Open enrollment for health care plans on the health insurance marketplace begins Oct. 1. Utahns have until December to make a...
Reported by Deseret News 4 hours ago.
Understanding health care: New options begin Oct. 1
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Small Business: Don't Read This If You Like High, Ever-Growing Health Insurance Premiums
While one Washington fails to lead, another Washington steps up. While the federal health reform gets a lot of media attention, in many ways the real action is in the "DIY Health Reform" movement driven by non-partisan entrepreneurs. For example, I outlined this prior to the State of the Union earlier this year -- Mr. President: The Deficit Problem was Solved Last Week but for the Preservatives
Reported by Forbes.com 4 hours ago.
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Restaurants fight 30-hour rule in health care law
By 2015, any company with more than 50 such employees (including "full-time equivalent employees," according to the law) will have to offer health benefits. If their businesses are profitable, they could dig into margins to cover the cost of insuring additional workers, thus curbing growth; or the owners could simply cut workers' hours to stay away from the 30-hour threshold as much as possible. About 16 percent of restaurant workers are at risk of reduced hours, according to estimates from UC Berkeley's Center for Labor Research and Education. Firehouse Subs, the fastest-growing restaurant chain in the U.S. with more than 660 company-owned and franchised restaurants, doesn't plan to cut workers' hours. Restaurant chains and franchisees argue that the mandate disproportionately affects their industry, where profit margins typically range from 3 to 5 percent. Hawaii for decades has required employers to offer health insurance to employees who work more than 20 hours per week, and San Francisco businesses with 20 or more employees must spend a minimum amount on health care based on the number of employees and hours worked under a 2008 law. (Some restaurants started adding a surcharge to bills to cover the cost.) Of course, some major restaurant chains, such as Starbucks and the Cheesecake Factory, already offer insurance to employees who work fewer than 30 hours a week. [...] not all of the newly eligible workers will decide to buy the insurance. Steve Caldeira, CEO of the International Franchise Association, said this will "create costly and burdensome tracking of employees' hours" for businesses and keep employees from having "the flexibility to work the hours they need and are accustomed to."
Reported by SFGate 1 hour ago.
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Obama to Meet With Health Insurance CEOs
Obama to meet with health insurance CEOs a day after announcing change to health care law
Reported by ABCNews.com 4 days ago.
Reported by ABCNews.com 4 days ago.
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Obama To Meet With Health Insurance CEOs
By JULIE PACE, THE ASSOCIATED PRESS
WASHINGTON (AP) — President Barack Obama, trying to rescue his much-criticized health care program, is set to discuss strategy with health insurance CEOs.
The White House meeting scheduled for Friday comes after Obama announced a substantial change to the law. The president said Thursday that insurance companies can offer people another year of coverage under their existing plans. That's because people have been losing coverage and haven't been able to find new plans on the balky HealthCare.gov website.
A White House official says Obama and senior aides will meet with CEOs to discuss helping people enroll in new plans and will talk about ways to minimize any disruptions as consumers switch to new plans. The official was not authorized to speak publicly in advance about the meeting and spoke on condition of anonymity. Reported by Huffington Post 4 days ago.
WASHINGTON (AP) — President Barack Obama, trying to rescue his much-criticized health care program, is set to discuss strategy with health insurance CEOs.
The White House meeting scheduled for Friday comes after Obama announced a substantial change to the law. The president said Thursday that insurance companies can offer people another year of coverage under their existing plans. That's because people have been losing coverage and haven't been able to find new plans on the balky HealthCare.gov website.
A White House official says Obama and senior aides will meet with CEOs to discuss helping people enroll in new plans and will talk about ways to minimize any disruptions as consumers switch to new plans. The official was not authorized to speak publicly in advance about the meeting and spoke on condition of anonymity. Reported by Huffington Post 4 days ago.
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Obama to meet with health insurance CEOs
President Barack Obama, trying to rescue his much-criticized health care program, is set to discuss strategy with health insurance CEOs.
Reported by Seattle Times 4 days ago.
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Fitch Releases Special Report on Health Insurance Exchange Projections
CHICAGO--(BUSINESS WIRE)--Fitch Ratings has published a new report that projects individual health insurers' state-by-state enrollment from health insurance exchanges over the next three years. Fitch projects that health insurers with geographically concentrated enrollments, particularly members of the Blue Cross and Blue Shield (BCBS) system, are likely to add the most enrollees on a percentage basis, from the insurance exchanges. Fitch believes that the near-to-intermediate term financial res
Reported by Business Wire 4 days ago.
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Zane Benefits Announces New Infographic on The History and Future of Small Business Health Insurance
Small Businesses Need to Understand the Changing Landscape of Employer Health Insurance in the U.S.
Park City, Utah (PRWEB) November 15, 2013
Zane Benefits, the #1 online health benefits solution, announced today the publication of an original infographic on small business health insurance. The new infographic helps small businesses, nonprofits, brokers, and accountants visualize the changing landscape of employer health insurance in the U.S.
According to Zane Benefits, employer health insurance originated in the 1940's as a way to increase non-taxable income during WWII wage controls. By the 1960's employer health insurance had become the norm. However, the current model of employer health insurance is broken for employers and employees and the cost is unsustainable.
Small businesses have been hit the hardest and as a result only 35% of small businesses offer health insurance to employees. That's 2.3 million small businesses in the U.S. not offering health insurance. The number one reason? Cost.
According to Rick Lindquist, President of Zane Benefits, "We are at a significant crossroads with health insurance in America. The infographic provides a visual depiction of the history of health insurance, the challenges small businesses face, and why defined contribution is the future."
Click here read the full article and access the infographic.
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About Zane Benefits, Inc.
Zane Benefits, Inc., a software company, helps employers, insurance brokers, and accountants take advantage of new defined contribution health benefits via its proprietary SaaS defined contribution software ("ZaneHealth"). Zane Benefits does not sell insurance. Using Zane’s platform, insurance professionals and accountants offer their clients a custom defined contribution plan. Learn more at http://www.zanebenefits.com. Reported by PRWeb 4 days ago.
Park City, Utah (PRWEB) November 15, 2013
Zane Benefits, the #1 online health benefits solution, announced today the publication of an original infographic on small business health insurance. The new infographic helps small businesses, nonprofits, brokers, and accountants visualize the changing landscape of employer health insurance in the U.S.
According to Zane Benefits, employer health insurance originated in the 1940's as a way to increase non-taxable income during WWII wage controls. By the 1960's employer health insurance had become the norm. However, the current model of employer health insurance is broken for employers and employees and the cost is unsustainable.
Small businesses have been hit the hardest and as a result only 35% of small businesses offer health insurance to employees. That's 2.3 million small businesses in the U.S. not offering health insurance. The number one reason? Cost.
According to Rick Lindquist, President of Zane Benefits, "We are at a significant crossroads with health insurance in America. The infographic provides a visual depiction of the history of health insurance, the challenges small businesses face, and why defined contribution is the future."
Click here read the full article and access the infographic.
--
About Zane Benefits, Inc.
Zane Benefits, Inc., a software company, helps employers, insurance brokers, and accountants take advantage of new defined contribution health benefits via its proprietary SaaS defined contribution software ("ZaneHealth"). Zane Benefits does not sell insurance. Using Zane’s platform, insurance professionals and accountants offer their clients a custom defined contribution plan. Learn more at http://www.zanebenefits.com. Reported by PRWeb 4 days ago.
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Obama grapples with resistance from states, insurers to his health-insurance fix
Faced with resistance from insurers and several states to his health-insurance fix, President Obama hastily called together insurance industry executives Friday to discuss their anxieties about how the new twist in his health-care law will be carried out.
Read full article >>
Reported by Washington Post 4 days ago.
Read full article >>
Reported by Washington Post 4 days ago.
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Here's Why Health Insurance Is So Weird
Every so often, I write about how Obamacare transfers wealth from the healthy to the sick, and while that's a just thing, we can't necessarily expect the healthy to be happy about it.
When I write this, I tend to get responses from liberals arguing that transfers from the healthy to the sick aren't a policy choice; they're just an obvious characteristic of insurance:
@jbarro @jbouie ALL ins works that way-good drivers pay for bad drivers; living ppl pay for dead ppl (life ins); healthy pay for sick.
— RealTrumanDem (@RealTrumanDem) November 15, 2013
This objection is wrong, and it reflects a misconception that most people have about insurance. This misconception obscures a key policy difference between conservatives and liberals that drives the debate over health care.
All insurance is a transfer to people who experience losses from people who do not. Health insurance is special in that it is a transfer to people who have high expected losses from people who do not. Liberals think this special feature is desirable; conservatives are uneasy about it.
Let's look at a simple property insurance example. Imagine a state where 50% of homes are located on the ocean and 50% are not. The oceanfront homes have a 10% chance of storm damage in a given year and the other homes have a 1% chance. Storm damage always results in a loss of $50,000 and the insurer has a profit margin of 10%.
By my calculations, oceanfront homeowners in this state will pay property insurance premiums of $5,500 and non-oceanfront homeowners will pay $550.
This insurance market will, in any given year, transfer money to the homeowners hit by storms from the homeowners who escape storms. But it will not, in the long run, transfer wealth from low-risk homeowners to high-risk homeowners. Over time, homeowners on the ocean can be expected to pay 91% of all premiums and make 91% of all claims.
Health insurance does not work like this. A variety of subsidies, regulations and norms conspire to ensure that people with high expected health costs — the equivalent of the oceanfront homeowners — pay premiums that are less than their expected claims. Their claims costs are cross subsidized by healthy people — the equivalent of inland homeowners — who pay far more in premiums than they can be expected to make in claims.
There's a challenge with any insurance market like this: How do you get the healthy people (or the inland homeowners) to buy insurance that's a bad deal for them? In the case of health insurance, we use a pile of subsidies, regulations and norms to goad the low risks into overpaying so they can subsidize the high risks.
We give out generous tax subsidies to buy health insurance, require employers to offer group health insurance on roughly the same terms across their employee populations, provide direct government health insurance to the old and the poor, and (under Obamacare) add new subsidies and penalties to push people into insurance. This stuff is all enormously expensive, but it gets most everybody covered.
As insurance markets go, health insurance is totally weird. But it's not totally random. Health insurance has to be unlike other insurance for a few reasons:
· People choose to live on the ocean; they don't choose to have a chronic health condition. So, it's a lot harder to say it's fair to charge higher premiums to people with higher expected costs. (Though, as an aside, this distinction doesn't stop lawmakers from hurricane-prone coastal areas from arguing that property insurance should be subsidized for their constituents.)
· In the case of auto insurance, higher premiums for dangerous drivers are, among other things, a mechanism for encouraging people to drive safely. It's not obvious how much we want to try to induce better health by charging higher premiums to the sick, though employers are doing a little bit of this by charging higher rates to smokers or overweight people who do not engage in fitness programs.
· People can face unexpected changes in health status that make annual insurance contracts less workable for health insurance than other kinds of insurance. Your home is not likely to be suddenly diagnosed with hurricane or earthquake risk. But if you're diagnosed with diabetes or HIV/AIDS or cancer, your expected lifetime path of medical claims will suddenly rise, and so will the premiums insurers would want from you. Current laws try to work around this with guaranteed renewability: Your insurer has to keep renewing your health insurance without a special premium increase even if your health status worsens. But this doesn't help you if you want to change insurers or have to move to another state. Addressing this problem requires some sort of redistribution toward the newly sick.
So, there are good reasons for health insurance to be weird, and to include transfers toward people with high expected losses. But conservatives are uneasy about using health insurance to shift the cost of expected losses for some valid reasons.
· There's a reason we don't prepay for most goods and services through insurance structures: It encourages people to overconsume, since they don't pay (or don't pay much) at the margin for what they do consume.
· While health status isn't chosen, it's also not entirely a matter of luck. Should we worry that shielding people from health cost increases will encourage unhealthy behaviors like smoking and obesity?
· How much do we really want to use public policy to shield people from losses due to factors beyond their control? For example, the ACA is designed to prevent premium variation between men and women, even though healthy women tend to have greater health care costs than healthy men. But often, similar variations go unaddressed or only partially addressed by public policy. Childbirth is more disruptive to women's careers than men's, and how much the government should do to compensate women for this is a topic of major policy contention in lots of countries. Short people make less money than tall people, but we don't have a program of fiscal transfers to the short. I think premium equalization for men and women is good policy, but it's not as obvious as liberals often make it out to be.
Join the conversation about this story »
Reported by Business Insider 4 days ago.
When I write this, I tend to get responses from liberals arguing that transfers from the healthy to the sick aren't a policy choice; they're just an obvious characteristic of insurance:
@jbarro @jbouie ALL ins works that way-good drivers pay for bad drivers; living ppl pay for dead ppl (life ins); healthy pay for sick.
— RealTrumanDem (@RealTrumanDem) November 15, 2013
This objection is wrong, and it reflects a misconception that most people have about insurance. This misconception obscures a key policy difference between conservatives and liberals that drives the debate over health care.
All insurance is a transfer to people who experience losses from people who do not. Health insurance is special in that it is a transfer to people who have high expected losses from people who do not. Liberals think this special feature is desirable; conservatives are uneasy about it.
Let's look at a simple property insurance example. Imagine a state where 50% of homes are located on the ocean and 50% are not. The oceanfront homes have a 10% chance of storm damage in a given year and the other homes have a 1% chance. Storm damage always results in a loss of $50,000 and the insurer has a profit margin of 10%.
By my calculations, oceanfront homeowners in this state will pay property insurance premiums of $5,500 and non-oceanfront homeowners will pay $550.
This insurance market will, in any given year, transfer money to the homeowners hit by storms from the homeowners who escape storms. But it will not, in the long run, transfer wealth from low-risk homeowners to high-risk homeowners. Over time, homeowners on the ocean can be expected to pay 91% of all premiums and make 91% of all claims.
Health insurance does not work like this. A variety of subsidies, regulations and norms conspire to ensure that people with high expected health costs — the equivalent of the oceanfront homeowners — pay premiums that are less than their expected claims. Their claims costs are cross subsidized by healthy people — the equivalent of inland homeowners — who pay far more in premiums than they can be expected to make in claims.
There's a challenge with any insurance market like this: How do you get the healthy people (or the inland homeowners) to buy insurance that's a bad deal for them? In the case of health insurance, we use a pile of subsidies, regulations and norms to goad the low risks into overpaying so they can subsidize the high risks.
We give out generous tax subsidies to buy health insurance, require employers to offer group health insurance on roughly the same terms across their employee populations, provide direct government health insurance to the old and the poor, and (under Obamacare) add new subsidies and penalties to push people into insurance. This stuff is all enormously expensive, but it gets most everybody covered.
As insurance markets go, health insurance is totally weird. But it's not totally random. Health insurance has to be unlike other insurance for a few reasons:
· People choose to live on the ocean; they don't choose to have a chronic health condition. So, it's a lot harder to say it's fair to charge higher premiums to people with higher expected costs. (Though, as an aside, this distinction doesn't stop lawmakers from hurricane-prone coastal areas from arguing that property insurance should be subsidized for their constituents.)
· In the case of auto insurance, higher premiums for dangerous drivers are, among other things, a mechanism for encouraging people to drive safely. It's not obvious how much we want to try to induce better health by charging higher premiums to the sick, though employers are doing a little bit of this by charging higher rates to smokers or overweight people who do not engage in fitness programs.
· People can face unexpected changes in health status that make annual insurance contracts less workable for health insurance than other kinds of insurance. Your home is not likely to be suddenly diagnosed with hurricane or earthquake risk. But if you're diagnosed with diabetes or HIV/AIDS or cancer, your expected lifetime path of medical claims will suddenly rise, and so will the premiums insurers would want from you. Current laws try to work around this with guaranteed renewability: Your insurer has to keep renewing your health insurance without a special premium increase even if your health status worsens. But this doesn't help you if you want to change insurers or have to move to another state. Addressing this problem requires some sort of redistribution toward the newly sick.
So, there are good reasons for health insurance to be weird, and to include transfers toward people with high expected losses. But conservatives are uneasy about using health insurance to shift the cost of expected losses for some valid reasons.
· There's a reason we don't prepay for most goods and services through insurance structures: It encourages people to overconsume, since they don't pay (or don't pay much) at the margin for what they do consume.
· While health status isn't chosen, it's also not entirely a matter of luck. Should we worry that shielding people from health cost increases will encourage unhealthy behaviors like smoking and obesity?
· How much do we really want to use public policy to shield people from losses due to factors beyond their control? For example, the ACA is designed to prevent premium variation between men and women, even though healthy women tend to have greater health care costs than healthy men. But often, similar variations go unaddressed or only partially addressed by public policy. Childbirth is more disruptive to women's careers than men's, and how much the government should do to compensate women for this is a topic of major policy contention in lots of countries. Short people make less money than tall people, but we don't have a program of fiscal transfers to the short. I think premium equalization for men and women is good policy, but it's not as obvious as liberals often make it out to be.
Join the conversation about this story »
Reported by Business Insider 4 days ago.
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President Hosts Health Insurance Executives for Help With Obamacare Fix
U.S. President Barack Obama met with health insurance executives Friday to try to rescue the botched start-up of his signature health care reforms, popularly known as Obamacare. The president is trying to reverse course after apologizing for his broken promises on the Affordable Care Act. Ahead of his meeting at the White House with health insurance leaders, Obama vowed more clarity for Americans this time around. “What we’re going to be doing is brainstorming on how do we make sure...
Reported by VOA News 3 days ago.
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Woman Thrown Off Health Insurance Doesn't Buy Obama's 'Fix'
A California woman whose canceled health insurance policy made her a subject of media scrutiny isn't impressed by President Barack Obama's new policy allowing health insurers to renew what would've been eliminated under Obamacare.
"How do I feel about his -- quote -- fix? There is no fix. He didn't propose a fix. There's no way to fix it," Deborah Cavallaro, a self-employed real estate agent in Los Angeles, told The Huffington Post Friday. "It's really a political maneuver. It's so obvious."
Amid an uproar from hundreds of thousands of consumers receiving letters from their health insurers saying their existing plans are being canceled, and from congressional Democrats irate over the botched rollout of the health care reform law and meager enrollment so far, Obama announced Thursday that state regulators could permit insurers to renew those policies for current customers into next year.
The health insurance industry and state insurance officials reacted harshly to the announcement, noting that insurers already canceled those plans and may be unable to revive them. Trade groups for the industry and regulators warned that allowing healthy people who already buy insurance to avoid Obamacare's health insurance exchanges may boost future prices for those who use the marketplaces. Obama met with health insurance executives on Friday at the White House.
"He's not addressing the fact that insurance companies have already discontinued these plans," Cavallaro said. "It's really a political maneuver. It's so obvious." California regulators haven't decided whether to take up Obama's proposal. Anthem Blue Cross, Cavallaro's current insurer, wouldn't comment to HuffPost on its intentions.
Legislation seeking to preserve current health plans, including a measure passed by the House Friday and another sponsored by Sen. Mary Landrieu (D-La.), are equally pointless, Cavallaro said. "None of them can make the insurance companies give you back your policy at the rate that you were paying, so really none of them is worth anything," she said.
Cavallaro said she would rather keep what she has now than buy a new plan or go uninsured.
Cavallaro, an Obama voter who supported health care reform, said she feels burned. But she has no love for the health insurance industry, either. "The previous system stunk," she said.
"I'm no big fan of the insurance companies. I think they're all scum," she said. One reason she's skeptical of Obama's proposed fix is she's sure health insurers that renew these plans will use the situation to raise rates more than usual, she said.
Cavallaro's situation became widely known because of her interview with Maria Bartiromo on CNBC last month and a follow-up column by Michael Hiltzik of the Los Angeles Times. Her story also has been featured by NBC Nightly News, American Public Media's "Marketplace," KNBC-TV in Los Angeles, KCBS-TV in Los Angeles, conservative radio host Hugh Hewitt, and in another Los Angeles Times article.
On CNBC, Cavallaro said that her current $293-a-month plan won't be sold next year and that her insurance company told her the closest thing available on Covered California, the state health insurance exchange, would cost nearly $500.
Turns out Cavallaro's story wasn't so simple. Hiltzik, the LA Times columnist, followed up with her and learned that she hadn't shopped for alternatives on Covered California. Cavallaro told HuffPost she still hasn't, because she is concerned about the security of her personal information on the website.
"I don't want to go on Covered California. I don't want Obama's plan. I want my doctors and my hospital, and I don't want to be providing all of my financial information on to that absurd exchange," Cavallaro said.
According to Hitzlik's interview, Cavallaro's current coverage carries a $5,000 deductible and a maximum out-of-pocket costs of $8,500. It covers only two doctor visits a year.
On the California insurance exchange, based on Hiltzik's interview, Cavallaro could get $200 in tax credits and spend $333 a month for health insurance that comes with a $2,000 deductible, a $6,350 out-of-pocket maximum, and slightly higher co-payments for unlimited doctor visits. Cheaper options are available for skimpier plans on Covered California, Hiltzik reported. Anthem's letter didn't mention there would be other products available on the exchange, according to Hiltzik.
That doesn't address Cavallaro's concerns that her current medical providers won't be in the new health plans' networks -- although she told HuffPost she hasn't checked -- nor the fact that her income changes year to year, meaning she may not qualify for tax credits in future years and could face higher prices, she told Hiltzik and HuffPost.
"I don't have the money and even if I had a discretionary couple of hundred dollars extra a month, I'm not sure that I would spend it on health insurance," she said. "You can't push people to the point of destitution." Reported by Huffington Post 3 days ago.
"How do I feel about his -- quote -- fix? There is no fix. He didn't propose a fix. There's no way to fix it," Deborah Cavallaro, a self-employed real estate agent in Los Angeles, told The Huffington Post Friday. "It's really a political maneuver. It's so obvious."
Amid an uproar from hundreds of thousands of consumers receiving letters from their health insurers saying their existing plans are being canceled, and from congressional Democrats irate over the botched rollout of the health care reform law and meager enrollment so far, Obama announced Thursday that state regulators could permit insurers to renew those policies for current customers into next year.
The health insurance industry and state insurance officials reacted harshly to the announcement, noting that insurers already canceled those plans and may be unable to revive them. Trade groups for the industry and regulators warned that allowing healthy people who already buy insurance to avoid Obamacare's health insurance exchanges may boost future prices for those who use the marketplaces. Obama met with health insurance executives on Friday at the White House.
"He's not addressing the fact that insurance companies have already discontinued these plans," Cavallaro said. "It's really a political maneuver. It's so obvious." California regulators haven't decided whether to take up Obama's proposal. Anthem Blue Cross, Cavallaro's current insurer, wouldn't comment to HuffPost on its intentions.
Legislation seeking to preserve current health plans, including a measure passed by the House Friday and another sponsored by Sen. Mary Landrieu (D-La.), are equally pointless, Cavallaro said. "None of them can make the insurance companies give you back your policy at the rate that you were paying, so really none of them is worth anything," she said.
Cavallaro said she would rather keep what she has now than buy a new plan or go uninsured.
Cavallaro, an Obama voter who supported health care reform, said she feels burned. But she has no love for the health insurance industry, either. "The previous system stunk," she said.
"I'm no big fan of the insurance companies. I think they're all scum," she said. One reason she's skeptical of Obama's proposed fix is she's sure health insurers that renew these plans will use the situation to raise rates more than usual, she said.
Cavallaro's situation became widely known because of her interview with Maria Bartiromo on CNBC last month and a follow-up column by Michael Hiltzik of the Los Angeles Times. Her story also has been featured by NBC Nightly News, American Public Media's "Marketplace," KNBC-TV in Los Angeles, KCBS-TV in Los Angeles, conservative radio host Hugh Hewitt, and in another Los Angeles Times article.
On CNBC, Cavallaro said that her current $293-a-month plan won't be sold next year and that her insurance company told her the closest thing available on Covered California, the state health insurance exchange, would cost nearly $500.
Turns out Cavallaro's story wasn't so simple. Hiltzik, the LA Times columnist, followed up with her and learned that she hadn't shopped for alternatives on Covered California. Cavallaro told HuffPost she still hasn't, because she is concerned about the security of her personal information on the website.
"I don't want to go on Covered California. I don't want Obama's plan. I want my doctors and my hospital, and I don't want to be providing all of my financial information on to that absurd exchange," Cavallaro said.
According to Hitzlik's interview, Cavallaro's current coverage carries a $5,000 deductible and a maximum out-of-pocket costs of $8,500. It covers only two doctor visits a year.
On the California insurance exchange, based on Hiltzik's interview, Cavallaro could get $200 in tax credits and spend $333 a month for health insurance that comes with a $2,000 deductible, a $6,350 out-of-pocket maximum, and slightly higher co-payments for unlimited doctor visits. Cheaper options are available for skimpier plans on Covered California, Hiltzik reported. Anthem's letter didn't mention there would be other products available on the exchange, according to Hiltzik.
That doesn't address Cavallaro's concerns that her current medical providers won't be in the new health plans' networks -- although she told HuffPost she hasn't checked -- nor the fact that her income changes year to year, meaning she may not qualify for tax credits in future years and could face higher prices, she told Hiltzik and HuffPost.
"I don't have the money and even if I had a discretionary couple of hundred dollars extra a month, I'm not sure that I would spend it on health insurance," she said. "You can't push people to the point of destitution." Reported by Huffington Post 3 days ago.
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Himes promotes Conn. health insurance...
BRIDGEPORT, Conn. (AP) ? U.S. Rep. Jim Himes is hosting separate meetings to provide constituents with information on Connecticut's health insurance marketplace and help consumers enroll in a health plan.
Reported by WTNH.com 3 days ago.
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Himes promotes Conn. health insurance exchange
U.S. Rep. Jim Himes is hosting separate meetings to provide constituents with information on Connecticut's health insurance marketplace and help consumers enroll in a health plan.
Reported by Miami Herald 3 days ago.
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Zane Benefits Publishes New Information on How Individual Health Insurance is Changing
Here's a Rundown of how Individual Health Insurance is Changing in 2014
Park City, Utah (PRWEB) November 17, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on how individual health insurance is changing.
According to Zane Benefits’ website, as part of health reform, individual health insurance gets a major make-over in 2014. Individual health insurance is a policy individuals purchase for themselves and their families - just like car insurance. The health reforms significantly impact how Americans buy health insurance, what coverage will include, and who is eligible for coverage.
1. Guaranteed-Issue Individual Health Plans
Beginning January 1, 2014, all plans will be "guaranteed-issue". This means that all individuals will be accepted regardless of health status, and will not pay more because of health status. The only uprating allowed will be for tobacco use, age, and location. And, health reform puts limits on the amount an insurance company can up-rate for these factors.
2. Premium Discounts via the Individual Premium Tax Subsidies
Massive premium tax subsidies will be available to eligible individuals, for plans purchased through the individual health insurance marketplaces. Households with income between 100% and 400% of FPL who purchase coverage through a state (individual) health insurance exchange are eligible for a premium tax subsidy to reduce the cost paid for the premium. That translates to an individual earning $45,960 in 2013 or a family of four earning $94,200 in 2013.
3. Coverage of Essential Health Benefits
Starting in 2014, all plans will be required to include essential health benefits, a core package of covered medical services.
4. Open Enrollment Periods
Lastly, there will be set open enrollment periods when employees can enroll in guaranteed-issue health insurance. The first open enrollment period is October 1, 2013 to March 31, 2014. The marketplace open enrollment periods ensure that individuals and families don’t wait until they get sick to enroll in coverage, or switch to more comprehensive coverage when they are about to have an expensive medical procedure.
Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit [http://www.zanebenefits.com. Reported by PRWeb 2 days ago.
Park City, Utah (PRWEB) November 17, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on how individual health insurance is changing.
According to Zane Benefits’ website, as part of health reform, individual health insurance gets a major make-over in 2014. Individual health insurance is a policy individuals purchase for themselves and their families - just like car insurance. The health reforms significantly impact how Americans buy health insurance, what coverage will include, and who is eligible for coverage.
1. Guaranteed-Issue Individual Health Plans
Beginning January 1, 2014, all plans will be "guaranteed-issue". This means that all individuals will be accepted regardless of health status, and will not pay more because of health status. The only uprating allowed will be for tobacco use, age, and location. And, health reform puts limits on the amount an insurance company can up-rate for these factors.
2. Premium Discounts via the Individual Premium Tax Subsidies
Massive premium tax subsidies will be available to eligible individuals, for plans purchased through the individual health insurance marketplaces. Households with income between 100% and 400% of FPL who purchase coverage through a state (individual) health insurance exchange are eligible for a premium tax subsidy to reduce the cost paid for the premium. That translates to an individual earning $45,960 in 2013 or a family of four earning $94,200 in 2013.
3. Coverage of Essential Health Benefits
Starting in 2014, all plans will be required to include essential health benefits, a core package of covered medical services.
4. Open Enrollment Periods
Lastly, there will be set open enrollment periods when employees can enroll in guaranteed-issue health insurance. The first open enrollment period is October 1, 2013 to March 31, 2014. The marketplace open enrollment periods ensure that individuals and families don’t wait until they get sick to enroll in coverage, or switch to more comprehensive coverage when they are about to have an expensive medical procedure.
Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit [http://www.zanebenefits.com. Reported by PRWeb 2 days ago.
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The Only Obamacare Fix Is For Obama To Legalize Real Health Insurance
The President has proposed a one-year “fix” to deal with the political fallout from his broken promise (or lie), “If you like your insurance plan, you will keep it.” Now it’s, “If you like your plan, you can keep it until after the 2014 mid-term elections. Maybe.” But the problems with ObamaCare go much deeper than cancelled insurance. As surprising as it sounds, most Americans never had real health insurance to begin with — and were not allowed to by law. And the only cure for our current health insurance mess is to legalize real health insurance.
Reported by Forbes.com 2 days ago.
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Fox News Sides with Health Insurance Industry That May Raise Rates After Obama's 'Fix' (Video)
Fox News Sides with Health Insurance Industry That May Raise Rates After Obama's 'Fix' (Video)Health
Politics
TV
Chris Wallace Fox News
Since the individual mandate of Obamacare went into effect on Oct. 1, several insurance companies have canceled millions of sub-standard policies and then offered policyholders the most expensive new plan possible, while not mentioning less expensive new plans.
According to TalkingPointsMemo.com:
Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces. which could lead to people [into]spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
Today, "Fox News Sunday" host Chris Wallace interviewed Karen Ignagni, president of America's Health Insurance Plans (AHIP), a lobbying group that represents the health insurance industry (video below).
Wallace didn't ask Ignagni about how insurance companies are telling policy holders about the expensive new plans, but not the cheaper ones, notes MediaMatters.org.
Instead, Wallace and Ignagni talked about how President Obama's recent fix, allowing people to keep their (sub-standard) insurance policy for a year, will somehow result in higher premiums for customers.
In other words, the health insurance industry plans to raise rates regardless of what President Obama does or says, but they will not take the blame for high prices or canceled policies.
In the past, Fox News has blamed Obamacare for insurance policy cancelations and aired numerous fake Obamacare "scare stories."
According to Reuters, the health insurance company UnitedHealth Group has dropped thousands of doctors from its insurance network because the insurer is not making enough profit from Medicare Advantage plans that cover the elderly. This choice by UnitedHealth Group will leave the seniors without a doctor.
Sources: TalkingPointsMemo.com, MediaMatters.org, Reuters
1 Reported by Opposing Views 1 day ago.
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Amidst Increases of Dropped Health Care Plans Nationwide, Lanahan Insurance Recommends Partnering with Agency for Health Insurance Solutions
Changes in the Affordable Care Act prompt local Florida insurance agency to stress to customers the importance of having the right health insurance policy that meets requirements.
Jacksonville, FL (PRWEB) November 18, 2013
With the nation’s new “Obamacare” Act going into effect recently, countless Americans are experiencing a shift in how they receive health care. However, it is not all good news for many, as there have been reported a distressingly large number of unexpected results from the health care reform act: Americans being dropped from their individual health care plans.
Due to the restrictions and requirements specified in the Act, [the New York Times reports, thousands of people are receiving letters from their insurance companies letting them know that their existing coverage does not adequately meet the standards of the new law, whether they are lacking enough coverage or they do not have the right type. As a result, for many people, this means no longer being covered by their individual insurance policy, and they must instead enroll in a new plan, often costing them much more money. Unfortunately, many people do not have the adequate knowledge, resources, or funds to navigate a new insurance policy that complies with the nation’s new Affordable Care Act. That is where Florida insurance agency Lanahan Insurance is stepping in to offer partnership and assistance.
The recent rise of people being dropped from their individual health care plans is concerning to many nationwide, and the agency hopes to shine a light and help customers understand some of the stipulations and requirements of the new law, as well as remind people why purchasing a health insurance plan is so essential. Additionally, the agency wants to stress the solutions it offers for people who are using exchanges on their coverage, as well as for those who are now in the market for a new individual insurance policy. There are many important reasons why purchasing a health care policy—one that meets the new national rules and regulations—is essential and cannot wait until tomorrow, and Lanahan Insurance is ready to help.
Dependable Coverage Where Others Fail
Having comprehensive health insurance coverage is highly recommended for any family or business that wants to stay protected. Many individuals and businesses are at a loss when it comes to knowing how to steer their way through the conditions and regulations of the Affordable Care Act. Thankfully, agents at Lanahan Insurance can help individuals and business owners understand the ins and outs of the new law, as well as the benefits of having comprehensive plans for coverage that will keep people protected in the event of medical emergencies, doctor’s visits, and other health concerns. Many plans that the agency offers will also include prescription medications and many other added bonuses. And, of course, the agency is ready to partner with residents to help them comprehend and select the right insurance solutions that meet the conditions of the new national health care policy.
Tailored to Specific Needs and Legal Requirements
By partnering with Lanahan Insurance to get comprehensive health insurance coverage, individuals and businesses are able to tailor their policies to comply with legal requirements, optimize the value of their insurance dollar, and meet their own needs perfectly. Subsequently, the solutions offered by the agency will complement the needs that many customers now have as a result of being already dropped from their previous individual insurance plans. With the right health insurance, Florida and Georgia residents are covering themselves with the best care and the most affordable solutions to have the right coverage, in the event that an unexpected health situation arises that they must cope with. And that is a security that nobody will ever be able to take away.
With health care reform in every news headline and many concerns abounding nationwide, it is important for people to work with an experienced and knowledgeable health insurance provider to get all of their needs—not to mention the new law’s requirements—met. Known for dynamic customer service and personal relationships, Lanahan Insurance is happy to assist, partner with, and support families and businesses throughout Florida and Georgia in choosing affordable insurance coverage that fits them. Residents looking to partner with the agency in finding solutions for comprehensive health insurance products can reach out to the friendly and committed agents in a few ways: by filling out a quote form online, by calling 888-509-6754, or by visiting the agency’s headquarters, located at 3733 University Boulevard West, Suite 302 B, Jacksonville, Florida.
About Lanahan Insurance:
Since the 1970s, Lanahan Insurance has provided clients throughout Florida and Georgia exceptional products and services for all of their life, health, and group benefits insurance needs. Built on personal attention and dynamic customer service, Lanahan Insurance is positioned to cover the livelihoods of each and every client. Whether clients are looking to plan for long-term care in the future, shopping for disability insurance coverage, or seeking anything in between, they can expect great attention to detail, a deep understanding of the insurance industry, and specialized partnership in choosing the most fitting plans for their situations. Clients can rest easy knowing they are protected – Lanahan Insurance will take care of the rest. Reported by PRWeb 20 hours ago.
Jacksonville, FL (PRWEB) November 18, 2013
With the nation’s new “Obamacare” Act going into effect recently, countless Americans are experiencing a shift in how they receive health care. However, it is not all good news for many, as there have been reported a distressingly large number of unexpected results from the health care reform act: Americans being dropped from their individual health care plans.
Due to the restrictions and requirements specified in the Act, [the New York Times reports, thousands of people are receiving letters from their insurance companies letting them know that their existing coverage does not adequately meet the standards of the new law, whether they are lacking enough coverage or they do not have the right type. As a result, for many people, this means no longer being covered by their individual insurance policy, and they must instead enroll in a new plan, often costing them much more money. Unfortunately, many people do not have the adequate knowledge, resources, or funds to navigate a new insurance policy that complies with the nation’s new Affordable Care Act. That is where Florida insurance agency Lanahan Insurance is stepping in to offer partnership and assistance.
The recent rise of people being dropped from their individual health care plans is concerning to many nationwide, and the agency hopes to shine a light and help customers understand some of the stipulations and requirements of the new law, as well as remind people why purchasing a health insurance plan is so essential. Additionally, the agency wants to stress the solutions it offers for people who are using exchanges on their coverage, as well as for those who are now in the market for a new individual insurance policy. There are many important reasons why purchasing a health care policy—one that meets the new national rules and regulations—is essential and cannot wait until tomorrow, and Lanahan Insurance is ready to help.
Dependable Coverage Where Others Fail
Having comprehensive health insurance coverage is highly recommended for any family or business that wants to stay protected. Many individuals and businesses are at a loss when it comes to knowing how to steer their way through the conditions and regulations of the Affordable Care Act. Thankfully, agents at Lanahan Insurance can help individuals and business owners understand the ins and outs of the new law, as well as the benefits of having comprehensive plans for coverage that will keep people protected in the event of medical emergencies, doctor’s visits, and other health concerns. Many plans that the agency offers will also include prescription medications and many other added bonuses. And, of course, the agency is ready to partner with residents to help them comprehend and select the right insurance solutions that meet the conditions of the new national health care policy.
Tailored to Specific Needs and Legal Requirements
By partnering with Lanahan Insurance to get comprehensive health insurance coverage, individuals and businesses are able to tailor their policies to comply with legal requirements, optimize the value of their insurance dollar, and meet their own needs perfectly. Subsequently, the solutions offered by the agency will complement the needs that many customers now have as a result of being already dropped from their previous individual insurance plans. With the right health insurance, Florida and Georgia residents are covering themselves with the best care and the most affordable solutions to have the right coverage, in the event that an unexpected health situation arises that they must cope with. And that is a security that nobody will ever be able to take away.
With health care reform in every news headline and many concerns abounding nationwide, it is important for people to work with an experienced and knowledgeable health insurance provider to get all of their needs—not to mention the new law’s requirements—met. Known for dynamic customer service and personal relationships, Lanahan Insurance is happy to assist, partner with, and support families and businesses throughout Florida and Georgia in choosing affordable insurance coverage that fits them. Residents looking to partner with the agency in finding solutions for comprehensive health insurance products can reach out to the friendly and committed agents in a few ways: by filling out a quote form online, by calling 888-509-6754, or by visiting the agency’s headquarters, located at 3733 University Boulevard West, Suite 302 B, Jacksonville, Florida.
About Lanahan Insurance:
Since the 1970s, Lanahan Insurance has provided clients throughout Florida and Georgia exceptional products and services for all of their life, health, and group benefits insurance needs. Built on personal attention and dynamic customer service, Lanahan Insurance is positioned to cover the livelihoods of each and every client. Whether clients are looking to plan for long-term care in the future, shopping for disability insurance coverage, or seeking anything in between, they can expect great attention to detail, a deep understanding of the insurance industry, and specialized partnership in choosing the most fitting plans for their situations. Clients can rest easy knowing they are protected – Lanahan Insurance will take care of the rest. Reported by PRWeb 20 hours ago.
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In Which I Explain to Michele Bachmann How to Sign Up for Health Insurance
Rep. Michele Bachmann (R-MN) appeared on CNN last Thursday and complained that she's going to lose her insurance because of Obamacare. Her switch to Obamacare has been part of the law since 2009 when, yes, Sen. Chuck Grassley (R-IA) introduced an amendment mandating that members of Congress, along with staffers, will have to transition from their government-run health insurance, the Federal Employees Benefit Health Plan, to the D.C. exchange.
Bachmann is clearly very frightened about the prospect, but it's mainly because she's totally confused about how exactly to sign up. She repeatedly griped about the Healthcare.gov website, not realizing that D.C. has its own marketplace website, which, as of right now, hasn't had any major problems.
Here are all of the instances in which she criticized Healthcare.gov in the context of somehow being forced to use it (even though she won't have to):
"Are you kidding? I'm not gonna waste an hour on that thing!"
"I'm waiting until they fix this thing. I'm not gonna sit there and frustrate myself for hours and hours."
"We are forced to go on the website and purchase the health insurance plan from the D.C. health exchange." But the D.C. exchange has its own site!
"We'll do it but there's a few problems with this website. The president has acknowledged that." No there aren't and no he hasn't. Not the D.C. exchange site.
"I'm not gonna waste my time and frustration until they get this fixed."
"I'm waiting 'til the thing gets fixed." But it's not broken!
Here's the D.C. exchange website, called the D.C. Health Link. And here's the previously glitchy Healthcare.gov website. They're two different sites! Different domains. Different servers. Not the same.
But she knows there's a separate D.C. exchange, so I guess that's something. Even if she goes to Healthcare.gov and tries to sign up, the site will instruct her: "If you live in the District of Columbia, DC Health Link is the Health Insurance Marketplace to serve you. Instead of HealthCare.gov, you'll use the DC Health Link website to apply for coverage, compare plans, and enroll. Visit DC Health Link now to apply."
Her total lack of net savvy leads me to conclude that even the greatest website in the world would totally melt her gourd. Something tells me she's emailed her bank account information to more than one Nigerian prince -- that is, if she's aware of email.
Cross-posted at The Daily Banter.
Click here to listen to the Bubble Genius Bob & Chez Show podcast.
BobCesca.com Blog with special thanks to Thomas Soldan. Reported by Huffington Post 12 hours ago.
Bachmann is clearly very frightened about the prospect, but it's mainly because she's totally confused about how exactly to sign up. She repeatedly griped about the Healthcare.gov website, not realizing that D.C. has its own marketplace website, which, as of right now, hasn't had any major problems.
Here are all of the instances in which she criticized Healthcare.gov in the context of somehow being forced to use it (even though she won't have to):
"Are you kidding? I'm not gonna waste an hour on that thing!"
"I'm waiting until they fix this thing. I'm not gonna sit there and frustrate myself for hours and hours."
"We are forced to go on the website and purchase the health insurance plan from the D.C. health exchange." But the D.C. exchange has its own site!
"We'll do it but there's a few problems with this website. The president has acknowledged that." No there aren't and no he hasn't. Not the D.C. exchange site.
"I'm not gonna waste my time and frustration until they get this fixed."
"I'm waiting 'til the thing gets fixed." But it's not broken!
Here's the D.C. exchange website, called the D.C. Health Link. And here's the previously glitchy Healthcare.gov website. They're two different sites! Different domains. Different servers. Not the same.
But she knows there's a separate D.C. exchange, so I guess that's something. Even if she goes to Healthcare.gov and tries to sign up, the site will instruct her: "If you live in the District of Columbia, DC Health Link is the Health Insurance Marketplace to serve you. Instead of HealthCare.gov, you'll use the DC Health Link website to apply for coverage, compare plans, and enroll. Visit DC Health Link now to apply."
Her total lack of net savvy leads me to conclude that even the greatest website in the world would totally melt her gourd. Something tells me she's emailed her bank account information to more than one Nigerian prince -- that is, if she's aware of email.
Cross-posted at The Daily Banter.
Click here to listen to the Bubble Genius Bob & Chez Show podcast.
BobCesca.com Blog with special thanks to Thomas Soldan. Reported by Huffington Post 12 hours ago.
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Remember health insurance before Obamacare?
*Remember health insurance before Obamacare?*
Here’s a question for pundits and politicians outraged over people whose individual insurance plans are being canceled because they don’t meet the new health law’s standards. Have you forgotten what a nightmare this branch of health insurance was before?To jog your memories, I dug out an article on the subject I did back in 2008. Its title: "On Their Own: Far From a Remedy, Insurance For Individuals is a World of Pain".
It featured the stories of:
· The Georgia real estate agent whose group health plan was folding and who couldn’t find replacement insurance unless it excluded coverage of her $1,700-a-month rheumatoid arthritis medication, without which she would quickly become disabled.
· The Arizona small business owner who could only find insurance if it excluded coverage of anti-rejection drugs he was taking for a successful liver transplant he’d had years before.
· The Virginia early retiree who discovered he was uninsurable at any price because of his diabetes, despite the fact that he kept it under perfect control.
· The Indiana lawyer whose longtime insurance company, following standard industry practice, deliberately shrunk his plan’s risk pool to drive his premium up to more than $4,200—a month!—and him out of the plan.
The article also featured the resuts of a survey we did, which found that 76 percent of uninsured respondents said thjey couldn't afford an individual plan. And the ones who were "lucky" enough to have this type of coverage didn't like it very much because it was more expensive and had more limited coverage than health plans available through an employer.Because of the new health care law people like these, who did nothing wrong except to have the bad luck to be strranded in the individual market, can now get health coverage at a price they can afford. Insurers can’t turn them down or exclude coverage of the treatments they need the most. They can’t slice and dice risk pools to drive longtime policyholders away. They can’t charge them more because of pre-existing conditions.
I’m not the only person to call attention to this. Jonathan Cohn, writing in the New Republic, points out that “The most egregious insurance company abuses—rescinding policies for people who get sick, failing to pay for services that beneficiaries assumed were covered—usually come from the non-group market.”
So the next time you hear about someone whose individual coverage is being canceled because of Obamacare, consider that the new law is making this market work better for the vast majority of people who are either already in it or need to be in it because they have no other place to get covered.Got a question for our health insurance expert? Ask it here; be sure to include the state you live in. And if you can't get enough health insurance news here, follow me on Twitter @NancyMetcalf.
—Nancy Metcalf
*Health reform countdown: *We are doing an article a day on the new health care law until Jan. 1, 2014, when it takes full effect. (Read the previous posts in the series.) To get health insurance advice tailored to your situation, use our Health Law Helper, below.
*Consumer Reports has no relationship with any advertisers or sponsors on this website. Copyright © 2007-2013 Consumers Union of U.S.*
*Subscribe now!*
Subscribe to *ConsumerReports.org* for expert Ratings, buying advice and reliability on hundreds of products.
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Update your feed preferences Reported by Consumer Reports 12 hours ago.
Here’s a question for pundits and politicians outraged over people whose individual insurance plans are being canceled because they don’t meet the new health law’s standards. Have you forgotten what a nightmare this branch of health insurance was before?To jog your memories, I dug out an article on the subject I did back in 2008. Its title: "On Their Own: Far From a Remedy, Insurance For Individuals is a World of Pain".
It featured the stories of:
· The Georgia real estate agent whose group health plan was folding and who couldn’t find replacement insurance unless it excluded coverage of her $1,700-a-month rheumatoid arthritis medication, without which she would quickly become disabled.
· The Arizona small business owner who could only find insurance if it excluded coverage of anti-rejection drugs he was taking for a successful liver transplant he’d had years before.
· The Virginia early retiree who discovered he was uninsurable at any price because of his diabetes, despite the fact that he kept it under perfect control.
· The Indiana lawyer whose longtime insurance company, following standard industry practice, deliberately shrunk his plan’s risk pool to drive his premium up to more than $4,200—a month!—and him out of the plan.
The article also featured the resuts of a survey we did, which found that 76 percent of uninsured respondents said thjey couldn't afford an individual plan. And the ones who were "lucky" enough to have this type of coverage didn't like it very much because it was more expensive and had more limited coverage than health plans available through an employer.Because of the new health care law people like these, who did nothing wrong except to have the bad luck to be strranded in the individual market, can now get health coverage at a price they can afford. Insurers can’t turn them down or exclude coverage of the treatments they need the most. They can’t slice and dice risk pools to drive longtime policyholders away. They can’t charge them more because of pre-existing conditions.
I’m not the only person to call attention to this. Jonathan Cohn, writing in the New Republic, points out that “The most egregious insurance company abuses—rescinding policies for people who get sick, failing to pay for services that beneficiaries assumed were covered—usually come from the non-group market.”
So the next time you hear about someone whose individual coverage is being canceled because of Obamacare, consider that the new law is making this market work better for the vast majority of people who are either already in it or need to be in it because they have no other place to get covered.Got a question for our health insurance expert? Ask it here; be sure to include the state you live in. And if you can't get enough health insurance news here, follow me on Twitter @NancyMetcalf.
—Nancy Metcalf
*Health reform countdown: *We are doing an article a day on the new health care law until Jan. 1, 2014, when it takes full effect. (Read the previous posts in the series.) To get health insurance advice tailored to your situation, use our Health Law Helper, below.
*Consumer Reports has no relationship with any advertisers or sponsors on this website. Copyright © 2007-2013 Consumers Union of U.S.*
*Subscribe now!*
Subscribe to *ConsumerReports.org* for expert Ratings, buying advice and reliability on hundreds of products.
--------------------
Update your feed preferences Reported by Consumer Reports 12 hours ago.
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