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Most Don’t Know They Can Still Avoid Fines Under Health Care Law

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Most Don’t Know They Can Still Avoid Fines Under Health Care Law WASHINGTON— Several million people hit with new federal fines for going without health insurance will get a second chance to sign up starting Sunday, and that could ease the sting of rising penalties for being uninsured.

But as the enrollment … Reported by Epoch Times 14 hours ago.

Cool Reception for New Obamacare Sign-up Window

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Several million people hit with new federal fines for going without health insurance will get a second chance to sign up starting Sunday, and that could ease the sting of rising penalties for being uninsured under Obamacare. Reported by Newsmax 13 hours ago.

The Single Worst Practice of the Health Insurance Industry

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What's the worst of the bad things that health insurers do? Reported by Motley Fool 11 hours ago.

National Insurance Quotes for RV Plans Added to Search Tool at Revised Insurer Website Online

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National insurance quotes are now supplied for RV coverage plans through the Quotes Pros company web portal at http://quotespros.com/auto-insurance.html.

San Diego, CA (PRWEB) March 14, 2015

Recreational vehicles require a separate coverage plan in most states apart from a regular car insurance policy. The Quotes Pros website is now helping adults find national insurance quotes for RV coverage by using its revised search portal on the web at http://quotespros.com/auto-insurance.html.

Adults who travel the country using large or small-scale RVs will now have the option of comparing agency costs for various coverage packages that are supplied nationally. Insurers in popular tourism states such as Florida, Texas, California and Wyoming are now represented in the quotation system offered for use.

"RV policies are now part of the auto industry plans that can now be quoted or explored when using the search tools on our website," said one QuotesPros.com rep.

While recreational vehicle insurance is provided by American companies in the search finder for this year, there are still regular auto insurers that are offering plans of coverage. Motorist who are ready to change providers or seeking a range or pricing for a policy can also find SR22, renter and modified protection plans.

"The expansion that is now underway through our insurer database is opening new forms of research that any consumer can conduct for coverage pricing," said the rep.

Quotes for homeowner and health insurance were recently added to the 2015 edition of the Quotes Pros portal. A provider update at http://quotespros.com/homeowners-insurance.html makes it possible to compare new agency coverage plans entirely on the web through a computer or smartphone.

About QuotesPros.com

The QuotesPros.com company supplies working adults with options for reviewing or comparing insurance companies using its nationwide tool on the web. The company has taken steps to make its search system better this year by adding health and life insurance companies. The QuotesPros.com company allows the public to use a zip code in place of personal data to find insurers and rates that are available daily. Reported by PRWeb 8 hours ago.

Cool reception for new sign-up window under health care law

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Cool reception for new sign-up window under health care law Several million people hit with new federal fines for going without health insurance will get a second chance to sign up starting Sunday, and that could ease the sting of rising penalties for being uninsured. Reported by WTHR 7 hours ago.

Obama Is Smack In The Middle Of A Brewing Fight Over Workplace Wellness

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If you work for a big company that offers you health insurance, chances are that your employer has asked you to take part in some kind of "workplace wellness" program. It might mean nothing more than answering a few questions about your diet and exercise habits. Or it could mean providing more detailed information about your medical status and lifestyle -- and, in some cases, agreeing to individualized targets for weight loss, blood pressure and other vital health indicators.

In principle, the choice to participate in the program is yours. But if you say no, your employer might charge you higher health insurance premiums, to the tune of thousands of extra dollars a year.

Is that proper? Is that legal? Those questions are the subject of a dispute that has pit consumer advocates, who are leery of these arrangements, against employers, who gush about them.

It's not clear whose side the Obama administration wants to take.

The purpose of workplace wellness programs, as the term implies, is to keep employees from getting sick and thereby to hold down the cost of company health insurance. The programs take many forms. At their best, they help workers with chronic medical problems find their way to professionals and organizations, such as dietitians and smoking cessation groups, that promote better health. About a decade ago, a handful of large employers that tried these programs reported significant savings, and that got the attention of corporate America. Today, according to the most recent Kaiser Family Foundation/HRET survey, 74 percent of all companies offering health benefits -- and 98 percent of large companies offering health benefits -- have at least one type of wellness initiative in place.

"Instead of passively offering health care benefits, employers are working with their employees as partners," said Amanda DeBard, a spokeswoman for the Business Roundtable, which represents major corporations. "At the heart of this change are wellness programs, which are designed to give individuals the information and tools they need to be and stay well."

Whether workplace wellness programs are actually effective remains, at best, unproven. The most recent and comprehensive research has questioned whether wellness programs really reduce company medical spending, except perhaps by passing higher costs onto employees who either don’t want to participate or can’t hit health improvement targets.

"The best evidence suggests that workplace wellness programs based on financial incentives probably don’t work as intended," said Jill Horwitz, a UCLA law professor and co-author of a major study on wellness programs that appeared in the journal Health Affairs. "Given the evidence, it isn’t likely that workers are using less medical care because they responded to financial incentives to improve their health."

"So how are they working? How are companies earning such big returns on their investments in these programs? The most likely explanation is that they are making money by shifting costs to workers most at risk of failing the tests, and those workers are likely to be poorer and less healthy than their colleagues," Horwitz said.

Another problem is privacy. The screenings sometimes ask for deeply personal information -- whether people are sexually active or feeling stress at home, for example. Women have been asked whether they plan or expect to get pregnant. Although business groups that support wellness programs say that the information is kept safe and confidential, consumer advocates worry that it could end up in the hands of third parties or the employers themselves, who might use it for personnel decisions.

These arguments have been going on for a few years. But it's the financial incentives that employers are attaching to the programs and the questionnaires that have attracted scrutiny from federal regulators and, in the process, started a new political fight.

Early on, companies would offer minor financial incentives to encourage participation by workers -- a $25 gift card, for example, or maybe a $100 annual rebate on health insurance premiums. Today, some companies are offering much larger incentives, worth up to thousands of dollars a year, and tying those incentives not simply to participation in the wellness program but demonstration of progress toward health targets. As one benefits consultant told Reuters' Sharon Begley, who has been covering this story in depth, “Wellness-or-else is the trend.”

The companies introducing these schemes say that they are acting within constraints set by Obamacare, aka the Affordable Care Act. Under those guidelines, which expanded upon regulations written previously by the Clinton and Bush administrations, employers can offer incentives equal to as much as 30 percent of premiums (with an extra 20 percent for participation in tobacco testing and counseling). The law also provides a small amount of funding to promote and study the effectiveness of workplace wellness programs.

But Obamacare isn't the only statute that matters here. Another federal law, the Americans with Disabilities Act, bans employer discrimination based on someone's health or medical condition. In addition, it prohibits employers from asking about medical conditions without a legitimate business-related reason.

Enforcement of the ADA falls to the Equal Employment Opportunity Commission. Last year the EEOC started launching lawsuits against employers for imposing substantial penalties on workers who wouldn’t complete assessments as part of wellness programs. Wisconsin-based manufacturer Flambeau, for example, allegedly informed employees that they could lose contributions to their company health insurance –- and face unspecified “disciplinary action” -- if they refused to answer health screening questions. Another Wisconsin company, Orion Energy Systems, allegedly fired an employee who declined to participate. (Both Flambeau and Orion Energy declined to comment when contacted by The Huffington Post.)

Last October, the EEOC filed a third lawsuit -- this time, against Honeywell International, which is based in New Jersey. Honeywell’s program, in place at a Minneapolis office, could cost employees who don't participate as much as $2,000 more for health care, with yet more money riding on participation in tobacco testing. Honeywell has defended the program, telling Business Insurance in November that "Honeywell wants its employees to be well-informed about their health status not only because it promotes their well-being, but also because we don't believe it's fair to the employees who do work to lead healthier lifestyles to subsidize the healthcare premiums for those who do not.”

Employer groups have complained to the EEOC, which has said it will issue a new regulation clarifying what’s legal and what’s not. They have also taken their complaints directly to the White House, reportedly threatening to withdraw support for Obamacare overall if they didn’t get their way. In early December, President Barack Obama addressed and met with members of the Business Roundtable. The next day, White House press secretary Josh Earnest reiterated the administration’s support, at least in principle, for wellness plans.

“The EEOC is an independent agency, so it’s not an agency over which we exercise much, if any, control,” Earnest said. “And I don’t want to be in a position of commenting on pending litigation. But I can say, as a general matter, that the administration, and particularly the White House, is concerned that this is -- or this at least could be -- inconsistent with what we know about wellness programs and the fact that we know that wellness programs are good for both employers and employees.”

As Earnest said, the EEOC is nominally independent. But the White House statement rankled consumer advocates, who saw it as a not-so-subtle attempt to influence the agency's deliberations.

“There’s clearly a lot of pressure on the EEOC, including from the White House,” said Jennifer Mathis, director of programs at the Bazelon Center for Mental Health Law. “You have this public statement from Josh Earnest, suggesting that what the EEOC was doing in its litigation was wrong. And wellness industry representatives have publicly taken credit for that.” (Mathis was referring to a post at a wellness industry blog.)

In a statement to The Huffington Post, White House spokeswoman Jessica Santillo said, “The Administration supports workplace health promotion and prevention as a means to reduce chronic illness, improve health, and limit growth of health care costs, while ensuring that individuals are protected from unfair practices.”

Sources close to the agency tell The Huffington Post that a draft of the new regulations is already circulating internally at the EEOC, which means the agency could unveil them as soon as this coming week. But the agency’s rules are unlikely to be the final word on the subject. On March 3, a group of Republican lawmakers, including Sen. Lamar Alexander of Tennessee and Rep. Tim Walberg of Michigan, introduced legislation that would establish the legality of wellness programs that fall within Obamacare’s guidelines.

“This is yet another example of the EEOC being out of step with employers and employees,” Walberg said. “Innovative approaches that empower employees to take more control of their personal health care decisions should be encouraged, not stymied by greater government overreach.” Reported by Huffington Post 2 hours ago.

What the Hispanic demographic explosion means for America

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What the Hispanic demographic explosion means for America In three terms representing Colorado in Congress, John Salazar got used to angry voters calling him a Mexican and not a proper American.

During fights over the Obamacare health-insurance law, a constituent told him to "go back where you came from". The attacks were misplaced. Mr Salazar is proud of his Hispanic heritage, but he comes from a place with deeper American roots than the United States.

One of his ancestors, Juan de Oñate y Salazar, co-founded the city of Santa Fe in New Mexico. That was in 1598, some 250 years before it became American territory (and the best part of a decade before English merchant-adventurers splashed ashore at Jamestown, Virginia).

A laconic man in denims and cowboy hat, Mr Salazar is a fifth-generation Colorado rancher, farming the same corner of the San Luis valley that his great-grandfather settled 150 years ago, just when Mexico ceded the territory to America. As families like the Salazars put it, they never crossed the border, the border crossed them.

But their high desert valley is home to many Spanish-speaking newcomers too.

A demographic revolution is under way. In 1953, when Mr Salazar was born, America's Hispanic population numbered perhaps 3m. It surged after changes in immigration law under President Lyndon Johnson, nearing 9m by 1970. Today it stands at 57m, out of around 321m Americans, and is on course to double by mid-century, when it is projected to be 106m out of 398m.

In the past two decades Hispanic migrants have spread from a few states and cities to places that had not seen big foreign inflows since the days of steam trains and telegraphs. The biggest group, with 34m, is Mexican-Americans. Since 2005 this has prompted Mexico to open five new consulates, from Little Rock, Arkansas, to Anchorage, Alaska (lots of Mexicans work the perilous Alaska crab fisheries).

Hispanics are transforming the definition of what it means to be a mainstream American.

During the roughly 200 years from the presidency of George Washington to that of Ronald Reagan, whites of European descent consistently made up 80-90% of America's population. By the time of the 2010 census, the proportion of non-Hispanic whites (for simplicity's sake called whites hereafter) was down to 64%. Some time around 2044 it is projected to fall to less than half.

Some conservatives would retort that most Hispanics are white. They argue that the creation by federal bureaucrats in the 1970s of a new box on forms turned hard-working migrants into an artificial new race, trapping them in a ghetto of grievance politics and government welfare.

But that is too glib: for generations Hispanic-Americans were whites on paper only, denied equal access to everything from schools to restaurants or town cemeteries.

More broadly, it is white decline that makes today's demographic revolution so remarkable. America has twice before witnessed European migration waves that were proportionately even larger when measured against the population at the time: once in the 19th century and again at the start of the 20th century.

Those new Americans came to be seen as respectable, over time, as they assimilated towards a majority culture rooted in what were explicitly called Anglo-Protestant ideals: self-reliance, rugged individualism, thrift and hard work. Yet now that white majority is on course to become a minority.

This will touch every aspect of public life, from politics to pop culture. Every year around 900,000 Hispanics born in America reach voting age. Neither party should imagine it will own their votes in perpetuity, but Republicans have the most work to do.

In the 2012 presidential election Mitt Romney, the Republican candidate, got nine in ten of his votes from whites, whereas Mr Obama won eight in ten of the votes cast by minorities. If the Republicans want to catch up, party hardliners will have to stop taking extreme positions on immigration. Hispanics are unlikely to listen to messages about jobs or health care from candidates who are also proposing to deport their mothers.

Business is waking up to the rise of Hispanics. Joe Uva, chairman of Hispanic enterprises and content at NBCUniversal, a big media company, is fond of telling fellow executives that with a combined purchasing power of $1.1 trillion, if Hispanic-Americans were a country they would rank 16th in the world.

A giant reason to be optimistic about the rise of Hispanics is that they are making America much younger. The median age of whites is 42; of blacks 32; and of Hispanics 28. Among American-born Hispanics, the median age is a stunning 18.

As other parts of the rich world face a future of ageing, shrinking populations, Hispanics are keeping American schoolyards full of children and replenishing the supply of future workers. Since about 2011, white and non-white babies have been born in roughly equal numbers. White women already have fewer children than needed to replace their parents. Hispanic women's fertility rate has dropped a lot, but at an average of 2.4 children it is still above replacement level.

In a recent book, "Diversity Explosion", William Frey of the Brookings Institution, a think-tank, makes an impassioned call to celebrate America's new demographics. In just a few years, his numbers show, there will be as many whites over 65 as white children. Among non-whites, children outnumber the old by four to one.

Take away Hispanics and other fast-growing minorities, and America's numbers look like those for Italy, a country full of pensioners with a shrinking labour force. As things stand, however, America's working-age population is expected to grow at a healthy clip.

-How to double without trouble-

It is important not to be Pollyanna-ish about the challenges ahead. If in 2050 America's Hispanic population were to look the same as today's, only doubled in size, a great demographic adventure might end badly.

For now, young Hispanics are more likely than whites to drop out of high school and less likely to complete degrees. Adult Hispanics are half as likely as whites to work as managers or professionals. Fewer of them own their homes, and many were clobbered by the 2008 financial crisis.

Lots of migrants move north to escape drug cartels and violence, but America's proximity to poor, patchily governed countries to its south is a business opportunity for criminals, too. In 2013 the National Gang Intelligence Centre, a government body, estimated that Mexican transnational crime organisations "partner with" 100,000 street-gang members in Chicago alone.

Immigration sceptics commonly point to another question mark that seems to hang over Hispanics. Previous immigrant groups typically saw progress with each passing generation, but Hispanic numbers have a habit of stalling or even heading backwards. American-born children of Hispanic immigrants tend to be less healthy than their parents, have higher divorce rates and go to jail more often.

Jump from migrants' children to their grandchildren, and studies have shown academic results slipping in the third generation. Conservatives fret about "downward assimilation". Academic texts have asked, "Is Becoming an American a Developmental Risk?"

Some see such indicators as proof that foreigners from an alien culture have created a new underclass that must be pushed back. Such fears are overblown: many trends are heading in the right direction, albeit slowly.

This report will visit schools working in innovative ways to improve Hispanic high-school graduation rates and to reduce teenage pregnancies. Many more Hispanics are enrolling in college--and still more would seek degrees if conservative politicians looked to the long term and changed state laws that make the children of unlawful migrants pay much more than their American classmates for a public college education. When one in four children in public schools is Hispanic, economic self-interest alone should prod states to get them ready for the 21st century.

This report will show how some Republicans in Tennessee, a conservative state, are debating pragmatic changes.

Alas, in other states, Tea Party zealots are leading a charge in the wrong direction. Texas used to stand out among conservative states for a businesslike approach to immigration. But in 2014 a dismaying number of Texas Republicans ran for election vowing to repeal a far-sighted 2001 law granting subsidised college tuition fees to students resident in the state, regardless of their legal status.

Steve Murdock of Rice University, a former boss of the US Census bureau, recently published a paper warning Texans that Hispanics are not getting enough advanced degrees and qualifications to replace highly educated whites retiring from their state's workforce. By 2050, his study predicts, Hispanic workers will outnumber white ones in Texas by almost three to one, but without a change in education policy the state will be poorer and less competitive.

The idea of a permanent Hispanic underclass needs to be treated with caution.

In a 2011 study, Brian Duncan of the University of Colorado, Denver, and Stephen Trejo of the University of Texas at Austin argued that the theory of downward assimilation in the third generation may rest on a statistical quirk. People who still call themselves Mexican-American at that point are often less educated and less fluent in English than their better-assimilated cousins, notably the children of mixed marriages, who may no longer identify themselves as Mexican. That makes the numbers for Hispanics look worse than they are.

Nativist panic-mongering about a Hispanic "invasion" has helped to skew public perceptions. Many Americans vastly overestimate the incidence of illegal immigration.

A survey in 2012 by Latino Decisions, a pollster, asked non-Hispanics to guess the percentage of undocumented Spanish-speaking immigrants. The average guess was one in three. The real figure is one in six.

And fresh immigration as a cause of Hispanic population growth was overtaken in 2000 by Hispanic births in America. Of the 17m Hispanic children in the country, some 93% are native-born citizens. Even if a glass dome could be placed over the country, ending all immigration, and every undocumented Hispanic were to be rounded up and deported, tens of millions would remain.

As it happens, the chances of immigrants without papers being sent back have recently diminished.

In June 2012 Barack Obama announced that the federal government would not deport certain undocumented migrants who arrived in America as children, a move that could cover up to a million young people. In November last year Mr Obama extended the scheme to shield about 4m parents of citizens and permanent residents, though his action is now being challenged in the courts.

-Grey v brown-

The Hispanic population's youth should be celebrated, but poses one grave political risk: a clash with elderly whites. The baby-boomer generation, now beginning to retire, remains an overwhelmingly white cohort.

The alarm was sounded in an essay in 2010 by Ronald Brownstein, "The Gray and the Brown", predicting a generational confrontation between grey-haired oldies, bent on preserving benefits that favour them, and multi-ethnic, brown-skinned youngsters wanting more spending on day care, schools and colleges.

Mr Frey agrees. It is telling, he suggests, that states with the harshest anti-immigration laws often have predominantly white old folk living alongside highly diverse children (in Arizona, for example, 83% of the over-65s are white, whereas 58% of the children are non-white).

Calm logic should prod older Americans to welcome well-educated young taxpayers of any colour. But in politics culture matters just as much as logic.

Even different generations of Hispanics can clash, as John Salazar has witnessed in Colorado. During an attempt to pass a comprehensive immigration reform in Congress, he was berated by Mexican-American constituents whose families had been in his valley "for ever". They asked him why he was trying to help the mojados (wetbacks)--a pejorative for Mexicans supposed to have swum across the Rio Grande.

The San Luis valley, a quiet, deep-rooted spot, is a good place to start discovering how Hispanics will change America in myriad ways--and how the country will change them, offering reminders that Hispanics are among America's oldest as well as its newest residents.

Mr Salazar's ancestors did not much benefit from being the first non-Indian settlers in the valley once white, Mormon incomers started to arrive in the 1870s. Mexican-Americans were deemed overly fond of alcohol, indifferent to education and unworthy to hold most local offices.

"When I was growing up, the Anglos held every position. Every now and then you'd get a Spanish judge," Mr Salazar explains, without rancour.

A great-uncle briefly served in the Colorado legislature, but was ruined by the Depression in the 1930s. Family lore holds that banks foreclosed on supposedly unreliable Mexican ranchers while sparing Anglo neighbours. Decades later, when the future congressman was a boy, he was beaten for speaking Spanish in school grounds.

America offers far more opportunity now. John Salazar, raised as one of eight children on a 52-acre (21-hectare) farm without electricity, recently retired as his state's agricultural commissioner. He oversees family holdings totalling 4,000 acres. His younger brother, Ken Salazar, was the first Hispanic senator for Colorado before becoming President Barack Obama's first interior secretary.

Mr Salazar has a keen sense of history. He proudly shows off some riverside land, silver with frost and sheltered by cottonwood and willow trees. Bank managers took it from his great-uncle almost a century ago, but he recently bought it back. "The most beautiful place in the world," he says.

He is more interested in the future, explaining his plans for the ranch and pondering what immigrants might do if they are brought out of the shadows. New ideas are "what makes our country strong", says Mr Salazar. It is a very American remark.

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NOW WATCH: 6 Crazy Things Revealed In HBO's Explosive New Scientology Documentary 'Going Clear' Reported by Business Insider 9 hours ago.

New Insurance Plans from Houston, TX Agencies Now Quoted at Insurer Website Online

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New insurance plans from Houston, TX companies are now being quoted on the web through the revised insurer portal at the Quotes Pros website at http://quotespros.com/auto-insurance.html.

Houston, TX (PRWEB) March 15, 2015

The market for insurance coverage in Texas has expanded in the past decade giving consumers more options to obtain needed protection. The Quotes Pros company is now showcasing new insurance plans from Houston, TX companies that feature auto, life and renter coverage for residents at http://quotespros.com/auto-insurance.html.

The emergence of the new agencies in Houston and surrounding cities has helped to welcome more national companies that provide more than regular state supplement insurance plans. Because there are now more automotive insurers quoting plans, the QuotesPros.com website has been adjusted to feature more Texas agencies.

"There are easier methods of buying a plan for coverage through our website this year, and every insurer that supplies a plan is licensed in TX," said one QuotesPros.com rep.

Since automobile coverage is completely separate from motorcycle coverage, bike owners can have some level of difficulty when quoting a policy. The Quotes Pros company has now answered the requests of visitors to its website to feature more TX bike insurance agencies that offer a variety of protection plans.

"The auto, home and bike insurers that are featured in Houston and other parts of the state that appear inside of our system are top companies," said the rep.

Quoting insurance on the web was simplified at the Quotes Pros website earlier this year for consumers who need marketplace health plans. A fresh supply of national companies providing and quoting disaster, life and general health coverage can now be compared daily at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company provides use of its national portal to adults daily who research and review direct costs in the insurance industry. The company showcases American companies to consumers who need insurance coverage. The QuotesPros.com company provides regular frequencies of updates inside of its database to ensure that all adults receive access to top insurers. Reported by PRWeb 8 hours ago.

Senate Democrats threaten to oppose deal on Medicare fees

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WASHINGTON (AP) — Senior Senate Democratic aides say Democratic senators will oppose a potential bipartisan deal from the House to prevent cuts in physicians' Medicare payments if it doesn't finance a children's health program for four years. Lobbyists have said that as part of that package, bargainers have discussed providing money for the Children's Health Insurance Program for two more years, which would cost around $5 billion. Reported by SeattlePI.com 8 hours ago.

Obamacare Gets Health Insurance to 16 Million New People, Feds Say

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More than 16 million people who did not have health insurance before have gained it through the 2010 Affordable Care Act, also known as Obamacare, the federal government said Monday. Reported by msnbc.com 11 hours ago.

Obamacare adds 16.4 million to insurance rolls

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About 16.4 million adults have been added to health insurance rolls under the Affordable Care Act, which provided especially robust gains in coverage for minorities and states that expanded their Medicaid programs, administration officials announced Monday. Reported by Washington Post 10 hours ago.

Obamacare triggers massive drop in Americans without health insurance

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· More than 16m people have gained insurance through the Affordable Care Act

· Data likely to strengthen efforts to prevent bill being rolled back

Continue reading... Reported by guardian.co.uk 11 hours ago.

Obama administration: 16.4M have gained health insurance under law

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More than 16 million Americans have gained insurance coverage as a result of President Barack Obama's health care law, the administration said Monday as the White House prepares to commemorate the fifth anniversary of the law's signing. Reported by FOXNews.com 10 hours ago.

Sen. Ted Cruz Scares Child: 'Your World Is On Fire!' (Video)

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Sen. Ted Cruz Scares Child: 'Your World Is On Fire!' (Video) Sen. Ted Cruz Scares Child: 'Your World Is On Fire!' (Video)
Sen. Ted Cruz Scares Child: 'Your World Is On Fire!' (Video)
Politics
Weird News
World
Sen. Ted Cruz
Has Been Optimized

Sen. Ted Cruz (R-Texas) scared a little girl during his speech to the Strafford County Republican Committee in New Hampshire on Sunday.

Sen. Cruz claimed the economy is a "disaster," even though unemployment has gone down, and that Obamacare is a "train wreck," but failed to mention the 10 million Americans who have gained health insurance.

“And the Obama-Clinton foreign policy of leading from behind, the whole world is on fire,” claimed Sen. Cruz, noted RawStory.com (video below).

Sen. Cruz's false claim was met with skepticism by the little girl.

Tampa Bay Times political editor Adam Smith tweeted: "Ted Cruz literally just scared a little girl in NH. 'The world is on fire?!' she asked, repeating his line on Obama-Clinton foreign policy."

“The world is on fire, yes, your world is on fire!” Sen. Cruz told the girl and her mom.

Sen. Cruz then tried to backtrack his inflammatory claim, "But you know what? Your mommy is here and everyone is here to make sure that the world you grow up in is even better."

The audience applauded Sen. Cruz.

Sources: RawStory.com, Twitter, BLS.gov, CNN
Image Credit: Gage Skidmore

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OV in Depth:  Reported by Opposing Views 10 hours ago.

Denver reports 94 percent of residents have health insurance coverage

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Be Healthy Denver and Denver Public Health said Monday new data indicates 94 percent of city residents have health-care coverage. Reported by Denver Post 10 hours ago.

Obamacare Cut The Ranks Of The Uninsured By A Third

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The percentage of people without health insurance has dropped to 13.2 percent from 20.2 percent in 2012, according to federal officials. The uptick in coverage has been biggest for Latinos. Reported by NPR 9 hours ago.

Obama administration: 16.4M have gained health insurance

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Obama administration: 16.4M have gained health insurance Reported by ajc.com 9 hours ago.

The Reality of Making Progressive Change in Washington

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Did you support passage of the Affordable Care Act (Obamacare)? So did the health insurance industry and Big PhRMA, after they cut deals with the authors of the bill.

Why would President Obama and progressive Democrats in Congress (or you, for that matter) support a bill endorsed by these trade groups? Because it was necessary to get something done -- and the result has been health insurance for more than 11 million people who need it, wider access to reproductive care and critical protections for all Americans.

So sometimes doing something really good means becoming temporarily aligned with people you oppose on nearly everything else.

That's also the story of a new bill to fix our broken, forty-year-old chemical safety system. Everyone agrees the old system fails to protect our families, giving EPA almost no power to control or ban toxic chemicals that are sold in products that end up in our homes and our bodies.

The new bill is called the Frank R. Lautenberg Chemical Safety for the 21st Century Act, named for the late progressive champion who spent his Senate career fighting Big Tobacco.

After years of failed attempts and bills that looked great on paper, some Democratic senators decided it was time to do what's necessary to get something done. They started negotiations with the chemical industry and their Republican allies in Congress, who now control Congress.

Over the last couple of decades activists have succeeded in passing a patchwork of state laws and cajoling product manufacturers and retail stores to block certain chemicals -- creating a national headache for the chemical industry and finally pushing them to make major concessions in order to get a more uniform national system.

The state laws only cover a small percentage of the chemicals in use and most states have not acted -- so most Americans are hardly protected at all -- but they have been effective in creating the necessary pressure.

The new bill would:

• Require a safety review for all chemicals in use today.
• Ensure all new chemicals pass a safety check before they can be sold on the market.
• Explicitly require protection for those most at risk from toxic chemicals, such as children and pregnant women.
• Give the EPA new authority to require companies to test new and existing chemicals for safety.
• Keep all prior state actions on chemicals in place, and only supplant state authority when EPA takes the lead on a specific chemical.

Of course, the bill is not perfect. To get the chemical industry to agree to these new powers for EPA, the authors agreed that when EPA takes up a "high priority chemical," its national action freezes new state laws on that chemical. (Though, as mentioned, all prior state actions stay in place.)

So we're left with a dilemma. Support a big improvement over current law even though it's imperfect, or say we won't stand for the shortcomings and forgo any change.

For me, the choice isn't hard. No major environmental law in history has passed without significant bi-partisan support. In fact, all major progressive laws were incomplete compromises -- from the original Social Security Act to the Affordable Care Act.

So holding out for a bill that isn't the result of a compromise means living with the terrible current chemical safety law forever.

(I should also mention that fixing this law didn't happen when Democrats had control of Congress either. So waiting a few years in hopes that they take over isn't a good strategy. And you'll note that the Affordable Care Act passed when there were large Democratic majorities and it still required this kind of negotiation with powerful interest groups.)

What makes all this harder is that, as a result of the negotiations, the chemical industry and some conservative senators now support the compromise. These are names I NEVER expected to see on a bill I support.

And if you take the easy way out and decide whether you support or oppose something based on who's for it and who's against it, rather than looking closely at the content of the legislation, you might draw the wrong conclusion about this one.

I just hope everyone will take a look beyond the strange bedfellows and compare the new bill to the really bad current law. Because doing what's necessary to produce change can't be a disqualifying mark on a piece of legislation, or we'll never get anything done.

Here's some more information on the new bill.

Photo credit: Pete Souza, White House Reported by Huffington Post 8 hours ago.

Zane Benefits Releases New eBook: “2015 Health Plan Notice Requirements Chart”

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New reference chart helps employers stay compliant in 2015.

Salt Lake City, Utah (PRWEB) March 16, 2015

Zane Benefits, the leader in individual health insurance reimbursement for small businesses, announced a new eBook, “2015 Health Plan Notice Requirements Chart.”

According to the eBook, keeping track of the required notice requirements under ERISA, HIPAA, COBRA, and the Affordable Care Act can be tedious and time-consuming. Failure to comply with these notice requirements can lead to costly fees and penalties.

The new quick reference chart summarizes health plan notice requirements for employers offering different types of group health plans, including fully-insured and self-insured group health insurance plans and defined contribution health plans (ex: Healthcare Reimbursement Plans).

For more information and to download a free copy visit: ZaneBenefits.com

EDITORS NOTE: Zane Benefits is available for media questions. Contact Leah Bergersen at 435-659-2921 or leah(dot)bergersen(at)zanebenefits(dot)com

About Zane Benefits:
Zane Benefits is the leader in individual health insurance reimbursement for small businesses. Since 2006, Zane Benefits has been on a mission to bring the benefits of individual health insurance to business owners and their employees.

Zane Benefits' software helps businesses reimburse employees for individual health insurance plans for annual savings of 20 to 60 percent compared with traditional employer-provided health insurance. Today, over 20,000 customers use Zane Benefits' software, services, and support to reimburse individual health insurance plans purchased independent of employment. For more information visit ZaneBenefits.com. Reported by PRWeb 8 hours ago.

16.4 Million People Now Have Health Insurance Due To Obamacare

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16.4 Million People Now Have Health Insurance Due To Obamacare 16.4 Million People Now Have Health Insurance Due To Obamacare
16.4 Million People Now Have Health Insurance Due To Obamacare
Has Been Optimized

Thanks to the Affordable Care Act, also known as Obamacare, more than 16 million Americans now have health insurance.

According to The Huffington Post, Health and Human Services issued a report that found the uninsured rate has fallen from 20.3 percent in October 2013, when enrollment in Obamacare was opened, to 12.3 percent this year. Health and Human Services partnered with the polling company Gallup to determine the number of people who now have health insurance. 

“Since the passage of the Affordable Care Act almost five years ago, about 16.4 million uninsured people have gained health coverage -- the largest reduction in the uninsured in four decades," Health and Human Services Secretary Sylvia Mathews wrote in a statement. 

In addition to enrollment in the Affordable Care Act, another 14.1 million people acquired health insurance by joining a private plan or Medicaid. 

The government plans to push for more sign-ups and will spend $1.2 trillion over the next decade expanding health coverage. That estimate is lower than what the Congressional Budget Office projected in January.

The fate of Obamacare still hangs in the balance. The Supreme Court is considering the case of King v. Burwell, which could result in 9.6 million people becoming uninsured if the court rules in favor of David King, jacking up the price of healthcare.

Source: The Huffington Post Image via Healthcare Costs/Flickr

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OV in Depth:  Reported by Opposing Views 8 hours ago.
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