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HUFFPOST HILL - GOP Primary Field Now Literally Field-Sized

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Rick Perry is running for president again, because if at first you don't succeed, try, try... um, what’s the third one there? Let’s see...um, um. I can't name the third one. I can't. Sorry, oops. Lincoln Chafee thinks the U.S. should adopt the metric system -- FINALLY, someone is discussing the 226.786 kilogram elephant in the room. And Hillary Clinton will unveil a proposal that all Americans be automatically registered to vote at 18 unless they opt not to. Plus the the proposal will create jobs by employing thousands of New Black Panther members to intimidate young Republicans from registering. This is HUFFPOST HILL for Thursday, June 4th, 2015:

*NEW SNOWDEN DOCUMENTS DISCLOSED* - Nice little USA Freedom Act palate-cleanser for ya. Pro Publica & Times: "*Without public notice or debate, the Obama administration has expanded the National Security Agency's warrantless surveillance of Americans' international Internet traffic* to search for evidence of malicious computer hacking, according to classified NSA documents. In mid-2012, Justice Department lawyers wrote two secret memos permitting the spy agency to begin hunting on Internet cables, without a warrant and on American soil, for data linked to computer intrusions originating abroad -- including traffic that flows to suspicious Internet addresses or contains malware, the documents show. The Justice Department allowed the agency to monitor only addresses and 'cybersignatures' -- patterns associated with computer intrusions -- that it could tie to foreign governments. But the documents also note that the NSA sought to target hackers even when it could not establish any links to foreign powers. The disclosures, based on documents provided by Edward J. Snowden, the former NSA contractor, and shared with the New York Times and ProPublica, come at a time of unprecedented cyberattacks on American financial institutions, businesses and government agencies, but also of greater scrutiny of secret legal justifications for broader government surveillance." [NYT & ProPublica]

*CLINTON TO PUSH FOR UNIVERSAL & AUTOMATIC VOTER REGISTRATION* - Hopefully she'll pose herself probing questions about this during her self-interview. Jennifer Epstein: "*Hillary Clinton wants all Americans to be automatically registered to vote upon turning 18 unless they take active steps not to register, she will say Thursday in a speech on voting rights in Houston*. Clinton will also call for broader modernization of the voter registration system aimed at making it easier for Americans to register and stay on the rolls as they move or make other life changes. Those proposals, and others she will put forward Thursday at Texas Southern University—including a pitch to encourage all 50 states to allow at least 20 days of early voting—are squarely aimed at helping secure the franchise for the people most likely to encounter obstacles at the polls: the young, minorities and senior citizens." [Bloomberg]

John McCain is tired of the NFL draping itself in the flag for money.

*TODAY IN 2016 TEDIUM*: "Former Florida Gov. Jeb Bush will run for president in 2016, according to several senior aides, who confirmed Thursday that the Republican would formally announce his widely expected decision in Miami later this month." [Associated Press]

*Haircut*: Dave Jamieson (h/t Elise Foley: "It looks the same but shorter.")

*DAILY DELANEY DOWNER* - From my food stamps inbox: "I am 72 years old and receive $93 worth of food stamps. My earnings are $763 a month. I have worked all of my life, raised three boys with no welfare or child support. I have always had a good job that paid half what a man made. No retirement, no health insurance, So, when I finally retired, my social security is half what a man gets. *I do get hungry a lot*. I never buy lobster, shrimp, beer or go on Caribbean cruises."

Does somebody keep forwarding you this newsletter? Get your own copy. It's free! Sign up here. Send tips/stories/photos/events/fundraisers/job movement/juicy miscellanea to huffposthill@huffingtonpost.com. Follow us on Twitter - @HuffPostHill

*RICK PERRY JUMPS IN PRESIDENTIAL RACE… AGAIN* -
Rick Jervis and Catalina Camia: "*Former governor Rick Perry officially kicked off his second bid for the White House on Thursday with a blistering critique of the Obama years and a campaign pitch that touted his record in Texas*. 'We have the power to make things new again, to project America's strength again, and to get our economy going again. And that is exactly why today I am running for the presidency of the United States of America,' Perry told supporters at the kickoff of his campaign. Perry announced his candidacy in front of a C-130 prop plane in an oversized hanger at the Addison Airport in this Dallas suburb. The aircraft, emblazoned with the "Perry for President" logo, is similar to those he flew while serving as a captain in the U.S. Air Force. Guests at the announcement included American Sniper widow Taya Kyle and retired U.S. Navy SEAL Marcus Luttrell, author of Lone Survivor." [USA Today]

Rick Perry took the stage at his presidential announcement to a rap song, further evidence of the depraved culture of presidential candidates.
My God they pay you so much

*LINCOLN CHAFEE READY TO TAKE DOWN GEORGE PATAKI* - A Lincoln Chafee / Bernie Sanders-only debate where both are asked to program a multi-purpose remote on stage. Ben Kamisar: "*Former Rhode Island Gov. Lincoln Chafee officially jumped into the race for the Democratic presidential nomination on Wednesday, launching an uphill battle against Hillary Clinton and better-known Democratic rivals*. 'I enjoy challenges, and certainly we have many facing America,' Chafee said at a speech at George Mason University in Arlington, Va...Chafee's broad announcement speech ticked through a number of positions, including ending "extra-judicial assassinations" by drones, halting the death penalty, and changing America over to the metric system. 'Earlier I said, 'Let’s be bold,'' Chafee said. 'Here’s a bold embrace of internationalism: let’s join the rest of the world and go metric.' 'I happened to live in Canada as they completed the process. Believe me it is easy,' Chafee said. 'It doesn’t take long before 34 degrees is hot. Only Myanmar, Liberia and the United States aren’t metric and it will help our economy.' " [The Hill]

*LAWMAKER LUVS TRANSFATZ* - You literally couldn't come up with a better name for a person who flagrantly defends America's nutritional status quo than "John Shimkus." Mike McAuliff: "More than two-thirds of American adults may be obese or overweight, but one of those adults, a congressman from Illinois, still decided Thursday to mock new federal standards that will require fast-food chains to list calorie counts.* 'I don't think I've ever in my life read a menu label,' said Rep. John Shimkus (R-Ill.) at an Energy and Commerce Committee hearing on a bill that would roll back some of those labeling requirements for pizza chains, supermarkets and convenience stores*. 'I don't think I've ever looked for calorie numbers on anything I've consumed. And I betcha I'm in the majority of Americans,' Shimkus said. 'This is the perfect example of nanny state, of a national government telling individual citizens and saying what is best for them.'" [HuffPost]

*Mike Elk is the millennial Tammy Haddad*: "Gawker’s unionization has reinvigorated Politico Pro labor reporter Mike Elk’s effort to organize his workplace. He sent an email to the entire staff Thursday morning commemorating the 'historic victory.' ... Elk’s plea for solidarity came a day after he emailed the staff listserv about his birthday party and its importance in the fight against gentrification and 'booty' liberation... 'This party is about finally getting that hot tinder date & blowing them off because you suspect they might be a yuppie … This party is about nobody going home alone because this is my birthday party and everybody gets laid!'" [Free Beacon]

*CHRIS HUGHES IS NOT THE WORST!* - The Facebook co-founder and New Republic owner is doing some PR repair: "Even before [Yahoo's Guy Vidra replaced Frank Foer], word was circulating in media circles that Hughes was looking to hire a new C.E.O. who would shake things up, specifically by hiring a new editor to replace Foer. 'In bringing Guy in, we were making a pivot … to new kinds of digital storytelling,' Hughes told me. 'And that was not Frank’s strong suit. And he specifically said that to me.' When I told him that the departed staffers I spoke to told me they were not afraid of change and were willing to write for the Web, he cut me off. 'Stop right there--that’s the problem…. Anyone who said that, that really means: I really want to write for print, but if the Web editor is annoying enough, then I’ll fire off a blog post once a week. That can’t be our starting point.'" [Vanity Fair]

*Wait, maybe Chris Hughes is the worst!* "Chris Hughes, the publisher of The New Republic, and his husband, Sean Eldridge, will hold a fund-raiser for Hillary Rodham Clinton’s presidential campaign, two people briefed on the invitation said. The event will be held on June 30 at the couple’s Lower Manhattan home, the people said." [NYT]
Hiccup: Yesterday we attributed an item on a Hillary Clinton speech to Politico's Dylan Byers when it was actually Politico's Hadas Gold on the byline. Apologies.

*BECAUSE YOU'VE READ THIS FAR* - Here are some baby ferrets.

*GOP BELTWAY TYPES GET DRUNK, CELEBRITY-SHAME HASBEENS* - Pretty sure this is as close to "Eyes Wide Shut" that a Republican gets in Northern Virginia. Kate Glassman Bennett: "Who knew a chance meeting at a local holiday party would lead to the acquittal of a felony charge for a beloved, C-list, sitcom nerd? Evidently, that's just what happened the night Dustin Diamond, better known as Screech from 'Saved by the Bell,' attended the annual bash thrown by former Hill GOP spokesman Ron Bonjean and his wife, Sara, a Republican fundraiser and founder of Rose Strategies. Some back story first: *At raucous Christmas parties hosted in their Alexandria, Virginia, home, the Bonjeans have delighted friends for the past five years with a surprise has-been celebrity guest such as Gary Busey, Erik Estrada, George Wendt and Dennis Haskins (aka Mr. Belding, also of SBTB fame)*. The guest is always picked up at the airport and driven to the Bonjean house by Doug Heye, a communications guru and frequent television talking head, who happily accepts the role of chauffeur each year." [Politico]

*COMFORT FOOD*

- A supercut ofanalog control panels in movies. Props to the Death Star for being able to destroy planets but having the interface of a 1950s AM radio studio.

- A history of the disco ball.

- Why Starbucks is taking the cappuccino off its menu.

*TWITTERAMA*

@rainnwilson: Yeeeaah, who's on Google Plus, y'all!? Time to haaang! Time to Plus it up, homies! G+++ (*paid tweet)

@SimonMaloy: ACORN, I'm told RT @elisefoley Is there any compelling reason not to have automatic voter registration?

@connorobrienNH: At the Senate carriage entrance, Tom Carper tells Capitol Police who he's escorting. "This is the Postmaster General...I can vouch for her."

*Got something to add? Send tips/quotes/stories/photos/events/fundraisers/job movement/juicy miscellanea to Eliot Nelson (eliot@huffingtonpost.com) or Arthur Delaney (arthur@huffingtonpost.com). Follow us on Twitter @HuffPostHill (twitter.com/HuffPostHill). Sign up here: http://huff.to/an2k2e*-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 13 hours ago.

U.S. Rep. Price floats Obamacare alternative

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The U.S. Supreme Court isn’t expected to issue a ruling critical to the future of the Affordable Care Act until late this month. But U.S. Rep. Tom Price, R-Roswell, already is planning for the fallout if the justices declare unconstitutional the health-insurance exchanges the federal government is operating in Georgia and other states. Price introduced legislation into the U.S. House of Representatives Thursday that would replace the exchanges with age-adjusted tax credits to help cover Americans… Reported by bizjournals 13 hours ago.

No more copays! And other ways a Portland health insurance broker helps nonprofits save money

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A Portland and San Francisco-based non-traditional health insurance broker is helping nonprofits beef up their benefits packages by offering group coverage to employees. Nonstop helps underwrite partially self-insured plans, offering a baseline savings of 12.5 percent, according to the company. Employees’ out-of-pocket costs are also reduced, with copays and deductibles eliminated. The company was founded in San Francisco but opened an office in Southeast Portland this year in the remodeled Washington… Reported by bizjournals 13 hours ago.

A sign of trouble? Covered California slips to No. 2 health exchange

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Covered California has lost bragging rights for highest health-insurance exchange enrollment to Florida, new federal figures show. A total 1.36 million Californians were signed up for coverage, had picked a plan and paid premiums due by the end of March, federal health officials announced Tuesday. Almost 1.42 million Floridians had done so by the same date. Texas came in third, with enrollment over 966,400. Experts say Florida and California are not truly comparable, however. Florida didn’t expand… Reported by bizjournals 13 hours ago.

Explaining proposed individual health insurance rate increases

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Minnesotans got a shock yesterday when the state's health insurers proposed eye-popping rate increases for people who buy health insurance on the individual market -- premium increases as high as 70 percent. Reported by TwinCities.com 11 hours ago.

More small employers using state’s health-insurance exchange

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The expansion of Washington Healthplanfinder Business is targeting employers with 50 to 99 workers. Reported by Seattle Times 8 hours ago.

One Couple's Path to Retiring Overseas

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One Couple's Path to Retiring Overseas Filed under: Personal Finance, Travel, Budgeting, Retirement Living

*Credit Cathy Curtis*Linda and Mark Majors

Meet Mark and Linda Majors, a San Francisco Bay Area couple planning to stop working in the next five years. Despite not having employer-backed pensions or huge retirement savings, their goal is to retire and live a life of adventure filled with traveling through different countries, kayaking and scuba diving. While this is a dream many of us share, the couple are taking steps to make it a reality. I recently spent some time with Mark, 57, and Linda, 50, to understand their retirement goals and how they are working to achieve them.

Both of them have worked as independent contractors for nonprofit social welfare organizations over the past 15 years, so they have been responsible for their own retirement savings. They have both contributed to regular brokerage accounts, solo 401(k) and IRA accounts at differing rates over the past 30 years. Occasionally, Mark feels frustrated when he thinks of the colleagues he worked with at Union Oil in the '80s, knowing that their corporate careers have secured most of them a pension of thousands of dollars a month. "Then I wonder: Would I want to give up what I've experienced over the past 20 years for that?" he says. "No, I wouldn't."

Linda adds, "I don't think we'd trade our jobs for that at all. We feel like we've helped make the world a better place."

The couple first started talking about retirement plans and crunching numbers two years ago: "We felt like in spite of what we tried to do, we hadn't done a proper job of saving," says Mark. They had been informed that their investments should generate 75 to 80 percent of their current income each month in retirement.

"That's true if you stay where you are," Mark says, "because lots of things you spend money on now don't go away if you stay put. But we believe that if we can find a way to patch together the assets we have now, the assets we can liquidate, and the eventual Social Security we will collect, we hope we can be fine in another country. It doesn't look that hard on paper."

*Living on $3,000 to $5,000 a month*

The couple did their homework, reading books and taking part in conference calls for retirees interested in living overseas. After much research, they concluded that their ideal adventurous lifestyle would cost $3,000 to $5,000 a month, including health insurance. "Between the Affordable Care Act and everything else in the U.S., what it costs to have health insurance here is out of control until you're on Medicare," says Mark.Their main reason for exploring other countries is simply that the cost of living is lower. "This country is huge," Mark says of the States. "There are plenty of interesting things to do here, so many climates, geographies, dialects and local food. The problem is staying here and exploring is crazy expensive."

Another big reason for retiring abroad is love for learning new cultures. Mark points out that it would solve the problem many retirees face: having nothing to do and becoming bored. "If you don't know how to order food in the restaurant, or buy the stuff at the market," he muses, "all those things are challenges, but we'll embrace them because it will make life interesting."

For the first few years of retirement, this couple who loves to hike is planning to keep moving from country to country. Their shortlist of retirement destinations includes Mexico and Panama, but there are many more countries in Europe and Southeast Asia under consideration. The generous couple's criteria for evaluating destinations not only include the local infrastructure and healthcare, but also the opportunities for giving back. As Mark explains, "You can volunteer here or you can volunteer somewhere else, and maybe it's more important somewhere else than it is here."

*Does That Go To Panama? If Not, We're Not Buying It*

Such a large change of lifestyle requires that Mark and Linda begin making many adjustments now, including downsizing. "We set a goal that volumetrically two wine boxes of stuff would leave the house at least every week," says Mark. Besides donating items they won't need to the less fortunate, Marks admits, "I've been working eBay for two or three years just trying to make things go away!"

"We'll have a big suitcase, a small suitcase, and a backpack. That's it," says Linda, "We're only buying stuff that we think we are going to need in that lifestyle."

Adds Mark, "Our watchword is, 'Does that go to Panama?' If not, we're not buying it." In order to reach the lump sum they need to achieve their retirement goals, Mark and Linda are liquidating their assets, including selling their second house and eventually their own home. High property taxes make California a tough choice for retirees. They estimate their property taxes at $7,000 to $8,000 a year.

Tips for others dreaming of living abroad:

*1. Be Sure That It Is What You Really Want*

"Know thyself," are Linda's first words of advice. "Many of these countries that we're talking about, where the cost of living is lower, they are not America. The resources are different, the climate is different, the language and the people are different. Are you ready for that?"

Vacationing has also become a research experience for the couple. "Usually we would go diving somewhere, go have beers, eat at a restaurant, drink more beers, and have a good time. Who wouldn't like that? But usually you're only there for a week or two, so you don't get bored with it," says Mark. "We've tried to analyze locations since starting the search for where we might live. We take say a Monday morning at 11 o'clock and imagine we're at this destination, but we're not on vacation. Does it suck or is it okay? We've got both eyes open to the vacation effect."

*2. Make Sure Your Partner Is on the Same Page*

"We have to agree, otherwise it's not going to work," says Linda, "It's actually a leading cause of divorce in couples who move to other countries -- because one person is good at Spanish and the other person isn't, or they have different ideas about what it's supposed to look like."

"If something is really not working for one of the people, the other person in the couple has to say, presumably, 'It's more important that I maintain my relationship than pursue this,'" Mark adds, "You've got to make a choice."

That would certainly not be an easy choice to make, so be sure to discuss your retirement dreams with your partner sooner rather than later. The couple hopes that their family and friends will visit them no matter where they retire.

I look forward to a postcard from Mark and Linda to learn where they wind up and see how retirement turns out for them.

The Majors are among many retirees and semi-retirees whose journey to financial freedom is featured in the free eBook, "The Definitive Guide to Becoming the Retiree Next Door," published by MoneyTips.com. While most Americans worry that they won't have enough money to retire, this group of successful retirees shows that many fulfilling paths are possible despite the challenges.

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 1 hour ago.

AIR Experts to Give Presentations on Health-Related Research During the Annual AcademyHealth Conference

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Experts with the American Institutes for Research (AIR) will give a series of presentations during AcademyHealth’s Annual Research Meeting June 13-16, 2014 in Minneapolis, including a panel presentation on the use of public deliberation to assess the public’s use of evidence in health care decision making.

Washington, D.C. (PRWEB) June 05, 2015

Experts with the American Institutes for Research (AIR) will give a series of presentations during AcademyHealth’s Annual Research Meeting June 13-16, 2014 in Minneapolis, including a panel presentation on the use of public deliberation to assess the public’s use of evidence in health care decision making.

The panel presentation, Results of the Community Forum Demonstration: Public Deliberation on the Use of Evidence in Societal and Personal Health Care Decisions, is scheduled for June 12, 4:30-6:00 p.m. CT at the Convention Center.

Funded by the federal Agency for Healthcare Research and Quality (AHRQ), the Community Forum Project used public deliberation – a way to convene a diverse group of people to consider and weigh alternative views of complex issues – to collect informed public input. The study also compared the effectiveness of public deliberation methods.

The panelists and their subjects include:

    Assessing the Effectiveness of Public Deliberation Methods for Gathering Input on Issues in Health: Findings from a Randomized Trial - Kristin L. Carman, Ph.D., Vice-President, Health & Social Development Program, AIR
    Public Responses to the Use of Effectiveness Evidence: Values and Boundaries - Maureen Maurer, Principal Researcher, AIR
    Deliberation as a Useful Method for Seeking Informed Input from Diverse Audiences - Grace Wang, Senior Researcher, AIR

Respondents:
    Timothy Carey, University of North Carolina-Chapel Hill
    Erika Blacksher, University of Washington School of Medicine

Activities by AIR staff at the conference include:

Saturday, June 13th ­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­

12:00 p.m. - Health Economics Poster Session

The Effects of Applying Instrumental Variable Approach in Studies Using Non-Randomized Trial Data
Presenter: Jing Guo

12:00 p.m. – Quality and Value Poster Session

Developing and Applying a Roadmap for Patient and Family Engagement in Practice and Research
Presenter: Heather Ma

2:00 – 6:00 p.m. – Advocacy Interest Group
Presenter: Kristin Carman and Tom Workman

Sunday, June 14th

11:00 a.m. – 12:30 p.m. – Panel

Effective Methods for Partnering with Patients in Research
Moderator: Shoshanna Sofaer
Panelist: Tom Workman

2:30 – 4:00 p.m. – Health Information Technology Poster Session

Barriers to Electronic Health Record (EHR) Adoption and Strategies for Overcoming Barriers: Lessons from the Regional Extension Center Program
Presenter: Brandy Farrar

Assessing the Value of the Regional Extension Center Program Model for the Widespread Diffusion of Electronic Health Records
Presenter: Brandy Farrar

Evaluation of the Regional Extension Center (REC) Program on Electronic Health Records (EHRs) Adoption and Meaningful Use (MU) Achievement among Primary Care Providers
Presenter: Grace Wang

2:30 – 4:00 p.m. – Consumer Choice and Behavioral Economics Poster Session

What Do Consumers Want When Selecting a Health Plan in the Health Insurance Marketplaces? Findings from Consumer Testing
Presenter: Kirsten Firminger

4:30 – 6:00 p.m. – Quality Measure Development, Public Reporting, and Consumer Perspectives

Consumers’ Perceptions of Health Care Efficiency Measures
Presenter: Emily Elstad

Monday, June 15th
8:00 – 9:30 a.m. – Presentation

Roadmap for Patient and Family Engagement in Practice and Research
Presenter: Pam Dardess

9:45 – 11:15 a.m. – Measuring Safety, Quality, and Value Poster Session

Case Mix Adjustment of the Health Insurance Marketplace Survey
Presenter: Emily Elstad

Developing a Framework for Measuring Patient and Family Engagement in the Hospital Setting
Presenter: Rikki Mangrum

Measurement Properties of the Federally Sponsored Health Insurance Marketplace and Adult Qualified Health Plan Enrollee Experience Surveys
Presenter: Christian Evensen

9:45 – 11:15 a.m. – Methods Poster Session

Effect of Applying Instrumental Variable Approach on Studies Using Observational Data: An Example from EHR Promoting Program
Presenter: Jing Guo

9:45 – 11:15 a.m. – Coverage and Access Poster Session

Moving the Needle on Health Insurance Literacy
Presenter: Christopher Pugliese

Did Quantitative Assessment and Regulation of Network Adequacy in Medicare Advantage Improve Consumer Experience with Access to Care?
Presenter: Akash Desai

6:45 – 8:15 p.m. – Improving Safety, Quality, and Value Poster Session

Developing and Applying a Roadmap for Patient and Family Engagement in Practice and Research
Presenter: Pam Dardess

Tuesday, June 16th ­­­

9:45 – 11:15 a.m. – Innovations in Reducing Disparities and Achieving Health Equity

Recruiting Traditionally Underserved Health Insurance Marketplace Consumers for Survey Research: Which Contact Mode Yields the Highest Response?
Presenter: HarmoniJoie Noel

11:30 a.m. – 1:00 p.m. – Measuring Quality and Safety

Comparing Methods for Measuring Patient Priorities in Cancer Care
Presenter: Manshu Yang

For more information about the conference, visit http://arm.academyhealth.org/home.

About AIR

Established in 1946, with headquarters in Washington, D.C., the American Institutes for Research (AIR) is a nonpartisan, not-for-profit organization that conducts behavioral and social science research and delivers technical assistance both domestically and internationally in the areas of health, education and workforce productivity. For more information, visit http://www.air.org. Reported by PRWeb 35 minutes ago.

Kentucky Health Cooperative Announces Resignation Of Janie Miller As Its Chief Executive Officer

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LOUISVILLE, Ky., June 5, 2015 /PRNewswire-USNewswire/ -- Kentucky Health Cooperative, Inc. today announced that Janie Miller will step down as the nonprofit health insurance company's Chief Executive Officer. She is resigning for personal reasons. "I have enjoyed working with the... Reported by PR Newswire 3 days ago.

Will TPP Kill The Post Office?

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Corporations are notorious for sneaking things into laws and regulations before the public can find out and rally to stop it. And we know from the conservative Supreme Court arguments against the Affordable Care Act that even what amounts to a typo can be used to change the obvious meaning and intent of a law.

These are reasons we need to see the text of the Trans-Pacific Partnership before Congress votes to preapprove it with fast track trade promotion authority (TPA). They are pushing what is literally a pig in a poke on us. We the People need to open that bag and have a good, long look inside before fast track buys the TPP pig in our name.

Negotiated in secret by corporate representatives, it is probable that the Trans-Pacific Partnership (TPP) is loaded with things the big corporations have snuck in. We already know from leaks that TPP contains provisions allowing companies to sue our government in "corporate courts" if they feel a law or regulation is cutting into their profits. What else is in there?

*Will TPP Force Privatization?*

As if we needed yet another reason for the public to see the text of TPP before Congress preapproves it with fast track, here is a question: Does the TPP contain provisions that corporations can use to force us to privatize "public" things like our Post Office, public schools, public roads etc., so they can replace them with profit-making enterprises that provide a return only to the wealthy few?

We need to see the provisions of TPP that are designed to regulate "state-owned enterprises" (SOEs) and see them now.

It is possible that the giant corporations have slipped language in that section that would force mass privatization of public services. This certainly is the kind of thing corporate/conservative ideologues would want to do if they could. And with the rigged process that is putting together TPP, they certainly have the opportunity to do this.

*State-Owned Enterprises*

The U.S. Trade Representative website says TPP will have "groundbreaking new rules designed to ensure fair competition between state-owned enterprises (SOEs) and private companies."
We are also pursuing pioneering rules to ensure that private sector businesses and workers are able to compete on fair terms with SOEs, especially when such SOEs receive significant government backing to engage in commercial activity.

... Commitments ensuring SOEs act in accordance with commercial considerations and compete fairly, without undue advantages from the governments that own them, while allowing governments to provide support to SOEs that provide public services domestically; and
Rules that will provide transparency with respect to the nature of government control over and support for SOEs.

Will TPP enable the privatizers to declare things like our beloved U.S. Postal Service, schools and roads to be "commercial activity" that competes with private companies? How about our parks, libraries, public pensions, and other public services?

Today corporations and investors consider our highways to be "commercial activity" and are competing to turn such roads into private business. There is a corporate movement battling to privatize our public schools and turn those into corporate profit centers. Private companies are trying to get (and many have gotten) the right to deliver our water instead of publicly owned municipal systems. Many municipalities have already turned over garbage collection to private companies, thereby impoverishing the workforce. Would it be a surprise to find that the corporations have inserted provisions into TPP demanding privatization of the Postal Service, schools, roads and anything else the public currently runs?

Ask any conservative and they will likely tell you that anything a government does to make people's lives better only interferes with "the market." They will tell you our public, "government" schools should be privatized. They will tell you that the Post Office needs to go away. They hate Amtrak, public broadcasting, the Export-Import Bank and, public transit. They certainly hate public health care. Many will even say that we shouldn't have public parks like Yosemite and Yellowstone. They have even privatized prisons.

We the People need to take a good, long look at the text of TPP, run it past experts, let legal scholars tell us if the working might be interpreted in sneaky ways - before Congress votes to preapprove it with fast track. (The Senate has already voted to do this.)

*FedEx, UPS And Our Post Office*

I was on Nicole Sandler's show, Radio or Not on Wednesday and she referenced a chart showing "all donations that corporate members of the U.S. Business Coalition for TPP made to U.S. Senate campaigns between January and March 2015, when fast-tracking the TPP was being debated in the Senate."

Along with Goldman Sachs and Citigroup, there were FedEx and UPS at the top of the list. The same FedEx and UPS that have been lobbying to strangle the Post Office so they can get the business for themselves.

TPP is reported to have provisions regulating "state-owned enterprises." (We don't know for sure what it says because it's secret.) UPS and FedEx are top donors to a campaign to pass the TPP. Uh Oh. Does this mean TPP contains provisions designed to kill our Post Office?

Why were FedEx and UPS giving money to senators just before a vote on fast track preapproval of TPP? Could it be because they have been able to sneak a privatization mandate into TPP? We don't know because TPP is still secret. If fast track passes the House, we won't be able to fix it when TPP comes up for a vote because the fast track law would prohibit Congress from making any amendments to the agreement.

Note that the AFL-CIO position on SOEs says the AFL-CIO "does not oppose SOEs and does not seek to privatize them." But because the U.S. does not have "a comprehensive manufacturing strategy or adequate governmental support for manufacturing, without strict disciplines on anti-competitive behavior by SOEs, U.S. workers and producers remain at risk from those entities."

In other words, when companies owned outside of the U.S. get government assistance helping them to force closure of U.S. production, this affects working people in a negative way.

*Need To See The Text Before Preapproval Happens*

The coming vote in the House of Representatives to fast-track trade deals essentially preapproves TPP before we can see what is in it. No less a source than the right-wing Breitbart states it perfectly, in "Two Members of Boehner's Leadership Team Openly Refuse to Admit if They've Read Obamatrade":
While they're technically correct in asserting that TPA [Fast Track] is different from the specific TPP, there is essentially no way to stop a trade deal once it has been fast-tracked. Since fast track was created in the Richard Nixon administration, not one trade deal that started on fast track has been thwarted. As such, a vote for TPA is a vote for TPP, since passing TPA will all but guarantee the successful passage of TPP.
Even if the intent is not there in the current negotiations over TPP, a misplaced word or comma could be interpreted later to call for privatization of our schools and roads. Seriously, look at the argument the conservatives are making - and the Supreme Court might be buying - to destroy Obamacare. They are using what is literally a typo, regardless of the clear intent of those who wrote the law, to obtain a ruling that many of us can't get health insurance subsidies.

Are there similar miswordings in TPP? We don't know, and if fast track passes before we are allowed to examine the text for ourselves then it is too late - because fast track means we can't fix it. We have to accept it as is, with only an up-or-down vote while the corporations are running the biggest [DEL: bribery :DEL]lobbying/PR/pressure campaign we have ever seen to get Congress to pass it.

The public needs to know what is in TPP before fast track makes it a done deal. Release the text. If there really is a reason it has to be negotiated in secret so countries will "make their best offers," then just release the parts that all parties in the negotiations are privy to and the parts that are already negotiated.

We need to see the text of TPP before they vote to preapprove it with fast track. Is there a privatization mandate in TPP? We need to know the answer.----

This post originally appeared at Campaign for America's Future (CAF) at their Blog for OurFuture. I am a Fellow with CAF. Sign up here for the CAF daily summary and/or for the Progress Breakfast.*Click to follow me on Twitter. --- Click to follow CAF on Twitter.*
-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 3 days ago.

Working 9-to-5 becoming less popular way to make a living

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Affordable health insurance plans, which kept many workers shackled to traditional jobs, are more accessible because of the Affordable Care Act. An industry dedicated to serving the companies that offer freelance and contract work and the people who fill those openings is growing. [...] companies that provide shared rented office space, such as WeWork, lets freelancers mingle with fellow contractors. “This isn’t going away,” says Brooke Borgen, co-owner of Canopy Advisory Group, a hiring company for freelancers in Denver. [...] he works 30 hours a week, juggling about four projects a year and earns a salary in the six figures designing websites and apps. Brown has time for two-hour yoga sessions, midday bike rides around his New York City neighborhood and lunch dates with friends. Companies weren’t always so thrilled about hiring freelancers, says Allison Hemming, CEO of New York staffing company Hired Guns. Reported by SFGate 3 days ago.

FHIX Fails In House

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In the likely final act of one of the most divisive legislative debates in years, the Florida House voted decisively Friday to reject a proposal that would have used federal Medicaid expansion money to help lower-income Floridians purchase private health insurance. Reported by cbs4.com 2 days ago.

Connexion Point, a Tech Enabled Healthcare Services Company, is Bringing 400 New Jobs to Memphis

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Named to the Inc 500’s list of fastest growing private companies in the U.S., Connexion Point is opening a new site in Memphis, Tennessee and bringing with it close to 400 new jobs.Connexion Point is an award-winning, tech-enabled health care services company specializing in customized contact center services. Clients include some of the largest health insurance companies in the nation.

MEMPHIS, Tennessee (PRWEB) June 06, 2015

Named to the Inc 500’s list of fastest growing private companies in the U.S., Connexion Point is opening a new site in Memphis, Tennessee and bringing with it close to 400 new jobs.

“We did our research and we are excited by the opportunities we see in Memphis,” says Robert McMichael, President and CEO. “Memphis is a good fit for us: great people, great place to live, competitive business rates and services, and easy access for our clients.”

Connexion Point is an award-winning, tech-enabled health care services company specializing in customized contact center services. Their clients include some of the largest health insurance companies in the nation.

“We don’t just answer phones or make calls,” says McMichael. “We build solutions that connect the health care industry to their consumers, and consumers to their healthcare.”

Connexion Point starts revamping its new site beginning next week, and recruitment will begin immediately. Phone interviews are already underway and the cXp recruiting team is scheduled be in Memphis the third week of June to begin face to face interviews. The first ramp of training for new employees is scheduled for the third week of July, with a center kick off mid- August. Connexion Point’s new home is conveniently located near the Memphis International Airport.

Connexion Point is hiring both licensed health insurance agents and unlicensed agents, as well as supervisors, managerial staff, general support staff, and tech support staff for its Memphis center. Connexion Point also offers an outstanding program to help employees, who are interested, obtain their Health Insurance License. Interested candidates should go to cxpjobs.com to apply.

Competitive advantages Connexion Point brings to the contact center space include unparalleled technological agility, access to in-depth analytics, measurable reporting, industry leading data, and an exceptional client and solution focus.

Connexion Point is a Utah based company employing over 1,200 people, seasonal and fulltime, with offices and centers in Utah, Texas, and, now, Tennessee. It is currently ranked by Inc 500 as the 86th fastest growing privately held company in the nation, the 12th fastest in Healthcare, and 1st fastest growing in Utah. Reported by PRWeb 2 days ago.

4 Surprising Retirement Saving Secrets to Success

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4 Surprising Retirement Saving Secrets to Success Filed under: Personal Finance, Health Insurance, Marriage, Retirement Living, Social Security

*Jupiterimages*

By Hal M. Bundrick

NEW YORK -- Dreams of early retirement are often reserved for Silicon Valley startup nerds, athletic superstars and lottery winners. But run-of-the-mill working stiffs like us? No chance, right? Well, don't count us out yet. More than a quarter (26 percent) of 3,449 currently employed workers who took part in a recent study said they plan to retire before they turn 65. The Allianz LoveFamilyMoney report surveyed 35- to 65-year-old Americans with household incomes of at least $50,000.

So, maybe there is still a chance. The study also revealed four interesting traits shared by the optimistic early retirement hopefuls among us. It's a good chance you haven't heard these tips before: they go well beyond the typical retirement saving advice of "start early,""live below your means" and "earn your 401(k) match."

For example, Tip One: Stay Married.

The survey found workers on-target for an early retirement *are more likely to be married* -- 76 percent of people on track for an early retirement are married versus 68 percent who never plan to retire. And they're making it stick. More than three-quarters (77 percent) of the respondents are still in their first marriage, compared with 70 percent of those who never plan to retire.Secondly, *they share similar financial habits*. The study discovered most of the couples were just naturally "savers" instead of "spenders" and shared a "practical" approach to financial matters compared with those who plan to work forever.

And *they talk things out*. You've probably heard the stories of couples who hide money from each other, engage in "secret spending" and don't have a full debt disclosure policy. However, these couples -- well on their way to an early retirement -- find it "very easy" or "somewhat easy" to talk with their spouse or significant other about matters of money (90 percent compared with 77 percent of those who plan to be work bound).

And rather than benchmarking their financial success to their neighbors or the S&P 500, the early retirees-to-be *compare themselves to their parents' financial status* (21 percent compared with 14 percent of those who never plan to retire).

While we're at it, let's bust a retirement myth: Having children isn't a factor in delaying retirement. The study didn't find any difference in expected retirement age based on whether or not respondents have children.

But deciding when to retire also requires a bit of consideration regarding the timing of federal retirement and medical benefits.

"From a Social Security standpoint, you can start getting lower benefits as early as age 62, or you can delay retirement up to age 70 for your maximum monthly benefit amount," says Doug Walker, deputy commissioner of communications at the Social Security Administration, in a blog post. "This is one of the most important and challenging decisions you'll make in your life. When you decide to retire affects not only you, but it could have serious, long-lasting consequences for your family members, too."

For example, retiring at age 62 will trigger Social Security benefits about 25 percent lower than a full benefit payout at age 66. If you delay Social Security until age 70, the monthly amount is 32 percent more than at full retirement age. That kicks your monthly benefits up by $570 -- or $6,840 a year.

And if you retire early without health insurance, you won't qualify for Medicare until you reach age 65 unless you've been on Social Security disability benefits for at least 24 months. That means you'll have to cover insurance premiums with a portion of your retirement income. However, you may qualify for Medicaid or a Special Enrollment Period for coverage through the HealthCare.gov insurance marketplace. And you may also be able to earn a tax credit and lower your out-of-pocket costs.

Retiring early requires a bit of timing, full disclosure, clear communication -- and apparently a strong marriage. All goals worth aspiring to.

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 2 days ago.

Hawaii Pulls The Plug On Embattled Health Insurance Exchange

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Hawaii's health insurance exchange announced on Friday that it will be shutting down, and its nearly 40,000 enrollees will be transitioned to the federal Obamacare marketplace, Healthcare.gov.

The private, nonprofit Hawaii Health Connector, which has been embattled from its inception, has not generated “sufficient revenues to sustain operations,” according to the office of Hawaii Gov. David Ige (D).

The state invested $130 million in the Connector, but the exchange has been plagued by low enrollment numbers and technological issues, making it noncompliant with the federal requirements outlined in the Affordable Care Act.

“It was a failed project," state Sen. Sam Slom (R) told the Honolulu Star-Advertiser. "It was a boondoggle from the very beginning, and our residents deserve better than that.”

According to Hawaii Health Connector CEO Jeff Kissel, Hawaii's health exchange will become a state-run exchange that uses HealthCare.gov, which is similar to the setup in Nevada, New Mexico and Oregon.

"The viability of state health insurance exchanges has been a challenge across the country," Ige said in a statement, "particularly in small states due to insufficient numbers of uninsured residents."

Under Hawaii's Prepaid Healthcare Act of 1974, businesses in the state are required to offer health insurance to employees who work more than 20 hours per week. As a result, Hawaii has consistently had one of the lowest uninsured rates in the country.

The Associated Press contributed to this report.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 2 days ago.

Florida legislators reach broad deal on state budget

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The Florida House has soundly rejected a Medicaid expansion compromise that even supporters admitted had flaws.

The bill has been doomed to fail almost from the start and tore apart the regular session as the House and Senate bitterly disagreed. The bill was voted down by 72-41 Friday following a passionate, six-hour debate. It was an attempt by the Senate to draw down $18 billion in federal money and give it to Floridians to purchase private health insurance instead of putting them in the regular Medicaid program.

But Republicans insisted it would expand Obamacare and increase the federal deficit. Even supporters acknowledged the bill would cover much fewer than the 800,000 who are eligible.

Democrats said the bill was a starting point that would save the state $547 million and could be built on over time. Reported by Click Orlando 2 days ago.

After hacking, government workers warned of potential fraud

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WASHINGTON (AP) — An immense hack of millions of government personnel files is being treated as the work of foreign spies who could use the information to fake their way into more-secure computers and plunder U.S. secrets. Federal employees were told in a video Friday to change all their passwords, put fraud alerts on their credit reports and watch for attempts by foreign intelligence services to exploit them. Federal officials said Friday the cyberattack appeared to have originated in China, but they didn't point fingers directly at the Chinese government. A wide range of information is prized by spies — classified military secrets but also economic strategy and internal foreign policy debates. Federal employees who think they're opening an email from co-workers or family members might infect their computers with a program that would steal more information or install spy software. "The kind of data that may have been compromised in this incident could include name, Social Security Number, date and place of birth, job assignments, training files, performance ratings and current and former addresses," Schumach said in an email. Schumach said agencies share computer systems partly to save money — and it's also supposed to strengthen security. Private cybersecurity researchers said they believe the personnel agency was targeted by the same hackers who got into the Anthem and Primera health insurance groups last year. Reported by SFGate 2 days ago.

Hacking the WIN-Win-Win Business Model

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Google is a prime example of a business model that I term as the P.O.S.E (Profitable On-Purpose Side Effects) WIN-Win-Win model

The model is simple - you serve the needs of your core customers for free or almost for free. The core customer's activity creates a side-effect that can be harnessed to create value for another set of customers that are willing to pay. The more you keep your core customers happy, the better the side-effects and more value for the paying customers.

In case of Google, the company offers search for free for their core customers. The side-effect is that while core customers search, they also reveal their intent to want or do something. Edwards is a Google product that harnesses the value of this side-effect by displaying paid advertisements from paying customers matching the search keywords to be relevant to the core customer.

This is a *P.O.S.E WIN-Win-Win* business model

The company wins as it is generating revenues from this arrangement.

The core customer wins because they are paying next to nothing for a valuable service

The paying customer wins as the side-effect from the interaction between the company's offering and core customers is valuable to them.

While Google is the most well-known, there are a number of companies that have creatively employed the triple-win business model by harnessing profitable, on-purpose side effects (P.O.S.E) to unlock value.

Here are a few of them
*1. Zenefits*
Founded in 2013, Zenefits disrupted the HR industry especially in the SMB space. Zenefits offers a cloud-based service to help companies automate HR activities. This helps small companies that cannot afford to have a big HR staff. Price for the service? FREE!

Since health insurance, payroll (integrations with several payroll providers) are managed through the service, Zenefits makes money by acting as a broker on record. Everyone in the ecosystem (SMB customers who get the service for free, partner companies who get referrals, Benefits who makes a cut because of the referrals) are happy.

*2. Spiceworks*
Spiceworks provides free software for IT professionals to manage inventory and operate a help desk within their organizations.

Well, there is no catch. Technology advertisers want to inform IT pros like you about products and services that help you with your job. We work with advertisers to run relevant ads in the side bar for products that you could find useful. The money we receive from these ads allows us to provide the application at no charge to IT pros around the world.

Why did we work so hard to find a way to make Spiceworks free? Because we don't believe IT pros in small- and medium-businesses should have to pay for technology to manage technology. You should use your precious budgets on buying hardware, software and services that help your businesses grow.

With over 3,000 technology brands paying to promote their products and/or get feedback.

As you can see, the core audience (IT Professionals) get something valuable for free. Their engagement provides a "Adwords kind of" opportunity for Spiceworks to capitalize on.
*3. Venmo*
Venmo is a growing smartphone service that will help you transfer money to another venom account holder with the click of a button. As you would have already guessed, the service is completely free.

How does Venmo make money?

They charge businesses (less than what credit card companies charge) to accept payments using the service. Merchants are happy to play the game as they see more people getting habituated to pay via Venmo.

*4. Murfie*
Murfie helps music fans to upload their music collections (from their CDs) to the web and get a web and smartphone interface to those collections. Murfie charges $19.99 one-time fee to upload the collections to the web (from one CD or thousands of CDs) and the usage of the service is free forever.

How does Murfie make money?

As customers upload their music, each customer becomes part of their liquid music store on the web. Customers can buy or sell music with other customers with a single-click and Murfie takes a cut from each transaction.

The first WIN is for the music fans who get to use their service for free.

The second Win for the subset of their customers who can transact with a single-lick.

The third win is for Murfie who takes a cut from these transactions.
*Final Comments*
Hacking the business model is way more powerful than a compelling sales and marketing strategy. The above companies represent a small sample of companies that are innovating their way to the top by hacking the business model.

In the above cases, striking a good P.O.S.E. helped a lot.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 1 day ago.

Obamacare Enrollees Anxiously Await Supreme Court Decision That Threatens Their Coverage

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WASHINGTON-- Karen Hines is worried about getting two pieces of very bad news this June. The first would be her cancer returning. The second would be her health insurance becoming abruptly unaffordable.

“I’ve got my six-month, regular cancer checkup in June, and so I’m saying I hope they don’t come out with any kind of decision, just in case it’s bad news, until after,” Hines said. “You always get nervous, usually a day before or day of, going for a checkup. But I think I started a little more on the worrying ahead of time.”

Hines, 59, has been relying on health insurance purchased through the Affordable Care Act marketplaces to help cover the costs of those checkups. But she has the misfortune of residing in a state, Virginia, where the federal government is operating that marketplace. Because of that, she could end up losing her tax subsidy to help purchase coverage right at the time her health takes a dive for the worse.

The Supreme Court will issue a ruling this month on a lawsuit engineered by conservative activists alleging that a brief phrase in the law -- “exchange established by the state” -- means subsidies can only be provided to individuals residing in states that set up their own health insurance exchanges. Should the justices side with Obamacare's critics, Hines would be one of an estimated 6.4 million people in 34 states whose subsidies will disappear. Many will be forced to drop their health insurance because of heightened cost.

For someone like Hines, who has had breast cancer three times, most recently in 2009, this presents a Hobbesian choice. She considers health care coverage essential and must get screenings twice a year to ensure her cancer doesn't come back. But she has little money to afford insurance on her own. A former public relations professional, she’s devoted her life to caring for her ailing, octogenarian mother, and currently works part-time as an educator at the aquarium near her home in Virginia Beach. Her low income, qualifies Hines for a subsidy that cuts the price she pays by about half, to $200 a month.

“I could probably manage another year,” Hines said when asked if she could afford the coverage without the subsidy. She would have to draw down more of her retirement savings to pay for health care. But doesn’t have enough money to hold on to health insurance until she turns 65 and becomes eligible for Medicare, she said.

“I’m doing what I can to try to prepare for the worst, but I don’t want to think about the worst,” Hines said.

Hines was one of six people the Huffington Post featured in a report this March on the case surrounding Obamacare's subsidies. At the time, the Supreme Court was hearing oral arguments on the case and the prospect of those subsidies potentially disappearing was becoming less abstract for those in states with federally run exchanges. The clock is ticking even louder now. And so, we decided to catch up with those we interviewed to see how their circumstances, health and mental well-being has changed.

I’m very disgusted and tired of being a political football.
Joe Lucas

In Pittsburgh, house painter Joe Lucas bitterly keeps up with the news about the Supreme Court case. Like Hines, he lives in a state where his subsidy could disappear. But unlike Hines, he’s sure he’d have to drop his coverage immediately if the court rules with the law's critics. He can’t pay for the health insurance without it.

“I’m following it very closely, because it has a very profound effect on my life, and I’m very disgusted and tired of being a political football,” said Lucas, 53. “They look upon me as like some kind of moocher,” he said of the Affordable Care Act's opponents.

Lucas had an aortic aneurysm in 2010, so he has to keep monitoring his heart condition. Even though his most recent tests came up clean in May, Lucas knows the computed tomography (CT) scan he needs as part of his checkup every two years would cost him $11,000 without insurance, instead of $50 now. He also knows his prescriptions would run to $2,600 every three months rather than $65 with insurance. Lucas, who is self-employed, earns $25,000 to $30,000 a year, he said.

Lucas might be shielded from the ramifications of a ruling against the subsidy if Pennsylvania Gov. Tom Wolf (D) persuades the GOP-majority state legislature to go along with his proposal to set up a state-run exchange. But as Lucas takes stock of the court decision to come, he's struck by what he sees as dramatically misplaced priorities among lawmakers in Washington.

“Billions of dollars in corporate welfare to oil companies and whatnot, you know, and that’s not a problem for them, but I’m a person who gets $2,400 a year in subsidies to help pay for my insurance -- and I pay almost three times that much in taxes, so it’s not like I’m taking them on the negative side,” Lucas said.

Jared Blitz, a teacher in Mesa, Arizona, with an Obamacare plan, also has a heart problem and little patience for being held in limbo while the Supreme Court decides his fate.

“You know, it sucks,” said Blitz. “The stress isn’t good for the heart.”

Blitz turns 33 on Monday. Since birth, he has dealt with aortic valve stenosis, meaning he has a heart valve that is too narrow. He recently received good news from his cardiologist that he can delay an expensive major operation he thought he’d need this year. But he will have to undergo a less serious procedure at a later date.

All this would be difficult to handle on its own. But it's compounded by the problems Blitz has had in navigating the health care law. He ended up with a plan he doesn't recall picking. He lost his subsidy of $30 a month even though his income level should qualify him for some tax credit. And he assumed that his home state would get rid of all Obamacare exchanges entirely if the court ruled against the subsidies (in fact, state Republicans have passed a bill saying that Arizona won't set up a state exchange. The federal one will remain regardless).

Blitz is in the process of trying to get his subsidy back and is hopeful he can do so. Though the credit is relatively small, for someone making about $29,000 a year, every bit helps.

"Even though it is only $30, it creates a small problem at least getting through the summer," he said.

Were he to ultimately lose the subsidy, Blitz would figure out a way to pay for his insurance. He calls himself "fortunate" in that regard, compared to those who don't have savings to dip into or expenses to cut or friends to rely on. But Blitz's fortune -- if you want to call it that -- comes at a cost, and it underscores how the damage from a Supreme Court ruling for the plaintiffs extends beyond those who currently receive tax credits.

Without the subsidies, most of the low- and moderate-income people using the health insurance exchanges will exit the exchanges, leaving those with the greatest health care needs -- people like Blitz with medical conditions -- as an increasing share of the market. Because people with greater medical needs generate more medical bills, that would increase expenses for insurance companies, forcing them to increase premiums. Those higher premiums, in turn, would lead more people to drop coverage. In the industry, they call this a “death spiral.”

Blitz hasn't thought that far ahead. He lives his life, in many ways, appointment-to-appointment, waiting to hear word on when or if he will need a major medical procedure for the condition he was born with. The current court case is, for him, the type of high-stakes drama he wishes he could avoid.

"There is a lot of information and it gets confusing," he said. "You are dependent on something, something that is new basically, and you haven't been able to get access to it in the past and it can make and break your life. That's frustrating."
*Read more on the latest Obamacare Supreme Court case below:*

This Is What The Latest Obamacare Supreme Court Case Is All About

The Real Reason Republicans Don't Have A Contingency Plan For Obamacare

Obamacare Enrollment Is 10 Million, But Supreme Court Ruling Could Shrink It Dramatically

The Supreme Court Case That Could Gut Obamacare, Explained In 2 Minutes


-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 1 day ago.

Insurers ask Pennsylvania regulators for big rate increases

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HARRISBURG, Pa. (AP) - A national upswing of health insurance rates is coming to Pennsylvania, and that could mean bigger-than-expected cost increases next year for at least a couple hundred thousand Pennsylvanians who bought insurance in the marketplace created by the 2010 federal health care law. Reported by philly.com 19 hours ago.
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