perks--access to prime Harvard Square real estate (collectively valued at more than $20 million), fancy dinners, and, most importantly, access to an extensive alumni network.

In 1987, an undergraduate named Lisa Schkolnick represented by Alan Dershowitz sued one of the final clubs for unlawful discrimination under Massachusetts law. Schkolnick and Dershowitz made a presentation to the student government and asked for our support. My successor--to his lasting credit--advocated for Schkolnick, as did I, but the resolution failed. The student government voted to give Schkolnick $250 to help with costs of her suit but refused to take a stand on the clubs. Later, the state court dismissed her suit for lack of jurisdiction.

I remember thinking at the time that integration was only a matter of time, and I still do, but after 25 years, it's clear the inertial forces of are formidable. In 1993, the undergraduates in the Fly Club voted to go co-ed, but the graduate board delayed implementing the decision until support evaporated. The Fox and Spee Clubs have also voted to admit women only to be overturned by their graduate boards.

Instead the direction of change has been to create all-female Final Clubs, many of which are owned by the male clubs. It feels like "separate but equal," which is a repugnant doctrine, and in any event not applicable. The clubs aren't equal--Harvard College didn't admit women until 1973, and though among high school graduates women outnumber men by a margin, the Class of 2008 was the first to be majority female. Is it surprising that women hold 4.6 percent of the Fortune 1000 CEO positions? I can make an argument that because of this history of exclusion, unequal treatment, and inferior access to role models in leadership positions that women are specially deserving of a place to meet and develop professional connections. No one could possibly advance the need among men for such clubs, which apparently bring out the worst in them. Any parent would cringe reading an undergraduate woman referring to the basement of the Delphic Club as "the scariest, darkest place in the world." Sarah Rankin, director of Harvard's Office of Sexual Assault Prevention and Response calls final clubs "a serious social problem in dire need of a solution."

I understand, of course, that almost all of the arguments I've raised in this essay apply with equal force to other private colleges. Indeed, I hope it's the beginning of a broader discussion. On final clubs, though, Harvard does worse than just about anyplace else. Cornell's Quill and Dagger Club admitted women in 1974. Princeton's eating clubs admitted women almost 25 years ago. Even Skull and Bones admits women, thanks in part to the efforts of John Kerry and former Yale President Benno Schmidt Jr.

It's an abomination. In case you agree, and are also inclined to ruin a few dinners by advancing your position, I'll arm you with a pithy answer for those who ask you, as they inevitably will, whether you support freedom of association: "Yes, I support the right of Harvard, a private institution, not to associate with students who choose to belong to a sexist organization that would be objectionable under any circumstances, but is especially so given the university's problematic history of exclusion and discrimination."

Don't count on dessert.

* * *

*Because of Harvard's* leadership position and its extraordinary wealth, these issues of access and equity resonate in a moral register, but they're also educational issues. These should be the first concern of students, parents, and educators.

The premise is simple: students learn better in diverse environments. Mixing people from different backgrounds, classes, genders, ethnicities, and cultures allows students to learn from one another's strengths and weakness and to share concerns and perspectives. Perhaps one might make an exception for mathematics and pure science classes where certain background knowledge is sometimes necessary, but even here the research suggests that heterogeneity is better. In humanities courses the brining of different viewpoints is undeniably essential to learning and helping prepare students to live in a diverse, democratic environment.

I have a vision of the John Harvard statue jumping up and down screaming "We are diverse! We are diverse!" So I think we need to pause for a moment to define the term more carefully. Even a pair of identical twins is "diverse." They won't have the same attitudes and interests. So any time diversity comes up, we need to specify two things. First, what spectrum are we talking about? A caveat here: infinite spectra exist. We're generally confined to clumsy gross terms like class, race, and gender, but people are surely more than their component parts or, if not, then an amalgam of very nuanced parts which aren't susceptible to easy definition. Moreover, maximizing diversity across one spectrum might lead to diminishing diversity across another.

Second, what degree of mixing constitutes the magical minimum threshold of a "diverse environment?" Let's envision a scale with 1960 University of Alabama at one end and at the other Rutgers University Newark, which came in first on Forbes's ranking of the nation's most diverse colleges. Under the magazine's definition, an ideally diverse school would have one-fifth of its population belong to each of five tracked categories: African American, Asian, Hispanic, White, and American Indian. An ideally class diverse school would have one-fifth of its population come from each of the five income quintiles.

On race, Harvard does okay. When I went to college it was better than 1960 Alabama, but only a bit better than tokenism. Today its record as not nearly as strong as Rutgers, but it's better than it was. On class, of course, it's a disaster. The question is why educators and parents should place priority on class diversity?

If you care about the answer to this question, I commend to you an elegant essay, "The Disadvantages of an Elite Education," by William Deresiewicz, a former Yale professor. Deresiewicz argues that elite educations render people incapable of speaking with people who aren't like them, convey a false sense of self-worth, and acclimate people to a privileged social standing. My own experience teaching at CUNY confirms many of Deresiewicz's lessons. There are many smart people who don't go to elite colleges, often because they can't afford it or because they have families to support, as there are many smart people who don't go to college at all.

Unless you're a legacy or an athlete, admission to an elite college is largely predicated on the SAT. (And it's highly relevant even for the legacies--who need to do better than the other legacies, and the athletes--who need to do well enough.) But the SAT doesn't measure very much. I think a fair reading of the evidence (excluding studies funded by the College Board) is that SAT scores are either correlated minimally or not at all with college performance and are certainly less predictive than high school average. A handful of studies suggest the SAT is modestly predictive of college completion and future income, but none of these control for family income. This is a substantial flaw since the SAT is a biased instrument--scores go up significantly for every additional $20,000 of family income--and family income is itself a predictor of both college graduation and future income. The SAT is simply a test of analytical ability. But analytical ability is no more important in a metaphysical or utilitarian sense than emotional intelligence or creativity or any of the many other types of hard-to-define capacities that help people to succeed. Elite schools cultivate the notion that people who aren't analytically gifted are stupid or talentless or lazy. It's hard to imagine this happening in a more diverse environment.

A more diverse environment would also help to diminish the gross difference between the values inculcated at elite and public colleges. I can't remember anyone at Harvard ever taking attendance or failing to grant a requested extension. At John Jay professors routinely call roll, penalize students who fail to show up, and are generally inflexible about deadlines. Grade inflation is rampant at Ivy League schools; at John Jay and most public colleges it's non-existent. "An elite education not only ushers you into the upper classes; it trains you for the life you will lead once you get there," Deresiewicz writes. At public colleges "they're being conditioned for lives with few second chances, no extensions, little support, narrow opportunity--lives of subordination, supervision, and control, lives of deadlines, not guidelines. At places like Yale, of course, it's the reverse."

Perhaps this is as much a call to action to public colleges as it is to Harvard and Yale, but the effect of the wide gap between the values of the elite and broader society are profound. Here in the Huffington Post, Harvard Business School professors Gautam Mukunda and Rakesh Khurana (the new dean of Harvard College) told the story of how Bain Capital laid off 750 workers at GST Steel and jeopardized the company's entire pension fund, all to make a small profit. The dispiriting part of the story is that Makunda and Khurana say every private equity firm would have acted the same way. The root of the problem, in their view, is the homogeneity of the elite. Because they pass through a handful of schools and institutions, they tend to see only people like themselves, and come to believe that they deserve their wealth and power. This dynamic, they conclude, has wide ranging implication for growing income inequality, the coddling of the financial sector, and even immigration policy.

* * *

*So what would change things?*

*First, end legacy.* This may not be a sufficient condition of a moral university, but it's a necessary one. If we think for a moment about the sort of arguments we might make if we were starting a college from scratch, I could imagine reasonable minds differing over questions such as what would constitute a fair admissions process, where tuition should be set, and how to deal with sensitive issues of race, class, and social inequality. I can't imagine anyone advancing a serious argument in favor of legacy.

*Second, end inquiry into ability to pay. *It's impossible for Harvard and other private colleges to reconcile their self-assigned label of "need blind" with inquiry into whether the candidate intends to seek financial aid (as asked on The Common Application, upon which more than 500 colleges rely) or any other question that might elicit information about the candidate's ability to pay. In a fair system applications would be blind, as on many final exams, with students identified only be a pre-assigned number. It should go without saying that there also should be a firewall between development and admissions.

*Third, recruit better and build pipelines. *What's surpassingly dispiriting about the picture of educational access in the U.S. is that every component of the system is stacked against underprivileged kids; the biases are mutually reinforcing. At birth, poor and rich kids show no difference in intellectual capacities. Shortly thereafter, substantial achievement gaps become noticeable. The gap continues to widen throughout elementary and secondary school, as rich kids have more enrichment opportunities than poor kids, until students take the SAT, an instrument that legitimizes these opportunity disparities as performance disparities, though it's itself a biased instrument.

Then the college application process starts and things get even worse. The typical approach for middle and upper-class high school students is to apply to between 15 and 20 appropriate colleges including a couple of reaches and a couple of safeties. In a recent paper, Stanford's Caroline Hoxby and the University of Virginia's Sarah Turner show that very few high-achieving students from low-income families follow this model and only a small minority apply to a highly selective college. This is often because they misperceive the cost and don't believe they will succeed if admitted.

Hoxby and Turner's research is consistent with my own experience. At John Jay, about 10 percent of the students have never taken the SAT. Many of those who have didn't study for it, and many more don't recall their score. I've taught honors students for 10 years but have yet to meet one who applied to an Ivy League college--even though many have competitive SAT scores, would have gotten into a top college, gone for free, and easily could have handled the work. Hoxby and Turner found beneficial effects for an intervention that informs students and parents about the true net costs of college, waives application fees, and offers continued guidance throughout the process. Clearly changing any dynamic of this system requires nuanced intervention. The recent proposed reforms of the SAT may not be perfect, but at least they begin to model the complexity of the action that's required.

Harvard's response isn't nearly so intricate. Its Undergraduate Minority Recruitment Program reaches out to minority students who perform well on the PSAT and maintains contact with them throughout the admissions process. Again, let's give credit where credit is due--Harvard has no legal obligation here. But targeting student after they have done well on the PSAT is really about competing with other elite colleges for the disadvantaged students who have miraculously survived the system. Harvard gets more than its fair share of these, so it ends up looking pretty good, but recruitment is an entirely different matter than expanding the universe of qualified applicants.

By contrast consider a program that my father runs at Brooklyn Tech. They identify talented disadvantaged sixth graders, offer them three years of summer enrichment opportunities and lab experiences, and then tutor them for the SHSAT. Not surprisingly, Tech's profile is more diverse than any of the specialized high schools, but even my dad would tell you that the ideal intervention would begin even earlier. This is an area where Harvard can invest strategically and make a massive impact.

*Fourth, restructure tuition and financial aid.* I'll offer three models below. I have my preferences among these, but I'd suggest that any is better than the status quo. I note that they're not entirely mutually exclusive.
*A. Make Harvard Free*
Eliminating tuition would create an egalitarian culture and eliminate incentives to select students based on their parents' ability to pay. Cooper Union was free until 2013. One would be hard pressed to find a more diverse student body or a more loyal alumni base, and its academic reputation is outstanding.

Could Harvard afford this? It's difficult to sat how much it costs to run the college, since Harvard faculty teach in different programs, but we can estimate pretty well how much income it would forego. Harvard registers approximately 6,700 undergraduates who pay about $40,000 per year in tuition. That's gross revenue of $268 million. It has recently given about $166 million per year in financial aid grants. So abandoning tuition would mean sacrificing approximately $102 million per year in net revenue. Presuming that the endowment didn't generate any interest and that no one ever contributed to it again, Harvard could run the college tuition free for approximately 313 years. If it picked up the tab for room and board the money would last only 135 years, give or take.

The more substantial concern is that by making tuition free, Harvard would be leaving lots of money on the table from people who can afford to pay. "Is it really sensible to try to make college free for the children of hedge fund managers and CEOs?" asked Kennedy School Professor Christopher Avery when the Crimson floated the idea of free tuition in 2007. Derek Bok echoed the sentiment. "Should we allow the really wealthiest families in America to send their children to Harvard for free?" he asked. "I think even those families wouldn't agree with that." In the language of introductory economics Harvard would be failing to extract lots of consumer surplus. But it already leaves gobs of consumer surplus on the table, a point I'll address presently.
*B. Raise Tuition Dramatically*
Let's speak honestly: tuition is an almost meaningless number. Only about 30 percent of Harvard students pay sticker price, as at most private colleges. The meaningful number is the expected family contribution. How that's calculated has much more impact on families than tuition. Take my family as an example. Our current expected family contribution is $50,000 and we'd receive approximately $10,000 in financial aid. If Harvard doubled tuition, neither our situation nor Harvard's would change. We'd receive $70,000 in financial aid instead of $10,000, but our out-of-pocket expense would remain $50,000. The optics would change. Harvard would appear to be giving us a lot more financial aid, but this simply exposes gross financial aid as another meaningless figure. The cost to Harvard of educating our child wouldn't change.

The only people whose situation would change is the very rich, whose out-of-pocket expenses are capped at the tuition rate regardless of ability to pay. According to the net price calculator a family earning $225,000 per year is expected to contribute $60,350 per year--about 26 percent of their gross income. A family earning $2,250,000 per year is expected to contribute $60,350 per year--about 2.6 percent of their gross income. It's similarly regressive to the social security tax of 6.2 percent on the first $117,000 you earn.

What's the market price of a Harvard degree? Reading Dan Golden's book, it sounds like it's around $1 million. Since Harvard is effectively selling some degrees anyway, wouldn't it be better to be explicit about this, charge full freight, and use the additional revenue to admit more poor students or reduce the expected contributions of middle-class families?
*C. However High Tuition Is Set, Loan Students the Money and Means Test Their Ability to Repay*
Harvard has recently shifted to giving more financial aid as grants instead of loans. The motive is noble, I think. Students are hardly indifferent between the forms of financial aid. In the example above where Harvard doubled tuition, I said our situation wouldn't change. This presumed that the financial aid came as a grant and not a loan. Not many parents could in good conscience allow their child to assume $500,000 in debt.

The calculus would be different, though, if Harvard offered meaningful loan forgiveness. Many professional graduate schools follow this model. Stanford Law School's loan repayment assistance program, generally regarded as the best in the county, forgives the debt of lawyers who work in public service. Tufts recently announced an initiative to repay loans for graduates who choose public service jobs. Program such as these have the potential to shift the career choices that undergraduates make. At Stanford approximately 20 percent of the class of 2010 is working in public service.

Such a model also has the benefit of getting more from people who have the ability to pay. Something seems wrong with a system that gives a free education to a handful of underprivileged students only to train them to become investment bankers and management consultants. Better to educate underprivileged kids to become bankers than rich kids, but I'm not sure why anyone choosing these careers wouldn't be expected to repay the cost of his or her education. Maybe, Heaven forfend, it would create a disincentive to take this path. Derek Bok once said,"We must also ask ourselves whether it is enough to offer a Harvard education to the brightest applicants without asking how their talents will be used. A Harvard education must serve a larger social purpose if it is to justify our existence and inspirit our students."

I imagine an objection to a borrow-first-pay-back-later-if-you-can-plan would be clarity over how much you're going to owe. He's a simple idea: you pay no tuition up front, but pay Harvard one percent of what you make every year for the rest of your life--a secular tithe.

*Finally, restructure admissions.*

I can only imagine how many blasphemes I've uttered to this point, but none I'm sure will be quite so heretical as what I will say last and none would do nearly as much to change the culture of Harvard, higher education, and, dare I say, America. Here it is: make admission random among highly qualified applicants.

Stanford's admissions dean Richard Shaw estimates that about 80 percent of applicants to Stanford can handle the work. What would we be giving up by shifting the focus in admissions from who deserves a spot at Harvard to who's capable of doing the work? Not much. SAT scores have no demonstrable correlation with success in school. What do application essays add in a universe where rich kids can pay someone to write--sorry, edit--their essays.

And, apologies to alumni interviewers, but social science research is clear that interviews are very poorly predictive of performance. Interviewers look for information that supports their pre-conceived belief about a candidate (the technical term is confirmation bias). Their judgments are shaped by superficial characteristics such as a candidate's attractiveness, race and gender. One study found that applicant obesity accounted for 35 percent of the variance in hiring decisions. Interviewers tend to be anchored to their first impressions, and rely heavily on intuition, which is notoriously unreliable.

The only quasi-legitimate fear I could imagine Harvard articulating is that if it admitted randomly among students who scored above, say, 2200 on the SAT, is that its average SAT score might marginally go down (it's currently 2237--remember Harvard admits lots of legacies and athletes who drive the score down). So it might drop in the U.S. News & World Report rankings, although this risk would evaporate if other schools followed suit. The fear would be about going first. I suppose its athletic teams might get worse. It's hard to take this concern seriously.

The offsetting benefits would be immeasurable. Harvard would get a freshman class that mirrored the race, gender, class and ethnicity of the applicant pool. Legacy would disappear as a special status. Many kids whose parents went to Harvard or taught on the faculty would still get in, but only by virtue of proving themselves qualified to attend the school.

Today, the narrative colleges offer is that students are admitted because they deserve to be admitted. But, as Derek Bok said in his final commencement address in 1991:

Admiring the ablest students in America is a noble practice, but in today's society, children from working-class families, from urban ghettos, from country villages, are much too often handicapped by poor schools, by broken homes, by troubled neighborhoods, to fare well in the stiff competition to enter Harvard College. Despite the [millions of] dollars in undergraduate scholarships that we award each year, the fact is that we enroll fewer students from farm communities or blue-collar families than we did 75 or even 100 years ago.
How much more honest and constructive would it be to speak instead of desert of opportunity? To speak of a Harvard education not as an entitlement, but as a gift of enormous magnitude--an opening of one's mind to a lifetime of learning--bestowed as an act of grace upon a select few, each of whom is the beneficiary of great luck. For some this luck comes early and often. For me it came in the form of parents who relentlessly advocated for my educational opportunity and insisted that I live my life as if it had no limits. For others, it comes at the moment when the thick admissions envelope arrives in the mail. But everyone who has had the privilege of walking through Harvard Yard and collecting a diploma is lucky beyond words and should have the humility to say so.* * *How can change happen? Most importantly people need to start speaking up. Student and alumni pressure matters, as we've seen recently in regard to the epidemic of sexual assault on college campuses. Of course, issues of access and equality aren't just Harvard issues. If your alma mater isn't doing enough, say so.

More substantially, I'm working with a group of students including Tara Raghuveer, the immediate past president of the Harvard Undergraduate Council, to start a counter-endowment, provisionally titled the Endowment for Equity. This will be a vehicle, similar to the Endowment for Divestiture, for Harvard alumni to contribute to an escrow fund the release of which will be conditioned on Harvard's ending of legacy preferences, eliminating inquiry into ability to pay, and implementing a meaningful plan to improve class diversity. We hope this will become a model of institutionalized protest that will be emulated at other colleges, and a means for an alumnus or alumna to express support for the nobler purposes of his or her alma mater while also drawing attention to the need for dramatic change.

Like thousands of other Harvard students (and thanks to MOOCs, hundreds of thousands more around the world) I had the privilege to take "Justice" in Sanders Theatre with Professor Michael Sandel. In the language of the course, I cannot say that Harvard or any private college has a duty to admit a more representative class. I advance this only as my vision of the ideal university, in the hopes that others may share it and that, with meaningful progress, I'll join my classmates at our fiftieth reunion.

I'll plan a bowling party. Shoes are on me. Reported by Huffington Post 12 hours ago.

Edifecs Expert to Speak at WEDI National Conference about the Next Phase of the Healthcare Exchanges and How Payers Can Compete

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After Largest Healthcare Expansion in 50 Years, Consumer Experience Moves to Forefront

Bellevue, Wash. (PRWEB) May 06, 2014

Edifecs health information exchange expert John Kelly will discuss the new healthcare purchasing paradigm and how customer experience is key for payers to compete successfully in the insurance marketplace. The 23rd Annual WEDI National Conference in Hollywood, Calif., May 12-15 will focus on best practices for privacy and security, transactions and how to utilize the latest emerging industry trends, including an entire day dedicated to best practices for approaching ICD-10.

The session, “The New Healthcare Purchasing Paradigm: Why the Customer Experience is Paramount in the Ability of a Payer to Compete and Win,” will provide a better understanding of how the new healthcare market place will shift to a defined contribution model and the challenges the movement presents. Plans will need to be redesigned and payers will face increased pressure to meet consumer needs.

WHEN: Monday, May 12, 2014 at 2:20 p.m. – 3:20 p.m. PDT

WHAT: The Affordable Care Act is now less about the exchanges and more about creating a new market for the purchasing of healthcare. The emerging consensus is that the industry will move from a defined benefit to a defined contribution model, and the actual benefit will be purchased by consumers directly from both private and public exchanges. In such a world, the efficiency, flexibility and agility of the whole purchase-to-pay cycle needs to be radically re-engineered. Mr. Kelly will discuss best practice models for moving toward a more individual, consumer-centric process. He will review how customer experience will reign paramount in the ability for a payer to compete and win. This shift will put local and regional plans on more equal footing with national plans. The industry will see much more creativity and flexibility in plan design—similar to the industry patterns seen in the transitions from pensions to 401K's.

This session will also give attendees:·     Detailed information about the healthcare marketplace disruption and how it will change to a defined contribution model, and what this shift means for both private and public exchanges
·     Increased familiarity with the purchase-to-pay cycle and how it needs to be revamped given the marketplace shift
·     A deep understanding of the customer experience priority and how payers can compete by evaluating the type of coverage they are providing and to whom they are providing it

WHO: John Kelly, Principal Business Advisor at Edifecs, is a nationally recognized health information exchange expert. Kelly provides strategic consulting to Edifecs customers, specializing in information exchange and applying the principles of supply chain integration to the healthcare delivery lifecycle. His wide-ranging experience includes serving as CIO of healthcare network provider NaviNet, director of eBusiness Architecture at Harvard Pilgrim Health Care, and managing director of his own health IT consulting firm. Kelly also served as the architect and technical lead for the Commonwealth of Massachusetts’ statewide HIE project, developing a shared infrastructure for the Commonwealth, which supported both the health information and health insurance exchanges.

Edifecs will have a booth at the conference, showcasing its Operating Rules and Smart Trading solutions. For more information on the conference please visit WEDI.

About Edifecs, Inc.

An industry leader since 1996, Edifecs provides global healthcare information technology that reduces administrative cost, improves revenue sustainability, and increases collaboration and operational performance among health organizations, insurers, pharmacy benefit management companies, and other trading partners.

Today, more than 250 healthcare customers use Edifecs technology to unify financial, clinical and administrative transactions from multiple channels, while automating manual business processes such as enrollment, claims and payments management. Edifecs’ solutions and services support international and domestic compliance for HIPAA, Operating Rules and ICD-10. Edifecs’ supply chain management solutions also support over 50 general industry customers.

Edifecs is headquartered in Bellevue, WA with operations internationally. For more information, please visit http://www.edifecs.com. Reported by PRWeb 13 hours ago.

GOP Lawmaker Who Compared Obamacare To Nazi 'Train Rides': It's All Just A Misunderstanding

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The Tennessee lawmaker who likened Democrats who bragged about how many Americans have signed up for health insurance under the Affordable Care Act to Nazis deporting Jews to concentration camps on Monday thinks everyone is just missing the point. The comparison was merely intended to be a clarion call to freedom-loving Americans.

“I regret that some people miss the point of my post,” state Sen. Stacey Campfield (R) wrote in a blog post titled “Here you go.” “It was not to offend. It was to warn. To draw attention to Obamacare and the slippery slope that I see occurring in the lives of myself, my constituents, and the rest of the country with the continued taking of freedom by the federal government.”

Campfield drew condemnation from both Democrats and Republicans on Monday after he wrote on his personal blog that “Democrats bragging about the number of mandatory sign ups for Obamacare is like Germans bragging about the number of manditory [sic] sign ups for ‘train rides’ for Jews in the 40s.”

Tennessee Republican Party Chairman Chris Devaney also called for Campfield to apologize to the Jewish community.

But that didn’t stop the senator from elaborating on the comparison further, even suggesting that “government funded abortion” was the real culprit.

“300 million Americans are at risk from government bureaucrats deciding who should be given life saving medications and who should be denied,” he went on. “Every citizen now faces the possibility of their tax dollars going to pay for a government funded abortion. At no point in our history have we ever faced a federal government and administration with a lower regard for human life, and that is something that I cannot and will not allow to go unchallenged.”

Campfield previously drew rebuke for comparing homosexuality to bestiality and mocking Democrats with a crude joke about pressure cookers after the 2013 Boston Marathon bombing. Reported by Huffington Post 12 hours ago.

Healthy Paws Pet Insurance and MetLife Partner to Offer Pet Health Insurance

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Offering a quality pet health insurance plan from Healthy Paws meets a real need for MetLife's sponsored group members

Bellevue, WA (PRWEB) May 06, 2014

Healthy Paws Pet Insurance, LLC (Healthy Paws) today announced it has entered into an agreement with MetLife (NYSE: MET) to provide the top-rated dog and cat health insurance to MetLife’s sponsored group members through its affinity marketing channel.

With spending on veterinary care rising again last year to over $14 billion, more pet owners are purchasing pet health insurance to protect themselves and their dogs and cats from the growing cost of pet medical care.

"We know how difficult it is to care for a sick or injured pet. Fortunately, advances in veterinary care are helping our cherished four-legged family members recover from serious illnesses and accidents,” said Rob Jackson, co-founder and CEO of Healthy Paws, “But with advances in veterinary care come rapidly rising veterinary costs. Healthy Paws Pet Insurance helps pet parents provide their dogs and cats the best medical care while protecting their hard-earned savings from the high cost of veterinary care.”

MetLife is enhancing the insurance portfolio available to sponsored groups with the addition of Healthy Paws Pet Insurance. The Healthy Paws pet health insurance plan, which is customizable, provides added peace of mind for the members of MetLife sponsored groups and their families and is the only pet insurance to offer unlimited lifetime benefits with an annual deductible.

“With over 60% of households having a least one pet, offering a quality pet health insurance plan from Healthy Paws meets a real need for our sponsored group members,” said James Galli, Vice President of U.S. Sponsored Direct Business at MetLife.

Healthy Paws Pet Insurance plan reimburses up to 90% of covered veterinary costs and provides comprehensive coverage for accidents and illnesses, including congenital and hereditary conditions. Healthy Paws’ customers also can visit any licensed veterinarian in the US—including emergency clinics and specialists.

For more information about Healthy Paws’ pet insurance policies, including free quotes, please visit http://www.healthypawspetinsurance.com.

About Healthy Paws Pet Insurance®
Healthy Paws is one of the leading pet insurers in the U.S. and ranked No. 1 by customers on leading review websites. Aon Corporation, the world's largest global insurance broker is a majority owner of Healthy Paws. Ace Group, an A+ rated insurance carrier, underwrites its insurance policies. For more information about Healthy Paws Pet Insurance, visit http://www.healthypawspetinsurance.com.

Through their 501(c)(3) non-profit organization, The Healthy Paws Foundation, Healthy Paws provides cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries and advanced medical treatments of homeless pets in their care. To learn more about their mission to save more homeless pets and how you can help, visit http://www.healthypawspetinsurance.com/how-we-help.

About MetLife
MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates ("MetLife"), is a leading global provider of insurance, annuities and employee benefit programs. MetLife holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East. For more information, visit http://www.metlife.com. Reported by PRWeb 12 hours ago.

Pets Best Named One of the Best Places to Work in Idaho

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Pets Best Honored With Best Places to Work Award

BOISE, ID (PRWEB) May 06, 2014

Pets Best Insurance Services, LLC (Pets Best), a leading U.S. pet insurance agency, announced today it has been named one of the Best Places to Work in Idaho for the second consecutive year.

Pets Best is among a select group of businesses recognized in 2014 by the Best Places to Work in Idaho, an annual collaboration between the Idaho Business Review and POPULUS, an Idaho-based marketing and HR research firm. Pets Best was highlighted in the Small Employers category, featuring companies with 20 to 99 employees.

The Best Places to Work in Idaho awards are distributed based on the results of confidential employee surveys designed to measure general workplace satisfaction. The program rates companies by their employees’ feedback in five key areas, including compensation and benefits, employee growth and development, and work-life balance. The surveys also measure workplace environment and company management.

Pets Best, founded in 2005 by veterinarian Dr. Jack Stephens, offers a wide range of unique perks for its team members. The agency promotes a fun, animal-friendly work environment, with employees encouraged to bring their pets to the office. This invitation extends beyond just dogs and cats, with a number of other animals, including baby ducks, making appearances at the agency. In addition, Pets Best offers comprehensive benefits, including paying for pet insurance for employees’ four-legged family members.

“Employees at Pets Best are passionate about helping pet owners across the U.S. afford veterinary care for their dogs and cats, and our agency believes it is important to give our employees the same support for their beloved pets,” said Dr. Stephens, who also serves as the agency’s president. “We value our dedicated staff members, and we place a high priority on rewarding hard work with valuable benefits, a positive work environment and a variety of engaging activities.”

Raychel Sagar, customer care manager for Pets Best, said she enjoys coming to work every day because the agency recognizes employees’ contributions and encourages them to enjoy their jobs alongside the pets they love.

“The leadership team at Pets Best not only cares for the pets we insure, they also care about their employees,” Sagar said. “The agency celebrates our successes and thanks employees through company parties, dress-up theme days with games and a variety of other celebrations. Pets Best also formally recognizes outstanding employees on a monthly and quarterly basis. As employees, we are treated like family, and we know our opinions matter.”

Paul Butcher, president and director of research for POPULUS, said local companies must meet a high standard for supporting and rewarding their employees to win an award from the Best Places to Work in Idaho.

“Pets Best won this award because the company takes a great deal of care with promoting the satisfaction, engagement and loyalty of its employees,” Butcher said. “I feel confident saying they have a very strong workplace.”

About Pets Best Insurance Services, LLC
Dr. Jack L. Stephens, president of Pets Best, founded pet insurance in the U.S. in 1981 with a mission to end euthanasia when pet owners couldn’t afford veterinary treatment. Dr. Stephens went on to present the first U.S. pet insurance policy to famous television dog Lassie. Pets Best provides coverage for dogs and cats and is the only veterinarian founded and operated pet insurance agency in the United States. Dr. Stephens leads the Pets Best team with his passion for quality pet care and his expert veterinary knowledge. He is always available to answer questions regarding veterinarian medicine, pet health and pet insurance. The Pets Best team is a group of pet lovers who strive to deliver quality customer service and value. Visit http://www.petsbest.com for more information.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company. Independence American Insurance Company is a member of The IHC Group, an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. For information on The IHC Group, visit: http://www.ihcgroup.com. Additional insurance services administered by Pets Best Insurance Services, LLC are underwritten by Prime Insurance Company. Some existing business is underwritten by Aetna Insurance Company of Connecticut. Each insurer has sole financial responsibility for its own products.

Pets Best is a proud member of the North America Pet Health Insurance Association (NAPHIA). Reported by PRWeb 12 hours ago.

A New Study Says Romneycare Has Saved Thousands Of Lives

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A New Study Says Romneycare Has Saved Thousands Of Lives Eight years after then-Massachusetts Gov. Mitt Romney signed the landmark health-care legislation known as "Romneycare" into law, a new study says it has saved thousands of lives. 

According to new research published this week in the Annals of Internal Medicine, the expansion of health insurance in Massachusetts has resulted in more than 300 lives saved per year since its enactment — a 4.5% reduction.

The law — which expanded Medicaid coverage, offered subsidies in private insurance, and established a mandate to purchase health insurance — is considered the model for the Affordable Care Act.

To conduct the study, the researchers — Benjamin Sommers, Sharon Long, and Katherine Baicker — compared Massachusetts counties with similar counties across the United States that did not have a health insurance expansion program.

Specifically, they looked at conditions "amenable to health care," screening for information on different types of cancer, cardiovascular disease, infections, and other situations in which a person would be more likely to survive with better medical care. Certain types of cancer, for example, can often be prevented with earlier screening or treated more successfully with early detection.

Overall, the researchers found that "health reform in Massachusetts was associated with significant reductions in all-cause mortality and deaths from causes amenable to health care." As Adrianna McIntyre points out at The Incidental Economist, the effects of health reform were more pronounced in counties with comparably lower incomes and with low pre-reform insured rates.

Here's a chart from the study showing the comparison. The gap in deaths between Massachusetts and counties in other states grows wider after 2006, when the law championed by Romney started to be implemented:

The study could lead to some debate over the Massachusetts law's costs — and the costs of the Affordable Care Act — going forward. The study found that for every 830 adults who gained insurance per year, one fewer person died.

According to the Massachusetts Taxpayers Foundation, the state spends about $91 million more per year on health costs compared to the years prior to enactment of the law.

According to projections released by the Congressional Budget Office, the net cost of Obamacare in its first year will be about $36 billion, a number that is expected to grow exponentially as more people gain coverage through federal and state exchanges and through the law's expansion of the federal Medicaid program. The Obama administration said last week that more than 8 million people had enrolled through the exchanges in the law's first open-enrollment period, and about 4.8 million more have gained coverage through the Medicaid expansion.

The authors warned that their study cannot be completely drawn to demonstrate causality. Compared with the nation as a whole, too, Massachusetts differs demographically and has more physicians per capita than any other state. But the authors wrote it will be important to monitor not only the coverage effects from the Affordable Care Act, but also the effects on mortality and other health provisions.

"Although this analysis cannot demonstrate causality, the results offer suggestive evidence that the Affordable Care Act — modeled after the Massachusetts law — may impact not only coverage and access but also mortality," the authors wrote. 

"The extent to which our results generalize to the United States as a whole is therefore unclear, which underscores the need to monitor closely the Affordable Care Act’s effect on coverage, access, and population health across all states."

Join the conversation about this story » Reported by Business Insider 12 hours ago.

United States: The Affordable Care Act—Countdown To Compliance For Employers, Week 34: When Can Carriers Impose Minimum Participation And Minimum Employer Contribution Requirements? (It’s Complicated) - Mintz, Levin, Cohn, Ferris, Glovsky and Popeo, P

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The Affordable Care Act amends the Public Health Service Act to make three important changes to the rules governing health insurance underwriting practices. Reported by Mondaq 10 hours ago.

D.C. Council approves broad new tax on health insurance to cover city’s exchange

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The D.C. Council on Tuesday unanimously approved a one-of-its-kind new tax on all health-related insurance products sold in the nation’s capital to solve a big money problem faced by its online health insurance exchange. Reported by Washington Post 7 hours ago.

National Brain Tumor Society’s Advocates “Head to the Hill” to Speak Up for the Critical Needs of the Brain Tumor Community

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Brain tumor patients, survivors, and caregivers from across the country met with congressional leaders to discuss the issues facing the community.

Washington, D.C. (PRWEB) May 06, 2014

National Brain Tumor Society, the largest nonprofit dedicated to the brain tumor community in the United States, today held its fourth annual “Head to the Hill” advocacy day in Washington, D.C. The event drew nearly 150 brain tumor advocates from 32 different states and the District of Columbia to Capitol Hill to educate their respective congressional delegations on the critical issues currently facing the brain tumor community.

“Head to the Hill has become an important yearly gathering for many patients, survivors, and caregivers to speak up about the issues effecting them,” said N. Paul TonThat, CEO, National Brain Tumor Society. “The voices of those who have been so deeply impacted by this disease are the most powerful advocacy tool, and we’ve seen Congress respond by introducing important pieces of legislation. However, there is still much work to be done, and we are committed to seeing it through.”

Brain tumors, both benign and malignant, are devastating and potentially life-threating illnesses that do not discriminate among who they affect and when. Unfortunately, very little progress has been made in the fight against the disease in the past four decades, and subsequently treatment options for patients remain limited in both number and effectiveness.

Therefore, as a leader in the fight against both adult and pediatric brain tumors, the National Brain Tumor Society and Head to the Hill participants focused their advocacy on three key issues during this year’s Congressional meetings:

1.    Increasing federal funding for government institutions that help facilitate brain tumor research, development, evaluation, and approval
2.    Improving pediatric cancer research and drug development
3.    Supporting oral chemotherapy parity

Federal Funding for Medical Research and Drug Review and Approval
As the largest funder of brain tumor research, the federal government’s investment in the National Institutes of Health, including the National Cancer Institute and National Institute of Neurological Disorders and Stroke, as well as its funding for the U.S. Food and Drug Administration, plays a vital role in the discovery, development and approval of potential new treatments.

As such, brain tumor advocates asked Congress to prioritize funding for these agencies in the Fiscal Year 2015 budget to signal a commitment of support for brain tumor patients. Head to the Hill participants also urged lawmakers to continue support for the Peer Review Cancer Research Program, which makes grants for promising pediatric brain tumor research and is a part of the Department of Defense’s Congressionally Directed Medical Research Programs.

Pediatric Cancer Research and Drug Development
Brain tumors are the second most prevalent childhood cancer, and are the leading cause of cancer-related death in children under the age of 10. While many childhood cancers have seen significant progress in recent years, aggressive and hard-to-treat pediatric cancers – like many malignant brain tumors – have not benefited equally.

The currently pending Caroline Pryce Walker Conquer Childhood Cancer Reauthorization Act (HR 2607/S.1251) would help drive progress for pediatric cancer by creating more opportunities for research, authorizing grants for state registries to identify and track incidence rates and trends, and initiating the study of barriers to pediatric cancer research. The bill was originally passed unanimously in 2008, and brain tumor advocates at Head to the Hill asked their delegations to reauthorize the bill in 2014.

Oral Chemotherapy Parity
Temodar (temozolomide) is the standard of care drug for all brain tumor patients whose treatment includes chemotherapy. Temodar is almost exclusively administered orally, and for this reason health insurance companies often cover the treatment as a prescription drug benefit, rather than as a major medical benefit, such as traditional intravenous chemotherapy. The result is that patients are often subjected to onerous monthly prescription drug co-pays and co-insurance in order to access the only chemotherapy available to treat their brain tumor.

Thus, the National Brain Tumor Society supported the introduction of bipartisan, bicameral oral chemotherapy parity bills in The Cancer Drug Coverage Parity Act (HR 1801) and Cancer Treatment Parity Act (S.1879). The bills would prohibit health insurance plans from charging patients more to access oral chemotherapy drugs, including Temodar, than they would for traditional IV chemotherapy. National Brain Tumor Society played a crucial role in the crafting of the bills, as well as mobilizing efforts to gain co-sponsors and bipartisan support. At Head to the Hill, advocates pressed their representatives and senators to continue moving the legislation forward.

“After losing my father to brain cancer in 2011, I began participating in Head to the Hill and other brain tumor advocacy efforts as a way to fight back against this terrible disease,” said Adrienne Wilk, the National Brain Tumor Society’s State Lead Advocate for Tennessee. “I’ve found there is great value in speaking to, and educating my representatives in Congress on the needs of this community. They are willing to listen; we just need to be there to ask.”

Nearly 700,000 Americans are currently living with a primary brain tumor, and an estimated 14,000 people will die because of a primary malignant brain tumor this year. More so than any other cancer, a brain tumor can have life-altering psychological, cognitive, behavioral, and physical effects. There are no known prevention or early detection methods, and there is no cure.

About National Brain Tumor Society
National Brain Tumor Society is the largest nonprofit organization dedicated to the brain tumor community in the United States. We are fiercely committed to finding better treatments, and ultimately a cure, for people living with a brain tumor today and those who will be diagnosed tomorrow. This means aggressively driving strategic research and advocating for public policies, which meet the critical needs of this community. To learn more, visit http://www.braintumor.org. Reported by PRWeb 7 hours ago.

Harvard Study Suggests Health Insurance Saves Lives. The Hill Wonders If That's A Good Thing.

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Researchers at the Harvard School of Public Health have conducted a study of Massachusetts' Commonwealth Care program, and they've found something very interesting: Now that nearly all Massachusetts residents are required to have health insurance, the state's annual mortality rate is declining. This would ordinarily be considered good news, based on the axiom, "More people dying is bad." You wouldn't think there would be a counterpoint to that, but you'd apparently be wrong, because venerable Beltway newspaper The Hill has stepped up to assert that all of those people who are now alive in Massachusetts were unworthy of saving.

This is, at the very least, a bold take. Most of the other newspapers that covered the story shied away from this "these extra people whose lives were saved probably deserved to die" premise. The Los Angeles Times' headline is "Massachusetts study suggests health insurance saves lives." The New York Times went with "Mortality Drop Seen to Follow ’06 Health Law." Reuters opted for "Deaths fell after Massachusetts healthcare overhaul: study." In general, there was this idea that perhaps keeping all these extra people alive was a net societal good.

Closer to home, the Boston Globe's Deborah Kotz, in a piece titled "Study calls wide Mass. coverage a lifesaver," emphasized the good news that the health care law "may have prevented about 320 deaths a year":
The researchers from the Harvard School of Public Health, in a study published Monday, estimated that the law, which expanded coverage to most residents, has saved about one life for every 830 people who enrolled in health insurance.

“This is a strong and credible finding,” said Austin Frakt, a health economist at Boston University School of Medicine who wrote an editorial that accompanied the study. “I think there’s enough evidence at this point to conclude that health insurance does improve health and mortality.”

Fun fact, from Kotz: "During the four years after Massachusetts implemented the 2006 law, death rates in the state dropped by nearly 3 percent among young and middle-age adults compared with similar populations in states that did not expand coverage, the researchers concluded."

Overall, a pretty happy finding. Then along came The Hill to spoil the party by suggesting that really maybe live-saving health care should be rationed exclusively to people who deserve it, because don't you know that health insurance costs money?
But the costs of saving those people adds heavy costs to the law. To save one person a year, the study concluded about 830 people would have to sign up for health insurance and pay into the exchanges.
Here's an interesting detail that The Hill omits. When people sign up for health insurance in Massachusetts and start paying premiums, they actually get more than the warm, fuzzy feeling that they have contributed to saving one eight-hundred-and-thirtieth of a life. Though, let's face it, that's pretty neat! They also get health insurance, which they can use to see doctors, receive preventive care, acquire prescription medicine, go to hospitals, obtain emergency treatments, and basically have the means at their disposal to potentially save their own lives without going into life-ruining debt.

Another fun fact is that all of the people whose lives have been saved in this scenario have technically paid premiums to receive this care that has allowed them to continue living.

Making the "but maybe those people deserved to die" argument in The Hill's thrilling exposé that health insurance costs money is the Cato Institute's Michael Cannon:
“If we assume the per-person cost of covering those 830 adults is roughly the per-person premium for employer-sponsored coverage in Massachusetts in 2010 (about $5,000), then a back-of-the-envelope calculation suggests that RomneyCare spent $4 million or more per life saved,” Michael Cannon of the Cato Institute wrote on Forbes.
It's probably a good thing that real actuarial math is conducted in serious settings, and not by innumerate people with an envelope and the weird idea that dividing any old large number by any old small number is actually revealing. But for this argument to be correct, it would have to be true that only the people who failed to die derived any benefit from the money spent.

I will submit my two-decade history of "having health insurance" and "not dying" as evidence that this is complete horseshit.

No insurance company, to my mind, has ever said, "If you give us this money, we guarantee your immortality." Also, it's terrible to be sick or to watch people you care about sicken and die when you know that the only reason they aren't being saved is money. At least, it's "terrible" from my perspective, anyway. Obviously I can't speak from the point of view of a moral cretin.

[Would you like to follow me on Twitter? Because why not?] Reported by Huffington Post 7 hours ago.

California Nurses Rally Against Kaiser's $21.7 Billion In Excess Reserve And Endorse Health Insurance Rate Regulation Initiative To Return Billions Of Dollars To Patients, Says Consumer Watchdog Campaign

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OAKLAND, Calif., May 6, 2014 /PRNewswire-USNewswire/ -- At a rally and press conference today, Kaiser nurses and consumer advocates exposed the fact that Kaiser Permanente has accumulated a reserve that is $21.7 billion – 1626 percent – more than required by the state, while... Reported by PR Newswire 7 hours ago.

4 more companies want to join Washington exchange

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Competition is growing in Washington health insurance market. Reported by Miami Herald 7 hours ago.

ObamaCare Makes It Safer Than Ever Not To Purchase Health Insurance -- And That's A Bad Thing (A Response To Michael Hiltzik)

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ObamaCare Makes It Safer Than Ever Not To Purchase Health Insurance -- And That's A Bad Thing (A Response To Michael Hiltzik) Reported by ajc.com 5 hours ago.

1.2 Million Website Visits Drive Connect for Health Colorado Sign-Ups to 129,000 by Enrollment Deadline

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Connect for Health Colorado and CGI (TSX: GIB.A, NYSE: GIB) today announced that 129,000 Coloradans signed up for commercial health insurance through the state’s health insurance marketplace since opening October 1, 2013. Marketplace officials credited their success to effective partnerships and the functionality of the shopping website, built by CGI.

Denver, Colorado (PRWEB) May 06, 2014

Denver, Colorado, May 6, 2014 – Connect for Health Colorado and CGI (TSX: GIB.A, NYSE: GIB) today announced that 129,000 Coloradans signed up for commercial health insurance through the state’s health insurance marketplace since opening October 1, 2013. Marketplace officials credited their success to effective partnerships and the functionality of the shopping website, built by CGI.

“Our strong technology partners enabled Colorado to be a national leader that enrolled citizens into new coverage,” said Patty Fontneau, CEO of Connect for Health Colorado. “In building and launching the shopping website, CGI has been a true partner. They were committed to our mission, delivered on a realistic plan, and their staff went above and beyond to ensure the success of this new service to Colorado.”

After launching in October 2013, Connect for Health enrollments were driven by more than 1.2 million visitors to connectforhealthco.com, which averaged more than 10,000 visits each day by residents who created more than 268,000 customer accounts. Individuals and families on the website gained access to insurance options that included Medicaid coverage and 150 commercial health insurance plans from ten carriers. Small employers were able to create small group plans from up to 92 health insurance plans provided by six carriers. The next open enrollment season begins in November 2014.

Connect for Health Colorado and CGI continue to work to enhance technology for the benefit of consumers and to minimize costs.

“We are proud of our partnership with Connect for Health Colorado, whose leaders had a clear vision for the website, an unrelenting focus on functionality and a common-sense approach to deployment of the state’s insurance exchange,” said Dave Delgado, Senior Vice-President, CGI. “Our work in Colorado stands as a testament to the efforts of hundreds of CGI employees and numerous state and industry partners who ultimately delivered an effective exchange for the people of Colorado.”

About CGI
Founded in 1976, CGI Group Inc. is the fifth largest independent information technology and business process services firm in the world. Approximately 68,000 professionals serve thousands of global clients from offices and delivery centers across the Americas, Europe and Asia Pacific, leveraging a comprehensive portfolio of services including high-end business and IT consulting, systems integration, application development and maintenance, infrastructure management as well as a wide range of proprietary solutions. With annualized revenue in excess of C$10 billion and an order backlog exceeding C$19 billion, CGI shares are listed on the TSX (GIB.A) and the NYSE (GIB). Website: http://www.cgi.com.

About Connect for Health Colorado
Connect for Health Colorado® is the health insurance marketplace built just for Coloradans. It opened for business in October 2013 for individuals, families and small employers across Colorado. This online Marketplace includes a customer support network of Customer Service Center Representatives, Health Coverage Guides and licensed agents and brokers to support customers. Connect for Health Colorado is the only place where Coloradans can access new federal financial assistance to reduce costs. Connect for Health Colorado is a non-profit entity established by a 2011 state law. More information is available at: http://www.ConnectforHealthCO.com.

For more information

CGI
Linda Odorisio
Vice-President, Global Communications
Linda.odorisio(at)cgi(dot)com
+1 703-267-8118

Connect for Health Colorado
Ben Davis
ben(at)onsightpa(dot)com
+1 393-522-6790 Reported by PRWeb 4 hours ago.
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