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A Look At Six Years of the Affordable Care Act

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A Look At Six Years of the Affordable Care Act President Barack Obama’s signature on the health insurance reform bill at the White House, March 23, 2010. (Official White House Photo by Chuck Kennedy)

*20 million.*

That’s how many people now have the health coverage they need thanks to the President’s health care law. In fact, for the first time ever, more than 90% of Americans have health coverage, putting the U.S. rate of uninsured Americans at 8.8%.

In that same time, our businesses have added 14.3 million jobs — the longest streak of private-sector job growth in history.

*6 years. 20 million people. 14.3 million jobs.*

That’s what the Affordable Care Act has meant for America. Take a look back at the photos and videos that capture the history of this landmark legislation — from its passage to the people its helped today.

President Barack Obama addresses a town hall meeting on health care insurance reform inside a hangar at Gallatin Field in Belgrade, Montana, August 14, 2009. (Official White House photo by Pete Souza)

President Barack Obama delivers remarks on Medicaid fraud and health care reform at St. Charles High School in St. Charles, Missouri, March 10, 2010. (Official White House Photo by Pete Souza)

President Barack Obama, Vice President Joe Biden, and senior staff, react in the Roosevelt Room of the White House, as the House passes the health care reform bill, March 21, 2010. (Official White House Photo by Pete Souza)

President Barack Obama stops to talk with Amy Wilhite and daughter Taylor, who has Acute Myeloid Leukemia (AML), a fast-growing cancer of the blood and bone marrow, following remarks on the 90-day anniversary of the signing of the Affordable Care Act, in the East Room of the White House, June 22, 2010. (Official White House Photo by Pete Souza)

Because of the Affordable Care Act, young adults can stay on their parent’s health insurance plan up to the age of 26. This and other parts of the law are making a difference in the lives of millions of Americans like Erick Moberg.

 

Senior advisors and officials listen as President Barack Obama delivers remarks regarding the U.S. Supreme Court decision upholding the “Patient Protection and Affordable Care Act,” in the East Room of the White House, June 28, 2012. (Official White House Photo by Pete Souza)

President Barack Obama, with Health and Human Services Secretary Kathleen Sebelius and Chief of Staff Denis McDonough, participates in a meeting on the Affordable Care Act in the Roosevelt Room of the White House, July 23, 2013. (Official White House Photo by Pete Souza)

President Barack Obama holds a meeting with Vice President Joe Biden to discuss the problems associated with enrollment in the Affordable Care Act, in the Oval Office, Oct. 10, 2013. (Official White House Photo by Pete Souza)

President Barack Obama delivers remarks regarding the Affordable Care Act (ACA) at Faneuil Hall in Boston, Massachusetts, Oct. 30, 2013. (Official White House Photo by Amanda Lucidon)

President Barack Obama delivers remarks at an Affordable Care Act event at Temple Emanu-El in Dallas, Texas, Nov. 6, 2013. (Official White House Photo by Pete Souza)

President Barack Obama greets Linda and Russ Dickson, a Texas couple who wrote a letter to the President about the Affordable Care Act, at the Lyndon Baines Johnson Presidential Library in Austin, Texas, April 10, 2014. (Official White House Photo by Pete Souza)

President Barack Obama receives word of the Supreme Court ruling onAffordable Care Act subsidies during the Presidential Daily Briefing in the Oval Office, June 25, 2015. (Official White House Photo by Pete Souza)

President Barack Obama, with Vice President Joe Biden, delivers a statement regarding the Supreme Court ruling on Affordable Care Act (ACA) subsidies, in the Rose Garden of the White House, June 25, 2015. (Official White House Photo by Amanda Lucidon)

“You really did save my life.” — Brent, a Republican from Milwaukee, to President Obama about the Affordable Care Act.

Kelly Jo is Special Assistant to the White House Chief Digital Officer. Reported by The White House 23 hours ago.

Clarification: Insurers-Testing Better Directories story

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In a story March 22, The Associated Press reported that the trade association America's Health Insurance Plans will start testing a more efficient way to update health care provider directories. The story stated that the test involves having a health information technology company contact providers for directory updates and that the trade association would share those updates with several insurers. It should have stated that the health information technology company will share that information rather than the trade association. Reported by CNSNews.com 1 day ago.

The Long March of Bernie’s Army

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This article is a preview of the Spring 2016 issue of The American Prospect magazine. Subscribe here. 

Now that Bernie Sanders has lost most of the once-industrial Midwest to Hillary Clinton, now that it’s vanishingly unlikely that he’ll become the Democratic nominee, the most important period of the Sanders insurgency has finally begun. The senator from Vermont has astonished both his fiercest critics and his (relatively few) longtime fellow socialists by mobilizing millions of voters, becoming a hero to the young, and being on track, by the time this year’s primaries are done, to capture roughly 40 percent of the Democratic vote—all while running as a democratic socialist and scourge of Wall Street in this most capitalist of countries.

But Sanders’s is not a campaign that history will judge by the number of votes he won. Like only a handful of predecessor campaigns, like no presidential campaign since Barry Goldwater’s, his will be judged by whether it sparked a movement that transformed America. That’s the metric by which Sanders himself measures his success: Whether his campaign can build what he calls a revolution, inspiring his supporters (and some of Hillary Clinton’s, too), once this year’s campaign is done, to build the political power and social movements that can break the hold that wealth exerts on politics and policy, and thereby re-create the mass prosperity that was once America’s calling card to the world.

Problem is, electoral campaigns don’t create enduring organizations, much less social movements. Though Barack Obama’s 2008 presidential campaign likely mobilized more volunteers and donors than any that came before, the organization through which it sought to keep its activists active once Obama became president—Obama for America—lacked all autonomy or organizational life; it failed even to exert any pressure on Democratic members of Congress who were cool to Obama’s agenda. Democracy for America, which sprang from the wreckage of Howard Dean’s 2004 presidential bid, has never been more than a liberal pressure group of modest scale. Out of the more ideologically defined presidential campaigns of Jesse Jackson in the 1980s, the Rainbow Coalition emerged, but the Rainbow’s goals were so consistently subordinated to Jackson’s own political needs that progressive activists soon abandoned it.

This spring, however, leaders and activists from all manner of progressive movements and organizations are rolling this stone up the hill one more time. They can recite all the reasons why Obama for America never got off the ground; some of them even worked for the Rainbow until they realized there were better places to make social change. Most of them are painfully familiar with the tragic-comic history of the American left, a largely marginal tendency in American politics that has often squandered its moments of opportunity with displays of purity and rigidity that have only left it more marginal.

And yet, many progressives believe this time may be different. It’s not that the Sanders campaign itself has incubated some kind of permanent left formation. “Bernie hasn’t built an organization; he’s built a campaign,” says one left leader. “That isn’t something that endures.” The task of building that enduring something, they understand, falls to them—though Sanders himself can help them along.

Leaders of unions, community-organizing groups, minority organizations and student groups, prominent environmentalists and Sanders activists, precinct walkers and online campaigners—some longtime allies, some total strangers to one another—are “all in one large, shifting conversation,” in the words of one such leader, to figure out how to build the Revolution once the Sanders campaign is done.

Some are planning national conclaves, like the “People’s Summit” in Chicago in mid-June, where the disparate groups in the Sanders universe will gather to lay out a common agenda. Some are planning how to prod the delegates at the Democratic Convention (including some pledged to Clinton) to shift the party well to the left. More fundamentally, they are debating ideas on how to create something—organizations, coalitions, networks, local, state, national—that can capture and build on the energy and politics that the Sanders campaign has unleashed.

The challenge of creating an enduring left out of Sanders’s young supporters, who have brought the passion, energy, and numbers to his campaign, is particularly daunting. “Presidential elections generate excitement unlike any other,” says a veteran union leader. “They ignite a level of energy and self-activity that’s hard to capture and transfer. We can’t assume that 100,000 young people who have self-organized in the campaign are going to respond to being told, ‘Here’s the next big thing.’ They won’t come over if it’s presented that way.”

Will they come over at all? Are all these experienced activists even right in hoping that this time will be different, that this time a powerful social democratic left might just take root in America’s political soil?

I think they are. Chiefly because Bernie Sanders’s campaign didn’t create a new American left. It revealed it.

 

*IN 1906, GERMAN SOCIOLOGIST* Werner Sombart wrote an essay entitled “Why Is There No Socialism in the United States?” Sombart was just the first of numerous commentators—among them Daniel Bell and Seymour Martin Lipset—who sought to explain why the United States, alone among industrialized democracies, never developed a major socialist movement. (Sombart’s answer to this conundrum was that the upward mobility and higher living standards that European immigrants found here meant that socialism in America was stillborn.)

In the wake of the Sanders campaign, however, we suddenly need to pose quite a different question: Why are there socialists in the United States? Who are all these people who now not only flock to Bernie’s banner but deem themselves socialists? What do they even mean by socialism?

The numbers astonish. In a Des Moines Register poll on the eve of the Iowa caucuses, 43 percent of likely Democratic caucus attendees said they were socialists. In a Boston Globe poll on the eve of the New Hampshire primary, 31 percent of New Hampshire Democratic voters called themselves socialists; among voters under 35, just over half did. And in late February, a Bloomberg poll of likely voters in the Democratic primary in South Carolina—South Carolina!—showed that 39 percent described themselves as socialists.

Favorable views of socialism aren’t limited to Sanders supporters. The 39 percent of South Carolina Democrats who call themselves socialists exceeded by 13 percentage points the number who actually voted for Sanders. In a New York Times poll last November, 56 percent of Democrats—including 52 percent of Hillary Clinton supporters—said they held a favorable view of socialism.

Nor was this sway toward socialism triggered by Sanders’s candidacy. In 2012, a Gallup Poll showed that 53 percent of Democrats had a positive image of socialism, as did 62 percent of liberals. One year earlier, a Pew poll revealed that fully 49 percent of Americans (not just Democrats) under 30 had a positive view of socialism, while just 47 percent had a favorable opinion of capitalism. In 2011, the percentage of Americans under 30 who could have picked Sanders out of a police lineup was probably in the low single digits.

This is something new under the political sun. At no time in U.S. history have so many Americans supported a socialist presidential candidate, much less called themselves socialists. The apogee of socialists’ electoral performance came in 1912, when Eugene V. Debs won 6 percent of the vote running for president on the Socialist Party ticket. What’s more, the mystery of this socialist emergence is deepened by the fact that there is no visible organization in the United States that is recruiting people to socialism. The Democratic Socialists of America (of which I’m a vice-chair) has just several thousand members, and is almost entirely absent from many American cities. At first glance, this new socialist presence just seems to have sprung up, unsummoned, unannounced.

AP Photo/Jim Cole

Democratic presidential candidate Senator Bernie Sanders waves as he marches with supporters in the Labor Day parade Monday, September 7, 2015, in Milford, New Hampshire. 

And yet, it clearly has been building for years. Its emergence was foretold by Occupy Wall Street, and the polls that showed most Americans looked positively upon its message—that the 1 percent has flourished at the expense of the 99 percent—if not on the protesters themselves. It was foretold by the surprising rise to bestseller status of Thomas Piketty’s Capital in the Twenty-First Century, by the success of the Fight for 15 movement in prompting cities and states to raise the minimum wage, and by two movements (in themselves, non-socialist, but nonetheless radicalizing) of the minority young: the Dreamers, demanding citizenship for undocumented immigrants, and Black Lives Matter, demanding an end to discriminatory criminal justice. More broadly, it was foretold by the rise of a distinct civic left: With millennials and minorities reshaping urban America, 27 of the nation’s 30 largest cities now have Democratic mayors—the greatest urban partisan imbalance in the nation’s history. Many of those cities have enacted groundbreaking progressive legislation—instituting and raising the minimum wage, mandating paid sick days, forbidding their police forces from cooperating with federal immigration authorities, giving collective-bargaining rights to independent contractors.

What’s the substance of the new American socialism? I know of no surveys asking this newly hatched brood to define what they mean when they call themselves socialists, but we can make some educated guesses. First and foremost, they don’t counterpose socialism to a militant liberalism. Indeed, the rising number of people who identify as socialists coincides with a rise in the number who call themselves liberals. Whereas in 2000, only 27 percent of Democrats told Pew they were liberal, by 2015 that figure had risen to 42 percent, and among millennials it had increased from 37 percent in 2004 to 49 percent today. In Bloomberg’s poll of South Carolina Democrats, while 39 percent described themselves as socialist, 74 percent called themselves progressive, and 68 percent liberal: They weren’t asked to pick just one.

That suggests one key to Americans’ embrace of socialism: They’ve not been asked to choose among left-of-center political identities. By running as a Democrat rather than as a third-party alternative, Sanders has made it possible for progressives to back socialists and to call themselves socialist without worrying that they’re voting for a Naderesque spoiler or marginalizing themselves from political life. As well, it’s likely that when Americans call themselves socialist, they mainly have in mind the social democratic policies—a decent welfare state, more power for workers, and diminished devotion to the gods of the market—of Western European nations.

While this mass self-identification as socialists is new, the substantive conflation of social democracy with American liberalism is not. In his 1972 book Socialism, Michael Harrington, the brilliant American socialist leader, called the American labor movement “an invisible social democracy”—the functional equivalent of openly social democratic Europe, sharing many of the same beliefs and goals (once the European social democratic parties had abandoned their commitment to nationalizing the means of production). To be sure, the U.S. unions were constrained to advancing social democratic policies within the Democratic Party, and only occasionally did they prevail. And it was precisely those occasions that were viewed as the high points, not of American socialism, but of American liberalism: Social Security and Medicare, and the Wagner Act, which legalized collective bargaining.

For its part, the American right always alleged that these were really socialist programs—and last November, Bernie Sanders said that the right was right. In a speech at Georgetown University in which he offered his definition of socialism, Sanders said it was precisely those policies, advanced by two liberal presidents, Franklin Roosevelt and Lyndon Johnson, which illustrated his vision of socialism. Indeed, there’s little in Sanders’s own program that hasn’t been supported by many liberals who aren’t Sanders supporters. While only six Democratic House members have endorsed Sanders, more than 60 favor single-payer health insurance.

Still, Americans on the left have almost always overwhelmingly preferred the liberal to the socialist label. Why, then, this sudden shift? One reason is the collapse of Soviet communism, that ferocious pretender to the socialist throne, has allowed younger Americans to identify socialism with the social democratic policies of Western Europe.

But the prime mover of millions of Americans into the socialist column has been the near complete dysfunctionality of contemporary American capitalism as it affects all but the top. Where once the regulated, unionized, and semi-socialized capitalism of the mid-20th century produced a vibrant middle-class majority, the deregulated, deunionized, and financialized capitalism of the past 35 years has produced record levels of inequality, insecurity, a shrinking middle class, and scant economic opportunities (along with record economic burdens) for the young. A recent study published in The Guardian revealed that the share of millennials describing themselves as middle class has fallen steadily since the turn of the century: from 45.6 percent in 2002 to a record low 34.8 percent in 2014, when 56.5 percent said they were working class, and 8 percent lower class.

AP Photo/Tina Fineberg

Participants in a march organized by Occupy Wall Street make their way uptown to Union Square Park Saturday September 24, 2011 in New York. 

Therein lies what’s new: The young women who are backing Sanders, for instance, are probably as feminist as their pro-Clinton elders, but their daily grievances against capitalism are as deep as those they hold against patriarchy, unlike many of their elders. In earlier times, many who backed programs such as those Sanders champions identified as liberal; but today, by calling yourself a socialist, you signal a break with and critique of an economic and political order that is rigged against you.

“On the reefs of roast beef and apple pie,” Werner Sombart wrote in 1906, all socialist utopias run aground. To the immigrants who formed America’s industrial working class, he argued, the living standards they found here so exceeded those they had left behind that going socialist became unnecessary. There are many other reasons why a mass socialist movement never came to America, but if, as Sombart contended, the reality and expectation of rising economic conditions, and the sense that this was a nation that rewarded work, was the key to socialism’s absence, then the reality and expectation of today’s declining economic conditions, and the sense that this is a nation that rewards only the rich, is the key to socialism’s—or, more accurately, socialists’—surprising presence.

In 1967, as the ranks of the anti-war movement swelled both within and without the Democratic Party, a liberal activist named Allard Lowenstein took as his mission finding a prominent Democrat who would challenge Lyndon Johnson for the presidency the following year. Robert Kennedy kept putting him off, so eventually Lowenstein persuaded Minnesota Senator Eugene McCarthy to run.

If there’s a Lowenstein in the Sanders saga, it’s two left activists, Charles Lenchner and Winnie Wong. Both were in Zuccotti Park on the first day Occupy Wall Street was formed. Both were digital activists—Lenchner putting his digital-organizing chops at the service of unions and other progressive groups, Wong using hers to build the Occupy movement. With a group of Occupy alumni, Lenchner founded Ready for Warren, building a nationwide organization to persuade Massachusetts Senator Elizabeth Warren to run for president. “We wanted an alternative candidate even if we didn’t yet have a candidate who wanted to run,” Lenchner says, echoing a sentiment that Lowenstein once could have voiced. “It became a real force, but Ready for Warren didn’t entice her.”

Sanders, however, was interested. Lenchner and Wong transferred their energy to preparing a digital platform, People For Bernie Sanders, independent of Sanders’s campaign, through which progressives could organize their own pro-Sanders activities. “We launched the day he declared,” Lenchner says. Wong came up with a hashtag: #FeelTheBern.

They were not the only self-activating Sanderistas. The Sanders campaign’s decision to focus its early organizing on the first four caucus and primary states left his supporters in other states to find their own way to help his candidacy. In Chicago, a progressive municipal coalition that had been organizing against police violence and for racial and economic justice issues, Reclaim Chicago, hosted the city’s Sanders debate parties. In Seattle, says longtime labor activist Paul Bigman, the tens of thousands who flocked to a Sanders rally last fall were “not springing up from nowhere. There are a lot of strong movements here which naturally gravitated to Bernie, which we saw back in 1999 at the WTO demonstrations. The movement was already here.” It simply hadn’t had a presidential candidate to call its own.

Just as the anti-war movement preceded and shaped the insurgent presidential candidacies of 1968 and 1972, so a diverse movement for a range of progressive causes—economic justice most centrally—preceded and shaped Bernie Sanders’s campaign. “This was somebody’s base to have and to grow, from Occupy to Ready for Warren to Bernie,” says George Goehl, the director of National People’s Action, a nationwide organization of local working-class groups, with which Reclaim Chicago is affiliated. “Now Bernie’s taken it to a whole new level.”

The trajectory of the young people who came out of the anti-war movement and worked for the presidential candidacies of McCarthy, Kennedy, and George McGovern offers one template for where Sanders’s supporters might end up. Many stayed active in Democratic politics, spearheading changes in party rules (most importantly, requiring delegates to be elected in primaries or caucuses rather than appointed by party bosses), forming organizations that favored a less militaristic foreign policy in the wake of Vietnam, winning over the Democratic Party to their position (over the opposition of the more hardline cold warriors in the party’s ranks), and in time taking over much of the Democratic Party themselves.

It requires no imaginative leap to see the Sanders generation taking a similar course—fighting to change Democratic Party rules and positions, working to marginalize the sway that Wall Street has held in party councils. Larry Cohen, the former president of the Communications Workers of America who founded Labor for Bernie, is building support among delegates to this summer’s convention for a resolution that would condemn the practice of Democratic candidates taking super PAC funds in future party primaries or caucuses. “Philadelphia has to make clear that this is now a populist party, not a finance-led party,” Cohen says.

AP Photo/Jim Cole

Supporters cheer as Democratic presidential candidate Senator Bernie Sanders speaks during the state's annual Democratic convention Saturday, September 19, 2015, in Manchester, New Hampshire. 

But the forces that Sanders’s candidacy has nourished face a more fundamental challenge than the anti-war young of the 1960s confronted: transforming not just a party or a foreign policy, but the economic and political order of the past four decades. The Sanders campaign has called the young to the barricades, but what will they do when it ends? “All these people who are starting to question capitalism and the role of the superrich,” wonders Stephen Lerner, who led the campaign that successfully organized thousands of big-city janitors in the 1990s, “how do they dig into campaigns that substantively address those problems?”

Some in the Sanders generation will surely turn to electoral politics. “Environmental justice activists will run candidates for city council,” Wong predicts. “Housing activists will do the same; so will racial justice activists. That’s all going to happen in the next four years. This is a guarantee.”

Can they count on Sanders supporters to help them into office? Sanders’s campaign has amassed a list of millions of donors and volunteers. Yet candidates almost invariably husband their lists. Characteristically, they refuse to share them when their campaigns are over and tightly control the uses to which their lists are put. Given Sanders’s commitment to a revolution, and given the likelihood that he’ll not run a national campaign again, the hope throughout progressive circles is that this will be yet another convention that Sanders will shatter.

“The list is on everybody’s mind,” says one leader of an organization that’s endorsed Sanders. “There’s not a great history of this sort of thing working out. We’re all curious to see how willing Bernie will be to say that there are a range of vehicles, groups, and campaigns that will carry on the revolution, or whether he will just form his own thing,” which would monopolize the list.

“If all we end up with when the campaign is over is Bernie for America,” says a leader of another pro-Sanders group, “I’ll shoot myself.”

 

*THE GROUP THAT'S HAD THE MOST SUCCESS* in building a vibrant left electoral force is the Working Families Party, which recruits, trains, and runs campaigns for hundreds of progressive candidates at the state and local level. Its name notwithstanding, the WFP-backed candidates generally run in Democratic primaries, frequently against more centrist opponents. While well established in New York, where it dominates New York City government, the WFP is only active in ten states. National People’s Action, another group that mobilizes working-class voters for progressive candidates and causes, also has a presence in multiple states, though it has yet to develop a WFP-level of electoral expertise.

“Networks like the Working Families Party and People’s Action can be a home for some of the folks coming out of the Sanders campaign,” says Dan McGrath of Take Action Minnesota, a People’s Action affiliate that has waged successful local and statewide electoral campaigns. “But they are not all going to move to one place. It will require state-by-state negotiations to capture what Bernie has built.”

Some of the most vibrant and important organizations on the left today—Black Lives Matter, the Dream Defenders—either don’t have a history of electoral involvement or see their work as entirely separate from electoral activity. Stephen Lerner, whose organizing preferences run to the non-electoral, believes that Sanders’s electoral activists may nonetheless find some direct-action campaigns that address their particular needs. “The young Bernie supporters could take all the skills they used in the campaign,” he posits, “to build a list of five million student debt holders who would demand to bargain with the Department of Education and the banks over the debt or else refuse to pay.”

The leaders and activists of People For Bernie have no trouble, obviously, with electoral activity, but aren’t that keen on traditional organizational forms. “Nobody can centralize the energy” that young people have exhibited on Sanders’s behalf, says Wong. Adds Lenchner, her colleague, “These people’s inclination is not to ask whom should I join, but what should my friends and I do? There’s a move away from formal structures; it’s a marriage between technology and the needs of this generation.”

“There is a political culture clash,” says one labor leader who’s worked closely with the People For Bernie activists. “They would open-source this whole project and have individual activists do what they wanted. We believe in everyone marching together. It’s like the anarchists meet the Stalinists.”

“Political change happens slowly until it doesn’t,” says Working Families Party National Director Dan Cantor. “Bernie has changed what it’s possible to say.”

It’s precisely because the limits of the possible have so suddenly expanded, in ways that make possible the construction of a genuine democratic left, that the discussions on how to build that left have become so intense. At a moment when self-proclaimed socialists are suddenly to be found on street corners—not, as in olden days, on soap boxes, but simply on the corners, likely fiddling with their phones—they need to find ways to come together, to find their voice, to build a force, or forces, for a more egalitarian America.

“We’re one of many groups trying to figure out if there’s some way to extend at least some of this energy sparked by Sanders into enthusiasm for down-ballot progressive candidates and issue campaigns,” says Cantor. “We have to get the balance right between the energy of a swell of volunteer activity and the need to do long-term planning to mount a successful campaign. We don’t have to figure out everything to figure out something.”

Cantor has a clear sense of the challenge, at once electoral and doctrinal. “What we have to do is create a program that shows the contrast between what most working people want out of their government and what more corporate-minded Democratic members of Congress are willing to do,” he says. “It’s not conceptually complicated, but it’s a lot of work.”

That challenge would grow steeper if the most left-wing (or just most intransigent) Sanders supporters declined to support Hillary Clinton in a general election against Donald Trump or Ted Cruz, thereby estranging the vast majority of progressive institutions and individuals. It’s inconceivable that Sanders himself or any of the traditional organizations that have backed his campaign would take that position, but some Sanders supporters have argued that Clinton is no better than the neo-fascist or extreme right-winger against whom she’ll likely face off. (The one historic antecedent for such lunacy is that of the German communists of 1932 and 1933, who argued that their rival left party, the Social Democrats, were a greater danger than the Nazis. That they were proven wrong was small consolation.) True to its open-source principles, Wong says, People For Bernie won’t endorse a candidate, but she makes clear that the group plans to “release explainers” on the candidates and how close the race is in various states. “We’ll say, ‘Here’s why this is important if you live in a swing state.’ We’ll be responsible for, and to, the constituency we’ve created.”

As polling makes clear, the leftward movement of the Democratic Party is not confined to Sanders supporters. When Democrats gather in Philadelphia in July, Sanders delegates are likely to put forth a range of proposals—Cohen’s resolution that could take big money out of Democratic primaries, platform planks to further clamp down on Wall Street and oppose corporate free trade—that may well win the support of Clinton delegates and perhaps the nominee herself.

Al Drago/CQ Roll Call/AP Images

Roger Zagar, of Des Moines, and Ryan Hurley, from Regina, Saskatchewan, Canada, who works with Member of Parliament Erin Weir, walk with yard signs while canvassing the Union Park neighborhood, Monday, February 1, 2016 in Des Moines, Iowa. 

Whatever the organizational forms they may take, the Sanders forces will surely play a role that’s critical—in both senses of the word—to a Clinton presidency. Sanders himself and Elizabeth Warren will doubtless endeavor to ensure that Clinton’s economic policies aren’t formulated by or infused by the spirit of the usual suspects from Goldman Sachs. The Sanders left will stomp on anything resembling the kind of grand compromise that cuts into such core commitments as Social Security, should Clinton seek the same kind of across-the-aisle deal that Obama did in 2011. Their own solution to breaking congressional gridlock, Cantor argues, should be waging campaigns to win back purple House districts from the Republicans, not with centrist Blue Dogs but with economic populists—a task that will require much on-the-ground organizing by Bernie’s legions.

Should Trump or Cruz end up in the White House, the entire Democratic Party will shift to a militant oppositionist mode—a form of politics at which Sanders supporters, more than any other quadrant of the party, excel.

Economic upheaval has redefined the Democratic Party before. In the 1920s—like the 1990s, a time when business dominated policy and regulation was shunned—the Democrats’ national chairman was John J. Raskob, a financial lieutenant of the Du Pont family, whose ownership of General Motors he helped secure. In the 1930s, as general strikes and an emboldened left pushed Franklin Roosevelt to enact groundbreaking economic reforms, Raskob helped found and fund the Liberty League, which opposed Roosevelt’s re-election.

If the Sanders revolution is going to roll on, it must begin with a kindred redefinition of the Democratic Party—likely estranging in the process such Wall Street figures as Robert Rubin, whose deregulatory, pro-corporate preferences dominated Democratic policy in the 1990s just as Raskob’s did in the 1920s. Indeed, when the Democrats convene in Philadelphia, the Sanders forces are likely to proclaim that theirs is just the latest in the occasional revolutions that have propelled the nation and the party forward, including the one that the Democrats held in Philadelphia 80 years before. In accepting the party’s 1936 nomination for his second term as president, Franklin Roosevelt made clear how far the nation and the party had come from its corporate conservatism of the previous decade. Terming financial and corporate leaders “the privileged princes of these new economic dynasties, thirsty for power,” he warned that they “sought control over Government itself,” that “the political equality we once had won” was becoming “meaningless in the face of economic inequality,” and that the preservation of “American institutions requires the overthrow of this kind of power.”

If the Sanders generation can speak to America as boldly as Roosevelt did, and build their power once Bernie’s campaign is done, they may just make their revolution yet. Reported by The American Prospect 7 hours ago.

Report: HealthCare.gov Logged 316 Cybersecurity Incidents

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Report: Web portal used by millions of consumers to get health insurance under Obama's law will likely continue to have security flaws Reported by ABCNews.com 23 hours ago.

This exclusive report reveals the ABCs of the IoT

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The Internet of Things (IoT) Revolution is picking up speed and it will change how we live, work, and entertain ourselves in a million ways big and small.

From agriculture to defense, retail to healthcare, everything is going to be impacted by the growing ability of businesses, governments, and consumers to connect to and control their environments:

· “Smart mirrors” will allow consumers to try on clothes digitally, enhancing their shopping experience and reducing returns for the retailer
· Assembly line sensors will detect tiny drops in efficiency that indicate critical equipment is wearing out and schedule down-time maintenance in response
· Agricultural equipment guided by GPS and IoT technology will soon plant, fertilize and harvest vast croplands like a giant Roomba while the “driver” reads a magazine
· Active people will share lifestyle data from their fitness trackers in order to help their doctor make better health care decisions (and capture discounts on health insurance premiums)

No wonder the Internet of Things has been called “the next Industrial Revolution.” It’s so big that it could mean new revenue streams for your company and new opportunities for you. The only question is: Are you fully up to speed on the IoT?

After months of researching and reporting this exploding trend, John Greenough and Jonathan Camhi of Business Insider Intelligence have put together an essential briefing that explains the exciting present and the fascinating future of the Internet of Things. It covers how IoT is being implemented today, where the new sources of opportunity will be tomorrow and how 17 separate sectors of the economy will be transformed over the next 20 years, including:

· Agriculture
· Connected Home
· Defense
· Financial services
· Food services
· Healthcare
· Hospitality
· Infrastructure
· Insurance

· Logistics
· Manufacturing
· Oil, gas, and mining
· Retail
· Smart buildings
· Transportation
· Connected Car
· Utilities

 

If you work in any of these sectors, it's important for you to understand how the IoT will change your business and possibly even your career. And if you’re employed in any of the industries that will build out the IoT infrastructure—networking, semiconductors, telecommunications, data storage, cybersecurity—this report is a must-have.

Among the big picture insights you’ll get from *The Internet of Things: Examining How the IoT Will Affect The World*:

· IoT devices connected to the Internet will more than triple by 2020, from 10 billion to 34 billion. IoT devices will account for 24 billion, while traditional computing devices (e.g. smartphones, tablets, smartwatches, etc.) will comprise 10 billion.
· Nearly $6 trillion will be spent on IoT solutions over the next five years.
· Businesses will be the top adopter of IoT solutions because they will use IoT to 1) lower operating costs; 2) increase productivity; and 3) expand to new markets or develop new product offerings.
· Governments will be the second-largest adopters, while consumers will be the group least transformed by the IoT.

And when you dig deep into the report, you’ll get the whole story in a clear, no-nonsense presentation:

· The complex infrastructure of the Internet of Things distilled into a single ecosystem
· The most comprehensive breakdown of the benefits and drawbacks of mesh (e.g. ZigBee, Z- Wave, etc.), cellular (e.g. 3G/4G, Sigfox, etc.), and internet (e.g. Wi-Fi, Ethernet, etc.) networks
· The important role analytics systems, including edge analytics, cloud analytics, will play in making the most of IoT investments
· The sizable security challenges presented by the IoT and how they can be overcome
· The four powerful forces driving IoT innovation, plus the four difficult market barriers to IoT adoption
· Complete analysis of the likely future investment in the critical IoT infrastructure: connectivity, security, data storage, system integration, device hardware, and application development
· In-depth analysis of how the IoT ecosystem will change and disrupt 17 different industries

*The Internet of Things: Examining How the IoT Will Affect The World* is how you get the full story on the Internet of Things.

To get your copy of this invaluable guide to the IoT universe, choose one of these options:

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The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of the IoT.

Join the conversation about this story » Reported by Business Insider 22 hours ago.

Divided Supreme Court hears Little Sisters’ case

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Washington D.C., Mar 23, 2016 / 02:29 pm (CNA/EWTN News).- The Little Sisters of the Poor and other religious charities should be free to carry out their ministries without having to violate their religious beliefs, plaintiffs argued at the Supreme Court on Wednesday. 

“This morning we heard the justices of the Supreme Court comment on the fact that members of many minority religions across the country have stood with the Little Sisters of the Poor, asking the government to do the very simple and right thing here, which is just if the government wants to provide these [contraceptive] services, the government is free to provide them,” stated Mark Rienzi, lead attorney for the Little Sisters of the Poor, at a press conference outside the Court after the oral arguments in Zubik v. Burwell.  

The government has other ways to provide contraceptive coverage for employees than forcing religious non-profits to do so, he stressed.

“And in every other court case where the government has come before this court and talked about its [health] exchanges, it has told the Court that they are wonderful, they are cheap, they are easy to use, they are affordable, they are great. And all the Little Sisters are asking today is that the government uses all its other programs to provide the services it wants.”

The case Zubik v. Burwell is a combination of seven cases before the court against the “accommodation” offered to religious non-profits by the Obama administration regarding its federal contraception mandate. Plaintiffs include the Little Sisters of the Poor, the Archdiocese of Washington, Bishop David Zubik of Pittsburgh, and several Christian colleges. 

Employers have to include contraception coverage in their employee health plans, according to the mandate. Only churches and their auxiliaries are exempt, thus forcing many religious charities and non-profits like the Little Sisters to provide the coverage they believe to be morally objectionable. 

The administration’s “accommodation” is a process by which objecting parties send a form to the government notifying them of their objection. The government then instructs the party’s insurance company – or third-party authority for self-insured entities – to provide the coverage separately. This separates the charities from the objectionable process of providing contraception coverage, the government contends.

Paul D. Clement, arguing for the Little Sisters and their fellow petitioners before the court on Wednesday, said this process still demands more than a simple opt-out. It forces the Little Sisters and other religious charities to fill out a form they know will ultimately facilitate access to birth control against their religious beliefs, he said.

The government also enforces this measure with “massive penalties,” he added. The Little Sisters could pay up to $70 million a year in fines if the mandate goes into effect and they do not comply with accommodation. 

However, Justice Ruth Bader Ginsburg argued during the hearing, “the insurer or the TPA is then not dealing with the employer at all.” The employer “could say, ‘I fill out the form. I do not authorize. I do not permit. It won't make any difference’.”

“It makes all the difference, Justice Ginsburg,” Clement countered. “If we don’t provide the form, then the coverage doesn’t flow.” 

Justice Sonia Sotomayor responded that tension between laws and the religious beliefs of persons is inevitable, and that if all requests for religious exemption from laws were honored, government actions could not be enforceable. 

“Because every believer that's ever come before us, including the people in the military, are saying that ‘my soul will be damned in some way’,” she said of requests for religious exemptions from laws and actions like a military draft. If that burden will “always” be “substantial,” she added, and all religious exemptions are honored, “how will we ever have a government that functions?”

Aside from a cloistered monk or hermit, Justice Stephen Breyer noted, a “religious person” living in society may “have to accept all kinds of things that are just terrible for him.” Quakers must pay taxes for a war they conscientiously object to, he said. Religious people against blasphemy might not like First Amendment protections of it. 

Noel Francisco, also arguing for the plaintiffs, said that religious non-profits should get the same protections as churches, which are exempt from the mandate. 

Justice Elena Kagan pressed him on expanding religious exemptions to charities and non-profits. 

“I thought there was a very strong tradition in this country, which is that when it comes to religious exercises, churches are special,” she said. If these religious protections are expanded to include “all religious people,” she argued, “then the effect of that is that Congress just decides not to give an exemption at all.”

Francisco also argued that because the health care law exempts many entities like small businesses from having to provide health insurance, and exempts the plans of large corporations from the mandate by “grandfathering” them in to the health care law’s regulations, the government may not be able to establish a “compelling interest” for contraception coverage since so many health plans don’t provide it. 

Even if it does establish this interest, he continued, it has other means of facilitating access to contraception including through plans on the public exchanges that offer contraception coverage or through Title X family planning funding. 

Another point of contention was the fact that, according to the IRS tax code, churches and their auxiliaries are exempt from the HHS mandate but religious non-profits, who must fill out a 990 form, are not. 

The plaintiffs argued that there is no essential difference between these groups and both should receive exemptions because of their religious status. “The line they’ve drawn here is absurd,” Clement said of the administration exempting churches and their integrated auxiliaries but not religious non-profits. 

There is no substantial difference between these groups, he added; the only difference is that one group, non-profits, fills out a 990 form.

Solicitor General Donald Verrilli, arguing for the administration, said the government has a compelling interest to require employer-based contraception coverage, and every alternative that has been proposed defeats Congress’ purpose of ensuring low-cost birth control access for all women without the hassle of co-pays or obtaining separate health plans for contraception. 

Furthermore, he cited an Institute of Medicine report claiming that widespread contraception access was in the public good, lowering the number of unintended pregnancies and abortions. 

Chief Justice John Roberts discussed whether the mandate posed a substantial burden on the plaintiffs by “hijacking” their own health plans. Clement had argued that the government was indeed hijacking the insurance plans, saying that “it’s a little rich for the government to say ‘this isn’t your plan, don’t worry about this’.”

“In other words, the Petitioner has used the phrase ‘hijacking,’ and it seems to me that that's an accurate description of what the government wants to do,” Roberts said. “They want to use the [insurance] mechanism that the Little Sisters and the other Petitioners have set up to provide services because they want the [contraception] coverage to be seamless.”

The Little Sisters “do not object to the fact that the people who work for them will have these services provided,” he added. “They object to having them provided through the mechanism that they have set up because they think, you know, whether you or I or anybody else thinks, they think that that complicity is sinful.”

“Can you explain why you don't see this as a hijacking?” Justice Sotomayor asked Verrilli. 

Verrilli argued that the government is “ensuring” that employees “get what the law entitles them to,” while “ensuring” that employers do “not have any legal obligation to pay for the coverage, to provide the coverage in any way.”

The funding for the contraception coverage is done separately from the employer, he argued. The insurer is listing the coverage cost separately from the other employer-provided coverage. 

However, Justice Alito noted, the sisters’ third-party insurance issuer would also not comply with the mandate if it is enforced. 

And many religious groups, including some Muslims, Mormons, and Orthodox Jews and American Indians, have supported the Little Sisters saying the mandate and its so-called accommodation present an “unprecedented threat to religious liberty in this country.”

“Ladies and gentleman, the fate of the Little Sisters is the fate of every American,” Kristina Arriaga, executive director of the Becket Fund, stated outside the court after Wednesday’s arguments.

“They [the Little Sisters] serve the poor, they feed the hungry. We at Becket join millions of Americans who are asking the Court to let them serve,” she added. Reported by CNA 21 hours ago.

Advocate, NorthShore propose low-cost health insurance if merger approved

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The proposed merger of Advocate Health Care and NorthShore University HealthSystem has brought one issue into better focus: Hospitals are thinking more like insurance companies.

If the marriage goes through, Advocate and NorthShore plan to create a low-cost health plan that would be offered to... Reported by ChicagoTribune 6 hours ago.

Business Highlights

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Falling prices for oil and other commodities pulled U.S. stocks modestly lower on Wednesday, nudging the Standard & Poor's 500 index slightly into the red for the year and putting it on course to snap a five-week winning streak. Unlike U.S., European and Korean automakers, which end their financial year on Dec. 31, Japanese companies such as Toyota Motor Corp. and Honda Motor Co. close their books on March 31. In order to hit their annual sales targets, Japanese automakers usually ramp up the promotions and deals in March. WASHINGTON (AP) — U.S. homebuyers in the West accounted for all of February's increase in sales of new houses, possibly signaling uncertain growth prospects for the broader real estate market heading into the spring buying season. The bank cited "disappointing financial results" because of a combination of a high, inflexible cost base, exposure to illiquid fixed income assets, tough market conditions and "historically low levels of client activity." NEW YORK (AP) — Keurig is hiring Pinnacle Foods CEO Robert Gamgort as its next chief executive as it struggles to boost sales of its single-cup coffee machines. Starbucks to offer prepaid cards to boost rewards program A combination of Exelon and Pepco would create the largest electric utility company in the U.S. Exelon first offered to buy Pepco nearly two years ago. WASHINGTON (AP) — The government is ordering federal and state inspectors to remove certain Volvo tractor trucks from the road because of a steering wheel defect that can cause a complete loss of control of the vehicle. WASHINGTON (AP) — The web portal used by millions of consumers to get health insurance under President Barack Obama's law has logged more than 300 cybersecurity incidents and remains vulnerable to hackers, nonpartisan congressional investigators said Wednesday. The Government Accountability Office said none of the 316 security incidents appeared to have le Reported by SeattlePI.com 19 hours ago.

Obamacare online portal has logged 316 cybersecurity incidents, report says

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The web portal used by millions of consumers to get health insurance under President Barack Obama's law has logged more than 300 cybersecurity incidents and remains vulnerable to hackers, nonpartisan congressional investigators said Wednesday. Reported by FOXNews.com 14 hours ago.

State of Delaware Selects Mediware Human and Social Services to Help Streamline Services to the Aging and Disabled

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Mediware’s Harmony software facilitates consumer research, measures program outcomes and simplifies compliance with federal “No Wrong Door” requirements.

Lenexa, KS (PRWEB) March 24, 2016

Mediware Information Systems, Inc., the leader in integrated health and human services management, announced a new agreement with the State of Delaware.

Delaware’s Division of Services for Aging and Adults with Physical Disabilities (DSAAPD) has selected Mediware’s Harmony software to manage its aging and adult services and to establish an Adult Disabilities Resource Center (ADRC) to meet the statewide “No-Wrong Door” (NWD) initiative.

In all, Mediware will implement six statewide cloud-based solutions:

SAMS Case Management will replace multiple databases with a statewide consumer database and will use Mobile Assessments to improve field productivity by streamlining data collection and entry. State Health Insurance Program (SHIP) will automate CMS reporting and facilitate personal counseling to Medicare beneficiaries who must annually select a state health insurance plan. Web Resource Center will support Delaware’s “No Wrong Door” initiative, empowering consumers through online self-assessments to determine eligibility and available benefits while the Information and Referral module will enable consumers and caregivers across the state to identify and contact state authorized providers. Harmony’s Advanced Reporting will provide the visibility to the data required to analyze the overall impact of programs administered by the DSAAPD

“DSAAPD sought a partner with a full array of solutions specific to its needs to replace multiple third party systems,” said Todd Bransford, general manager of Mediware Human and Social Services. “We demonstrated that the Mediware suite of products can automate, integrate and implement Delaware’s No Wrong Door (NWD) initiative, as we have done in more than 20 other states. Our software will help the DSAAPD provide relief to Delawareans struggling to find the right services and will also arm the DSAAPD with the tools to measure program performance and reduce waste.”

About Mediware Information Systems
Since 1980, Mediware has provided software solutions to healthcare providers and has since expanded to serve many state and federal agencies. Mediware’s solutions are perfect for high-growth, complex patient care environments that remain underserved by existing vendors. The company employs more than 500 subject matter experts who deeply understand business and care processes in highly specialized acute, non-acute and community-based care settings and have years of experience integrating systems. Mediware’s portfolio of solutions currently includes human and social services, behavioral health, blood solutions, cellular therapy, home care, medication management, rehabilitation, and respiratory therapy. For more information about Mediware products and services, visit http://www.mediware.com. Reported by PRWeb 11 hours ago.

Ending the Supreme Court stalemate

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On Wednesday, an eight-member Supreme Court heard a challenge to the requirement under Obamacare that employer health insurance plans cover birth control. The case was brought by nonprofit organizations with religious objections to contraception.

But questions from the bench suggested that the... Reported by L.A. Times 6 hours ago.

Health insurance premiums rising faster than wages

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Health insurance premiums have increased faster than wages and inflation in recent years, rising an average of 28 percent from 2009 to 2014 despite the enactment of Obamacare, according to a report from Freedom Partners. Reported by FOXNews.com 3 hours ago.

United States: Day Of Reckoning Is Here: HIPAA Audits To Resume - Day Pitney LLP

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Yesterday, the U.S. Department of Health and Human Services' (HHS) Office for Civil Rights (OCR) launched the resumption of long-awaited Health Insurance Portability and Accountability Act of 1996 (HIPAA) compliance audits. Reported by Mondaq 2 hours ago.

Another Tough Day for the Prophets of Economic Doom

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It's been six years ago to the day since the Affordable Care Act (ACA) was signed into law. This anniversary serves as another reminder that the law is working and that the prophets of doom were wrong...again.

For years now Republicans have claimed almost daily that economic disaster was just around the corner. We were headed toward hyperinflation, the collapse of the dollar and the loss of jobs. But as I noted in a column a year ago, real economic events have proven the Republicans wrong time and time again.

By almost any measure, the state of our economy is stronger than when President Obama took office. The economy has grown in 24 of the last 26 quarters. The unemployment rate has been cut in half to 4.9 percent, down from a high of 10 percent in October 2009.

Ever since the Affordable Care Act was passed by Congress, Republicans have predicted doom and wasted time by voting upwards of 60 times to repeal it. They have wailed over and over again that the ACA would be a "job killer." That it would cause full-time workers to be cut back to part-time jobs. That small businesses would be devastated. And that health care spending would go through the roof and bankrupt us all. Once again, the prophets of doom were wrong. Not just wrong. But spectacularly wrong.

Let's start with their prediction that the ACA would be a job killer, and let's highlight the facts.

Starting with the month the ACA became law in 2010, businesses have created 14.3 million jobs over 72 consecutive months of private-sector job growth. That's the longest streak of private-sector job creation on record.

How about small businesses? Job growth has also been strong for them, as they have added jobs every single quarter since the ACA became law - creating 7.8 million jobs.

The gloomy predictions that the ACA would push Americans into part-time work has also proven to be piffle. Since 2010, 12.6 million full-time workers have been added while the level of part-time employment has remained the same.

And the predictions of soaring costs have been just as wrongheaded. The ACA has been successful in "bending the cost curve." Private health insurance spending per enrollee had been going up an average of almost 7 percent per year from 2000 to 2005. Since its enactment, these costs have leveled with increases on average of only around 1 percent each year.

In fact, according to the non-partisan Congressional Budget Office, repealing the ACA would increase the nation's budget deficit by an estimated $137 billion over a 10-year period.

And to be fair, the success of the ACA can't simply be measured in economic terms. The ACA has also saved lives.

When the rate of uninsured was near its peak, a study conducted at Harvard Medical School found that "nearly 45,000 annual deaths are associated with lack of health insurance." Then after the ACA was passed, the rate of uninsured dropped like a stone. Twenty million people have gained quality health insurance coverage. The percentage of the population without health insurance is now under 10 percent. That is the first time this has happened in our nation's history. Access to affordable health care saves lives.

And driving this improvement are the ACA's common-sense fixes to what was a broken system. An immensely popular change is that young people are now able to stay on their parents' plan. Another critical improvement is that people who have what the insurance industry calls a "pre-existing condition" no longer have to worry that they will be left high and dry, without insurance and without recourse.

The ACA also helps people change jobs without worrying about being left uninsured. The familiar problem of sticking with a job that was a bad fit - just because it provided benefits - is no longer an epidemic. Families who simply couldn't get health insurance through their employer can now get it. And for those who can't afford it, there are subsidies to help them get the coverage they need.

Overall, the ACA is one of the most successful and important pieces of legislation in a generation. It's time for the prophets of doom to acknowledge the error of their ways and admit that they were wrong. Let's celebrate the success of the Affordable Care Act and build on this accomplishment, not try and tear it down.

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

These Are The 8 Biggest Barriers To Economic Growth

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These Are The 8 Biggest Barriers To Economic Growth Submitted by John Mauldin via MauldinEconomics.com,

Last month I ran across a fascinating study by economist John Cochrane. He is a senior fellow at the Hoover Institution, former University of Chicago professor, and adjunct scholar with the Cato Institute. 

Cochrane wrote a paper on economic growth last year as part of a project to design presidential debate questions where he took a matter-of-fact approach to the growth problem. 

What are the barriers to productivity growth, and what can we do to remove them? Not surprisingly, most barriers are the result of counterproductive government policies. I’ll highlight here a few from Cochrane’s paper.



*Barrier #1: Government Interference*

 

The government interferes in just about every segment of the economy. Sometimes it brings benefits like traffic safety and clean air. More often, regulation simply slows growth in order to transfer wealth from one group to another.

 

It interferes with growth by impeding competition and distorting economic incentives. It distorts the signal that individuals send markets about their preferences and adds a great deal of noise and cost, which distorts economic activity from being its most efficient.

 

*Barrier #2: The Dodd-Frank Financial Regulations*

 

The Dodd-Frank financial regulations had the laudable goal of preventing future bank crises, but in reality, they simply work against other government policies. Washington encourages and subsidizes debt and then tries to prevent the inevitable consequences.

 

We wouldn’t need Dodd-Frank if the government were not rewarding excessive debt. Excessive, unproductive debt of the type we are generating in the US and Europe actually inhibits growth.

 

*Barrier #3: Obamacare*

 

We’re all frustrated by Obamacare and health insurance generally. What we need is simple, portable, catastrophic health insurance. Instead of promoting it, the government makes it illegal.

 

*Barrier #4: Energy Subsidies*

 

Here again the government works at cross-purposes with itself. It subsidizes energy so that it costs less, then tries to prevent us from using too much of it. Cochrane says the ethanol mandate helps no one but the large corn-producing companies. Ditto for solar subsidies.

 

*Barrier #5: Taxes*

 

Taxes should raise revenue, but instead we use them to redistribute income and encourage/discourage behavior. A simpler tax code would remove massive economic distortions, and it would be far better to tax consumption instead of income.

 

*Barrier #6: Income-Based Social Programs*

 

Cochrane sees no need to be stingy with helping people in genuine need. Welfare programs are far less costly than the many subsidies we give the middle class and large corporations.

 

The problem is that perverse incentives trap people and make them permanently dependent. He suggests consolidating all the aid programs and making them time-based, like unemployment benefits, rather than income-based.

 

*Barrier #7: Immigration Terms*

 

We can end illegal immigration overnight, says Cochrane, by making it legal. The question is the terms we apply to legal immigration. We should welcome skilled workers who want to stay in the US and contribute to our economy. He also points out, wisely, that whether someone should be here is a separate question from whether they should be allowed to work here.

 

*Barrier #8: Public Schools*

 

Public schools do not need more money; they need correct incentives. The way to deliver them and ensure better opportunities for all is to adopt vouchers and charter schools. The government doesn’t have to directly provide the service in order to help people afford it.



*Implementing these reforms is a political challenge, not an economic one. One man’s waste is another man’s subsidy. *People naturally resist when they perceive they are on the losing end of the bargain. Serious change is very hard if everyone insists on keeping whatever benefits they presently have. Reported by Zero Hedge 43 minutes ago.

Three Big Reasons Why Bernie Sanders Could Still Win This Election

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Corporate media has a story and it's sticking to it: Hillary Clinton has the Democratic nomination in the bag. Bernie hasn't a chance. Talk of big change may attract the under-30 crowd, but the majority of Democratic voters don't buy it. If you're not for Hillary, you're backing a loser, so you may as well stay home on primary day.

But Americans who are filling stadiums to support the peaceful evolution that is Bernie Sanders' Second American Revolution should not lose heart. Bernie insists that he is in the race to win, and this is still quite possible. Clinton is far from invincible.

As a veteran investigative reporter, I have been researching this contest for months, and cannot find any evidence that a candidate has ever become a Democratic nominee with the unfavorability ratings that Clinton has, or with a criminal F.B.I. investigation underway, or with such a high percentage of young voters favoring her opponent.

Although the corporate media has spent endless time covering this election, it has not reported these important facts. And despite a robust First Amendment and staffs that include most of the best investigative reporters in the world, no major news organization has ever investigated what influence the $153 million that corporations and organizations paid in "speaking fees" to Hillary and Bill Clinton during the past 15 years might have brought. Nobody has reported on how this money, and tens of millions in additional corporate campaign donations for Hillary Clinton, has influenced her positions.

A handful of multinational corporations today own America's mass media. But they do not own us. We have our social networks, and we are using them. Just as Bernie has made political history by relying on small individual donations instead of corporate PACs and billionaires, we, the people, have a chance to share information without corporate gatekeepers determining what we read or hear.

It is web-based, democratizing media that is spreading Bernie's grassroots revolution. Citizens can quickly share information with large numbers of people, and, as the enormous support for Sanders has demonstrated, effectively counter biased corporate media coverage and deceptive corporate financed TV ads.

We can share, for instance, the following scenarios that could very well result in Bernie Sanders's winning the Democratic nomination for President.

1. Voters May Uncover Corporate Media's Biggest Secret: On Health Care, Marijuana and GMO's, Bernie, Not Hillary, Represents the Views of 80% of Democrats
*
Here's some big news that no corporate media has deemed fit to print: According to an authoritative December, 2015 Kaiser Research poll, 81% of Democrats strongly or somewhat favor Medicare for All. This is the Sanders position which our media pundits tell us is so far out of line with the American voter. In fact, more than half of all American voters want Medicare for All. The poll found Bernie's position is significantly more popular than Obamacare.

A few months ago, Clinton told Americans that Medicare for All is a system "that will never, ever come to pass." The Kaiser poll showed that less than one out of six Democrats agree with Hillary's barbed opposition to Medicare for All. Hillary's campaign has gone so far as to slander Sanders by claiming that Medicare for All will take health insurance from people who have it now. The Intercept, an independent website for investigative journalism, reported that Clinton has received more than $2.8 million in speaking fees from the health industry during the past few years, for just 13 speeches. It's expose was titled, Hillary Clinton's Single-Payer Pivot Greased By Millions in Industry Speech Fees.

Hillary Clinton also stands far to the right of most Democrats and even Americans in general when it comes to decriminalizing marijuana. Bernie supports this. Hillary wants to "study" it more. This single issue reflects the greatest distinction between the two candidates in addressing the nation's out-of-control prison population, yet pundits continue to suggest that there is no difference between them when it comes to civil rights and the school to prison pipeline.

The decriminalization of marijuana would curb not only the racially-targeted drug arrests that feed our nation's notorious prison plantations, but also provide relief for the tens of thousands of parolees who continue to have their lives destroyed by being returned to jail for testing positive for marijuana on their drug tests. A startling admission by Richard Nixon's top aide reported here in the latest Harper's magazine revealed what critics of the DEA and war on drugs have long suspected: that they were created to suppress African Americans, and dissidents.

More than two-thirds of Democrats and 58 percent of all Americans favor Sanders' decriminalization position. Hillary's position, shared by fewer than one-third of Democrats, is to keep marijuana illegal except in states that allow it for medicinal use.

Clinton wants to move marijuana from its current criminalized status as a Schedule I drug with no known use to a Schedule II drug with some known medical benefit, like opiates and cocaine.* Hillary believes that marijuana should remain as illegal under federal law as cocaine *, empowering the continuation of the federal war on marijuana by US Attorneys, armies of DEA SWAT teams, and a Kafka-esque racket of IRS and bank regulatory rules

Bernie Sanders would remove marijuana from the federal schedule of illegal drugs entirely. He wold leave it to the states to decide how to treat it. More than 40 years since the taxpayer financed terror campaign against millions of Americans who chose marijuana over more harmful drugs like alcohol began, *Bernie Sanders would end the federal war on weed.*

Then there's genetically modified food. More than 92 percent of Democrats favor mandatory labeling of GMO food. Sanders is one of the nation's most outspoken proponents of GMO labeling and this July Vermont will become the first state in the nation to mandate this. Hillary is one of the nation's most prominent supporters of GMO food and Monsanto. She was reportedly paid $325,000 to speak at a 2014 biotech conference, during which she said that the industry needed not to label, but to learn how to better market its GMO products.

*2. A Criminal Indictment of Clinton Over Email Scandal Could Derail Her Candidacy*

The greatest wild card in this election is whether Hillary Clinton will be indicted on criminal charges prior to her election. The F.B.I. is in the midst of a fully independent criminal investigation into Clinton and her aides over her use of a private email server while Secretary of State. A sober, insightful interview with a former U.S. Attorney General about the federal laws that Clinton may have violated can be viewed here.

Hillary has only half of the pledged delegates that she needs from the primary to secure a nomination. Bernie Sanders will still need to win about 58 percent of the remaining contests if he is to succeed. It seems like a very tall order. But if Hillary is indicted during the next month, and then faces a criminal trial and endless subpoenas, the 58 percent threshold may not seem so challenging.

Moreover, if Hillary does win a majority of primary delegates, and is indicted after this, but before the July 25 Democratic National convention, those hundreds of super delegates that right now support her would be free to change their mind and support Sanders, as the Washington D.C. tip sheet The Hill described last week. If a Clinton criminal trial were underway, the Democrats would face a very high likelihood of losing the White House in November to Trump or Cruz. In that instance, Hillary's coronation by the Democratic Party machine might be cut short, and the super delegates could use their power to appoint Bernie Sanders instead.

*3. Democratic Voters May Wise Up to the Reality That Bernie is Far More Likely to Beat Trump Than Hillary*

America's corporate media loves polls. As I wrote about in The Huffington Post a few weeks ago, the two most widely parroted narratives about the Democratic contest are that Hillary is inevitable and that the polls show her winning by huge margins everywhere. Yet there is a major story that has been mysteriously missing from the media coverage of the polls. This is that Sanders polls better in the November election against Trump or Cruz than Clinton does. Much, much better.

Hillary Clinton is viewed unfavorably by more Americans than any Democratic presidential front-runner since such polling began. She is now regarded unfavorably by 54.3 percent of Americans polled. Sanders has an unfavorability rating of just 40 percent, far lower than Clinton, and far lower than Donald Trump or Ted Cruz.

Although Clinton manages to lead among Democrats, if she wins the Democratic nomination during the July 25 convention, she will need more than 50 percent of the nation's voters to win the general election. This is where her large unfavorability numbers work against her. Democratic candidates need a majority of independent voters to win a presidential race.* Hillary, the quintessential establishment candidate during an Election year in which voters are in open revolt against party-backed candidates, is so disliked by independent voters that two to one of them will vote for her Republican opponent in November.* These same Independent voters flip when faced with a Sanders-Trump- or Sanders-Cruz lineup, virtually insuring that a Sanders nomination will lead to a Sanders presidency

Reuters is the second largest news agency in the world. The Reuters/Ipsos poll was the most accurate national poll of U.S. residents published just before the 2012 presidential election, and it has been polling more than 2,000 Americans every week during the current campaign. These polls are highly transparent. They allow any reader to read general results and also see how subgroups like independents say they will vote.

In the Reuters March 20 poll of 1,722 Americans, pitting Clinton against Trump, 37% of all voters expressing a choice would vote for Clinton, while 35% would vote for Trump. This small margin vanishes among Independents, who say they would vote 49% for Trump and 25% for Hillary, while 26% of respondents would not answer the question or not vote.

When squared off against Ted Cruz, the Reuters March 20 poll of 1,724 Americans gave Clinton 36.3% of the vote to Cruz's 33.7%. Drilling down to the respondents who are registered, likely voters and Independents, 43% Cruz, 22% back Clinton and 35% dislike them both so much they would not vote.

Contrast these results with those for Sanders. The March 16 Reuters poll of more than 1,700 votes predicted Bernie would win 44.4 percent of the votes to Trump's 32.6 percent, a comfortable victory and possibly long electoral "coat-tails" to enable the Democrats to regain the Senate. Among Independents, Bernie wins by a margin of 10 percent.

In the Reuters March 16 poll of 1,735 voters, Sanders beat Cruz 45.6 percent to 29.5 percent. Among Independents, Bernie won 40 percent to Cruz's percent.

Democratic voters are far more intent upon making sure a Democrat wins the general election than they are on making sure Hillary Clinton is that Democrat. If, through their social media, voters in remaining states learn that a Clinton nomination is far more likely to make their nightmare of a Trump presidency a reality, millions could desert Hillary on primary day.

The contest for the heart and soul of the Democratic Party is not yet over.

Stay tuned.... but not to your T.V.

-- 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 38 minutes ago.

Zoom+ will move headquarters from burbs to the Pearl

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Zoom+, the neighborhood clinic and health insurance purveyor, is moving headquarters to the Pearl District from Hillsboro. Zoom plans to move to the nine-story Pearl West office building, at Northwest 14th Avenue and Irving Street, a block south of REI outdoor gear store. Zoom CEO Dave Sanders and Portland Mayor Charlie Hales are holding a “hard hat” tour for media on Friday. Details about Zoom’s plans are a bit sparse today. Zoom’s announcement says the move will take the 10-year-old… Reported by bizjournals 1 minute ago.

The Health Insurance Scam: "Coverage" Doesn't Mean Affordability Or Access

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The Health Insurance Scam: Coverage Doesn't Mean Affordability Or Access Submitted by Mike Krieger via Liberty Blitzkrieg blog,



*An architect of the federal healthcare law said last year that a “lack of transparency” and the “stupidity of the American voter” helped Congress approve ObamaCare.*

 

*He suggested that many lawmakers and voters didn’t know what was in the law or how its financing worked, and that this helped it win approval. *

 

– From the post: *Video of the Day – Obamacare Architect Credits “Lack of Transparency” and “Stupidity of the American People” for Passage of Healthcare Law*



Politicians, particularly those of the Democratic persuasion, love to throw around statistics about how many additional people have healthcare coverage without ever talking about the cost of such coverage, or whether it actually translates into actual access in the real world.

While a greater number of Americans having health insurance is a good thing when it comes to protecting against unexpected catastrophic events or extended hospital stays, it doesn’t tell you anything about two very important variables: 1) How much does it cost? 2) What kind of access does it provide? As usual, the devil is in the details.

We’ve all seen headlines about higher monthly premiums, but that’s just the tip of iceberg. Once you’ve paid your premium, you’re far from off the hook. Another one-two punch of deductibles, copays and out of pocket maximums appear which can collectively run into the thousands if not tens of thousands of dollars for families.

Meanwhile, it appears insurance companies may have recognized the politically toxic nature of higher premiums, so their focus has turned to deductibles as the most efficient way to suck more money from the public for no comparable increase in service.

As the Daily Caller reported earlier this month:



*The Affordable Care Act hasn’t just caused premiums to skyrocket across the country, out-of-pocket costs are also on the rise.*

 

*According to Freedom Partners, an Arlington, Va.-based pro free-market non-profit, 41 states are facing higher deductibles in 2016 – 17 of which saw a double-digit hike.*

 

The states that saw the biggest spikes were Mississippi (39 percent), Washington (31 percent), South Carolina (26 percent), Louisiana (24 percent), Florida (23 percent), Minnesota and Vermont (22 percent), Arizona (21 percent), and North Carolina (20 percent).

 

The organization used weighted-averages of ACA plan deductibles across the country in to conduct their analysis and created a tool – the 2016 Obamacare Deductible Increase Tracker, which is set to unveiled Thursday morning – allowing users to see how their state measures up.

 

*“Higher Obamacare deductibles increase, by hundreds of dollars, what families must pay out of pocket to access their health insurance,”* Freedom Partners Senior Policy Adviser Nathan Nascimento said in a statement. “Instead of reducing costs, Obamacare regulations and mandates continue to drive up these costs and make quality care less accessible for hardworking families.”



No wonder so many people, including myself, criticized Obamacare from the start as a crony piece of legislation *written by insurance companies to benefit insurance companies*. In return for this betrayal, the Obama administration is able to tout the increasingly meaningless metric, “increased coverage,” while ignoring serious issues of cost and access.

On a related note, I read a fascinating article this morning in the Boston Globe, titled: Even with Insurance, Mass. Residents Often Can’t Afford Care. Here are a few excerpts:



*Nearly all Massachusetts adults have health insurance, but being insured is no guarantee patients can afford health care or even find someone to provide it, according to a survey released Wednesday.*

 

Despite the state’s landmark health care overhaul, the report found, cost and access remain problems for a significant share of residents.

 

The 2006 law, which became the model for the federal Affordable Care Act, quickly succeeded at its main goal: ensuring coverage for nearly all residents. But the survey by the Blue Cross Blue Shield of Massachusetts Foundation shows access remains a concern, especially for those with low incomes or health problems.

 

*More than one-third of adults younger than 65 reported going without needed health care despite having insurance. Nearly half had trouble getting access to a health-care professional. One-fifth struggled to pay family medical bills or medical debts from previous years.*

 

Those out-of-pocket costs represent “a new health care agenda,” said Drew Altman, president and chief executive officer of the Henry J. Kaiser Family Foundation, a nonprofit focusing on national health issues. “It’s not just accessing care, but assuring that people can afford the care they now have access to.

 

*The architects of the law deliberately focused on coverage rather than costs, in order to get it passed, she said.* In 2012, the state adopted a sweeping law intended to control costs, but Shelto said the law hasn’t yet had much effect.



Sound familiar? This is exactly what the Obama administration did.



“It’s going to take more time,” she said. *“The issues around affordability are much more complex than access and coverage.”*

 

The telephone survey, conducted Sept. 8 to Nov. 8 by the Urban Institute, questioned a random sample of 2,014 people ages 19 to 64. Nearly 96 percent said they had health insurance at that time, up from 86 percent in 2006 and better than the 2015 national rate of 87 percent.

 

*Just over 37 percent of adults who were insured the full year reported going without needed health care — including doctor’s visits, tests, screenings, medications, and dental care. Among people with low incomes, more than 50 percent reported unmet health care needs.* In a question asked for the first time, the survey found that a quarter of adults do not have dental insurance.

 

43 percent said that in 2015, health care costs had caused problems for them and their families, including 19 percent who went without needed care as a result.

 

“If you have low income, it’s harder to find providers who accept your type of coverage,” Shelto said. “If you have a chronic condition, the array of services you need are much more complex and numerous.” Additionally, low-income people are more likely to have difficulties finding child care and transportation.

 

*The survey also pointed to problems accessing care. Among adults who had insurance for the entire previous year, 47 percent said they’d had trouble getting in to see a health care professional, because they could not find a provider who accepted their insurance or was accepting new patients, or because they couldn’t get an appointment as soon as needed. This problem has worsened over time.*



Access aside, the combined financial burdens of premiums, deductibles, copays and out of pocket maximums are real and will continue to devastate the balance sheets of the American public.

This issue is likely to come into increased focus in the coming years, and I’m of the belief that the U.S. healthcare system as we know it is likely to collapse within the next decade.

*The sucker American public can only be milked so long.* Reported by Zero Hedge 1 day ago.

Gautam Gowrisankaran Affiliates with Cornerstone Research

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University of Arizona professor brings expertise on healthcare and competition

San Francisco, California (PRWEB) March 24, 2016

Cornerstone Research, a leading provider of economic and financial consulting and expert testimony, announced today that Professor Gautaum Gowrisankaran has affiliated with the firm. He is the Arizona Public Service Professor of Economics at the University of Arizona.

“Gautam is a leading authority on healthcare economics and mergers and acquisitions,” said Cornerstone Research President and CEO Michael E. Burton. “His knowledge as a researcher and experience as an expert witness are key assets for our clients.”

Professor Gowrisankaran has analyzed the competitive effects of mergers as an expert witness and/or consultant in healthcare, transportation, high-technology products, energy markets, payment services and consumer durable goods. He has testified in competition matters before the Federal Trade Commission, U.S. district courts, state courts and internationally.

He conducts research in industrial organization and competition. The markets he has analyzed include hospitals, Accountable Care Organizations (ACOs) and health insurance.

Professor Gowrisankaran serves on the editorial boards of several academic journals, including the American Economic Review and the RAND Journal of Economics. He is also a research associate at the National Bureau of Economic Research.

About Cornerstone Research

Cornerstone Research provides economic and financial consulting and expert testimony in all phases of complex litigation and regulatory proceedings. The firm works with an extensive network of prominent faculty and industry practitioners to identify the best-qualified expert for each assignment. Cornerstone Research has earned a reputation for consistent high quality and effectiveness by delivering rigorous, state-of-the-art analysis for over 25 years. The firm has 600 staff and offices in Boston, Chicago, London, Los Angeles, Menlo Park, New York, San Francisco, and Washington.

Please visit Cornerstone Research’s website for more information about the firm’s capabilities in economic and financial consulting and expert testimony.

Twitter: @Cornerstone_Res Reported by PRWeb 22 hours ago.

The Supreme Court's Conservatives Don't Seem To Know What Obamacare Actually Does

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WASHINGTON --  The Supreme Court has taken four big whacks at the Affordable Care Act in as many years. But the conservative justices still don't seem to understand how it works.

During oral arguments this week in Zubik v. Burwell -- a set of seven challenges to Obamacare's contraceptive-coverage mandate on behalf of religious nonprofits -- Chief Justice John Roberts and his colleagues on the court's conservative wing gave the impression that they don't really grasp what the ACA's health insurance exchanges do, or indeed how the market for health insurance itself even functions.

In a nutshell, Zubik hinges on the question of whether it's a "substantial burden" for religious nonprofits to be required to fill out a form noting their objections to providing contraception under the law. The Little Sisters of the Poor and a smattering of religious nonprofits from across the country argue that it does -- that, in fact, it essentially makes them complicit in providing coverage for services they view as sinful. The federal government, which provided this accommodation, obviously disagrees.

During a back-and-forth in the courtroom about women whose employers don't cover contraception, and the subsequent lengths they must go to get it, Roberts suggested that it's not actually a big deal if women in such situations have to get their birth control covered some other way. Justices Anthony Kennedy and Samuel Alito appeared to share the same belief.

“They’re on the exchanges, right?” Roberts said, implying that women without access to contraception from their religious employers can just sign up to receive it through the federal insurance exchanges instead.

For Justice Sonia Sotomayor, this seemed to be the last straw.

“They’re not on the exchanges,” she said. “That’s a falsehood.”

Sotomayor went on to explain to Roberts -- and anyone else who needed to hear it -- how exactly the exchanges work.

“The exchanges require full-­service health insurance policies with minimum coverages that are set forth that are very comprehensive,” she said.Sotomayor is correct: There is no such thing as a "birth control only" policy. The Affordable Care Act simply doesn't allow any type of insurance that isn't comprehensive to be sold on the exchange marketplaces. Roberts either didn't know that, or was pretending not to. In most states, even dental plans for adults are only available to those who also are buying full-coverage medical insurance.

In other words, it is impossible, under current law, to go out and buy contraceptive-only coverage on the exchanges. That would amount to "creating a new program," as Sotomayor said. These marketplaces are intended for people whose employers don't even offer them health benefits, not for people seeking supplemental coverage of some kind.

Even if the law were changed to make it possible to buy "birth control only" coverage, insurers would have little incentive to offer it. Insurance works when lots of people buy it and only some people use it. A customer in the market for an insurance policy that covers only one thing -- like contraception -- presumably intends to use that benefit, which undermines the entire point of insurance.

U.S. Solicitor General Donald Verrilli repeatedly argued Wednesday that despite what Roberts and Alito evidently believe, it's not easy for women to get contraception covered some way other than their health insurance.

At one point, Verrilli urged Roberts to “put yourself in the position” of a woman without contraceptive coverage. As Verrilli pointed out, the underlying aim of the so-called birth control mandate is to ensure that virtually all insured people have access to this benefit as part of their regular insurance coverage for preventative medicine.

"It is precisely the problem," Verrilli said in response to a question from Alito urging a contraceptive-only plan. "It's not a less restrictive alternative, because it has precisely the problem Congress was trying to overcome in the preventive services provision."

Thus, the proposed "fix" for the disagreement in Zubik would leave all of these employees without birth control benefits -- a scenario that would directly contradict Congress' intent.

The consequence of this kind of diminished access is clear when it comes to another medical service that provokes a religious backlash: abortion. The Affordable Care Act doesn't require all health insurance companies to cover abortion, and it prohibits federal subsidies from being applied to that end. Health insurers that want to cover abortion have to "segregate" the funds and pay for that coverage separately.

Prior to Obamacare, abortion was a standard covered benefit in most private health insurance. But state lawmakers have clamped down, and many states now forbid insurance from covering abortion, even for women who don't receive federal subsidies for their insurance.

As a result, health insurance coverage for abortion is now more limited than before the ACA. A ruling in Zubik v. Burwell that eliminated contraceptive coverage for workers at employers like the Little Sisters would similarly leave women paying out of pocket for birth control, because there would be no alternative. 
After Sotomayor's effort at correcting Roberts on the facts, the chief justice seemed to want more clarification from Verrili. “Is that true with every policy sold on the exchanges?” he asked.

The answer was obviously yes. But Roberts continued probing and questioning how the exchanges work, apparently unwilling to let go of the idea that somehow a woman could get covered simply by “signing a paper” to get on an insurance exchange. At one point, he even suggested that “constitutional objections” to a faulty law are sometimes what lead to its improvement.

Roberts wasn’t alone. Kennedy also latched onto the idea that it's "so easy" and "so free" to sign up for a contraceptive-only plan, and likened a religious employer's providing contraception to “subsidizing conduct that they deemed immoral.”

Alito at one point suggested that women who work for small employers, and who thus must buy policies on the exchanges, somehow “frustrate” the government’s desire to give all women access to free contraception. Verrilli set him straight immediately.

“No,” Verrilli said flatly, “because in that circumstance... the only option that that employee has is to buy an individual policy on the exchange. And that individual policy will contain the contraceptive coverage from your regular doctor as part of your regular health care.”

-- 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 18 hours ago.
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