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Third Part of Cost of Health Insurance Report Released by Pacific Prime China

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Pacific Prime China release third part of cost of health insurance report, focusing on regions in Asia.

Shanghai (PRWEB) June 22, 2015

Pacific Prime China, one of the country's largest international individual health insurance brokers, has released the third part of a three-part report on the cost of health insurance in 94 countries. Titled: The cost of health insurance in different regions, the third article of the report presents the cost of individual international health insurance for each country grouped by region, with China being included as part of Asia.

The regions in this part of the report include:

Asia

Africa

The Middle East

The Americas

Europe

With each region presenting the cost of insurance for four demographics (Single, Couple, Family, and Retiree) with three levels of plan for each demographic:

Plan 1: Inpatient coverage

Plan 2: Inpatient and outpatient coverage

Plan 3: Inpatient, outpatient, and maternity coverage.

Each of the plan levels for all four demographics includes a graph with the premiums offered by the top six health insurance providers, allowing for easy comparison of all of the countries included in that region. This makes it simple for the reader to quickly find the relevant information they are looking for. For example, if you are in China and want to compare single premiums for Plan 1 in Asia, you can quickly and easily find this information.

Highlights for this article and China include:

Individual health insurance costs grouped on a regional level and broken down by demographic and, subsequently, type of plan.

An overview of each region.

In-depth analysis that looks at factors including common outliers and influences on premiums for each plan type.

Graphs that visually highlight the cost of individual health insurance for each plan level and demographic for the countries in each region.

Pierre de Mirman, Country Manager for China at Pacific Prime, commented, “This third part of the report has been designed for expats, HR managers, and business owners who are considering relocating, have a colleague who will be relocating, or will be opening a business in a new location, and would like to know the cost of health insurance in different countries of the region they prefer. If you are considering moving or obtaining new insurance in China, this article can be a useful tool from which to start your search.”

The third article is available to download for free now from Pacific Prime’s Cost of Health Insurance site.    

About Pacific Prime China
Pacific Prime is the largest international health insurance broker in Asia. With close relationships with the industry’s top providers, award winning service, and offices in strategic locations, Pacific Prime is able to offer the best plans for expats, their families, and their companies.

With a staff of international experts, Pacific Prime works with you throughout the whole life cycle of your plan to ensure that you receive not only the best coverage, but also support for any medical emergencies through their claims department. Reported by PRWeb 16 hours ago.

Pacific Prime Hong Kong Releases Third Part of Report on Cost of International Health Insurance

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Pacific Prime Hong Kong releases third and final report on cost of international health insurance, highlighting different regions.

Hong Kong (PRWEB) June 22, 2015

Pacific Prime Hong Kong has released the third article of a three-part report on the cost of individual international health insurance in 94 countries. Titled: The cost of health insurance in different regions, this article takes the 94 countries included in the report and groups them by region.

The countries, divided into five regions (Africa, Asia, Europe, the Americas, and the Middle East) are further broken down into four demographics (Singles, Couples, Families, and Retirees), with the cost of three plan types shown in easy to read graphs. This format makes it simple to find and then compare prices based on the type of plan you are considering and the demographic you belong to.

Highlights for this article include:
The cost of individual health insurance compared by region, broken down by demographic and plan type.
A regional overview at the start of each section.
An in-depth analysis looking at why premiums are so spread out, as well as the influences of major outliers.
Easy to read graphs that enable easy comparison of prices between countries in each region.

Neil Raymond, Managing Director at Pacific Prime, commented, “We have designed this report for expats who are considering moving to a new location, and business managers or owners who are considering new locations for business expansion. With one of the first comprehensive overviews and comparisons of the cost of international health insurance, this report is essential for anyone considering relocating or opening offices in a new country or region.”

About Pacific Prime HK
Pacific Prime is the largest international health insurance broker in Asia. With close relationships with the industry’s top providers, award winning service, and offices in strategic locations, Pacific Prime is able to offer the best plans for expats, their families, and their companies.

With a staff of international experts, Pacific Prime Hong Kong works with you throughout the whole life cycle of your plan to ensure that you receive not only the best coverage, but also support for any medical emergencies through their claims department. Reported by PRWeb 16 hours ago.

Supreme Court To Next Issue Rulings On Thursday

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WASHINGTON, June 22 (Reuters) - The U.S. Supreme Court on Monday did not issue rulings in its two most closely watched cases - gay marriage and a challenge to President Barack Obama's healthcare law - and the justices will next release decisions on Thursday.

The rulings are due by the end of the month.

Of the seven cases left to decide, the biggest are a challenge by gay couples to state laws banning same-sex marriage and a conservative challenge to subsidies provided under the Obamacare law to help low- and middle-income people buy health insurance that could lead to millions of people losing medical coverage.

There are also important cases left to decide on the death penalty, Obama administration pollution regulations and housing discrimination. (Editing by Will Dunham)

-- 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 15 hours ago.

Anthem reaffirms commitment to its $47-billion bid for Cigna

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Anthem remains committed to its roughly $47-billion bid to buy Cigna, a deal that would create a health insurance giant with international reach and added muscle to improve technology for consumers and negotiate rates with providers. Reported by TwinCities.com 12 hours ago.

Medicare at 50: Strengths to Build On

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by John Geyman, M.D.
http://www.johngeymamd.org

Traditional, or Original Medicare, turns 50 on July 30, having had many challenges and achievements from the days of its passage to today. It is time to celebrate its many successes, note some of its current challenges and threats to its future, and briefly discuss how it gives us a strong foundation upon which to build still-needed health care reform.

When it was enacted in 1965, about one-half of seniors in the U. S lacked health insurance, and many could not afford necessary health care. When it was passed with strong bipartisan support (313-116 in the House, and 70-24 in the Senate), 20 million Americans age 65 and older gained health insurance. (1)

From the start, Medicare was a political football raising strong arguments for and against any kind of universal health insurance, quite similar to those we hear today, including from the American Medical Association, hospitals, and the health insurance industry. But a "corporate compromise" was struck in 1965 whereby private insurers were relieved of their worse health risks, hospitals could expect assured payments for their costs of serving a previously disadvantaged population, and physicians gained a permissive "usual, customary, and reasonable" reimbursement policy. (2) Claims processing and bill auditing were contracted out by the government to private fiscal intermediaries, especially Blue Cross and Blue Shield plans. (3)

From the beginning, Medicare has provided a broad set of benefits, defined by law, protecting all seniors, many of whom could not afford health insurance in the private market. Part A provides hospital insurance, while Part B provides supplementary medical insurance for 80 percent of physician services (initially with a $50 deductible and 20 percent coinsurance), X-ray and laboratory tests, and some home health and outpatient and mental health services. Some additional benefits were added in later years to this basic program, including coverage for the disabled and patients with end-stage renal disease in 1972 and partial coverage for prescription drugs in 2003 (Part D). Medicare's benefits have always been considered an earned right, not an entitlement, since all beneficiaries pay into the program through mandatory contributions from individuals and/or employers. (4)

Today, Medicare is a very large program, covering more than 55 million Americans, including all seniors and 9 million people with permanent disabilities under age 65. It accounted for 14 percent of the federal budget in 2014 and about 20 percent of total personal health expenditures in 2013. (5) Since the 1990s, we have seen an increasing trend toward privatized Medicare plans (Part C), starting with Medicare + Choice HMOs in the 1990s and their sequel, Medicare Advantage (MA) since 2003. These plans have been promoted by conservative policymakers and think tanks with a goal to replace Medicare as an "entitlement program" with private market plans, health savings accounts and vouchers. Almost one-third of seniors are now enrolled in MA plans.

*The Many Strengths of Traditional Medicare over 50 Years*

Traditional Medicare has performed much better over the years than any of these private plans, which operate with the goal of profits more than service. Table 1 summarizes the major differences between traditional Medicare and privatized plans. (6)

Source: Adapted from Geyman, JP. Shredding the Social Contract: The Privatization of Medicare. Monroe, ME. Common Courage Press, 2006, p. 206.

These comparisons are supported by many studies over the years. As just four examples:· A literature review by the Kaiser Family Foundation of 40 studies since 2000 found that beneficiaries rated access and quality of care better in traditional Medicare than in Medicare Advantage, especially by those who were sick. (7)· An analysis by the Urban Institute over three decades found that private Medicare plans cost the government more than fee-for-service traditional Medicare, which contained costs better than private plans over those years. (8)· Traditional Medicare operates with an administrative overhead of 2 percent, compared to overhead of Medicare Advantage about seven times higher. (9)· The Centers for Medicare and Medicaid Services (CMS) took 35 enforcement actions against Medicare Advantage plans and Medicare Part D plans in 2014, particularly for inappropriate denials of care and requiring unnecessary preauthorization of services and medications that resulted in more cost shifting to beneficiaries. (10)
*Some Major Challenges Facing Medicare Today*
As in 1965, Medicare remains a lightning rod for intense political debates over its future. Despite its proven track record for efficiency, reliability, and responsible service over these last 50 years and widespread public support, Republicans are united in their attempts to dismember it, convert it to a voucher program, and shift patients to the private marketplace, all under the guise of reining in federal spending and austerity. Some Democrats are amenable to raising the eligibility age for Medicare and increasing cost sharing. These ideas are a complete disconnect with the needs of our aging society in a time of increasing inequality of incomes. More than 25 million seniors and people with disabilities live on annual incomes of $23,500 or less, many of whom cannot afford premiums and cost-sharing in either traditional or privatized Medicare. And as our population ages, pensions that in the past assured defined benefits are shifting to defined benefit pensions, without such assurances. (11) There are still many gaps in coverage, even within traditional Medicare, including for long-term care and dental care.

Future funding for Medicare is seriously threatened and murky at best. The Obama administration has told us that the Affordable Care Act (ACA) will be financed in part by $716 billion in Medicare cuts over 10 years, with the unbelievable claim that these cuts will not result in reduction of services. The recently passed H. R. 2, the "doc fix" bill, has provisions in it that will require new deductibles in first-dollar supplemental Medigap plans (held by 40 percent of Medicare beneficiaries) and expand means-testing for Medicare Part D, both of which will increase costs for seniors and further undermine traditional Medicare.

Just as the future of Medicare is unclear, so is that of our entire health care system. The U. S. Supreme Court is expected to rule in coming days on the legality of subsidies under the ACA. A negative ruling will be a serious blow to the ACA and call into question where we should go next. Republicans in Congress will push for repeal or defunding parts of the ACA. As the debate heats up, the leading alternatives will likely be: (1) continuation of the ACA as it unravels, (2) some GOP "plan" based on patients having "more skin in the game" that further threatens access and affordability of care; (3) revival of the "public option" idea, hardly an effective fix as merely adding one more payer to our dysfunctional multi-payer financing system; and (4) long-overdue consideration of single-payer national health insurance that would cover all Americans in a large risk pool with more benefits, less cost, more reliability and equity in a sustainable way, as described in my recent book, How Obamacare Is Unsustainable: Why We Need a Single-Payer Solution for All Americans. (11)

Traditional Medicare has proven its superiority over any private, market-based alternatives for the last 50 years. It is time to build on this social insurance model as the health care debate continues.*References:*
Rosenblatt, B. House passes massive expansion of health care coverage. Washington, DC. National Academy of Social Insurance, April 10, 2015.Geyman, JP. Shredding the Social Contract: The Privatization of Medicare. Monroe, ME. Common Courage Press, 2006, pp. 49-51.

Oberlander, J. The Political Life of Medicare. Chicago. The University of Chicago Press, 2003, p. 33.

Study Panel on Medicare's Larger Social Role, Final Report.
Washington, DC. National Academy of Social Insurance, 1999, pp. 31-35.

Cubanski, J. A primer on Medicare: Key facts about the Medicare program and the people it covers. Kaiser Family Foundation, March 20, 2015.

Ibid # 2, p. 206.

Gold, J, Casillas, G. What do we know about health care access and quality in the Medicare Advantage versus the traditional Medicare program? Kaiser Family Foundation, November 6, 2014.

Boccuti, C, Moon, M. Comparing Medicare and private insurers: growth rates in spending over three decades. Health Affairs (Millwood) 22 (2): 230, 2003.

Himmelstein, D, Woolhandler, S. The post-launch problem: the Affordable Care Act's persistently high administrative costs. Health Affairs Blog, May 27, 2015.

Herman, B. Medicare is doing more to police Advantage and Part D lapses, but does it matter? Modern Healthcare, December 4, 2014.

Geyman, JP. How Obamacare Is Unsustainable: Why We Need a Single-Payer Solution for All Americans. Friday Harbor, WA. Copernicus Healthcare, 2015.

-- 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 14 hours ago.

Monday’s most followed in U.S. including Humana, Aetna, Baxter, Pfizer, Fitbit, Micron Technology, Facebook, AMD, Williams, Cigna, Carnival

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U.S. shares advanced today on optimism that Greece will eventually reach a bailout deal with its creditors. The S&P 500 (INDEXSP:.INX) rose 0.8 percent to 2,127.55 at 11:44 a.m. in New York. The 30-company Dow Jones Industrial Average (INDEXDJX:.DJI) added 0.8 percent to 18,162.82, while the tech-heavy Nasdaq Composite (INDEXNASDAQ:.IXIC) rose 0.8 percent to 5,158.46. Most followed shares included Humana, Baxter, Pfizer, Fitbit, Micron Technology, Facebook, AMD, Williams, Cigna, and Carnival.

In health-care stocks, Humana (NYSE:HUM) added 0.5 percent to $203.40 as media reports said Cigna along with Aetna are participating in an auction to acquire the provider of health insurance and Medicare plans. Aetna (NYSE:AET) was up 4.4 percent at $129.55. 

Baxter International (NYSE:BAX) rose 1.4 percent to $70.37. Baxter's biopharmaceutical spin-off Baxalta will be a member of the when it begins trading July 1, replacing QEP Resources which will move to the S&P Midcap 400. 

Pfizer (NYSE:PFE) inched up 0.7 percent to $34.44 after it agreed to acquire meningitis vaccines from GlaxoSmithKline PLC for about $130 million, a move to expand its global reach in preventing meningococcal disease. 

In technology shares, Fitbit (NYSE:FIT), a provider of health and fitness products, surged 17.9 percent to $38.26, extending gains on its third day of trading, after jumping more than 50 percent on its debut Thursday. 

Micron Technology (NASDAQ:MU) added 0.9 percent to $24.66 even as Goldman Sachs Group (NYSE:GS) cut its rating on the shares to sell. 

Facebook (NASDAQ:FB) rose 2.3 percent to $84.38. The world’s largest social network will unveil new mobile ad formats at an advertising conference in Cannes, France today. 

Advanced Micro Devices (NASDAQ:AMD) gained 3.1 percent to $2.66. The chipmaker is considering various strategic alternatives, including a breakup or a spin-off of various businesses, according to Reuters. 

In other stocks, Williams (NYSE:WMB) surged 26 percent to $60.94 after the natural-gas pipeline giant said it had rejected an unsolicited buyout offer worth $48 billion, but didn't specify who had made the bid. Today, Energy Transfer Equity L.P. (NYSE:ETE) said it was bidding $53.1 billion for Williams. 

Cigna (NYSE:CI) jumped 6.2 percent to $164.82 after the board of healthcare-services company rejected a $47.5 billion takeover offer from Anthem (NYSE:ANTM). 

ADRs of Carnival (NYSE:CCL) rose 2.8 percent to $51.89 after Deutsche Bank AG said the cruise line operator’s second-quarter earnings may beat forecasts, and raised its recommendation on the stock to buy. 

 

 

 

  Reported by Proactive Investors 14 hours ago.

Will you pay more health insurance as companies merge?

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The number of big health insurers could shrink from five to three if some rumored deals happen. There are concerns that will lead to higher prices and less coverage. Reported by CNNMoney 13 hours ago.

Crawford Advisors Webinar: How Larger Employers Can Increase Employee Coverage, Reduce Plan Costs and Maintain ACA Compliance.

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Medicaid Migration can provide low-wage employees and their families access to more affordable and comprehensive health insurance, while maintaining ACA compliance for large employers.

HUNT VALLEY, MD (PRWEB) June 22, 2015

Join us for this concise, informative webinar to learn about Medicaid Migration Benefits, and how larger employers can help employees increase coverages, reduce employer health plan costs and ensure ACA compliance. Employers that migrate low-wage workers to Medicaid can significantly reduce expenses while still meeting the ACA Employer Mandate. This solution provides low-wage employees and their families, who might not have been able to afford health insurance, access to comprehensive healthcare. The results include a healthier, more productive workforce, and an improved bottom line. Learn more about Medicaid Migration Benefits, in this complimentary webinar. Topics include:· Qualification criteria for Medicaid Migration
· Helping low low-wage employees sign up
· Educating employees about their healthcare options
· Determining if employees are eligible for other benefits (food stamps, a free phone, etc.)

June 24, 2015 1:00 PM - 1:35 PM ET

Click here to register

​Open to all HR professionals - but not brokers, agents, TPAs, PEOs

Crawford Advisors, LLC helps organizations design, implement and administer health, life, disability and voluntary benefit programs. The end result is a benefits program that is cost effective and maximizes employee value while meeting the needs of the bottom line. Crawford's expert team guides companies in the areas of strategic design, financial analysis, administration and employee health improvement to help deliver the best value for what has become one of the largest expenses for most organizations. Call 800-451-8519 for a complimentary executive consultation or visit http://www.crawfordadvisors.com. Reported by PRWeb 14 hours ago.

Health insurance giant Anthem presses for Cigna takeover at $54 billion

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Health insurance giant Anthem Inc. reiterated the merits of its $54-billion offer for rival Cigna Corp. as shares of both companies rose during Monday trading. Reported by L.A. Times 13 hours ago.

A hidden reason your health care costs are going up

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*A hidden reason your health care costs are going up*

Health insurers, like all businesses and families for that matter, need to set some money aside to cover unexpected costs. But many non-profit insurers have amassed enormous surpluses, much higher than required by regulators, even as they raise premiums for their customers, a new Consumer Reports analysis finds.

“Plans should not be allowed to justify rate hikes by saying they need to grow their surplus if their surplus is already very large,” says Dena Mendelsohn, a health policy analyst with Consumer Reports and the author of the report.

The report found that nine nonprofit Blue Cross Blue Shield carriers collectively had more than $12 billion in surplus funds last year. Some notable examples, all nonprofits:

· Wyoming’s Blue Cross Blue Shield plan, which increased its surplus fund by nearly 50 percent between 2010 and 2014, amassed a surplus of $251.3 million by last year, seven times more than the required minimum and nearly four times more than the higher minimum recommended by the Blue Cross Blue Shield Association.
· Tennessee BlueCross BlueShield Plan socked away $1.7 billion, more than five times the required minimum.
· Arizona’s Blue Cross Blue Shield stockpiled $1.03 billion, yet hiked its premiums every year between 2007 and 2009.
· California’s Blue Shield plan, also known as the California Physicians’ Service, had more than $4 billion in surplus funds in 2014. The California Franchise Tax Board has revoked the plan’s state tax-exempt status, though the reasons for the revocation have not been made public.

Read more of our reports on health insurance.

Health insurance premiums are meant to cover claims, needed services, and to build up a reasonable surplus, Mendelsohn explains.  “But we haven’t seen any evidence that these huge surpluses benefit consumers.”

Governmental agencies can review insurance rates and premium hikes in some states, but they have limited authority to restrict stockpiling or to order insurers to spend down those surpluses. In general, regulators can’t tell carriers what to do with the premiums they collect; all they can do is reject proposals to charge excessive amounts.

While carriers say the Affordable Care Act’s provisions expose them to greater risk because they can no longer refuse coverage to people with preexisting conditions or limit coverage to women of childbearing age, the ACA established several programs specifically designed to shield plans from unknown risks. The act also subsidizes premiums for low- and moderate-income earners in order to broaden the risk pool and encourage young healthy people to buy insurance.

The surplus report will be distributed to advocates who review premium rates in their states and often push for more effective rate review processes.  Consumer Reports is urging policymakers and regulators, including Health and Human Services officials, to rethink how surpluses are evaluated in the context of rate hike requests and consider establishing maximum ceilings for surplus funds, not just minimum levels, and laws that allow regulatory agencies to deny rate increases or require spending down excess surpluses.

—Roni Caryn Rabin

 

*Consumer Reports has no relationship with any advertisers on this website. Copyright © 2006-2015 Consumers Union of U.S.*

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Update your feed preferences Reported by Consumer Reports 8 hours ago.

Why America's Central Bank Is Concerned About Our Growing Dental Health Care Crisis

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If the U.S. Federal Reserve is concerned about the state of dental care in this country, you know we have a problem.

In fact, according to the Fed, we have a very big problem.

The Federal Reserve Board of Governor's Report on the Economic Well-Being of U.S. Households, released last month, contained some alarming statistics about the ability of Americans to find affordable health care--especially dental health care.

The report--which came almost 15 years to the day after U.S. Surgeon General David Satcher's startling assessment of oral health in America--found that access to affordable dental care appears not to have improved much at all over the past decade and a half, especially among low-income families and people of color.

The report was the result of a survey the Fed conducted to get a handle on how many of us are experiencing economic hardships severe enough to make it difficult to make ends meet.
Thirty-two percent of those surveyed said they would have a hard time weathering a three-month period of "financial disruption" that might result from life-altering events such as the loss of a job or death of a primary breadwinner.

But job loss was not the main reason for a setback. Even with Obamacare, which enabled many of the previously uninsured to enroll in a health plan, the number one reason people cited for their financial hardship was a medical emergency.

Researchers found that dental care topped the list of the necessary medical care people said they didn't get because of the cost.

When asked if there was a time during the past 12 months when they needed to see a doctor, specialist or mental health provider, get follow-up care or a prescription filled, or get dental care, 25 percent said dental care. Coming in a distant second at 15 percent was seeing a doctor.

Because of the close connection between oral health and overall health, skipping dental care can have serious consequences. Millions of Americans wind up in the hospital every year because they waited to long to get the dental care they needed.

As the report's authors pointed out, the likelihood of foregoing care due to cost is strongly related to one's income. Of survey respondents with a household income under $40,000, close to half said they had gone without some form of care during the previous year. Even if they had health insurance, it's likely that few had dental benefits. Other researchers have estimated that as many as 140 million Americans have no dental coverage. And most people who do have dental benefits are in plans with high deductibles and low annual maximums. Most dental plans will only pay 50 percent of expensive procedures like root canals, and coverage typically is capped at $1,500 a year.

Sadly, in many respects, we as a nation have made little progress in addressing what Satcher referred to as a "silent epidemic."

Here's how Satcher summed it up in 2000:
"The major message of this Surgeon General's report is that oral health is essential to the general health and well-being of all Americans and can be achieved by all Americans. However, not all Americans are achieving the same degree of oral health. In spite of the safe and effective means of maintaining oral health that have benefited the majority of Americans over the past half century, many among us still experience needless pain and suffering, complications that devastate overall health and well-being, and financial and social costs that diminish the quality of life and burden American society. What amounts to 'a silent epidemic' of oral diseases is affecting our most vulnerable citizens--poor children, the elderly, and many members of racial and ethnic minority groups."
There have been some positive developments over the past 15 years. The Affordable Care Act made dental benefits available to more children, and more people are getting sealants that help prevent decay.

But consider this:
· Since 2000, the number of people living in areas where they can't easily see a dentist has climbed from 25 million to 47 million.

· The number of people seeking treatment for dental problems in hospital emergency rooms--one of the most expensive and least effective places to treat patients in pain because of bad teeth and diseased gums--nearly doubled from 1.1 million in 2000 to 2.1 million in 2010.

· Dental decay is still the number one chronic illness among children.

· More than a third of elementary school children have untreated tooth decay; the rate is twice as high for Hispanic and non-Hispanic black children and even worse for Native Americans.

· Even though more children have dental benefits, half of all kids on Medicaid did not get in to see a dentist in 2011, in large part because 80 percent of dentists nationally still do not accept Medicaid payment.
In a recent interview, Satcher noted, somewhat despairingly, that while "we have made progress, we still have some major challenges and disparities."

"We still don't have enough dentists," he said, "and there are not enough states that are willing to look at alternatives (to make up for the shortage of dentists)."

Among the alternatives Satcher believes every state should be considering: allowing "dental therapists"--similar to nurse practitioners and physician assistants--to practice, as they can now in Alaska and Minnesota and will soon in Maine.

"I do think that dental therapists can fill that gap and that dental therapists ought to have partnerships with dentists no matter how far away dentists are," he said, adding that similar arrangements have helped to expand mental health services through partnerships with primary care physicians.

"We need to find a way to make sure that everyone has access to quality oral health care," and dental therapists can and should be a part of the solution, he said.

*Author's Note:* This blog post is part of a series examining America's oral healthcare crisis. Be sure to read the previous post, " Why Growing Numbers of Americans Are Embarrassed to Smile."

-- 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 10 hours ago.

More people have been forced to work part-time in this economy and that's not going to change

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Part-time work is here to stay.

The Federal Reserve of San Francisco released a paper Monday showing that while the number of workers who have been forced into part-time jobs for economic conditions is shrinking, it is still elevated compared to unemployment.

Rob Valletta and Catherine Van der List at the San Francisco Fed wrote that after the past two recessions when unemployment dropped to the current level, part-time work for economic reasons was 3.2%.

It is currently 4.2%.

This suggests that there have been structural shifts, not just cyclical ones, that are keeping the number high.

Valletta and Van der List identify changes such as more service-industry employment, the aging of the workforce and higher wages for hourly employees. They also note that the requirement that full-time workers must be provided with health insurance did not impact the number of involuntary part-time workers.

In the analysis, the economists did reiterate that business cycle changes still are the predominant reason for involuntary part-time work, but the higher level suggests longer-term upward shifts of 1 to 1.25% to the number.

Join the conversation about this story »

NOW WATCH: 4 major issues for any American who wants to visit Cuba Reported by Business Insider 10 hours ago.

Wall Street trades higher on hopes Greece will reach deal with lenders to avert default

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Wall Street climbed today on hopes Greece and its lenders will reach a deal to avert a default. The S&P 500 (INDEXSP:.INX) rose 0.7 percent to 2,124.55 at 3:12 p.m. in New York. The 30-company Dow Jones Industrial Average (INDEXDJX:.DJI) added 0.6 percent to 18,129.05, while the tech-heavy Nasdaq Composite (INDEXNASDAQ:.IXIC) rose 0.8 percent to 5,155.79.

The Greek government pitched a last-ditch reform package to its creditors yesterday Eurozone finance ministers, meeting in Brussels, hailed the proposal as a step forward. Dutch Finance Minister Jeroen Dijsselbloem, who chairs meetings of the Eurogroup of eurozone finance ministers, said the proposal could be the basis for a deal later this week.

*DATA:*

Sales of existing homes rose in May, hitting fastest pace since November 2009 and rebounding from a drop in April.

*MOVERS:*

Cigna (NYSE:CI) jumped 5.1 percent to $163.15 after the board of healthcare-services company rejected a $47.5 billion takeover offer from Anthem (NYSE:ANTM). 

Humana (NYSE:HUM) fell 5.1 percent to $191.77, reversing earlier gains. Media reports said Cigna along with Aetna are participating in an auction to acquire the provider of health insurance and Medicare plans. Aetna (NYSE:AET) advanced 4.1 percent to $129.17. 

Baxter International (NYSE:BAX) rose 0.9 percent to $70.00. Baxter's biopharmaceutical spin-off Baxalta will be a member of the when it begins trading July 1, replacing QEP Resources which will move to the S&P Midcap 400. 

Pfizer (NYSE:PFE) inched up 0.5 percent to $34.35 after it agreed to acquire meningitis vaccines from GlaxoSmithKline PLC for about $130 million, a move to expand its global reach in preventing meningococcal disease. 

Fitbit (NYSE:FIT), a provider of health and fitness products, surged 12.5 percent to $36.57, extending gains on its third day of trading, after jumping more than 50 percent on its debut Thursday. 

Facebook (NASDAQ:FB) rose 2.9 percent to $84.88. The world’s largest social network will unveil new mobile ad formats at an advertising conference in Cannes, France.. 

Advanced Micro Devices (NASDAQ:AMD) gained 2.7 percent to $2.66. The chipmaker is considering various strategic alternatives, including a breakup or a spin-off of various businesses, Reuters reported. 

Williams (NYSE:WMB) surged 23.8 percent to $59.82 after the natural-gas pipeline giant said it had rejected an unsolicited buyout offer worth $48 billion, but didn't specify who had made the bid. Today, Energy Transfer Equity L.P. (NYSE:ETE) said it was bidding $53.1 billion for Williams. 

ADRs of Carnival (NYSE:CCL) rose 2.6 percent to $51.89 after Deutsche Bank AG said the cruise line operator’s second-quarter earnings may beat forecasts, and raised its recommendation on the stock to buy. 

*COMMODITIES*

Gold for August delivery, the most commonly traded contract, closed down 1.5 percent at $1,184.10 a troy ounce on the Comex division of the New York Mercantile Exchange.

Brent crude futures were down 20 cents, or 0.3 percent, at $62.82 a barrel by 1:37 p.m. U.S. crude futures fell 30 cents, or 0.5 percent, to $59.31 a barrel, ahead of the expiry of the front-month July contract.

  Reported by Proactive Investors 11 hours ago.

Q&A: Why The Most Famously Libertarian VC Firm Is Diving Deep Into Education And Health

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 While my curlicued co-worker Josh Constine continues to cover the Meerkats and Free apps of the world, there’s a fascinating counter-trend of serial entrepreneurs, who have been successful in the consumer web, going into extraordinarily difficult and highly-regulated areas like health insurance, education and elder care. As Fortune’s Dan Primack wrote the other month… Read More Reported by TechCrunch 10 hours ago.

Why We Need a Market for Organs

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Over 123,000 people in the U.S. need organ transplants. But in 2014, only 28,953 transplants were performed. Every day, 21 people die because they cannot secure an organ for transplant-- and this number is on the rise. Even with countless celebrity-backed public service announcements urging the public to become organ donors, the supply of organs is nowhere close to matching the demand. If we continue to rely on donations alone, there is little we can do to help patients in need of organ transplants.

A burgeoning black market for organs fills this gap between supply and demand. Patients from more affluent countries like the US, Canada and the UK travel to countries like China and India to buy organs illegally. In 2011, the FBI discovered the first US based organ ring in Brooklyn, New York. Levy Izhak Rosenbaum, an Israeli citizen, confessed to arranging illegal kidney transplants and pocketing approximately $410,000 in brokerage fees. He was sentenced to two and a half years in prison. None of the organ recipients were prosecuted.

Transplant surgeons and economists alike advocate for a legal organ sales market to remedy the problem. The sale of eggs, sperm and blood is legal, so why should organs be any different? Yet this idea has not been widely accepted by the public. Resisters argue that legalizing organ sales will exploit the poor, as they are more likely to risk organ removal surgery for monetary gain. Poor people are not only more likely to participate, but also less likely to have the resources to take care of themselves after the invasive surgery.

Opponents often fail to acknowledge that the poor are already exploited in the black market. Like most illegal activities, the sale of organs is fraught with criminality and violence. Organs are stolen or purchased at a great disadvantage to the seller with very high brokerage fees. Worst of all, the surgeries may be performed in unsafe conditions, by unqualified individuals. This puts both the organ donor's and the patient's lives at risk.

The current U.S. system for legally procuring organs depends on the good will of donors who want to save the life of someone they know, or a stranger they may never meet. But no other necessary medical procedure depends on such a capricious system. If the supply of morphine depended on the good will of pharmaceutical companies no hospital would be able to address the pain of its ailing patients. A regulated market would not only increase the supply of organs by setting a fair price for them, but also protect the rights and safety of the people who are willing to sell their organs.

Regulation of organs for sale has been successfully implemented in one country: Iran. In a state-regulated market, the government buys organs and sells them to patients at a fair price. This has greatly reduced the waiting time for an organ. Organ sellers enter a contract knowing that they will also be provided with free health insurance for a year. The government mandates that organ recipients pay for as much of the cost of the organ purchase and transplant surgery as they possibly can, with the government covering the rest.

Iran's success should prompt us to recognize the value of a well-regulated market when it comes to organs. We should also respect an individual's right to assess the risk of selling their organs. Why are we still preventing individuals from willingly selling their organs for a fair price in a safe environment? Especially when it means we can save 21 lives every day.

-- 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 10 hours ago.

Anthem confident, but experts see antitrust hurdles to Cigna deal

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By Caroline Humer and Diane Bartz

NEW YORK/WASHINGTON (Reuters) - U.S. health insurer Anthem Inc on Monday dismissed concerns that buying smaller competitor Cigna Corp would be considered anti-competitive, even as antitrust experts said the combination would earn regulatory scrutiny.

Any merger could require asset sales and would be complicated by other potential deals in the U.S. healthcare industry, expected to see rapid consolidation. Insurers have emerged from years of changes in health insurance under President Barack Obama's national healthcare reform law and are seeking now to use scale to trim administrative costs and negotiate lower prices with doctors in their networks.

Anthem, which runs Blue Cross Blue Shield plans in 14 states, disclosed on Saturday that it had offered to buy Cigna for $47 billion but said the deal was held up over issues like the role of Cigna's CEO at the merged company.

Cigna on Sunday confirmed that it had rejected the offer, but said that it was doing so because of its own concerns about Anthem's management and that the combination would run afoul of the rules governing members of the Blue Cross Blue Shield Association.

The Blue Cross Blue Shield Association is made up of 37 different health plans, of which Anthem is the largest, who work together to create a national network of health insurance coverage.

"We believe there is a consensus of where there is overlap between our companies and that no substantive antitrust or insurance regulatory issues are present that would prevent completion of the transaction," Anthem CEO Joseph Swedish said during a conference call.

Anthem and Cigna overlap in several lines of the insurance business, including Medicare for older people and the disabled, as well as insurance for companies and in administering insurance benefits for large employers who provide health plans.

For instance, according to an analyst report from Wall Street firm Oppenheimer, the companies may need to address overlap in the large group insurance market in Indiana, Maine and New Hampshire, where combined they would have more than 40 percent of the market.

The U.S. Department of Justice will look at how the proposed combination - with deal values estimated in the tens of billions of dollars - would increase market share in each county or region for each type of health insurance plan that the companies offer, antitrust experts say.

They may need to review a second deal at the same time. Humana Inc has sought to sell itself through an auction process and both Cigna and Aetna are participating, a source familiar with the situation previously told Reuters.

    "It's a dynamic analysis, right? There's a lot going on here. There's a lot that can happen and it (the antitrust review) really is market by market, geography by geography, product line by product line," said Jonathan Lewis, an antitrust lawyer at BakerHostetler in Washington DC. Lewis predicted "a long review process."

Cigna shares were trading up 5.7 percent at $164.18 Monday while Anthem shares were up 4.3 percent at $172.11.

Join the conversation about this story » Reported by Business Insider 8 hours ago.

Scaling Agile To Create A Great Work Culture

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If you heard there was this great company to work for where the leaders practiced an innovative management model that promoted fun at work, made sure that everyone's voice matters, encouraged teams to initiate innovation, and resulted in thousands of applications being received for every job opening, you might think we were talking about Google. You would probably be surprised to learn that we are actually describing one of the oldest legacy companies in America, Blue Cross Blue Shield of Nebraska.

Founded in 1939, the midwestern health insurer has a long history of traditional management. However, over the past decade, under the leadership of its current CEO, Steve Martin, Blue Cross Blue Shield of Nebraska has quietly become one of the few legacy companies that has successfully transitioned the fundamental dynamics of its management operating system from a top-down hierarchy to a peer-to-peer network. The Blue insurer accomplished this cultural transformation by taking the bold step of scaling the Agile practices of its IT division to the entire organization.

*The Best-Kept Management Secret*

Agile is an innovative management methodology that was the inspiration of 17 software developers who had gathered at Snowbird, Utah in early 2001 to uncover better ways to do their work and overcome the intrusive and unproductive constraints of traditional management practices. The result of their efforts was the crafting of the one-page Agile Manifesto and the birth of a management movement that, according to the business author Steve Denning, is "the best-kept management secret on the planet."

Agile management methodologies call for doing work in in self-organized, cross-functional teams. These teams generally work in iterative three-week phases, which are called "sprints," with clear deliverables at the end of each phase. The interim deliverables are assessed in facilitated collaboration sessions and any needed changes are incorporated into the next sprint. Since it inception in 2001, this management movement has produced extraordinary results in the IT units of hundreds of companies around the globe under the labels Scrum, Agile, and Kanban.

*Scaling Agile Beyond IT*

Blue Cross Blue Shield of Nebraska's IT area embraced Agile as its basic software development discipline in 2008 when Susan Courtney, the insurer's CIO, brought it into the organization. The dramatic improvement in the ability to deliver complex IT projects consistently on time and significantly under budget caught the attention of Martin, who wondered what might happen if this new Agile methodology was scaled into the regular business units. Inspired by the opportunity to make a leap to extraordinary performance, the health insurer's leadership team began an effort to train their managers and staff in Agile tools and practices.

One of the first things the staff learned is that the essential building block of work is not the individual, but the team. This doesn't alleviate individual responsibility, but rather shifts the focus of responsibility from the performance of individual tasks to the performance of team contributions. Cameron Ludwig, the Vice President of Analytics and Data Strategy, explains this shift is important because, "Delivering customer value only happens when the whole team performs." Accordingly, people are accountable to all members on their teams, and everyone is expected to keep their commitments and to help other team members when needed.

*From Pyramids to Triangles*

The scaling of Agile across Blue Cross Blue Shield of Nebraska has shifted the paradigm on how leadership works. This paradigm shift is reflected in a common visual you will notice in the various meeting spaces where teams gather: the triangle. At first, the visual could be mistaken for the usual pyramid that is often used to depict the dynamics of top-down management. But a closer look at the organization's triangle reveals that is a symbol for a network of relationships among the three corners of the figure, with a co-equal leader designated for each corner:
· The Product Owner, who is responsible for providing clarity and focus to the team around the work to be done.· The Scrum Master, who is responsible for the health of the team and its adherence to Agile practices.· The Technical Lead, who is responsible for guiding the team on how the work is to be done and ensuring it aligns with the Enterprise Architecture.
The triangle is the fundamental fractal that serves as the key dynamic for how Blue Cross Blue Shield of Nebraska works. It is reminiscent of the tripartite leadership approach that has fueled the success of two of the world's most successful businesses: Google, with its team of Larry Page, Sergey Brin, and Eric Schmidt, and Intel, with its team of Gordon Moore, Robert Noyce, and Andy Grove. Blue Cross Blue Shield of Nebraska has found a way to scale this tripartite leadership model throughout its entire organization.

*The Importance of Visualization*

In addition to triangles, there are many other visuals displayed on the walls of Blue Cross Blue Shield of Nebraska. Walk around the building and you will see teams working in open work spaces with walls covered in Post-It notes arrayed in pictures that convey the stories behind their projects. Visualization is a core management concept at the health insurance company. "Visualization is powerful," explains Courtney, "because it clearly conveys how everyone's work is interconnected, fosters collaboration, and gives people the tools to effectively self-organize their work." This concept delivered in a very big way a few years back when the insurer's computer network went down for five hours while the leaders of the IT organization were attending an off-site meeting. Without waiting for direction, the various on-site teams self-organized their efforts and effectively resolved the computer outage.

In his recent book, How Google Works, Eric Schmidt explains the secret behind Google's success is a commitment shared among the leaders to hire great people and get out of their way. The scaling of Agile is Blue Cross Blue Shield of Nebraska's way of applying Google's wisdom. As Jennifer Richardson, the Senior Vice President of Operations, points out, "We concentrate on providing our teams the vision, or the "what" we need and leave the "how" to the teams. Then it's our job to build a container in which people are free to do their best work."

Rod Collins (@collinsrod) is the Director of Innovation at Optimity Advisors and the author of Wiki Management: A Revolutionary New Model for a Rapidly Changing and Collaborative World (AMACOM Books, 2014)

-- 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 9 hours ago.

After The Charleston Massacre - Who Is A 'Terrorist'?

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After The Charleston Massacre - Who Is A 'Terrorist'? Submitted by Justin Raimondo via Antiwar,ciom,

*The recent attack on a predominantly African-American church by a murderous racist has provoked a passionate debate about who is – and is not – a “terrorist.”* According to FBI director James Comey, the perpetrator of the Charleston massacre – in which nine people were killed – doesn’t qualify:



“Terrorism is act of violence done or threatens to in order to try to influence a public body or citizenry, so it’s more of a political act and again based on what I know so more I don’t see it as a political act.”



*Many are baffled by this, and point to what appears to be a curious double standard: *after all, if a Muslim commits violence the media and the authorities are unanimous in their verdict that it was a “terrorist” act, and should be treated as such. And this is not just a matter of terminology: it is legally significant, since the post-9/11 era has given us a whole body of “terrorism”-related law that mandates severe punishment for crimes so designated. A piece in Newsweek avers:



“For many, [Dylann] Roof does not evoke the cultural norm of a terrorist. ‘We often have things labeled as hate crimes but there’s a big leap from the label ‘hate crime’ to ‘terrorism,” explains Ibrahim Hooper, the communications director for the Council on American-Islamic Relations. ‘We always wait when these incidents are first reported to hear if it was carried out by a Muslim to find out if it will be labeled terrorism.'”



*Hooper’s complaint, echoed in some quarters of the media, is seemingly well-justified:* after all, Roof is quite explicit about the essentially political-ideological motive behind his heinous act. Before opening fire he told his victims he “had to do it” because blacks are “taking over the county.” An online manifesto discovered after the Charleston attack explicates his racist views at some length. *So why isn’t Dylann Roof a terrorist?*

Glenn Greenwald has taken a stab at the who-is-a-terrorist issue in a recent article for The Intercept. He points to one Joseph Stack, whom he describes as “an anti-tax, anti-government fanatic” with “largely libertarian views”: Stack, you’ll recall, drove a plane into an IRS building, and – like most ideologicaly-motivated killers – wrote a manifesto justifying his actions. “The attack,” writes Greenwald, “had all of the elements of iconic terrorism, a model for how it’s most commonly understood: down to flying a plane into the side of a building. But Stack was white and non-Muslim. As a result, not only was the word ‘terrorism’ not applied to Stack, but it was explicitly declared inapplicable by media outlets and government officials alike.”

Greenwald goes on to list a number of incidents that seem to fit this “iconic” pattern, and yet were labeled mere “criminal” acts, as opposed to acts committed by Muslims, which seemingly qualify the perpetrator as a “terrorist.” This issue, he avers, is “about the identity of those committing the violence and the identity of the targets. It manifestly has nothing to do with some neutral, objective assessment of the acts being labeled.”

*Yet Greenwald is too smart to fall into the same error as virtually all of the politically correct pundits waxing indignant over this question.* He writes:



“The point here is not, as some very confused commentators suggested, to seek an expansion of the term “terrorism” beyond its current application. As someone who has spent the last decade more or less exclusively devoted to documenting the abuses and manipulations that term enables, the last thing I want is an expansion of its application.”



This is important, because *several on the left have bemoaned the fact that the Department of Homeland Security was forced to back off of their “report” on “right-wing extremism” as a result of protests by conservatives in Congress and the media*: according to the PC crowd’s logic, the Charleston incident shows they should be investigating “right-wing extremism” more seriously and strenuously. Which just goes to show that the left can be more of a threat to our civil liberties than even the right at its worst. Greenwald continues:



“But what I also don’t want is for non-Muslims to rest in their privileged nest, satisfied that the term and its accompanying abuses is only for that marginalized group. And what I especially don’t want is to have this glaring, damaging mythology persist that the term ‘terrorism’ is some sort of objectively discernible, consistently applied designation of a particularly hideous kind of violence. I’m eager to have the term recognized for what it is: a completely malleable, manipulated, vapid term of propaganda that has no consistent application whatsoever. Recognition of that reality is vital to draining the term of its potency.”



*Seen from the government’s perspective, the issue has nothing fundamentally to do with Muslims. They are merely the latest group to get in Washington’s sights as a credible threat to its power and objectives. *Back in the 1990s, you’ll recall, the terrorist threat had a different face: that of Timothy McVeigh, the mastermind behind the bombing of the Oklahoma City federal building. Like Stack, he was what Greenwald would characterize as an “anti-government fanatic,” but unlike Stack he was apparently part of an organized “extremist” underworld, with affiliations with the “militia” and “patriot” movements. Unlike Stack, he acted in concert with others: and, also unlike Stack, he was linked by federal officials – notably President Bill Clinton – with a much larger movement which included “mainstream” conservative figures.

A May 1995 New York Times story reporting on a Clinton speech is headlined: “Terror in Oklahoma: The President; Clinton Assails the Teachings of the ‘Militias'”:



“‘If you appropriate our sacred symbols for paranoid purposes and compare yourselves to Colonial militias who fought for the democracy you now rail against, you are wrong,’ Mr. Clinton said here in a commencement address at Michigan State University. ‘How dare you suggest that we in the freest nation on earth live in tyranny? How dare you call yourselves patriots and heroes?’

 

“In an interview published in the Detroit Free Press today, Mr. Clinton also singled out for the first time a conservative radio talk show host, G. Gordon Liddy, as the sort of figure who had said things "’I cannot defend.’ Mr. Liddy advised his listeners last week to shoot first to the body and then to the groin if confronted with force by Federal agents …

 

"’I say this to the militias and all others who believe that the greatest threat to freedom comes from the Government instead of those who would take away our freedom: If you say violence is an acceptable way to make change, you are wrong,’ Mr. Clinton said. ‘If you say that Government is in a conspiracy to take your freedom away, you are just plain wrong.

 

"If you treat law-enforcement officers who put their lives on the line for your safety every day like some kind of enemy army to be suspected, derided and, if they should enforce the law against you, to be shot, you are wrong."



*Conflating “anti-government” ideology with violence, Clinton went around the country campaigning against the “far right,” which was, as a result of the Oklahoma City bombing, the bogeyman-du-jour.* The incident not only revived his failing presidency – crippled by GOP success in the congressional elections and the failure of Hillary’s health insurance initiative – it paved the way for passage of draconian “anti-terrorism” legislation and the beginnings of a lucrative government-private sector industry centered around “terrorism prevention.” For the first time in modern history, “terrorism” was utilized as a rationalization for limitations on the right of habeas corpus, and invoked to justify spying on political groups. The easing of the Posse Comitatus restrictions on the use of the military in domestic law enforcement, expanding the use of wiretaps, and extending the power of government officials to spy on the Internet, were encoded into law for the first time. All the elements of the post-9/11 “Patriot” Act were prefigured in this 1995 legislation – drafted in large part by then Senator Joe Biden.

Greenwald is wrong that US government officials lack an objectively discernible and consistently applied definition of a “terrorist.” *Simply put, terrorism is a term used by them to describe any organized attempt to resist the state-sanctioned terror of the United States government, here at home or internationally.*

Note that it isn’t enough to commit violence on account of one’s “anti-government” views: Joseph Stack was merely a lone wolf whose protest represented nothing and no one but himself. Although Greenwald identifies him as a “libertarian,” in fact his act aroused no sympathy or defense from the libertarian movement for the simple reason that libertarians oppose violence. While one could argue that – from a libertarian point of view – Stack was acting defensively against a coercive institution, i.e. the federal government, this stance has close to zero support among libertarians not least because Stack’s act did nothing to advance the cause of liberty, and, indeed, did much to discredit it.

McVeigh, on the other hand, did represent a movement, the growth of which President Clinton seized on to shore up his sinking political fortunes – and, not incidentally, to expand the power of the State. The “anti-right-wing extremist” campaign launched in the wake of the Oklahoma City bombing gave Clinton the opportunity to link his political enemies in the Republican party to McVeigh’s heinous act – just as the 9/11 attacks gave George W. Bush and his neoconservative amen corner the chance to smear anyone who opposed his foreign policy of unmitigated aggression with the “terrorist” brush. “You’re either with us – or you’re with the terrorists!“

*From the anarchist bombings of the nineteenth century to the Oklahoma City bombing to the 9/11 attacks and now the Charleston massacre – governments utilize the moral panic and genuine physical fear generated by these incidents to encroach on our rights guaranteed by the Constitution. And the rationalization is always the same: the threat of organized subversion, either the prospect of domestic rebellion or foreign invasion.*

During World War II, these dual threats were merged into one and used to* justify not only the internment of Japanese Americans but also a series of “sedition” trials. *Right-wing “isolationist” opponents of the war were rounded up and tried en masse, at President Franklin Roosevelt’s insistence: the government tried to prove that the defendants were engaged in a “conspiracy” to encourage sedition in the military not on account of any actions they engaged in collectively – most had never even met each other – but because they represented a conspiracy of shared ideas. Likewise, *the government charged the leaders of the Socialist Workers Party, an organization of Trotskyists, with a similar “crime,” and succeeded in locking them up.* Both trials were cheered on by “liberals” of the time – with the Communist Party loudest in its hosannas. (Even the American Civil Liberties Union fell down on the job, refusing to defend the rightists, although they did offer legal and moral assistance to the Trotskyists.)

*Wherever government officials sense a credible threat to their power, they invariably take every opportunity to crush it by any means necessary: this is the first principle of how governments function, and every libertarian is all too familiar with it. *The post-9/11 era has brought this lesson home, far beyond the relatively narrow confines of the libertarian movement. And this latest tragedy, you can be sure, will be used to accomplish the same anti-libertarian ends: the calls to investigate “hate groups,” and even to ban “hate speech,” are already being heard. *Of course, who and what constitutes a “hate group,” and who is hating whom are subjective evaluations that no government official is qualified to make – not that this stops the largely left-wing proponents of such a dangerous idea, who cannot imagine that these pernicious proposals will ever be used to target them.*

As that political hack Rahm Emmanuel put it:



“You never let a serious crisis go to waste. And what I mean by that it’s an opportunity to do things you think you could not do before.”

Reported by Zero Hedge 4 hours ago.

Obamacare's First Year Brought Health Insurance To Millions, Official Survey Says

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WASHINGTON -- Millions of people gained health insurance last year as Affordable Care Act benefits took effect, according to the first official accounting by the federal government.

In 2014, 36 million U.S. residents, or 11.5 percent of the population, were uninsured on the day they were surveyed, a decline of 8.8 million people and 2.9 percentage points from the year before, according to the Centers for Disease Control and Prevention's National Health Interview Survey.

The Affordable Care Act remains unpopular, and is besieged politically and legally. The Republican-controlled Congress continues efforts to unwind the law, GOP presidential hopefuls vow to shepherd its repeal and the Supreme Court is poised to rule on a lawsuit conceived by conservative and libertarian activists that would undo much of Obamacare's expansion of health coverage.

But as these new CDC data show, the Affordable Care Act is succeeding in its central aim of helping people obtain health insurance. The findings are consistent with numerous other surveys taken since last year, including recent Gallup polling that shows the uninsured rate continued to decline in 2015, the second year of enrollment through the Obamacare health insurance exchanges.

The national improvement in the share of U.S. residents who have health coverage masks significant variation among the states. In Oklahoma and Texas, 21.5 percent of residents are uninsured -- more than eight times as big a share as in Hawaii, where just 2.5 percent of people have no health insurance. Massachusetts and Delaware have the next-lowest rates to Hawaii's, while Alaska and Florida have the next-highest after Oklahoma and Texas.
Source: Centers for Disease Control and Prevention

The uninsured rate among working-age adults has returned to the levels seen in the late-1990s and early-2000s. After more than a decade of gradual growth, the share of U.S. residents without health insurance began to fall in 2010, a trend that coincided with the halting recovery from the Great Recession. But the decrease in the percentage of people without health insurance dropped more sharply last year, when the Affordable Care Act's expansion of coverage through Medicaid and private insurance began, the CDC survey found.
Source: Centers for Disease Control and Prevention

In addition to surveying how many people had no health insurance at the time the CDC interviewed them, the agency found that 51.6 million people, or 16.5 percent of the population, lacked insurance for at least part of the year before the day they were interviewed, and that 26.3 million people, or 8.4 percent, were uninsured for more than a year.

The survey revealed a strong correlation between those states that embraced implementation of the Affordable Care Act and bigger decreases in the uninsured, and between those states that resisted it and smaller effects from the law. In 2012, the Supreme Court made Obamacare's expansion of Medicaid to more poor adults optional for states, and currently 29 states and the District of Columbia have opted in.

The uninsured rate fell 5.1 percentage points to 13.3 percent in states that expanded Medicaid, compared with a decline of 3.1 percentage points to 19.6 percent in states that didn't broaden the program, the CDC found.

The uninsured rate fell more than 5 percentage points in 10 states, all of which expanded Medicaid, except Florida and Georgia. West Virginia's reduction was most dramatic: a 14.8-percentage point decline to 9 percent. By contrast, Louisiana, Maine and Tennessee, which all rejected the Medicaid expansion, show statistically insignificant increases in the uninsured. The uninsured rate in New York, which expanded Medicaid and runs an exchange, was unchanged.
Source: Centers for Disease Control and Prevention-- 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 hours ago.

America's Biggest Health Insurance Providers

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Reported by Forbes.com 17 hours ago.
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