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Marrying Health and Human Rights: How LGBT Health and Population Health Will Improve Because of Marriage Equality

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In ruling that the 14th Amendment requires states to issue marriage licenses to same-sex couples and recognize same-sex marriages performed in other states, the U.S. Supreme Court, in Obergefell vs. Hodges, not only addressed a fundamental issue of equality, but may have unwittingly contributed to improved public health.

Consider the research devoted to the health of LGBT (lesbian, gay, bisexual and transgender) populations. A growing body of work shows that their health is worse on multiple levels than the health of comparable majority populations. This work reflects a key foundation of public health that I have discussed previously: Context plays an ineluctable role in shaping the health of populations.

Among LGBT populations, indicators of poorer health include the rate of HIV and the risk of suicide. In the U.S., HIV disproportionally affects gay men, bisexual men and transgender women. Population-based studies in the U.S. have found reported suicide attempt rates among adolescents who identify as LGBT to be two to seven times higher than those of people who identify as heterosexual. A meta-analysis found a two-fold excess in suicide attempts among LGB individuals, a 1.5 times higher risk of anxiety and depression, and a 1.5 times higher risk of alcohol or substance dependence, which was even higher among lesbian and bisexual women. Other studies have shown that LBG individuals, compared to heterosexuals, are more likely to report asthma, overweight, hypertension, diabetes and physical disability, and to self-report poor health. LGBT youth are more likely to be homeless, engage in sex work, and be victims of abuse. Transgender individuals, though studied less, have many health indicators that are even worse than lesbian, gay and bisexual individuals, including HIV (and many do not know their HIV status), suicide attempts, and abuse.

What relevance does marriage equality have to the poorer health of LGBT populations?

Discrimination and marginalization of LGBT populations are almost certainly central mechanisms that explain these differences in health. Consider a study that looked at the connection between perceived discrimination and psychiatric disorders within the same year. The researchers found that lesbian, gay and bisexual individuals had high levels of such perceived discrimination, which was associated with mood, anxiety, and substance use disorders -- interfering with full and productive lives, even when race was taken into account.

Other research posits that chronic stress may result from stigmatization, prejudice, and discrimination, creating a hostile social environment for minorities. Another study, taking the contextual approach to public health, looks at discrimination experienced by individuals and at societal discrimination in terms of access to health insurance, housing, marriage, employment, and retirement benefits. Columbia University Professor Mark Hatzenbuehler and colleagues showed that LGB adults who live in states that lack protection against sexual-orientation-based hate crimes and employment discrimination had a significantly higher prevalence of psychiatric disorders compared to heterosexual adults living in the same states.

LGBT populations may also have less access to care, in part because they distrust authorities. Even when LGBT individuals do have access to care, they often report a lack of culturally competent health care providers. Transgender people in particular may shy away from health care because they cannot afford it or fear being stigmatized. Lack of acceptance among families of LGBT youth may result in isolation from families, which contributes to homelessness and substance use. At the other end of the life-course, elderly LGBT people are less likely to have adult children help them with care and more likely to live alone.

In sum, LGBT populations generally bear a greater burden of disease than their heterosexual counterparts. Much of this difference arises from marginalization of this population due to stigma and discrimination. Marriage equality brings with it legal, financial and structural benefits that come with being part of a fully recognized family unit. Visitation rights at hospitals, rights to accessing information from physicians, being able to add their partners their employer's healthcare plan -- these are all rights that many LGBT partners have long lacked and now will enjoy. Marriage equality, then, is one small step in the right direction towards integrating LGBT populations, removing structural differences that reinforce stigma and countenance marginalization, and moving us closer to a culture of equality that contributes to the better health of all populations.

Sandro Galea, MD, DrPH @sandrogalea
Dean and Professor, Boston University School of Public Health

-- 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 22 hours ago.

Health Care On Demand? There's Now An App For That, Too.

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Years ago, doctors on call used to wear a pager. Today, Pager uses the Internet to connect doctors with people who need care.

In New York City, 20 board-certified doctors and 15 nurses now provide adults and children over 6 months old with on-demand physicals and flu shots, as well as appointments to treat minor injuries and skin conditions. (For anything more serious, head to an emergency room or swipe over to the phone app and call 911.)

Pager, which launched its house-call service in May 2014, on Tuesday announced a $14 million round of new funding from New Enterprise Associates and actor Ashton Kutcher's Sound Ventures, with prior investors Montage Ventures, Goodwater Capitol and Lux Capitol all rejoining. That brings the company's total funding to $24 million, which will support the development of a next-generation app and a plan for nationwide expansion.

The startup plans to extend to San Francisco and Los Angeles by the end of this year, and to Washington, D.C., Chicago and Miami in early 2016.

While "Uber for X" has become something of a cliche in the Silicon Valley startup world, Pager has an unusual claim to the comparison: One of its creators, Oscar Salazar, was the founding chief technology officer for the on-demand juggernaut.

Salazar left Uber after it launched to develop other startups, but with Pager, the engineer is working on the kinds of big problem he loves to tackle.

"I started in the civic space, where I saw a need to connect people to government," he told The Huffington Post. "Then, I saw a need to connect people to cars. Now, I see a need to connect people to health care." Pager, which is modeled after French emergency care network SOS Medicin, has facilitated nearly 5,000 visits since its launch, he said.

One of the reasons Uber took off was because it offered a seamless user experience.: Once you set up your account, all you had to do was request a ride, watch the car move toward you on a map, hop in and hop out. The rest of the transaction happened in the background. There's a similar user experience with Pager, which guarantees that a doctor or other health care professional will show up at your door in two hours or less. 

Pager also has an encrypted chat function, which is a key feature because health care providers must ensure that pictures of patients' injuries or skin conditions will be kept private and not intercepted or exposed. 

Pager's secure messaging allows doctors and nurses providing health care through the platform to comply with the Health Insurance Portability and Accountability Act, or HIPAA, guidelines, Salazar said.  The first visit is $50 and subsidized by Pager. After that, the cost of care varies, with physicals costing $100 and most other treatments coming in at $200. For now, users must pay out of pocket, although Pager does help them submit charges to their insurance company for reimbursement. The company plans to start taking insurance for all services before the end of the year, Salazar said.  Pager's direct competitor is Heal, which launched in California in January.  Heal promises a "doctor at your doorstep" in less than an hour, for a flat fee of $100. To date, 30 doctors have joined Heal, which also does not take health insurance.There's also a host of telemedicine and telehealth startups that provide on-demand consultations over the Internet and smartphones. Doctor on Demand, founded by TV's Dr. Phil and his son, Jay McGraw, raised $21 million to do telemedicine, and lets patients submit questions to physicians from a smartphone or desktop computer. Healthtap and MDlive are also in the telehealth marketplace.In some ways, using an app to set up a visit from a doctor feels like a technology-infused version of concierge medicine, a decades-old concept in which doctors on retainer visit patients and use the latest telecommunication technology to diagnose their ills. "Cash-only" concierge medicine has its pros and cons, but there were more than 4,400 concierge doctors in the United States in 2012. Concierge medicine may or may not be the future of health care, but it's certainly going to be a part of it, especially when used alongside on-demand apps like Pager.

 When asked if mobile on-demand health care platforms could exaggerate a tendency of the American health care system to provide fast, good care only to people who have money, Salazar said Pager is meant to serve everyone, not just the 1 percent.

Keep an eye on Pager's progress. When Uber launched, its town cars were more expensive than taxis. Now, an UberX costs less than a traditional cab in many markets. It's possible Pager could follow a similar trajectory with different types of health care professionals. The company's explicit goal is to provide the right kind of care at the right price and at the right time.

"If I have a stomachache, I can choose to see a specialist and pay hundreds of dollars. If I see a nurse practitioner, it costs less," Salazar said. "We're making it more efficient." 

-- 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 22 hours ago.

Wal-Mart sued over old same-sex marriage policy, ABC reports

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Retail giant Wal-Mart could face a class action lawsuit from employees in same-sex marriages who were denied health insurance under a policy the company changed in 2014, ABC.com reports. Massachusetts resident Jacqueline Cote filed a lawsuit Tuesday in federal court... Reported by nola.com 22 hours ago.

Republicans are latching onto this one White House comment to highlight 'the big lie' of the Iran deal

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Republicans are latching onto this one White House comment to highlight 'the big lie' of the Iran deal Republicans skeptical of the Iran nuclear deal are widely pointing to what they call a contradiction from Ben Rhodes, a White House deputy national security adviser, to make their case that the agreement is flawed.

On Tuesday, Rhodes discussed the deal's terms for the inspections of Iranian facilities related to the country's nuclear program.

"We never sought in this negotiation the capacity for so-called 'anytime, anywhere,' where you could basically go anywhere in the country," Rhodes said in a CNN interview on Tuesday.

Under the final deal, the inspection rules differ between specifically nuclear facilities, like uranium enrichment sites, and other sensitive facilities that are not primarily nuclear in purpose, such as military installations.

According to CBS, "a total of 24 days could elapse between the time inspectors first request access to a suspicious site and the time they are allowed entry."

Iran agreed to this and various other limits on its program in exchange for the rollback of economic sanctions. 

The problem is that Rhodes previously used the phrase "anytime, anywhere" multiple times to describe the White House's negotiating objectives with Iran. Mediaite flagged two such instances on Wednesday.

"Under this deal, you will have anywhere, any time 24/7 access as it relates to the nuclear facilities that Iran has," Rhodes said in an April CNN interview, for example, according to the TV network's transcript.  

A number of right-leaning news outlets — including The Weekly Standard, Washington Free Beacon, Twitchy, The Right Scoop, and others — jumped on what they described as a clear reversal on the part of the White House. Fox News host Sean Hannity played a clip of Rhodes' April comments to preview his Tuesday night interview with Vice President Dick Cheney.

"Here's what's so bad about the deal. 'Anytime, anywhere' — apparently they have to give 24 days notice. Wouldn't that allow the Iranians enough time to adapt and hide whatever they're really doing at these facilities?" Hannity asked.

"It certainly is," Cheney said. 

At a Wednesday press conference, presidential candidate and New Jersey Gov. Chris Christie (R) attributed the "anytime, anywhere" claim to President Barack Obama and then compared it to a famous Obama assertion about the Affordable Care Act: "If you like your health care plan, you can keep it." PolitiFact rated that statement its 2013 "Lie of the Year."

"That sounds pretty much like, 'If you like your doctor, you can keep him. And if you like your health insurance plan, you can keep it,'" Christie said. "That was the big lie of the first term. The big lie of the second term was 'anytime, anywhere.'"

For his part, Rhodes insisted on Twitter that there's no contradiction. He suggested he was previously addressing "key nuclear facilities" instead of all facilities of interest: 



With respect to key nuclear facilities there WILL be 24/7 access / continuous monitoring. Exactly what we said after Lausanne

— Ben Rhodes (@rhodes44) July 15, 2015




On other suspicious locations, can access what we need to see when we need to see it - also tracks Lausanne framework. #IranDeal

— Ben Rhodes (@rhodes44) July 15, 2015


*SEE ALSO: Obama's blockbuster nuclear deal leaves a lot up to Iran*

Join the conversation about this story »

NOW WATCH: What Adderall is actually doing to your body Reported by Business Insider 21 hours ago.

Obamacare Fines Paid by $6.6 Million Taxpayers

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About 6.6 million U.S. taxpayers paid a penalty imposed for the first time this year for not having health insurance, about 10 percent more than the Obama administration had estimated -- though a portion didn't need to.The penalty of as much as 1 percent of income was... Reported by Newsmax 20 hours ago.

Former Head of Medicare to Head Lobbying Arm of Health Insurance Companies

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Marilyn B. Tavenner, who was criticized for the troubled rollout of the HealthCare.Gov website, will succeed Karen M. Ignagni as the insurance industry’s top lobbyist. Reported by NYTimes.com 20 hours ago.

Wal-Mart sued for denying insurance to gay woman's wife

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A former Wal-Mart employee sued the retailer Tuesday saying the company denied health insurance to gay employees' spouses. Reported by NY Daily News 20 hours ago.

Former Medicare chief to head health insurance lobby AHIP

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She is replacing AHIP's longtime head Karen Ignagni. Reported by Politico 20 hours ago.

Former Medicare Head To Head Lobbying For Health Insurance Companies

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WASHINGTON — Marilyn B. Tavenner, the former Obama administration official in charge of the rollout of HealthCare.gov, was chosen on Wednesday to be the top lobbyist for the nation’s health insurance industry.

Ms. Tavenner, who stepped down from her federal job in February, will become president and chief executive of America’s Health Insurance Plans, the trade group whose members include Aetna, Anthem, Humana, Kaiser Permanente and many Blue Cross and Blue Shield companies.

-- 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 20 hours ago.

How payroll giant ADP's fight with a startup opened a door for Nashville's Bernard Health

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The fight between publicly traded payroll giant ADP and human resources startup Zenefits has been billed — by Zenefits, at least — as a David and Goliath struggle between a legacy industry leader and a scrappy upstart. For Nashville's Bernard Health, it's an opportunity. Zenefits, founded two years ago in San Francisco, offers its clients a benefits administration dashboard that's somewhat similar to Bernard Health's BerniePortal, the software component of the health insurance consulting firm's… Reported by bizjournals 20 hours ago.

Can Republicans Swiftboat the Iran Nuclear Deal?

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It's hard to see a plausible path for Republicans to block the deal to curb Iran's nuclear program in exchange for lifting sanctions. To override a certain presidential veto of any legislation undermining the deal, they would need a two-thirds majority in both houses, and nobody has come up with a plausible story for where they can get the Democratic votes for that.

If Congress did destroy the deal, the U.S. government would be humiliated in international public opinion and the international sanctions regime on Iran would collapse. Under the deal, sanctions on Iran will be removed in an orderly way in exchange for Iranian concessions. If Congress were to destroy the deal, international sanctions on Iran would collapse in a disorderly way in exchange for no Iranian concessions, because Russia and China and others would no longer comply with the sanctions, to which they agreed on the premise that the U.S. would bargain in good faith, not renege on a deal it had agreed to.

Of course, many Republicans harbor a fantasy that if they can destroy the deal, a Republican President can get elected in 2016, invade Iran, overthrow the Iranian government, install a U.S. client regime, and we can all live happily ever after -- just like Iraq. But so far they can't sell that fairy tale to the U.S. public, and it's extremely doubtful that they can sell that fairy tale to the U.S. military and the national security establishment.

Of course, some Republicans are promising to kill the deal. The same people promised to repeal the Affordable Care Act, which they couldn't do, even by shutting down the U.S. government.

But a far more plausible Republican goal is to swiftboat the deal in the center of U.S. public opinion, to rob Democrats of a foreign policy diplomacy victory, to scare Democrats away from embracing the deal as an example of why a pro-diplomacy Democratic foreign policy is better for America than saber-rattling Republican foreign policy.

Unfortunately, the track record suggests that this is a realistic goal. The Republicans have millions of dollars from Sheldon Adelson and company for TV ads to throw mud on the deal. Republicans used their millions to smear the Affordable Care Act which gave millions of people access to health insurance; the Obama economic stimulus which kept U.S. unemployment from rising to Greek levels after the 2008 Wall Street collapse; and the military heroism of John Kerry, who got two decorations for bravery and three purple hearts. If Republicans could accomplish these smears with their millions, they think, why couldn't they do the same with the Iran deal?

The Hill reports [my emphasis]:
Republican leaders in Congress are crafting their attack plan against the Obama administration's nuclear deal with Iran.

Lawmakers will have 60 days to review the deal after the White House delivers the text of the historic agreement to Capitol Hill. The GOP could seek to move a measure of disapproval, but *it will be difficult to win a filibuster-proof 60 votes, much less the 67 required to overcome a presidential veto*.
[...]
*But Republicans believe they will win the public relations battle on the deal*, which largely unites the GOP and threatens to divide the Democratic Party.

Some Senate Republicans are thinking about moving a motion of approval of the deal, *believing it would put Democrats in a tough spot ahead of next year's elections*.

We can't afford the illusion that this is merely a horse-race, inside-the-Beltway, partisan issue in a narrow sense. Whatever one thinks of the "two-party system" in the abstract, in our time the Democratic Party is the Washington arena where the political aspirations of Americans for peace and diplomacy have a chance to be expressed. Americans elected a Democratic Congress in 2006 to end the Iraq war. Americans chose Obama over McCain in 2008 and Obama over Romney in 2012 when Obama stood for peace and diplomacy. (Removing last doubts of a Republican party line on the deal, Rand Paul just announced that he opposes the deal. Bernie Sanders and Hillary Clinton support it.)

What Republicans are trying to do is make sure that the Iran deal, if it cannot be stopped, is a "one-off" -- that it doesn't lead to broader conclusions about what we can accomplish by pursuing diplomacy and preventing war. This is why it's so urgent for Americans who want to see more peace and diplomacy and less war in our future, who want rebuilding America rather than pursuing foreign empire to be our national priority, who don't want to repeat the experience of the 2003 Iraq invasion over and over again for the rest of our lives, to speak up for the Iran deal now. You can add your voice in support of the deal here.

-- 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 19 hours ago.

My Employer Offers Both HSA and FSA. What's the Difference, and Which Should I Use?

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At NerdWallet Health, we save your company time and money by bringing clarity to employee health benefits. Have a health finance question? Submit it to AskChristina@nerdwallet.com.

*Question:*

I recently started a new job and am choosing my health insurance benefits. It looks like I have the option of using a health savings account (HSA) or a flexible spending account (FSA) to set money aside for medical costs. But I don't know which is better, and the language in my benefits paperwork is confusing. Can you help?

*Answer:*

Setting aside money for health care costs is a savvy move, but your confusion is understandable. Choosing the right health benefits can be tricky, and with several key differences between HSAs and FSAs, it literally pays to get this decision right.

Both HSAs and FSAs allow employees with health insurance to set aside money for health care costs referred to as "qualified expenses," including deductibles, copayments and coinsurance, and monthly prescription costs. Sometimes employers will also contribute funds to these accounts. In most cases, you receive a debit card for your account and can use it to pay for qualifying expenses throughout the year. Both types of accounts have tax benefits, too, although those benefits aren't the same.

In general, electing to sign up for an HSA or FSA is smart. Knowing which one to select and how to get the most out of it will take some education.

Are you eligible for an HSA?
Health savings accounts are not available to everyone. This is the first key difference, and if you aren't eligible for an HSA, it makes your decision much easier. Only people who have high deductible health plans, or HDHPs, can select an HSA.

For 2015, an HDHP is defined as health insurance with a deductible of $1,300 or more for an individual or $2,600 or more for a family. To qualify for an HSA, this HDHP must be your only health insurance plan, you must not be eligible for Medicare and you cannot be claimed as a dependent on someone else's tax return.

Important differences between FSAs and HSAs
As you can see in the following table, there are several additional differences between these accounts. Things like your flexibility in contributing, the ability to keep your unused balance and additional tax benefits make HSAs the wisest choice if you have the option. Still, either account stands to save you money and make budgeting for medical costs easier.


*Health savings account (HSA)*
*Flexible spending account (FSA)*

Eligibility requirements


· Eligibility requirements include having a high-deductible health plan (HDHP)

· No eligibility requirements
Contribution limit


· 2015 contributions capped at $3,350 for individuals or $6,650 for families

· 2015 contributions capped at $2,550
Changing contribution amounts


· You can change how much you contribute to the account at any point during the year.

· Contribution amounts can be adjusted only at open enrollment or with a change in employment or family status.
Rollover


· Unused balances roll over into the next year.

· With a few exceptions, FSAs are "use it or lose it," and you forfeit any unused balance.
Connection to employer


· Your HSA can follow you as you change employment.

· In most cases, you'll lose your FSA with a job change. One exception: if you're eligible for FSA continuation through COBRA.
Effect on taxes


· Contributions are tax-deductible, but can also be taken out of your pay pretax. Growth and distributions are tax-free.

· Contributions are pretax, and distributions are untaxed.
You cannot choose both, unless ...
If you qualify for an HSA, you cannot elect to set up both an HSA and an FSA, unless the FSA is a "limited purpose" FSA. Your HR representative will be able to tell you if this is the case at your new job.

A limited purpose FSA works like a regular FSA but can be used only for vision care and dental expenses. If you expect to have high medical costs throughout the year, or want to maximize contributions to your HSA while minimizing your withdrawals, using a limited purpose FSA for expected vision and dental expenses could be a smart choice.

Which should you choose?
Both accounts have benefits that can make managing your out-of-pocket medical expenses easier throughout the year. But you should opt for an HSA if you qualify, if for no other reason than the limits are higher and you can carry over your contributions from year to year. If you don't qualify, sign up for the FSA.

A good rule of thumb as you begin thinking about how much to contribute: Start with enough to cover your deductible, expected medication costs, anticipated doctor's visits and any planned treatments or surgeries. Also, don't be afraid to ask your HR representative as you come across questions; you can't be expected to know all of the ins and outs of your new benefits.

-- 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 19 hours ago.

Charleston, South Carolina Outpaces the Nation in Tech Growth

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In April, I was invited to speak in Charleston's third annual DIG SOUTH -- the Southeast's first and foremost event celebrating the digital economy with over 200 presenters from companies such as Google, Instagram, Twitter, TechCrunch, BuzzFeed, and Inc. Acclaimed entrepreneur and internet personality, Gary Vaynerchuk, delivered the kickoff keynote. My media panel was moderated by NBC News anchor and Emmy-Award winning journalist, Angie Goff.

DIG SOUTH functions as a showcase for Charleston as a top location for startups to launch new products, platforms, and services. Over 35 venture capital firms (managing more than $3 billion in funds combined) attended the event seeking investment opportunities. Represented companies included AOL co-founder Steve Case's Revolution Fund, Silicon Valley's BlueRun, Core Capital Partners, Comerica, and Boston Millennia Partners.

"DIG SOUTH's Wild Pitch is the region's capitol of capital," said founder Stanfield Gray. "The number one place for Southern startups to get deals done."

During the event, I was surprised to learn that Charleston outpaces the nation in technology growth.

Charleston, South Carolina has quickly become a surprise player in the tech growth field among giants like Silicon Valley and New York City. Usually known as a top tourism destination, Charleston has a larger percentage of employment in IT-related business than Austin or Raleigh. In fact, Post and Courier reported that Charleston's tech economy is growing 26% faster than the national average -- and just as quickly as Silicon Valley.

Home to more than 200 tech companies, Charleston's fast-growing tech hub is fueled by new waves of young, creative talent flocking to the area. From 2000 to 2012, Charleston's millennial population grew 58 percent -- outpacing Nashville, Denver and Houston.

Venture capitalists have also taken a keen interest in the mid-sized metro. This year, the Brookings Institution ranked Charleston #12 in the nation for venture capital "first fundings" by population and deal concentration.

This year, Charleston-based, Bidr, which creates a mobile-based fundraising system for nonprofits, took home first place at DIG SOUTH's "Wild Pitch" event, earning $7,500, plus $2,700 of on-the-spot crowdsourced funding. Just one week later, Bidr took home the top prize of $100,000 from Steve Case's Rise of the Rest tour stop in Charleston.
Emmy-Award winning journalist, Angie Goff moderates my media panel.
Photo provided by DIG SOUTH

*Anchoring Assets
*

The region's growth didn't happen overnight. Blackbaud, developer of software and services for nonprofits, moved to Charleston from New York 26 years ago. In 2004, the company raised $64.7 million at its IPO. Around the same time, health insurance technology company, Benefitfocus, was also founded in the region. The company raised $70.6 million from its IPO in 2013 and currently services clients like Under Armour, Dannon and New Balance. It now has a 40-acre campus in Charleston housing 750 employees.

"You could count the number of technology-focused companies that were around on two hands back in 2004," said Grier Allen, CEO and Co-Founder of real estate software company, BoomTown. "Today, we have hundreds of companies ranging from your one-person, two-person startups looking for that angel round, all the way up to the Google and Boeing, which is expanding its technology arm here in Charleston. It's an exciting time to be part of Charleston's knowledge economy." Since opening in 2006, BoomTown has surpassed $8 million in revenue and now employs nearly 100 people.

*Charleston's Collaborative Community*

At the cornerstone of Charleston's tech community is the Charleston Digital Corridor (CDC), a public-private partnership that provides Charleston's entrepreneurs with community, talent, spaces and capital. Since 2009, the CDC has graduated 76 startups in its incubator spaces (called "Flagships").

For funding, local startups also have access to SC Launch, which invests $200,000 or more in select technology ventures throughout the state, and Silicon Harbor Ventures, an investor-managed fund targeting early and growth stage companies in Charleston. While these organizations provide the resources that tech companies need now, just as many are focused on ensuring Charleston has an important resource for the future: talent.

"Our region's tech economy has seen tremendous growth over the past few years. To keep this momentum going, we want to make sure tech companies can find the talent they need here for years to come," said David Ginn of the Charleston Regional Development Alliance. "Between the region's top-rated restaurants, lively culture, deep history and low cost of living, Charleston is an appealing place to live and work."

The Charleston Regional Development Alliance, along with a dozen of the area's top tech companies, recently unveiled a new initiative, Charleston Open Source, which will attract and connect national talent to local tech companies.

*Charleston Digital Corridor Companies to Watch:*

• HR software developer for the service industry, PeopleMatter, got its start with the CDC in 2009. Since then, the company has raised more than $47 million in venture capital and counts 33,000 restaurants across the country among its clients, including Wendy's, Marriott, Domino's and more.

• After cyber security firm, PhishLabs, moved into CDC's Flagship2, the company completed a $1.2 million Series A round of venture financing and has since moved to a space downtown with nearly 50 employees.

• Workforce analytics firm, Echovate, moved into CDC's Flagship last summer and has since enrolled in SC Launch. The company hopes to hire between 75 and 90 employees in Charleston over the next few years.

• BiblioBoard began with just four people and is now the world's first digital global publishing platform, offering millions of pages of content from several hundred publishers and used by thousands of libraries.

While many tech positions can be done anywhere, over 11,000 people in tech occupations chose to live in Charleston. Take a look at BoomTown's interactive Charleston Tech Map. It's an exciting time to observe how and how quickly Charleston's business landscape will continue to change in the upcoming years.

Data and statistics for this article collected with assistance from the Charleston Regional Development Alliance.

-- 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 19 hours ago.

Another politician wants Washington to address the biggest economic problem of the next decade

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Another politician wants Washington to address the biggest economic problem of the next decade Another national politician is worried about the on-demand economy.

Senator Mark Warner (D-VA) wrote a post on Medium today about his concerns about the issue following Hillary Clinton's speech on economic policy Monday, at which she mentioned the growing role of freelance work in the economy.  

Warner is probably the only major politician who was talking about this before Clinton's speech this week.

Warner was a venture capitalist and made a fortune brokering mobile phone licenses before becoming a politician, so he's a natural candidate to bridge the gap between Silicon Valley and Washington, D.C.

Warner's response comes after two partners at the venture capitalist firm Union Square Ventures posted separate blog posts about why the tech world needs to engage with how the increasing "Uber-fication" of jobs (meaning more people doing work that falls somewhere in the gray area between full and contract employment) is changing the larger economy. 

And the benefits provided by employers doesn't stop at healthcare, which independent contractors can now get through the Affordable Care Act (though premiums are still much more expensive than most employer-provided health insurance). There's also unemployment insurance, workers compensation, and retirement benefits. 

Warner's post both asks questions and suggests some policy responses. Here's the meat of his policy suggestions:

First, are there other options for providing safety net benefits for workers who are not connected to a traditional, full-time employer? Which specific benefits are we talking about? Who should administer them?

We could look to the ACA healthcare exchanges as one public-private model, or *perhaps borrow the idea of the "hour bank," used by labor unions for 60 years, to administer benefits for members who work for a series of contractors*.

It could be consumer-driven in part, too, providing customers with an option to designate a portion of their payments into an independently administered fund that helps support contract workers.

Second, while we all know litigation is underway across the country about whether on-demand workers are independent contractors or employees, this issue is too important to leave to the courts alone.

What Warner seems to want is some sort of public-private partnership (like the healthcare exchanges set up by the ACA).

The hour bank model, meanwhile, is a way that to measure whether workers who may work for different companies still qualify for "full-time" benefits. So workers literally "bank" hours, and as long as they total up to a certain amount for the month, then the worker continues to qualify for benefits like health insurance.

In hour bank models, usually the bank rolls over from month to month, so if someone needs 100 hours to qualify for health insurance and works 120 hours in January, but only 90 hours in February, they have still met the requirements for coverage.

Warner's real point here seems to be that the economy needs some sort of model that makes it easier for workers to manage what employers usually do for employees.

The economy is seeing more and more companies get serious about throwing out these benefits in their business models — it's time for policymakers to figure out what comes next.  

-Read Senator Warner's full post here »-

*SEE ALSO: Two top venture capitalists think Hillary Clinton is right about one thing *

Join the conversation about this story »

NOW WATCH: This animated map shows how religion spread across the world Reported by Business Insider 19 hours ago.

Top Obamacare Official Becomes Insurance Lobbyist

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Marilyn Tavenner, former top U.S. health insurer regulator, will lead lobbying group America's Health Insurance Plans Reported by msnbc.com 17 hours ago.

A Complete Farce: Ex-Obamacare Head To Lead Health Insurance Lobby

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A Complete Farce: Ex-Obamacare Head To Lead Health Insurance Lobby If there was any doubt just who Obamacare was created to serve from day one (spoiler alert: it was never America's population), we now have the answer and it is so simple, even a 5-year-old can get it. Moments ago Politico reported that former Medicare chief Marilyn Tavenner, and the infamous former administrator of the Centers for Medicare and Medicaid Services who was responsible for writing many of Obamacare’s rules and regulations for the insurance industry, only to be fired following the disastrous rollout of the HealthCare.gov enrollment website, *has been hired as the new CEO of America’s Health Insurance Plans, the "powerful K Street lobbying group.*"

Cited by Politico, AHIP board chairman Mark Ganz in a statement that"There is no better individual than Marilyn to lead our industry through the increasingly complex health care transformation that is underway. *She has the respect and trust of policymakers and stakeholders from all sides, and a personal commitment to advance meaningful solutions for improving access to quality, affordable care for all Americans*."

Well, maybe for some Americans: those who are shareholder or employees of US health insurance companies, which as it now emerges, are the biggest benefactors of Obamacare because from the very beginning, they had their own operative setting up the rules and regulations of the biggest US healthcare overhaul in history to benefit, drum roll, *them*.

And now the same insurance companies, just to benefit some more, are poised or already in process of hiking insurance premiums across America and crush the spending power of ordinary Americans, those who were supposed to benefit from Obama's socialized healthcare dream.



The Affordable Care Act has been a mixed bag financially for insurers, said Robert Laszewski, an industry consultant. The expansion of Medicaid and the continued growth of private Medicare plans have been a boon for insurers, he noted. But the law’s new health insurance exchanges have been more troublesome for health plans, many of which are seeking greater rate hikes in 2016.

 

“They’re getting creamed,” Laszewski said of plans in the exchange business. “Any time you see a rate increase above 7, 8, 9 percent, they’re losing money.”



Actually, that's bullshit: any time you see a 9% increase (or much more), it means there is cartel pricing in action, and thanks to the Supreme Court's ruling supporting Obamacare, healthcare is now a tax on Americans and one has no choice but to pay whatever premium incueases are imposed on them.

It gets even more comical:



Tavenner can push the group’s agenda in Congress, but she will face a ban on direct communications with the agency that she oversaw. *That restriction shouldn’t present too much of a hurdle to being an effective advocate for the industry*, said Meredith McGehee, policy director for the Campaign Legal Center.



It won't be a hurdle, but in the meantime, Tavenner will be paid about 20 to 30 times more than when we was a mere government lackey (and quite incompetent considering the billions spent to rollout a broken healthcare.gov) available for hire to the highest bidder, unprecedented conflicts of interest notwithstanding.

And just to show how extensive the revolving door is, Tavenner is replacing AHIP’s longtime head Karen Ignagni, who left the group to run EmblemHealth, a big New York insurer. Her departure was soon followed the announcement that UnitedHealth Group, the country’s largest insurer, would leave AHIP.

So for any 5 year old who are still confused: the insurance industry wrote the rules of Obamacare, and is now set to profit from it, which incidentally was obvious to anyone who has been following the stock prices of publicly traded insurance companies, which if the recent merger mania is any indication will shortly roll up into one monopoly enterprise, thus concluding Obama's dream of a single-payer health system.

And just like that, the corporations win again. Reported by Zero Hedge 17 hours ago.

HUFFPOST HILL - 'More Like Major A-Hole,' Obama Thinks

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Major Garrett asked President Obama if he's "content" with an Iran deal that doesn't free Iran's American hostages, to which Obama responded, under his breath, by asking if Garrett's content with being disinvited from the White House Christmas party. Protesters greeted the president with the Confederate flag in Oklahoma, because harassing black people really is part of Southern heritage. And Obama said there's no way to revoke Bill Cosby's Medal of Freedom -- Paul Bremer and George Tenet still have theirs, so he must be right. This is HUFFPOST HILL for Wednesday, July 15th, 2015:

*HERITAGE FLAG GREETS PRESIDENT* - "We're not gonna stand down from our heritage. You know, this flag's not racist. And I know a lot of people think it is, but it's really not. It's just a Southern thing, that's it," Trey Johnson, who drove three hours from Texas to join the protest, told KFOR. Thanks, Trey! HuffPost's Amanda Terkel]

*DONALD TRUMP RULES* - We have reached the fifth stage of Kubler Trump: major acceptance. Igor Bobic: "Donald Trump usually can't go more than a minute without reminding everyone about his huge crowds, his huge poll numbers and his hugely opulent wealth. And on Wednesday, the day presidential candidates were required to disclose their fundraising with federal regulators, Trump's campaign issued perhaps the biggest brag yet about the real estate mogul. In a statement announcing his filing with the Federal Election Commission, Trump aides said that *the FEC report 'was not designed for a man of Mr. Trump's massive wealth.'*...."His debt is a very small percentage of value, and at very low interest rates. *As of this date, Mr. Trump's net worth is in excess of TEN BILLION DOLLARS*,' the statement reads." [HuffPost]

*HOUSE GOP INVESTIGATING PLANNED PARENTHOOD* - Laura Bassett: "House Speaker John Boehner (R-Ohio) called for an investigation into Planned Parenthood on Wednesday after an anti-abortion group released an undercover video that claims to show that the family planning provider sells fetal body parts. '*When an organization monetizes an unborn child -- and with the cavalier attitude portrayed in this horrific video -- we must all act*,' Boehner said in a statement. 'As a start, I have asked our relevant committees to look into this matter. I am also calling on President Obama and Health and Human Services Secretary Sylvia Burwell to denounce, and stop, these gruesome practices.'" [HuffPost]

*OBAMA SHUTS DOWN BILL COSBY* - Thank goodness we're still keeping medals of freedom away from the truly dangerous people like J.K. Rowling. Sam Levine: "President Barack Obama said Wednesday that 'there's no precedent for revoking' Bill Cosby's Presidential Medal of Freedom after multiple women have come forward and accused the comedian of raping them. 'We don't have that mechanism,' Obama said during a press conference at the White House. While Obama said he did not want to comment on an ongoing investigation, he added that any civilized country should not permit rape. '*If you give a woman, or a man for that matter, without his or her knowledge, a drug, and then have sex with that person without their consent, that's rape*,' Obama said. 'And this country, any civilized country, should have no tolerance for rape.'" [HuffPost]

*EPIC CASHOUT* - If you like money, you can keep it (and get much more). Robert Pear: "Marilyn B. Tavenner, the former Obama administration official in charge of the rollout of HealthCare.gov, was chosen on Wednesday to be the top lobbyist for the nation’s health insurance industry. Ms. Tavenner, who stepped down from her federal job in February, will become president and chief executive of America’s Health Insurance Plans, the trade group whose members include Aetna, Anthem, Humana, Kaiser Permanente and many Blue Cross and Blue Shield companies." [NYT]

Tim Carney has a short list of other Obamacare cashouts.

*OBAMA: DON'T HOLD YOUR BREATH FOR PEACE IN SYRIA* - Jessica Schulberg: "President Barack Obama on Wednesday acknowledged that cooperation from Iran will be necessary for any future resolution of the civil war in Syria, which is now in its fifth year. 'I do agree that we’re not going to solve the problems in Syria unless there’s buy-in from the Russians, Iranians, Turks and our Gulf partners,' he said during a press conference at the White House. 'There’s too much money and too many arms flooding into the zone.'... The Obama administration has long held the position that Assad has lost legitimacy as the ruler of Syria, but has been hesitant to overtly orchestrate his ouster -- in part because it is unclear who would be a suitable replacement. 'In order for us to resolve [the conflict], there’s going to have to be an agreement among major powers that are interested in Syria that this is not going to be won on the battlefield. So, Iran is one of those players, and I think it’s important for them to be part of that conversation.'" [HuffPost]

*Haircuts:* Sara Bondioli, Jeff Young, Zach Carter

*DAILY DELANEY DOWNER* - Scott Walker is suing the federal government over his plan to make some food stamp recipients pee in cups to prove they're not on drugs. “This lawsuit seeks to provide clarity that the State of Wisconsin has the authority to require drug testing for FoodShare recipients,” Wisconsin Attorney General Brad Schimel said in a press release on Tuesday. *While federal law doesn't allow states to impose drug tests on SNAP recipients*, it does allow states to drug test and in general make up their own rules for the much smaller Temporary Assistance for Needy Families program, which serves about 4 million Americans. Roughly 46 million Americans receive SNAP benefits. *"Gov. Walker hasn’t read the law,"* U.S. Agriculture Secretary Tom Vilsack told The Huffington Post in an interview Wednesday. "It’s always a good idea before you start litigation to understand what the law is." [HuffPost]

*DOUBLE DOWNER* - As it happens, Scott Walker's Wisconsin friend Paul Ryan is doing "welfare reform" this very week -- and he ain't talking about food stamps. Dylan Scott: "The bill is a priority for Ryan, and both sides agree that *the majority has actively worked to incorporate Democratic ideas into the proposal, providing real optimism that lawmakers could pass something this Congress*, a decade since TANF was last reauthorized. But as always when 'welfare reform' and social spending are on the docket, the bill will surely have to sidestep some land mines to be enacted." [National Journal]

*Real headline*: Paul LePage Apologizes For Telling High School Student He'd Like To Shoot His Father [HuffPost's Amanda Terkel]

*POLITICIANS GO TO PRISON* - Dana Liebelson: "When Obama visits a medium-security lockup in El Reno, Oklahoma, this week, he will become the first sitting president to visit a federal prison, although it's possible past presidents have visited state or county prisons, the White House official said. ... Jeb Bush, a Republican presidential candidate, told HuffPost during a press conference in Council Bluffs, Iowa, on Tuesday that he has visited federal prisons. After Washington Post reporter Ed O'Keefe jokingly asked him how much time he had served, Bush bemoaned, 'Guys like O'Keefe over here write, 'Bush felon: How could he run for president?' I went as a part of a prison ministry on Christmas Eve in the federal penitentiary in Miami." ... GOP presidential candidate Rick Perry told HuffPost in an interview in West Des Moines, Iowa, on Monday that he has visited a federal prison 'a number of times,' but pointed out that it was because the air base where he did his pilot training is now a prison. *He called visiting his old air base "a humorous way to go back to a federal prison.'*"
[HuffPost]

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

*OBAMA NOT CONTENT WITH MAJOR GARRETT* - Paige Lavender: "President Barack Obama publicly scolded CBS News' Major Garrett during a gathering of the press corps at the White House on Wednesday, chastising the reporter for asking if the president is 'content' to celebrate the Iran nuclear deal while four American hostages remain in Iran. 'That's nonsense. And you should know better,' Obama replied. Obama answered questions about the Iran nuclear deal during the gathering, saying it's 'our best means of assuring that Iran does not get a nuclear weapon.'" [HuffPost]

Garrett says he meant to be provocative. [Mediaite]

*U.S. DOES NICE THING 70 YEARS LATE* - Foley: "Filipino-American World War II veterans who have been waiting for years to bring their family members to the U.S. will soon be able to do so through a new policy, the Obama administration announced on Wednesday. ... The plan for a parole program for family members of Filipino veterans follows up on attempts in recent years to do right by the surviving veterans of the estimated 260,000 Filipino soldiers who fought for the United States during World War II. They were promised U.S. citizenship but then denied it, and waited until the 1990s to finally be eligible to become citizens. ... As citizens, they are eligible to petition for family members to immigrate to the U.S., but *the backlogged visa system, particularly from the Phillippines, means some might not be able to reunite with family during their lifetimes*." [HuffPost]

*TSA TO GO FROM STRONGLY DISLIKED TO HATED* - Jennifer Scholtes: "The Transportation Security Administration has a new strategy for improving its woeful performance in catching airport security threats -- and it will likely mean longer lines and more government bucks. A month after the TSA was embarrassed by its almost-total failure in a covert security audit, Homeland Security Secretary Jeh Johnson has ordered the agency to pursue an improvement plan that will require more hand-wanding of passengers, more use of bomb-sniffing dogs and more random testing of luggage and travelers for traces of explosives.... Kevin Mitchell, chairman of the Business Travel Coalition, agreed that air passengers will probably feel the impact of the latest changes. '*Things are going to slow down, and consumers are going to get increasingly frustrated*,' he said." [Politico]

*BECAUSE YOU'VE READ THIS FAR* - Don't miss these Sweet Pluto pics.

*TED CRUZ HOPING FOR FREE DINNER* - Mike McAuliff and Foley: "Sen. Ted Cruz (R-Texas) on Wednesday offered another passionate defense of Donald Trump, while also attacking a number of fellow Republican presidential hopefuls who have criticized the real estate mogul's views on immigration. 'I'll say this: I think Donald Trump is bringing a bold, brash presence to this presidential race," Cruz told reporters on Capitol Hill. 'It's one of the reasons you're seeing so many 2016 candidates go out of their way to smack Donald Trump. They don't like a politician who speaks directly about the challenges of immigration.' ... Cruz's defense of *The Donald appears to have won him some love from the big-mouthed billionaire: The two candidates are expected to dine together later on Wednesday at Trump Tower in New York.*" [HuffPost]

*BIDEN PITCHES IRAN DEAL TO DEMS* - Mike Lillis: "Vice President Biden stormed the Capitol Wednesday to pitch the Obama administration's Iranian nuclear deal to House Democrats, who appear to be lining up behind the agreement. The support of the minority Democrats could prove vital. With Republicans vowing to disapprove of the Iran agreement, the fate of the deal could hinge on the number of Democrats willing to sustain a veto from President Obama. Leaving the meeting, Biden expressed confidence that the historic accord will be preserved. 'I think we're going to be OK,' Biden said, with Rep. Nancy Pelosi (D-Calif.) by his side. ... The Democrats said Biden went deep into the weeds to address a long list of specific policy concerns, including questions about the spontaneity of Iranian nuclear inspections, the timeline for lifting sanctions and the details surrounding Iran's new freedoms to sell weapons abroad if it meets its nuclear promises. 'He was very thorough, answered questions that nobody even asked,' said Rep. Emanuel Cleaver (D-Mo.). '*Frankly, people were joking about it, but he went down to the minute details. This guy, I don't know, he must not have gone to bed last night.*'" [The Hill]

*COMFORT FOOD* by @jacobrkerr

- Taking dad dancing to a new level.

- In case you forgot where Peggy Olson started from.

- This guy hiked from Mexico to Canada along the Pacific Crest Trail and filmed a second of each day on his trip.

*TWITTERAMA*

@eclecticbrotha: Major Garrett is now the new frontrunner in the GOP presidential primaries.

@allahpundit: Trump’s going to promise his endorsement if President Cruz promises to be a judge at the 2017 Miss USA pageant

@jbendery: US Treasurer Rosie Rios asked which woman she wants on the $10 bill. "My mother."

*Got something to add? Send tips/quotes/stories/photos/events/fundraisers/job movement/juicy miscellanea to Eliot Nelson (eliot@huffingtonpost.com) or Arthur Delaney (arthur@huffingtonpost.com). Follow us on Twitter @HuffPostHill (twitter.com/HuffPostHill). Sign up here: http://huff.to/an2k2e*

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 16 hours ago.

Obamacare has a fraud problem

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Obamacare has a fraud problem WASHINGTON (AP) — Phony applicants that investigators signed up last year under President Barack Obama's health care law got automatically re-enrolled for 2015. Some were rewarded with even bigger taxpayer subsidies for their insurance premiums, a congressional probe has found.

The nonpartisan Government Accountability Office says 11 counterfeit characters that its investigators created last year were automatically re-enrolled by HealthCare.gov, even though most had unresolved documentation issues. In Obama's terms, they got to keep the coverage they had.

Six of those later were flagged and sent termination notices. But GAO said it was able to get five of them reinstated by calling HealthCare.gov's consumer service center. That seemed to be a weak link in the system.

The five bogus beneficiaries who were reinstated even got their monthly subsidies bumped up a bit, although GAO did not ask for it. The case of the sixth fake enrollee who appealed was under review.

HealthCare.gov does not appear to be set up to detect fraud, GAO audits and investigations chief Seto Bagdoyan said in prepared testimony for a Senate Finance Committee hearing Thursday. A copy was provided to The Associated Press.

HealthCare.gov's document-processing contractor "is not required to seek to detect fraud," said Bagdoyan. "The contractor personnel involved in the document-verification process are not trained as fraud experts and do not perform antifraud duties."

Administration officials told GAO there has been "no indication of a meaningful level of fraud" in the program, Bagdoyan said.

Federal health care subsidies go directly to insurers, so the money does not end up in the bank accounts of individual enrollees. But health insurance is a valuable product in and of itself, with the cost of family coverage averaging close to $17,000 a year.

Finance Committee chairman Orrin Hatch, R-Utah, said the GAO's investigation reveals "negligence" by the Obama administration, which "calls into question the legitimacy of the health law's enrollment numbers and challenges the integrity of the website's security checks."

Last year, when GAO first disclosed that it had succeeded in signing up fake beneficiaries, the administration said it would work to strengthen HealthCare.gov's verification checks.

Late Wednesday, the administration said it looks forward to working with GAO to improve safeguards for health insurance sign-ups. It noted that the online system had initially flagged applications from the undercover investigators.

HealthCare.gov is an online insurance marketplace used by residents of 37 states to get subsidized private coverage under the health care law.

Although the administration has terminated coverage for more than 200,000 people who could not prove their citizenship or legal immigrant status, and some 300,000 have had their subsidies changed because of discrepancies over reported income, GAO's bogus beneficiaries largely evaded that dragnet.

It's unclear whether the fictitious enrollees would have been kicked out of the program eventually. For example, no tax returns were filed on behalf of any of them. Since health insurance subsidies are income-based, tax returns are one of the main ways the government checks applicants.

GAO's investigation also uncovered a problem that bedevils millions of real people dealing with the program's new bureaucracy: confusing and inaccurate communication.

Investigators said their bogus enrollees received unclear correspondence that failed to identify the problems with their applications.

"Rather than stating a message directly, correspondence instead was conditional or nonspecific, stating the applicant may be affected by something, and then leaving it to the applicant to parse through details to see if they were indeed affected," said Bagdoyan.

The fake enrollees also got some perplexing instructions from HealthCare.gov. Eight of the 11 were asked to submit additional documentation to prove their citizenship and identity. But the list of suitable paperwork detailed documents for verifying income instead.

The 11 bogus beneficiaries were part of a larger group of 18 that GAO tried to sign up last year. They're the ones who got through and were automatically re-enrolled for 2015.

Overall, about 10 million people are getting coverage this year through HealthCare.gov and state health insurance markets. GAO said the results of its undercover testing, while illustrative, cannot be generalized to the full population of applicants and enrollees.

Join the conversation about this story » Reported by Business Insider 10 hours ago.

The IRS has hit a new low

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The IRS has hit a new low WASHINGTON (AP) — Hello? Hello? Customer service at the IRS hit new lows this year, just as taxpayers were grappling with a wave of identity theft and new requirements under President Barack Obama's health law.

A report issued Wednesday by the National Taxpayer Advocate says the IRS has been hampered by years of budget cuts, which have diminished customer service and hobbled enforcement.

The timing of the budget cuts was bad, the report said.

The IRS blocked nearly 1.6 million suspicious tax refunds this year because of concerns about identity theft — more than double the number from a year ago. About a third of the refunds turned out to be legitimate, but for long stretches during the tax season, fewer than 10 percent of callers could get through to an IRS help line.

"For the majority of taxpayers who filed their returns and did not require IRS assistance, the filing season was generally successful," said the report by Nina E. Olson, the taxpayer advocate.

"For the segment of taxpayers who required help from the IRS, the filing season was by far the worst in memory," the report said. "To a significant degree, the IRS's shortcomings are budget-driven."

The taxpayer advocate is an independent office within the IRS.

Overall, only 37 percent of people who called the IRS seeking to talk to a person reached one, the report said. That's the lowest rate over the past decade, by far.

For those who got through, the average time on hold was 23 minutes.

About 50 million callers reached out to the IRS for help during the tax season. Help lines were so overloaded that the system hung up on 8.8 million callers, the report said. That's a huge jump from last year, when the IRS hung up on 544,000 callers.

The IRS calls the hang-ups "courtesy disconnects," because the system hangs up early in the call, rather than making callers wait on hold, only to be disconnected later.

"It is important to note that the IRS must carefully balance limited resources to meet its dual mission of providing taxpayer service and enforcing the tax laws," the IRS said in a statement. "With 75 percent of our budget being personnel, and one-third of our workforce providing taxpayer service, the continuing cuts to our budget have severely hampered our ability to provide taxpayers with the services they need and deserve."

The report by the taxpayer advocate noted that taxpayer services suffered just as Americans were faced with new requirements under the health law.

For the first time, taxpayers had to tell the IRS whether they had health insurance the previous year. Millions who received government subsidies to pay for premiums had to report those on their returns.

Through April, about 6.6 million taxpayers had to pay fines because they didn't have health insurance, the report said. The fines averaged $190.

Researchers identified more than 300,000 taxpayers who overpaid their fines, the report said. Most of these taxpayers didn't owe fines because their incomes were low enough to qualify for exemptions.

A total of 10.7 million taxpayers claimed they were exempt from the fines.

About 2.6 million families said they received subsidies to help pay for premiums. The subsidies come in the form of tax credits. They averaged $3,000 per tax return, for a total of about $7.7 billion.

Overall, the IRS has done "a commendable job" implementing the initial stages of the health law, despite budget cuts, the report said.

Republicans in Congress adamantly oppose Obama's health law, so some have been working to starve the IRS of funds just as its role in implementing the law ramps up.

Congress has cut the agency's budget by $1.2 billion since 2010, and House Republicans are proposing more cuts next year.

Congressional Republicans have been at odds with the IRS ever since the tax agency acknowledged that agents had improperly singled out conservative groups for extra scrutiny when they applied for tax-exempt status during the 2010 and 2012 elections.

Since then, the IRS has streamlined the process of filing for tax-exempt status under section 501(c)(3) of the tax code. In Wednesday's report, Olson said agents are now approving applications, "often based on insufficient information."

Last year, the IRS approved 94 percent of applications for 501(c)(3) status, which allows donors to deduct contributions. The number of applications approved — 94,400 — was more than twice as many as the year before.

Join the conversation about this story »

NOW WATCH: Here's the most important trend that's changing the way big brands interact with you Reported by Business Insider 9 hours ago.

HMO vs. PPO: Is One Better Than the Other?

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Here are are some key things to consider if you're choosing between HMO and PPO health insurance plans. Reported by Motley Fool 3 hours ago.
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