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Can three technologists, $40 million, and Obamacare change health insurance forever?

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On Jan. 1, 2014, the federal government will begin subsidizing millions of people's health insurance purchases through Obamacare. "At that point," warned Byron York, an influential conservative columnist with the Washington Examiner, "the Republican mantra of total repeal will become obsolete."

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  Reported by Washington Post 10 hours ago.

Zane Benefits Publishes New Information on the Delayed ACA Employer Mandate

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ACA Employer Mandate and Penalty Delayed until 2015

Park City, Utah (PRWEB) July 26, 2013

Today, Zane Benefits, the online alternative to group health insurance, published new information on the delayed ACA employer mandate.

According to Zane Benefits’ website, the Affordable Care Act (ACA) employer mandate provision has been delayed until 2015. This news was announced July 2, 2013 by the ​US Department of the Treasury on behalf of the Administration.

This significantly impacts large employers (50+ employees) who, were gearing up to either offer affordable, qualified group health coverage in 2014, or be subject to a penalty.

The US Treasury stated that "we are extending this transition relief to the employer shared responsibility payments. These payments will not apply for 2014. Any employer shared responsibility payments will not apply until 2015." Click here for US Treasury Source.

The individual mandate, the individual health insurance tax subsidies, and the state health insurance Marketplaces all remain unaffected and continue to be scheduled to take effect January 1, 2014.

What is the ACA Employer Mandate?

According to Zane Benefits’ website, the ACA includes provisions that applicable large employers (50+ FTE employees) will be required to offer minimum essential coverage that is affordable to employees. Applicable large employers who fail to offer affordable, minimum essential coverage will be required to pay a penalty on their tax return.

Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 10 hours ago.

Combustible Mix Could Lead To 'Crazy' Shutdown

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WASHINGTON -- There hasn't been a government shutdown in nearly two decades, but senior lawmakers on Capitol Hill are finding trickier-than-usual obstacles in their path as they try to come up with must-do legislation to keep federal agencies running after Sept. 30.

Conservatives making a last stand against President Barack Obama's new health care law and Senate Democrats' resistance to a $20 billion spending cut wanted by many, if not most, Republicans are two of the major problems confronting House Speaker John Boehner, R-Ohio, and other GOP leaders.

The combustible mix raises the possibility of the first government shutdown since the 1995-96 battle between President Bill Clinton and GOP insurgents led by Speaker Newt Gingrich. Republicans got the worst of that battle and have avoided shutdowns ever since.

The prevailing thinking is that it will all get worked out since leaders in both parties want to avoid a shutdown. But unlike last year, when Congress opted to delay debate on the so-called fiscal cliff until after the election and the December holidays, there has been little negotiation this time. The differences on spending levels also are more troublesome than last year.

At issue is what is normally routine: a plug-the-gap measure known as a continuing resolution to fund the government for a few weeks or months until a deal can be worked out on appropriations bills giving agencies their operating budgets for the full 2014 fiscal year, which begins Oct. 1.

The appropriations process is hopelessly tangled this year, in great part because the Democratic-led Senate and GOP-controlled House are more than $90 billion apart on how much to spend on Cabinet agency operations. And Oct. 1 is deceptively close since Congress takes the month of August off and has a limited schedule in September because of the Jewish holidays.

The ordinary thing to do would be to continue running the government on autopilot at current levels – as has been done dozens of times since the 1995-96 debacle – to buy time for negotiations this fall on both funding the government and raising the so-called debt limit.

But many tea party Republicans, spurred on by outside groups like the Heritage Foundation and the Club for Growth, which has a history of backing right-wing challengers against incumbents in GOP primaries, are vowing to oppose any short-term bill for keeping the government open that doesn't block spending on Obama's health care law.

"If you pay for a budget that pays for Obamacare ... you have voted for Obamacare," said Sen. Marco Rubio, R-Fla. "Some will say, `That is crazy. You are going to shut down the government over Obamacare.' No. What is crazy is moving forward with this."

While some parts of that law already have taken effect, the biggest and most expensive provisions are just around the corner. Consumers can start shopping for coverage under the new law on Oct. 1, but the insurance doesn't actually take effect until Jan. 1. The law is expected to help more than 25 million uninsured people eventually, through expanded Medicaid programs and new tax credits to help middle-class people buy health insurance if they don't get it from their employers.

Consumers will shop for coverage through online marketplaces or exchanges in each state but, largely because of political opposition from Republicans, the federal government will be running the markets or taking the lead in 35 states. Virtually all Americans will be required to carry health insurance or face fines. The idea behind this "individual mandate" is to get more healthy people into the insurance pool. A coverage mandate on larger businesses has been postponed until 2015.

In the past, GOP leaders have beaten back efforts that made averting a government shutdown contingent on stopping funding for Obama's health care law. But conservatives are casting this as a last stand against a law they detest.

"It's spreading. It's kind of getting out beyond just the tea party. It's starting to get to regular people that are very frustrated with Obamacare," Rep. Lee Terry, R-Neb., said. "That's why it's getting some legs here in the House."

Some Republicans are nervous about the effort, fearing it could complicate routine passage of a continuing resolution. And they say it's not a winning strategy anyway because Obama brings both a veto pen and the White House podium to the battle.

"I think it's the dumbest idea I've ever heard," said Sen. Richard Burr, R-N.C. "Some of these guys need to understand that if you shut down the federal government, you better have a specific reason to do it that's achievable. ... At some point, you're going to open the federal government back up, and Barack Obama's going to be president, and he won't have signed a dissolution of the Affordable Care Act."

"Shutting down the government, I think, that's almost never a good tactic," said Rep. Tom Cole, R-Okla., whose views usually reflect those of Boehner. "It wasn't good for us in 1995; it's not going to be good for us in 2013."

In the Senate, Mike Lee, R-Utah, is rounding up fellow conservatives to pledge to oppose any continuing resolution that funds implementation of the health care law. But Democrats seem sure to get enough support to hit the 60-vote threshold needed to advance the measure past conservative opposition.

A separate wrinkle involves what spending levels to set. Democrats insist, at a minimum, that spending should continue at rates consistent with the current $988 billion cap on appropriations for the 2013 budget year ending Sept. 30. But current law, set by the hard-fought 2011 budget and debt deal, sets a lower cap of $967 billion for 2014 as required by automatic budget cuts known as sequestration. That's the level demanded by many Republicans, including Senate Minority Leader Mitch McConnell, R-Ky.

"We made this commitment on a bipartisan basis two years ago, and we intend to keep it," McConnell told reporters this week.

Under the complex calculations of sequestration, however, the Pentagon would bear virtually all of the additional cuts required to bring the cap on appropriations from $988 billion to $967 billion, which could give Democrats leverage in negotiations later on. Sequestration would take effect in January.

Boehner is facing pressure from conservatives to try to force the $967 billion figure upon Senate Democrats. Their leader, Harry Reid of Nevada, has vowed he won't accept it. Reported by Huffington Post 9 hours ago.

Obamacare driving down health insurance costs for small businesses in Washington

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Obamacare is starting to have some of its intended effects on the price of insurance for small businesses, particularly in the city in which it was conceived.

District officials last week announced that, for the third time since they started posting proposed plans on a new health insurance marketplace for small businesses, an insurer has lowered its initial prices for coverage. It is a sign, they say, that the marketplace will help bring down health costs for businesses, which have skyrocketed in recent years.

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  Reported by Washington Post 8 hours ago.

Maryland rejects health insurers' high rate request

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The Maryland Insurance Administration on Friday approved health insurance premium rates up to 33 percent below what insurers sought for 2014. The approved rates are for plans insurers want to offer through the state’s exchange, Maryland Health Connection. The plans will also be available to individuals and small businesses outside the new virtual marketplace. Insurers had sought steep increases — more than 100 percent in some cases — to their health insurance plans for 2014, in anticipation… Reported by bizjournals 7 hours ago.

Obamacare Goes Hollywood

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On the USA Network primetime show "Royal Pains," actor Mark Feuerstein plays Hank Lawson, a physician who treats well-heeled denizens of the Hamptons, the ritzy beach community on New York's Long Island. But three years ago, he was just a worried father of a very sick little girl.

Feuerstein's daughter Adelaide, now 3, was born with a congenital defect that put her in intensive care at Children's Hospital Los Angeles for almost three months, where she had two open-heart surgeries. The cost of her treatments came to more than $1 million. Feuerstein and his wife Dana Klein, a TV producer and writer who worked on "Friends," have the means to pay for such expensive care, but the ordeal gave them a new perspective on the plight of of the uninsured.

"The reality that there are families all over this country who are discovering heart defects and any other kind of disease or defect in their children and they won't be covered is so heartbreaking," Feuerstein said. "It was already just barely what we could handle with the condition."

That experience is one reason why Feuerstein and "Royal Pains" creator Andrew Lenchewski have signed on to a White House-backed campaign to promote President Barack Obama's health care reform law. The duo plans to create a series of lighthearted Web videos for Funny or Die and YouTube Comedy explaining Obamacare to young adults, who will be critical to making the law's health insurance reforms work.

"By bringing voices to this that are authentic and have stories to tell, hopefully people will understand that this isn't just a political issue," Lenchewski said. "We're not getting up on a pedestal and reading the bill points to them. We're telling stories, we're trying to stimulate conversation, we're trying to make people laugh and understand at the same time."

Lenchewski attended a meeting at the White House Monday -- that included a brief appearance by Obama himself -- along with other entertainers, including "Parks & Recreation" star and producer Amy Poehler, actor and former Obama aide Kal Penn, singer and actress Jennifer Hudson, actor Michael Cera, actress and comedian Aisha Tyler, musician Jason Derulo and executives from YouTube and Funny or Die. Representatives for Oprah Winfrey, Alicia Keys, Bon Jovi and the Grammys also were there, according to the White House.

The administration is hoping that Hollywood's glitz and clout can go a long way toward getting young adults up to speed and enthusiastic about Obamacare, and it believes viral videos and the social media reach of these and other celebrities will bolster the administration's own education and enrollment efforts for the new health insurance exchanges, which will open in each state Oct. 1.

The challenge is real: Polling shows that the public is lukewarm at best about Obamacare and knows little about the law more than three years after its passage. Moreover, the success of the new health insurance marketplaces heavily depends on convincing young, healthy adults that getting coverage is a social responsibility and a good bargain. If those who end up buying health insurance on the exchanges are more often older or sicker people with high medical expenses, premiums will skyrocket.

The Congressional Budget Office projects 7 million people will buy private health insurance through the exchanges and the White House estimates that 2.7 million young adults, or an equivalent proportion, are needed to make the marketplaces work efficiently and keep prices down.

Although surveys show young adults value health insurance and want to get covered, they're more likely to be uninsured. Some of them -- often called "young invincibles" -- go without health insurance by choice, believing the cost of coverage isn't worth it because they don't have health problems. Although younger people tend to have lower incomes and many will qualify for financial assistance under Obamacare, it's still expected to be a tough sell.

"Our job, now that I'm taking on this cause, is to figure out how you convey to all of those 'young invincibles' who think they're immortal that this is real," Feuerstein said.

The people behind "Royal Pains" haven't finalized their plans, but Lenchewski believes he has a message that can resonate with the 18- to 35-year-olds the White House covets, and that the Web is the right place to deliver it.

"The themes are really to make people aware for the law -- more specifically, why it's meaningful to them as young people, why it's becoming a right and not just a privilege through this law, how especially important young people are," Lenchewski said. "We don't want people to feel like they're being lectured to or proselytized to. We want to tell funny, engaging stories that can also help get these messages across."

Like Feuerstein, Lenchewski's views are shaped by personal experience. His father, a physician, died from pancreatic cancer in April. "I saw how difficult it was for him and I constantly thought about how difficult it must be for people who don't have coverage," he said. "That's what really energized me and motivated me to get involved."

Lenchewski and Feuerstein, who both campaigned for Obama in 2012, want to recruit other entertainers. Lenchewski plans to pitch the rest of the "Royal Pains" cast, he said. Feuerstein said he'll shop ideas around to other actors, including the other stars of the upcoming comedy film "Larry Gaye: Renegade Male Flight Attendant," including Rebecca Romijn, Stanley Tucci and Henry Winkler. "I am 100 percent going to ask everyone I can," Feuerstein said.

"I love being creative and I love the idea that I can speak to the demographic that's already watching 'Royal Pains,'" he said. The show averages 5.4 million viewers a week, 699,000 of whom are 18 to 34 years old, according to Lynn Weiss, a spokeswoman for NBCUniversal, which owns the USA Network.

But don't expect to see Dr. Hank Lawson extolling the virtues of Obamacare in an upcoming episode, Lenchewski said. For one thing, the current season is almost over and the next one won't start until after the open enrollment period ends next March, he said.

More important, though, Lenchewski doesn't think the target audience for his health care reform message wants to be preached to by a TV show, even though he believes that audience is open to Web-based communications.

"With this generation, in this medium in particular, there's a higher tolerance for having messages contextualized within the storytelling, whether they be commercial marketing messages or social messages," Lenchewski said. "You can't just drop a line for Hank in the middle of scene where he says, 'Oh, you're not insured? Well, you better get insured come Oct. 1!' I think that's probably going to stink pretty badly and it'll backfire."

Sam Stein contributed reporting. Reported by Huffington Post 6 hours ago.

The President of the Brokerage, Inc. Trains Over 1,500 Health Insurance Agents on the Affordable Care Act in the Second Quarter

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The Brokerage, Inc. stands out as a leader in training insurance agents on how to prepare their business for the implementation of the Affordable Care Act.

Lewisville, TX (PRWEB) July 26, 2013

The Brokerage, Inc., the Texas-based nationally-recognized leader in the Medicare marketplace for over three and a half decades, continues comprehensive training with insurance agents to prepare them for the commencement of the Affordable Care Act (ACA) in 2014.

Since April of 2013, The Brokerage, Inc.’s President, Mike Smith, has trained over 1,500 agents on topics surrounding the Affordable Care Act, such as tax implications, subsidies and exchanges, public versus private exchange plans, tax credits for employers, and the initial enrollment period.

Smith discusses the importance of The Brokerage, Inc.’s training: “Many different types of consumers will look to insurance agents in this period of change. It is imperative that agents are up-to-date and knowledgeable about what precisely the Affordable Care Act means as far as cost, coverage and availability.”

Insurance agents who attend The Brokerage, Inc.’s workshop on health care reform receive information on how the Affordable Care Act is currently affecting and will affect health insurance agents, carriers, employers and consumers in the U.S. The course answers pertinent, timely questions that insurance agents have: How can the insurance agent successfully adjust to the ACA market? How have insurance agents’ commissions been affected thus far? What opportunities does this period of change have to offer? What is the latest information about the Small Business Health Option Program (SHOP)? The Brokerage, Inc. also covers Medicaid and Medicare at their workshops. Through their Medicare training, they discuss various statistics and possible effects of the new legislation in 2014. Continuing education credits may be offered to insurance agents who attend The Brokerage Inc.’s workshops.

“Our training programs are comprehensive, and I believe that’s why they’ve been so successful for the insurance agents,” Smith states. “We will continue with our training initiatives on the Affordable Care Act throughout 2013.”

Enrollment in the Affordable Care Act is available for consumers as early as October 1, 2013.    

For more information on The Brokerage, Inc. and their training programs, go to http://www.thebrokerageinc.com.    

About The Brokerage, Inc.:

The Brokerage, Inc., a national insurance marketing organization specializing in life, health and accident products, has been a nationally-recognized leader in the Medicare marketplace for over 36 years. The Brokerage, Inc. is proud to provide products and marketing services to over 10,000 actively appointed independent agents nationwide. The Brokerage, Inc. helps independent brokers with their marketing efforts and increases the value of their agency with quality Medicare leads, help with Medicare certification, top contracts, free E&O coverage, and marketing support through various avenues year-round, not just during the Annual Enrollment Period. For more information, visit http://www.thebrokerageinc.com. Reported by PRWeb 5 hours ago.

What does the state's largest health insurance company see in Houston?

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The new president for Blue Cross and Blue Shield of Texas has hardly had enough time to unpack his Houston office, but he still managed to find time this week to talk about the insurance company's interest in the region. Blue Cross currently covers about 1.1 million people in the Houston area and expects to add more as the individual mandate — which will require health insurance coverage — goes into effect in 2014. Preston Johnson Jr. started his new role as Blue Cross' president for the Houston… Reported by bizjournals 4 hours ago.

Maryland rejects health insurers' steep rate request

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The Maryland Insurance Administration on Friday approved health insurance premium rates up to 33 percent below what insurers sought for 2014. The approved rates are for plans insurers want to offer through the state exchange's online marketplace, Maryland Health Connection. The plans will also be available to individuals and small businesses outside the new virtual marketplace. Insurers had sought steep increases — more than 100 percent in some cases — to their health insurance plans for 2014,… Reported by bizjournals 4 hours ago.

Minnesota tells insurers to speed up health exchange policy premium details

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State officials are asking health insurance companies to speed up the release of premium information for policies sold on MNsure, which is the state's new health insurance exchange. Reported by TwinCities.com 2 hours ago.

State's Obamacare Insurance Prices Among Cheapest In U.S.

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Health coverage sold on Obamacare's health insurance exchange in Maryland will be among the cheapest in the country, state officials said Friday.

A 21-year-old nonsmoker will be able to buy health insurance that costs as little as $93 a month on the Maryland Health Connection, the state's health insurance exchange, starting Oct. 1 for coverage that takes effect Jan 1, the Maryland Insurance Division revealed in a press release. Rates for insurance with richer benefits and lower deductibles will be higher and premiums will vary by age, residence location, tobacco use and whether family members enroll.

Maryland is the latest state to disclose how much health insurance actually will cost under President Barack Obama's health care reform law. The state joins California, New York and elsewhere in achieving monthly premiums below estimates by the Congressional Budget Office and others. Officials in states including Indiana have released preliminary findings suggesting health insurance costs will skyrocket as a result of the law.

Younger, healthier people who buy inexpensive, bare-bones insurance on today's market may see higher prices for more comprehensive coverage on the exchanges, while older people are expected to see lower rates. People with pre-existing conditions can't be turned down or be charged higher premiums because of their medical histories. The law also prohibits women being charged more than men.

Maryland Gov. Martin O'Malley (D) and his administration have wholeheartedly embraced Obamacare implementation, in stark contrast to the the 34 states, mostly with Republican governors, that left the federal government to erect the health insurance exchanges that will be used by residents who don't get health benefits at work or are employed by small businesses. Maryland also exercised its regulatory authority to force health plans to curb rate increases for next year, such as the 25 percent hike initially requested by CareFirst BlueCross BlueShield in April.

In the Baltimore metropolitan area, a 25-year-old nonsmoker will have access to "bronze" level coverage -- the second-least generous of four tiers of benefits -- for $124 to $237 a month. A 50-year-old nonsmoker will see monthly prices for a "silver" plan ranging from $267 to $470, according to a Maryland Insurance Administration analysis.

By contrast, the median cost of an individual health insurance plan for a 30-year-old, nonsmoking man in Maryland this year is $190 a a month and the cheapest is $62, according to a report issued by the Government Accountability Office this week. An exact comparison can't be made because current plans aren't subject to Obamacare's minimum benefit standards and the least expensive policy has a $10,000 deductible -- far higher than will be allowed on the health insurance exchanges.

The new exchange prices don't account for tax credits available on a sliding scale to people who earn from the federal poverty level -- $11,490 for a single person this year -- and four times that amount. The Maryland Insurance Administration estimates that three-quarters of the people who will use the health insurance exchange will qualify for tax credits that will cut the cost of their coverage. Maryland also is expanding Medicaid to anyone earning up to 133 percent of poverty under Obamacare next year, joining 22 states and the District of Columbia in doing so.

The Maryland Insurance Administration said the state's health insurance premiums are among the lowest available in 12 states that have released pricing information to date.

"Among Bronze plans compared for young adults, Maryland rates were lower than those proposed or approved in all other eight states for which a comparison was possible. For example, the lowest price for a Bronze plan for a 25-year-old in Maryland was $114, compared to $134 in Virginia, $146 in Colorado, $163 in Ohio, $167 in Washington State, and $174 in California," a report by the Maryland Health Connection concludes.

The U.S. Department of Health and Human Services announced last week that premiums in 10 states and the District of Columbia will be lower than Congressional Budget Office projections. The federal government won't issue information about the rates on federally run exchanges until nearer to the beginning of the six-month Obamacare enrollment period that begins in October. Reported by Huffington Post 2 hours ago.

The 40th Time's A Charm? House GOP To Attempt Repealing Obamacare. Again.

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WASHINGTON -- House Republicans plan a 40th attempt at repealing Obamacare next week, with legislation that would block the Internal Revenue Service from enforcing or implementing any portion of the health care reform law.

House Republicans have scheduled a vote next Friday on Rep. Tom Price's (R-Ga.) Keep the IRS Off Your Health Care Act of 2013.

"Public distrust continues of agency that has dozens of powers under Obamacare, and whose actions President Obama has called outrageous," said Doug Heye, spokesman for House Majority Leader Eric Cantor (R-Va.). "As an ever increasing number of Americans -- including labor unions and moderate Democrats -- worry that Obamacare has become a nightmare, it is critical to prevent the IRS from implementing any portion of the law."

Both House Minority Leader Nancy Pelosi (D-Calif.) and Minority Whip Steny Hoyer (D-Md.) issued statements Friday afternoon blasting Republicans for the anticipated vote.

"It is only fitting that Republicans would waste the last week at work this summer voting for the 40th time to repeal the Affordable Care Act and continue their record of no jobs bills, no budget agreement, and no solutions for the middle class," said Pelosi.

"Every day wasted on yet another repeal bill that will never be taken up by the Senate, much less survive a presidential veto, is another day that could have been spent advancing legislation to create jobs for the middle class, negotiating a balanced and bipartisan approach to deficits that can end the painful budget sequester, or debating a path forward on immigration reform," added Hoyer.

Price's bill isn't an explicit vote to fully repeal Obamacare, but it would have the same effect, crippling President Barack Obama's signature law. The IRS is responsible for crucial elements of Obamacare, such as distributing the tax credits that individuals and small businesses will use to defray the cost of health insurance.

Republicans have been going after the IRS in recent weeks after revelations that it targeted tea party groups applying for nonprofit status with extra scrutiny. Later revelations, however, showed that the IRS also screened progressive groups.

"When it comes to an individual's personal health care decisions, no American should be required to answer to the IRS -- an agency that just forfeited its claim to a reputation of impartiality. It has always been an untenable and unacceptable scenario, and we ought to take this common sense step to take the IRS out of health care," said Price when he introduced his bill in May.

Boehner recently said on CBS that the House GOP would continue pushing the repeal of Obamacare -- even though it has no chance of clearing the president's desk.

"The program isn't ready," Boehner told the network. "This is not ready for prime time. This is not good for the country, and we're going to stay at it."

More than a dozen Senate Republicans, led by Sen. Mike Lee (R-Utah), are threatening to block a continuing resolution that would keep the federal government open beyond Sept. 30 if it includes funding for the implementation of Obamacare. In other words, unless Obamacare is repealed, the government would shut down. Several Republican lawmakers have denounced this plan, calling it a "temper tantrum" and "shenanigans." Reported by Huffington Post 2 hours ago.

The GOP's Unhealthy Approach to Obamacare

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Ever since President Obama and other Democrats began working on the Affordable Care Act back in 2009, there was a simple hearts-and-minds fight between them and their opponents over the law. Democrats said, "This is going to be great!" while Republicans said, "This is going to be terrible!" As a citizen, you could believe either one of them, or neither, or a little of both. This coming October, however, enrollment will begin in the new insurance exchanges established by the law, with coverage taking effect on January 1st. At that point, in addition to trying to influence the public's opinions, the administration will be trying to affect their behavior. In particular, the administration will be trying to encourage young people—many of whom don't get insurance through their jobs, and who often believe that they'll never get sick or in an accident—to sign up for coverage. You won't have to work as hard to convince a 60-year-old with diabetes to get covered; Obamacare is just what he's been waiting for. That young person might need a little persuading, which is why Obama is enlisting the aid of actors and musicians to get the word out.

Young people are critical to the effort, because if a system in which insurance companies are no longer allowed to turn people down for coverage is going to work, the risk needs to be spread among both more healthy and less healthy people. Otherwise, you could wind up with a "death spiral," in which only sick people bother to get covered and the costs per enrollee spin out of control. This is what you'd have if the insurance companies are required to take anyone ("guaranteed issue") without an individual mandate. But the individual mandate isn't really a mandate, it's a small fine (significantly less than the cost of insurance itself), which is why some persuasion is necessary.

And this is where Obamacare's opponents see their opening. According to an article published today by Reuters, "Republicans and their allies are mobilizing a counter-offensive including town hall meetings, protests and media promotions to dissuade uninsured Americans from obtaining health coverage." Yes, you read that right. They're actually going to tell people—those who have no health insurance, who are one illness or accident away from bankruptcy, the people whom the old system in all its market-driven wisdom leaves so vulnerable—they're actually going to tell them to stay uninsured.

Words fail us.

*SO THEY SAY*

Even as Congress considers updates to the Voting Rights Act in light of the Court’s ruling, we plan, in the meantime, to fully utilize the law’s remaining sections to subject states to pre-clearance as necessary. My colleagues and I are determined to use every tool at our disposal to stand against such discrimination wherever it is found.

—Attorney General Eric Holder, announcing a plan to take legal action against state-level voter suppression

*DAILY MEME: WHY NORTH CAROLINA IS THE WORST*

· The Republican state legislature is considering the most restrictive voter suppression laws in the country this week. 
· The reason this is all happening? The state won the silver medal in gerrymandering in 2012. 
· It's really bad. One lawyer said the "measures don’t just harm democracy, they seem bent on curbing poll access for working people, young voters, seniors, and the disabled.”
· On Tuesday, the state legislature passed a bill that will let you take your concealed weapon out for a drink.
· Or to the playground!
· A state budget that does serious damage to education and health care passed both houses. 
· A ban on fracking might just get repealed soon.
· A swarm of bees delayed a flight for three hours yesterday in Charlotte.
· In Jacksonville, an alligator ate a dog. Then, authorities killed the alligator. 

*WHAT WE'RE WRITING*

· Women usually wait decades to run for political office. Jaime Fuller writes about Running Start, an organization with a plan to change that.
· GOP lawmakers are trying to change North Carolina’s voting laws from the South’s most progressive to the region’s most restrictive. But, as Abby Rapoport writes, they may win this fight only to lose the long-term battle.

*WHAT WE'RE READING *

· There's a nefarious conservative listserv! They are making the hashtags!
· After her son's death, one mom is fighting for anti-hazing legislation. FratPAC wouldrather she didn't.
· You don't need to read This Town. You only need to read Molly Ball's piece on theThis Town book party.
· Hey, they found a Republican Obamacare supporter! One problem, though. He's dead.
· After the 2010 elections, House Republicans placed a moratorium on earmarks, but some now are reconsidering the hold for fear of giving the President more power.
· An amendment by Representative Justin Amash (R-MI) to defund the NSA's metadata collecting program failed by only twelve votes, with many Democrats voting "yes" despite opposition by the White House.
· A source close to the family says after Anthony Weiner engaged in another online affair, wife Huma Abedin considered leaving him. 
· Fast food workers are looking to expand their protests for a living wage to seven more cities, including Flint, Michigan and Kansas City, Missouri. Low-wage workers at stores like the Dollar Tree and Victoria's Secret are expected to join the protesters.
· "Like the uncle who utters outrageous things during the holiday dinner, King makes everyone else seem reasonable by contrast." The twin problems and positivespresented by Representative Steve King.

*Poll of the Day*

Just 23 percent of Americans under 35 call themselves Republicans, according to a newWall Street Journal/NBC News poll. That’s compared with 50 percent in the same category who consider themselves Democrats. Also according to the poll, only 30 percent of women of any age consider themselves a part of the GOP. Reported by The American Prospect 3 days ago.

Doug Molitor: Doug's Dozen: Koch Bros' Top 12 Slogans Against Health Insurance

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News item:

David Koch-founded FreedomWorks and its GOP allies are mobilizing a counter-offensive including town hall meetings, protests and media promotions... all to dissuade uninsured Americans from obtaining health coverage through Obamacare.

Now, my dad was an insurance man. I grew up in a Republican household where the idea of being well-insured was sacrosanct. We would no more leave a house, a car, or a person uninsured than we would vote for one of those irresponsible, money-frittering Democrats.

So I'm guessing it'll take a lot of convincing to turn young Republicans (and other trusting types) against the idea of paying in money for the inevitable day when they'll need it.

See, this time, they have to convince young people to work against their own interests. Will the FreedomWorks crew be able to find young quadriplegics willing to wave "Hands off my right to die in a gutter" signs?

Well, I'm sure the Koch boys are up to the task.

In fact, I've seen some focus group tests. So here are...

DOUG'S DOZEN: KOCH BROS' TOP 12 SLOGANS AGAINST HEALTH INSURANCE

1. "What do you mean, you're afraid of cancer? What are you, a pussy?"

2. "Trust us, this will work even better than those tax cuts that led to the crash."

3. "If you buy health insurance, you won't be able to afford lotto tickets!"

4. "You want to turn this country into France, where they outlive us by three years?"

5. "Kid, you don't want to get old... not after we gut Social Security."

6. "I bet you're one of those wimps who has fire insurance, too."

7. "It's all a scam to help Obama's black pal who does those Allstate ads."

8. "The Constitution says you can't be forced to buy a product (except body armor when we send your Guard unit to Iraq)."

9. "If Jesus wants you healthy, He'll cure you Himself."

10. "Waste of money. Earth will be obliterated soon, cause we're also cutting funds for the Asteroid Watch."

11."Are you going to trust a Kenyan Muslim Marxist Nazi insurance salesman?"

12. "Why, this will destroy Medicare... if we're lucky."

____________________

See more Doug's Dozen lists and Doug's comic novel at www.dougsdozen.com. Reported by Huffington Post 2 days ago.

FinanceSpectrum.com Gives Thumbs-Up to MLB Advertising for the Affordable Care Act

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After a news report was published in NPR on July 8th entitled, “Insurance Pitch to Young Adults Started in Fenway Park,” FinanceSpectrum.com financial advice column took a bold stand supporting the federal government’s new means of spreading the word about the upcoming healthcare changes, by reaching young adults through professional sports games.

Boston, MA (PRWEB) July 26, 2013

Financial advice online column FinanceSpectrum.com today released their support of the federal government’s efforts to reach Americans through major league baseball games regarding the pending Affordable Care Act. FinanceSpectrum.com feared that many U.S. consumers would not properly educate themselves on the slew of changes to healthcare slated to occur in October, and believes it is wise to seek people out during times when they will be tuned into radios, televisions, and in person.

In an NPR article published July 8th by Eric Whitney, he reported that the White House and its state partners are doing what they can to get professional baseball teams, and other professional sports franchises, to aid them with reaching U.S. citizens to inform the nation about upcoming changes to healthcare. With the Affordable Care Act (ACA) slated to roll out in October, Whitney stated that the federal government is advertising to the country to explain to people how to go about signing up for new health insurance policies—because as he reports, polls have revealed that most Americans do not have firm grasp of how they are supposed to go about making the necessary changes in October. Things will be different for families and seniors alike, how can the federal government reach everyone? Whitney’s article showed that advertising through pro sports teams worked for Massachusetts in 2007, but that some Republicans aren’t enthused by the idea and the NFL reportedly turned down the idea to help with the marketing.

FinanceSpectrum.com is okay with bringing marketing to sports arenas, stating that they have three reasons why they’re so supportive of the idea. FinanceSpectrum.com is quoted as saying, “Number one, baseball is as American a game as it gets, so why not allow messages about the national changes to our health insurance be publicized at the games? It all comes down to keeping Americans in the loop about big new changes which could affect them a great deal. Number two, they already advertise for everything under the sun at ball games, so they might as well advertise for something truly worthwhile. You can’t look at a baseball stadium without seeing dozens upon dozens of banners and signs advertising this company or another, so why stop at insurance companies, sporting goods stores, banks, and grocery stores? What’s the difference between seeing a Burger King sign, versus a Colonial Penn sign, or a Sports Authority sign, or hearing the Sleep Country jingle when you’re listening to a game broadcast? And our final reason: we fear that many people will not go out of their way to research the health care changes, and as such, it’s better to go out and reach them on their level to get the point across.”

Whitney reported in the above-mentioned article that when Massachusetts passed a state late in 2007 that required all residents to possess health insurance, the Red Sox allowed the state to spread the news at baseball games. In all likelihood, this is where the idea to advertise at pro-ball games originated. Charles Steinberg, a Red Sox executive, is quoted as saying of his experience in 2007, “We didn't have negative feedback. In American democracy we debate issues and we come to resolution and we pass laws. And those laws are designed to benefit the people. So when you can be a communicator of the laws of the land, you believe that you're helping people.”

About FinanceSpectrum.com:
FinanceSpectrum.com is an online financial advice column that dishes out tips and information on all areas of money management and personal finance. FinanceSpectrum.com caters its articles toward middle-class, middle-aged American consumers, stating that they enjoy being able to help people with financial debacles and in general educate Americans on impo Reported by PRWeb 2 days ago.

Falling Health Insurance Prices in the District

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Washington—Health Insurance prices are dropping in the District of Columbia. The District Department of Insurance, Securities and Insurance (DIS) announced this week that Kaiser Permanente, one of four insurers on the DC Health Benefit Exchange, has lowered the health insurance …

The post Falling Health Insurance Prices in the District appeared first on The Epoch Times. Reported by Epoch Times 1 day ago.

Zane Benefits Publishes New Information on Section 105 Medical Reimbursement Plans

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Six Advantages of Section 105 Medical Reimbursement Plans for Small Businesses

Park City, Utah (PRWEB) July 27, 2013

Today, Zane Benefits, the online alternative to group health insurance, published new information on Section 105 Medical Reimbursement Plans.

According to Zane Benefits’ website, stand-alone Section 105 Medical Reimbursement Plans provide small business owners a tool to offer tax-free health benefits without the cost or complication of group health insurance.

There are several different types of Section 105 Plans for Small Businesses. The most common type of Section 105 Plan is a self-funded (or self-insured) health plan, where the employer self-funds (or self-insures) health benefits rather than pay premiums to an insurance company. However, they are also found in the form of Health Reimbursement Arrangements (HRAs).

With a Section 105 Medical Reimbursement Plan, a small business might either:


· Implement a Section 105 plan alongside a conventional employer-sponsored health insurance plan (to reimburse amounts not covered by insurance).

· Implement a Section 105 plan as a stand-alone medical reimbursement plan (to reimburse employees for individual health insurance premiums and eligible medical expenses).

According to Zane Benefits’ website, there are six advantages for small business owners:

1. Predictable Costs

2. Employee Choice

3. Plan Flexibility

4. Different Employees, Different Benefits

5. Tax Advantages

6. Easy Administration

Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 21 hours ago.

Marketing Obamacare a big job

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Marketing Obamacare a big job It will make you stronger. It will give you peace of mind and make you feel like a winner. Health insurance is what the whole country has been talking about, so don't be left out. Reported by Journal Gazette 4 hours ago.

Dawn Insurance Now Offering Quality Health Insurance at Affordable Rates

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http://dawninsurance.com/ announced today that they have added affordable, quality health insurance to their list of provided services.

Peoria, IL (PRWEB) July 28, 2013

While thousands of people scramble around searching for health insurance that is merely affordable, there are newly available services that offer much more at Dawn Insurance. Dawn Insurance recently announced that they will now be offering quality health insurance with low rates and great coverage. It is rare to find quality and quantity in the same product, but the costs of health insurance provided by Dawn Insurance are far less than other providers, while keeping incredible quality of service and coverage. There are many other services and useful tools that can be accessed at Dawn Insurance; visit today and see firsthand the effects this company can have on any financial situation.

Dawn Insurance is a fairly new business in the insurance industry, but their dedication to their clients and the services they offer are supreme. They have proven themselves to be one of the finest insurance providers available today, especially for such great affordability. Anyone in need of health, auto and many other types of coverage will find exactly what they need at http://dawninsurance.com/. Considering the substantial impact and change that Dawn Insurance has already caused the insurance industry world, it will be very interesting and exciting to see what positive effects this new company can have in the future as well.

More About Dawn Insurance
Dawn Insurance is a new insurance provider that has armed itself with all of the tactics and skills that other insurance providers have spent years gathering and perfecting. They specialize in getting anyone at all approved for the best agreements and policies for their home, health, or auto insurance. Anyone is welcome at Dawn Insurance and their approval rates ensure that acceptance is guaranteed. Visit Dawn Insurance today and get the insurance you need to be safe and protected. Reported by PRWeb 1 hour ago.

Wendell Potter: A new health insurance world is on the way

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If you pay attention and listen closely, you can hear it.

That's the sound of the death rattle. Soon we'll need to put the undertakers and gravediggers on notice.

It is just a matter of time, no more than a few years, before we will be bidding farewell to the U.S. health insurance industry as we have grown to know it.

The big New York Stock Exchange-listed insurance firms have known for several years that their core business models are not sustainable, but they have dared not talk about it publicly. The demise of those companies started way before Barack Obama was elected president but, with the passage of ObamaCare, it has accelerated.

It is ironic, but the companies have become victims of their own success, or more accurately, victims of the prevalent industry business practices that contributed to that success.

Even more ironic: these companies, which got their start by assessing and assuming risk, have gone to great lengths in recent years, because of pressure from Wall Street, to shun as much risk as possible. That's why with one notable exception -- WellPoint -- the big for-profit "insurers" are not looking at the new health insurance marketplaces, which will go online October 1, as opportunities. Aetna, Cigna and UnitedHealthcare have all said they will be participating in only a few of those state-based marketplaces, at least in 2014.

The big companies turned away from risk after realizing they could better meet shareholder profit expectations by simply administering the health care benefits of large employers, most of which now assume the financial risk of providing coverage to their workers.

As the big "health services companies" -- the firms previously known as insurers -- have competed aggressively for those clients, they have jacked up the premiums for their individual and small business customers to the point that both "covered lives" and revenues from the real insurance they sell have dwindled.

Only about 15 million Americans -- less than 5 percent of the U.S. population -- have sufficient resources to buy coverage on their own in the so-called individual market these days because of the hefty premiums. Many Americans who have been sick in the past can't buy coverage at any price because insurers won't sell it to them. And far fewer small businesses offer coverage to their employees now than a decade ago for the same reason: the premiums have become unaffordable. That is why almost 50 million of us are uninsured.

But just because the big companies are taking a wait-and-see approach to the new insurance marketplaces doesn't mean there won't be plenty of smaller companies competing for millions of individuals -- individuals who work for small employers that no longer can afford to provide health benefits. One of the good things about ObamaCare is that by banning the discriminatory practices that have defined the industry for years, and requiring much more transparency in pricing, insurers will no longer be able to cherry pick the customers they want or entice us into buying plans that are profitable for them but of limited value to us.

And other provisions of ObamaCare will lower the barriers to new entrants in the health insurance market. New York, for example, recently granted a license to a new insurer -- called "Oscar" -- which has the potential to revolutionize the marketplace. New Yorkers and residents of at least 20 other states will also have new non-profit co-op health plans available to them on the online marketplaces.

Because these companies will not have the huge and costly bureaucracies of the big firms -- and won't have to answer to Wall Street -- they will be able to offer policies with more affordable premiums than we've seen in the past. And the federal government will provide subsidies to millions of Americans to help them pay their premiums.

These changes will be transformative, in ways we can't even imagine today. And the most recognized brands in today's health insurance market will be known for something else. Not health insurance.

Don't believe me? Well just look at history.

The big five "insurers" -- Aetna, Cigna, Humana, UnitedHealth and WellPoint -- have all changed radically in the past 25 years ago. When I went to work for Humana in 1989, it was known primarily as a hospital company. When I joined Cigna in 1993, it was a big multi-line insurance corporation, as was Aetna. Both had big property and casualty and financial services divisions. Under pressure from shareholders and Wall Street financial analysts, they sold those divisions to focus on managed care.

The other big multi-line insurers at the time were Prudential, which sold its health care operations to Aetna in 1999, and Travelers and MetLife, whose health care businesses are now part of UnitedHealthcare. United, now the largest of the big five, has only been around as a publicly traded company since 1984. WellPoint, the second largest, just turned 21 this year.

The point is this: big stock companies change rapidly in response to changes in the marketplace and the changing expectations of shareholders.

Five years from now, those companies will be largely unrecognizable. And their health "insurance" divisions will have been dispatched to the dust bin of business history. If not the cemetery. Reported by Huffington Post 1 day ago.
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