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Health insurers will soon be required to cover treatment for opioid addicts

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At the start of 2017 health insurance plans will be required to cover treatment services provided to New Yorkers addicted to opioids. Legislation signed earlier this year by Gov. Andrew Cuomo also calls for increased access to treatment programs and treatment medication, use of a state-approved criteria to determine the level of care needed, expanding community prevention strategies and limiting the over prescribing of opioids in New York. These new insurance-related protections are the final components… Reported by bizjournals 9 hours ago.

The Republican New Year’s Resolution: Destroy Medicare

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New Year’s is a time for resolutions. Consistent with this tradition, powerful Republicans have made clear that they are resolving, in the New Year, to dismantle Medicare, ending it as we know it.

Speaker of the House Paul Ryan has said that destroying Medicare is part of the Republican plan to repeal Obamacare, another Republican resolution for 2017. And Representative Tom Price, powerful chairman of the House Budget Committee, Ryan ally, and likely next Secretary of Health and Human Services, has explained that the Republicans will enact Medicare legislation in the first six to eight months of 2017, since it is probably too big a task to include it in the planned January repeal of Obamacare.

These Republicans are people who carry through on their New Year’s resolutions. In discussing the goal of destroying Medicare in the New Year, Ryan explained, “With a unified Republican government, we can actually get things done.”

These Republicans never say, straightforwardly, that their plan is the repeal and replacement of Medicare. Because of Medicare’s overwhelming popularity, Republicans hide their true intentions behind euphemisms about “saving” it. But no one should be fooled. Their idea of saving Medicare is to destroy it, just as, during the Vietnam war, a U.S. military officer explained, “It became necessary to destroy the town to save it.”

The truth is that Medicare doesn’t need saving. There is no question that, as the wealthiest nation in the world at the wealthiest moment in our history, the United States can afford not just today’s Medicare, but a greatly expanded Medicare. In 1965, when Medicare was enacted, the nation’s Gross Domestic Product was, in real terms, a quarter of what it is today ($4.1 trillion in 1965 versus $16.7 trillion today.) Moreover, Medicare covers the most expensive part of the population – seniors and people with disabilities. Covering the rest of us is easier and cheaper.

Indeed, other industrialized countries spend a small fraction of what the United States spends on health care with better outcomes, despite older populations. Japan, for example, has a much older population than we do, and theirs is aging more rapidly than ours. In 2010, seniors represented 23 percent of the Japanese population, but just 13 percent of the U.S. population. In 2050, American seniors will compose just under 21 percent of the population ― less than Japan’s percentage of seniors today! Yet, the United States today spends three times more per capita than Japan on health care. Despite the additional spending, our health outcomes are worse. Indeed, Japan’s average life expectancy is more than four years longer than that of Americans!


If we want a health care system in this country that provides everyone with access to the best medical care possible at the lowest possible cost, the way to achieve that is not to end Medicare, but to expand it.

The Republican plan to destroy Medicare will make American costs and health outcomes worse. Despite Medicare covering the most expensive part of the population, it is much more efficient than the rest of the American health care system. Japan and other industrialized countries have what amounts to Medicare for all. No other nation has the crazy patchwork system we have, which includes employer-sponsored private insurance, means-tested insurance, and individual private insurance, in addition to government-run Medicare.

Ryan proposes to make the patchwork system even more of a hodgepodge, with less coverage and higher costs. He wants to end Medicare as we know it and, instead, simply give seniors and people with disabilities fixed cash stipends to fend for themselves, unprotected, on the private market. But before the enactment of Medicare, many seniors and people with disabilities couldn’t get health insurance at any price. And those that managed to find an insurance company willing to cover them paid much higher prices than other Americans.

So why do the Republicans want to destroy Medicare and make our health care system less efficient and more expensive, with less coverage and poorer outcomes? Ideology, pure and simple. Republicans believe that the private sector is always superior to the government. But there are some things the government does better than the private sector. And Medicare is one of them.

Insurance is most inexpensive when everyone is covered under the same plan as the result of mandatory coverage. Only the federal government has the power and the ability to cover everyone, spreading the risk and responsibility as broadly as possible. Indeed, we should be expanding Medicare, not destroying it.

But, driven by ideology, Ryan and his fellow Republicans want to end Medicare as we know it. Ryan proposes to raise the initial age of eligibility for Medicare from its current age 65 to age 67, and to simply give everyone now under the age of 55 cash to buy insurance on their own, eliminating the efficiency of a single, large risk pool.

While those now on Medicare may think that they will be spared, they are wrong. Republicans always say, about their efforts to end Social Security and Medicare, that those aged 55 and over will not be affected, because those politicians recognize that seniors are most concerned about the programs and they vote. This assurance, of course, is insulting, because it assumes seniors are only concerned about themselves and not their children and grandchildren.

Moreover, the blatant assurance is not even true. Many Republican Social Security proposals cut current beneficiaries’ cost of living proposals. And, in the case of Medicare, the impact on current beneficiaries is likely to be even more substantial. If Ryan and his fellow Republicans have their way, Medicare will become increasingly expensive per enrollee, covering an aging and shrinking group, with high medical costs. As the group shrinks, they will have less and less political clout. Everyone not on traditional Medicare, will, by that time, be forced to fend for themselves with private insurance companies. It is extremely foreseeable that at some point, someone will propose treating this very old, small, and expensive population like everyone else. And then their Medicare will be gone, as well.If we want a health care system in this country that provides everyone with access to the best medical care possible at the lowest possible cost, the way to achieve that is not to end Medicare, but to expand it. That, indeed, was the idea of the program’s founders. They saw Medicare as simply a first step, to be followed soon after by expanding it to include all children, and then more and more of the population, until the United States had Medicare for All.

We should follow that wise plan. As a next step, we should lower the initial age of Medicare eligibility, when people can first claim Social Security retirement benefits, from age 65 to 62. We certainly should not raise the age to 67 and then end the program as we know it, as the Republicans resolve to do. Unfortunately, they are now in control of all branches of government, and so have the political power to do what they want.

To stop them, I urge everyone who is old or hopes to be old someday to make your own Medicare resolution for 2017. Tell your elected leaders: Hands off Medicare except to expand it. And ask your friends to join you. Mobilize and make your voices heard. Then, as a resolution for 2018, we can all resolve to elect leaders who listen to us and have the good sense to expand, not destroy, Medicare.

-- 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 6 hours ago.

Health eDeals Open for Regional Sales Representative and Leadership Roles in FL, NC, VA, PA

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IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange.

Tampa, FL (PRWEB) December 30, 2016

IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange. With health care a hot topic nationally and increased demand in health insurance advisors, IHC-SB is seeking candidates to fill area sales representatives and regional leadership positions as quickly as possible in Mid-West states.

According to Daniel F. Borrero, a national leader for Health eDeals, "I take pride in serving American entrepreneurs, self-employed individuals and their families in local communities. Specializing in affordable health and life insurance plans mean taking a consultative approach with customers to ensure their specific needs are listened to and met with the best product offering for them and their family."

Founded on strength in integrity-driven sales from leadership teams to area sales force, the company, formerly known as Independent Producers of America, or IPA-Family, recently became a part of Health eDeals.

"For us, it is about serving others while earning significant wealth for today, tomorrow, and well into retirement," said Dave Keeler, Senior Vice President of Business Development. "At Health eDeals, you have a true opportunity to be in business for yourself but not by yourself."

Qualified candidates will possess the following attributes: an ability to make decisions and solve problems, active listening skills, critical thinking skills, sales experience, strong time-management skills and, most importantly, a proclivity to operate with the highest ethical standards. Selected candidates will be provided with a complete and comprehensive program that promotes their personal and professional success. This includes, but is not limited to, the following:· Compensation programs
· Residual income and monthly bonus
· Lifetime vesting schedules
· Wealth accumulation plan
· Free qualified sales leads and lead-management systems
· Ongoing training and business education using state-of-the art technologies
· Many other performance-based programs and incentives

“At Health eDeals, we know that our success hinges on our ability to hire top producers and experienced sales leaders,” said Mark Hunt, Senior Vice President of Sales for Health eDeals. “Whether your knack is to work as a virtual agent with the opportunity to work from any region, or prefer to be out in the field, we have a place for you.”

To be considered for one of the select positions and participate in a professional and confidential interview process, candidates may submit their resume to http://Careers.HealtheDeals.com/Join. For more information about Health eDeals, please visit http://Careers.HealtheDeals.com.

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About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

“IHC” and “The IHC Group” are the brand names for plans, products and services provided by one or more of the subsidiaries and affiliate member companies of The IHC Group (“IHC Entities”). Plans, products and services are solely and only provided by one or more IHC Entities specified on the plan, product or service contract, not The IHC Group. Not all plans, products and services are available in each state. Reported by PRWeb 7 hours ago.

Health insurers now required to cover treatment for NY opioid addicts

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At the start of 2017, health insurance plans will be required to cover treatment services provided to New Yorkers addicted to opioids. Legislation signed earlier this year by Gov. Andrew Cuomo also calls for increased access to treatment programs and treatment medication, use of a state-approved criteria to determine the level of care needed, expanding community prevention strategies and limiting the over prescribing of opioids in New York. These new insurance-related protections are the final… Reported by bizjournals 6 hours ago.

Obama Will Meet With Congressional Democrats On Strategy To Block Obamacare Repeal

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WASHINGTON ― President Barack Obama will huddle with House and Senate Democrats next week to strategize on how best to protect the Affordable Care Act.

Republican lawmakers plan to take up a repeal of Obamacare as soon as Congress returns in January. 

“Next week, Republicans in Congress will once again turn to repealing a law that’s provided coverage to 20 million uninsured Americans, extended consumer protections to many millions more, improved the quality of care offered by our health professionals, and helped slow the growth of health care costs,” a White House official said in a statement. “In light of this, on Wednesday, January 4, President Obama will visit a meeting of the House and Senate Democratic Caucuses.”

The official added that Obama will thank the members for helping advance the health care system. 

“He will discuss the work still left to do, including the ideas he has put forth to strengthen the Affordable Care Act (ACA). And he will share his perspective about the dangers posed by Congressional Republicans’ stated strategy to repeal the ACA before proposing any replacement, creating chaos in the health system in the short run ― and holding hostage Americans’ health care ― while Republicans develop their plan,” the official said. 

A senior Democratic Senate aide confirmed that the meeting would be about the party’s “fight against GOP repeal efforts.”

Democratic leaders have been defiant about Republicans’ chances of pulling off this effort. House Minority Leader Nancy Pelosi (D-Calif.) predicted that Republicans would not repeal Obamacare once they realized how difficult it would be to replace.

“They’re not going to repeal it,” Pelosi said earlier this month. “I don’t think they’re going to repeal the Affordable Care Act.”

In a letter sent to House and Senate Democrats last week, congressional leaders are advising their members to prepare for a national day of action against repeal efforts on Jan. 14 in coordination with governors. House members were directed to plan press events on Jan. 7 to highlight the risks of undoing Obamacare.

Still, the GOP is rushing forward and party leaders are unanimous about scrapping the law. The American people, however, aren’t exactly enthused about the idea, according to a post-election survey by the Henry J. Kaiser Family Foundation. Only about one-quarter of Americans favor fully repealing the Affordable Care Act, while nearly half want to leave it in place or expand it.

As for what guidance Obama may be able to give congressional Democrats about how to stop, or even influence the direction of, the GOP’s repeal-and-delay strategy, that isn’t easy to imagine.

Republicans control both chambers of Congress. Democrats have virtually no tools at their disposal to alter the House’s direction on health care. And in the Senate, Republicans plan to use the budget reconciliation mechanism ― which allows a measure to pass with a simple majority and can’t be filibustered ― to knock out the biggest parts of the Affordable Care Act early next year.

Reconciliation bills are limited to changing laws that affect taxes and spending, which covers key elements of Obamacare. The health care reform law raised taxes on wealthy individuals and health care companies and cut Medicare payment rates to medical providers in order to finance new spending on health benefits.

The GOP’s current plan is to move swiftly on repeal legislation and then spend up to four years developing a consensus on a new set of health care reforms ― an achievement that has otherwise eluded the party for years. But Republicans are already split over how long they’ll spend creating that replacement. Party leaders expect it to take years, but some conservatives are pushing for a replacement to be finished within one year. 

Based on the White House’s description of Obama’s planned visit to Capitol Hill, it seems the outgoing president aims to give his beleaguered party a pep talk and to remind them why they paid such a high political price over the past six-plus years. The Affordable Care Act attempted to fill the biggest hole in the social safety net and succeeded in driving down the uninsured rate to the lowest level ever recorded.

Whatever Obama might have to tell them, congressional Democrats already have laid out their strategy for the Obamacare repeal vote: highlight the human cost of ripping away health coverage from as many as 30 million people, and point to the GOP’s longstanding inability to agree on what they really want to accomplish instead.

Their best hope is that Senate Democrats can use their sizable minority to obstruct GOP health proposals over the next few years and to exert pressure on Republican senators who, looking to their own re-election chances, have concerns about the disruption that would be caused by repealing most of Obamacare without a “replacement” for three to four years.

Democrats can also highlight fresh evidence that the Affordable Care Act is emerging from its initial troubled period and that the health insurance exchanges, where individuals and families shop for coverage and apply for financial assistance, may be improving.

Enrollment during the current period, which ends Jan. 31, appears to be outpacing last year’s, the Obama administration announced this month. And after losses had led insurers, including UnitedHealth Group, to scale back their participation in the exchanges, the financial ratings company Standard & Poor’s recently reported that the financial picture for insurers on the exchanges is getting better.

-- 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 5 hours ago.

2017 Career Opportunities with Health eDeals: Sales Representative and Leadership Roles Available in GA, AL, TN

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With health care a hot topic nationally, resulting in increased demand in health insurance advisors, IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange for positions in GA, AL and TN.

Tampa, FL (PRWEB) December 30, 2016

With health care a hot topic nationally, resulting in increased demand in health insurance advisors, IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange for positions in GA, AL and TN.

Formerly Independent Producers of America, or IPA-Family, recently joined Health eDeals, and continues to operate on the tenets of strength in integrity-driven sales from leadership teams to area sales force.

Russell Winn, a national leader for Health eDeals stated, "If you are looking for an opportunity to be in business for yourself but not by yourself with the ability to earn significant wealth, Health eDeals is a career opportunity to consider."

Qualified candidates will possess the following attributes: an ability to make decisions and solve problems, active listening skills, critical thinking skills, sales experience, strong time-management skills and, most importantly, a proclivity to operate with the highest ethical standards. Selected candidates will be provided with a complete and comprehensive program that promotes their personal and professional success. This includes, but is not limited to, the following:
➢    Compensation programs
➢    Residual income and monthly bonus
➢    Lifetime vesting schedules
➢    Wealth accumulation plan
➢    Free qualified sales leads and lead-management systems
➢    Ongoing training and business education using state-of-the art technologies
➢    Many other performance-based programs and incentives

“At Health eDeals, we know that our success hinges on our ability to hire top producers and experienced sales leaders,” said Mark Hunt, Senior Vice President of Sales for Health eDeals. “Whether your knack is to work as a virtual agent with the opportunity to work from any region, or prefer to be out in the field, we have a place for you.”

For more information about Health eDeals, please visit http://Careers.HealtheDeals.com. Candidates can also submit their resume to http://Careers.HealtheDeals.com/Join to be considered for one of the select positions.

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About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

“IHC” and “The IHC Group” are the brand names for plans, products and services provided by one or more of the subsidiaries and affiliate member companies of The IHC Group (“IHC Entities”). Plans, products and services are solely and only provided by one or more IHC Entities specified on the plan, product or service contract, not The IHC Group. Not all plans, products and services are available in each state. Reported by PRWeb 4 hours ago.

Health eDeals Expands Opportunities in AZ, NV, NM, MO for Sales Representative and Leadership Roles

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Expanding its presence in the South-West states, IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange.

Tampa, FL (PRWEB) December 30, 2016

Expanding its presence in the South-West states, IHC Specialty Benefits (IHC-SB) announced today new career opportunities at Health eDeals, its award-winning private exchange.

The company recently joined forces with Independent Producers of America, or IPA-Family, which has strong national sales force built on integrity-driven sales from leadership teams to area representatives serving consumers with affordable health insurance options.

According to Paige Mattice, a national leader for Health eDeals, "I'm building my future, I'm building my retirement plan, I'm going to be able to live off of my residuals even after I'm retired and I'm excited about that! I've never had that kind of career opportunity before!"

Qualified candidates will possess the following attributes: an ability to make decisions and solve problems, active listening skills, critical thinking skills, sales experience, strong time-management skills and, most importantly, a proclivity to operate with the highest ethical standards. Selected candidates will be provided with a complete and comprehensive program that promotes their personal and professional success. This includes, but is not limited to, the following:· Compensation programs
· Residual income and monthly bonus
· Lifetime vesting schedules
· Wealth accumulation plan
· Free qualified sales leads and lead-management systems
· Ongoing training and business education using state-of-the art technologies
· Many other performance-based programs and incentives

“At Health eDeals, we know that our success hinges on our ability to hire top producers and experienced sales leaders,” said Mark Hunt, Senior Vice President of Sales for Health eDeals. “Whether your knack is to work as a virtual agent with the opportunity to work from any region, or prefer to be out in the field, we have a place for you.”

Interested candidates are encouraged to submit their resume through http://Careers.HealtheDeals.com/Join. Additional information about Health eDeals can be found at http://Careers.HealtheDeals.com.

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About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

“IHC” and “The IHC Group” are the brand names for plans, products and services provided by one or more of the subsidiaries and affiliate member companies of The IHC Group (“IHC Entities”). Plans, products and services are solely and only provided by one or more IHC Entities specified on the plan, product or service contract, not The IHC Group. Not all plans, products and services are available in each state. Reported by PRWeb 4 hours ago.

As Obamacare deadline looms, Illinois sign-ups still solid despite uncertainty

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With the deadline approaching, about 144,181 Illinois residents — including 108,238 in the Chicago area — had signed up for health insurance through the Obamacare exchange as of Sunday.

Americans have until the end of Thursday to sign up for coverage that begins Jan. 1. Those who miss that cutoff... Reported by ChicagoTribune 4 hours ago.

If you have employer health insurance, an Obamacare repeal will affect you too

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One of the first things Tracy Trovato did — once she overcame the shock of learning her 42-year-old, marathon-training husband had leukemia — was look through their health insurance documents.

She dug up one paper that said the plan would pay no more than $1 million for medical services in a lifetime.... Reported by ChicagoTribune 4 hours ago.

Venture capitalists see promise after tight year for startups

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[...] the technology world has high hopes that 2017 will prove to be brighter, as the parent company of Snapchat and other high-fliers prepare to go public and venture capitalists amass huge new war chests. Startups have tightened their belts, laying off staff and focusing more on reaching profitability rather than skyrocketing user growth. Just 12 companies joined the unicorn club, according to data provider CB Insights, a 70 percent drop from 2015. [...] initial public offerings — one of the primary ways that investors in startups can harvest their gains — tumbled sharply during 2016 amid uncertainty and tumult in the stock market. Both hedge funds and big mutual funds, which have been among the most enthusiastic new backers of new private companies, continued to largely show reluctance in venture investing, according to CB Insights. [...] a few of Silicon Valley’s most prominent startups suffered significant blows in the past year. Zenefits, a San Francisco business software startup, replaced its CEO after it was found to be using unlicensed health insurance brokers and software that allowed them to cheat on state tests. In April, investor Bill Gurley of Benchmark Capital warned that the sheer amount of money sloshing around Silicon Valley and other tech hubs was propping up weaker firms and potentially harming returns. Reported by SFGate 1 day ago.

Retired coal miners still face uncertain future for health-care benefits

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WASHINGTON — John Leach has spent the holidays wondering how he’d come up with nearly $400 a month to pay for health insurance. Leach worked in Peabody Energy coal mines in western Kentucky for 23 years and, like all miners who belonged to the United Mine Workers of America, thought he was gua... Reported by Raw Story 20 hours ago.

Weekly Address: Working Together to Keep America Moving Forward

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In this week’s address, President Obama reflected on the significant progress we’ve made since he took office in 2009. Over the past eight years, we’ve turned the recession into recovery; 20 million more Americans have health insurance; we’ve brought 165,000 troops from Iraq and Afghanistan; we took out Osama bin Laden; and we brought nearly 200 nations together around a climate agreement that could save the planet for our kids. The President reminded us that this extraordinary progress wasn’t inevitable -- it was the result of tough choices, and the hard work and resilience of the American people. It will take all of us working together to sustain and build on all that we’ve achieved -- that’s how we keep America moving forward.

Transcript | MP3 | MP4 Reported by The White House 13 hours ago.

Public Wary Of GOP Plan To Repeal Obamacare Without A Replacement, Poll Shows

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Americans have complicated feelings about Obamacare, according to a new poll, with voters divided over whether to keep the law, but only a minority supporting the Republican strategy of trying to eliminate it quickly.

The poll, which the Henry J. Kaiser Family Foundation conducted in December, finds the public almost evenly split on whether to repeal the Affordable Care Act ― 49 percent want repeal, 47 percent do not. Those numbers have a partisan tint, as most Republicans favor repeal and most Democrats oppose it.

But even many Republican voters seem unenthusiastic about eliminating the law before Congress crafts a replacement, as House Speaker Paul Ryan (R-Wis.) and other GOP leaders have proposed. Overall, according to the poll, just 20 percent of Americans say that is their preferred strategy for eliminating Obamacare.

 The survey also says 62 percent of Americans think it’s important to guarantee access to health care, even if that means bigger government or more federal spending. That’s more or less what Obamacare has done, by using government programs to help more than 20 million people get health insurance.

By contrast, just 31 percent say it’s more important to limit federal spending, reduce the reach of government, or give states more power. Republicans have emphasized all three goals in their calls to repeal the law.

Kaiser has been tracking public opinion on the Affordable Care Act monthly since it became law in 2010. At first blush, the results from December seem at odds with results from November, when only a quarter of respondents said they supported full repeal, while three-quarters said they preferred some other option ― scaling back the law, keeping it as is, or strengthening it.

But Liz Hamel, Kaiser’s director of public opinion and research, told The Huffington Post that the shift was largely a function of wording poll questions differently. In the most recent survey, she explained, Kaiser decided to focus specifically on how the public feels about repealing the law before replacing it.

Overall, Hamel said, “There’s a group – somewhere between 20 and 25 percent – that just wants to get rid of the entire thing, another group – between 25 and 30 percent – that doesn’t like the law, but doesn’t want it taken away without something to replace it, and about half who don’t want it repealed, which is consistent with our earlier polling.”

Of course, that doesn’t mean public sentiments are static. In fact, the Kaiser poll also tested whether respondents felt differently about repeal options after hearing arguments for or against.

Sure enough, a portion of respondents who originally said they opposed repeal changed their minds after hearing that the law had increased premiums for some consumers. At the same time, a portion of respondents in favor of repeal took back that opinion after hearing that the number of uninsured would rise as a result.

Those results suggest that public opinion remains in flux, depending on how politicians and the media shape the conversation.

Kaiser’s poll, based on a nationally representative random-digit dial telephone sample of 1,204 adults, comes with a margin of error of plus or minus 3 percentage points for the entire sample.

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

N.Y. estimates $3.7 billion loss from Obamacare repeal

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About 2.7 million New Yorkers would lose health insurance, according to Gov. Andrew Cuomo.

 
 
 
 
 
 
 
  Reported by USATODAY.com 1 day ago.

The Latest Release of Ez1095 2016 ACA Software Offers Unlimited Filing For Business Owners

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The latest release of 2016 ez1095 software provides unlimited filing capability at no additional charge. Visit http://www.halfpricesoft.com at no cost or obligation to test drive for up to 30 days.

Chicago, IL (PRWEB) January 06, 2017

Business owners filing 1094 and 1095 ACA forms are accommodated with new ez1095 2016 (ACA) software from Halfpricesoft.com. The latest release offers business owners unlimited printing at no additional cost which makes the application affordable for small to midsize business owners that qualify for processing these forms.

Ez1095 will print 1095C, 1094C, 1095B and 1094B forms paper printing, pdf printing and efiling for the upcoming tax season (efiling is an additional charge). The application has been implemented and approved by the SSA to print on plain white paper, saving form costs.

Ez1095 ACA software is compatible with Windows 10, 8.1, 8, 7, Vista and other Windows system. Its quick data import feature saves customers valuable time and speeds up tax form filing.

“ez1095 2016 ACA form reporting software has been released as a desktop version for higher security and peace of mind,” said Dr. Ge, the founder of Halfpricesoft.com.

Developer’s created ez1095 software to adhere to the requirements by the government to file forms 1094 and 1095 starting in 2016. ez1095 software’s graphical interface allows customers to set up company, add employees, add forms and print forms soon after download. Customers can also click form level help links to get more details regarding the software.

Potential customers can download and try this software at no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

Paper print version includes-
ACA filing for 2017
Paper print form
PDF printing for for ACA return and correction

Efile Version includes-
Paper form print & PDF print
Generate XML eFile documents for testing, production original, replacement & correction
Validate XML documents

Multi-user efile version includes-
All Single-user Efile version features
Network: Multiple users can share data if needed

General features include-· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance
· Print Form 1094 C: Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns
· Print Form 1095-B: Health Coverage
· Print Form 1094-B: Transmittal of Health Coverage Information Return
· Print recipient copies in PDF format.
· Support unlimited companies.
· Support unlimited number of recipients.
· Fast data import feature
· Print ACA forms 1095 and 1094 on blank paper with inkjet or laser printer.
· Print unlimited number of 1095 and 1094 forms.

Priced at just $195, ($295 for efile version) this ACA forms filing software saves employers time and money. To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com

Founded in 2003, Halfpricesoft.com has established itself as a leader in meeting the software needs of small businesses around the world with its payroll software, employee attendance tracking software, check printing software, W2 software, 1099 software and barcode generating software. It continues to grow with its philosophy that small business owners need affordable, user friendly, super simple, and totally risk-free software. Reported by PRWeb 2 days ago.

It’s ‘taken worry away’: Trump voter says he hopes Trump doesn’t take away his Obamacare

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Given that well over 60 million people voted for Donald Trump in 2016, it stands to reason that some of those voters are also people who benefit from Obamacare. On such voter is Bob Ruscoe, who tells CNN that he hopes Trump really thinks carefully before ripping away health insurance from the tens o... Reported by Raw Story 1 day ago.

We Can Only Afford One, So Choose Wisely: Social Security/Medicare, Cartel Cronyism Or Inflation (Central Banking)

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We Can Only Afford One, So Choose Wisely: Social Security/Medicare, Cartel Cronyism Or Inflation (Central Banking) Submitted by Charles Hugh-Smith via OfTwoMinds blog,

Here's the problem with central banks seeking higher inflation: costs go up but wages don't.

*It's easy to quantify the annual cost of Social Security/Medicare, and not so easy to calculate the cost of Cartel Cronyism and Central Bank-created inflation.* Cartel cronyism is a hidden tax on the entire economy, as is Central Bank-created inflation.

That makes it easy for the financial-political Oligarchy to continue their skimming operations, because nobody says *Cartel Cronyism cost us $1 trillion last year, and central bank skimming (inflation) cost us another $1 trillion.*

*The stark reality is there are limits on what we as a nation can afford in the long term.* Borrowing trillions of dollars annually at low rates of interest creates a magical-thinking illusion that we can just tack on another $10 trillion, or what the hay, make it $100 trillion, and get away with it, because we've gotten away with it so far.

*This leaves us an equally stark choice:* we can only afford one of these three crushing costs:

*1. Limited Social Security/Medicare* (no nation can afford unlimited anything, including healthcare)

*2. Central bank inflation/credit expansion.* All central banks desperately want higher inflation, which acts as an economy-wide tax on wage earners whose incomes are not rising along with inflation.

*3. Cartel Cronyism* You know the drill: regulatory capture, monopolies enforced by the central state, cartels that eliminate competition via absurdly complex regulations imposed by the state, etc.

Correspondent J.I. (M.D.) recently sent me an example of cartel cronyism in the Big Pharma sector:

A lot of people don't know that if a Big Pharma company makes a pill with a new dose, or new method of administration of an old, generic drug - in the eyes of the FDA it becomes a new, on-patent drug, which no other Big Pharma company can copy, thus setting the stage for making billions with minimal R&D costs.

Naloxone was invented in 1961, and was in standard use when I started my medical training in 1974. It is a terrific drug - within 60 seconds it completely reverses the effects of narcotics, making it a life-saver for folks who've overdosed. I have used it many times with great success. So far, so good. Per goodrx.com, I can buy two pre-loaded syringes of naloxone for $34.12 today. There is virtually zero learning curve - it works if injected under the skin, in a muscle, or in a vein. For an untrained person facing an overdose patient, you can just stab the needle up to the hilt into a buttock or shoulder, and push the plunger - it's that easy. If it's truly life or death, you can stab it through clothes - sound hard?

Well, kaleo pharmaceuticals have repackaged it in an auto-injecting form, with a little voice-guided thingy - somehow managed to make it a no-copay for folks with health insurance, and you can get it in my area for - are you sitting down? - $3,844.60! That is more than one hundred times the cost of the two pre-loaded syringes.

It MIGHT be worth it if it was really hard to use, and required an auto-injector and voice commands - but it's easy as pie - I could teach you how to use the pre-loaded syringe in 5 minutes. At a savings of $3,810.48."

The advert claims "$0 copay for commercially insured patients". So as long as somebody else pays the $3,844.60--insurers, the government, anybody but the patient--it's all "free," right?

*Well, actually, no.* The soaring cost of cartel cronyism is paid by all of us when the federal government borrows money to pay the bills or insurers are nailed for fraudulent charges, overbilling, needless tests and Big Pharma's 100-fold cost increases.

*Medicare costs are expanding at a rate that far exceeds the GDP growth of the economy which supports Medicare spending.*

There is only one end-game to this chart: bankruptcy of the federal state and the nation.

*Here's your central bank in action:* credit growth has outstripped tepid GDP growth of the real economy that has to pay interest on all that new debt.

*Here's the problem with central banks seeking higher inflation:* costs go up but wages don't. So wage earners become poorer, and have to trim spending or borrow more to get by or maintain their lifestyle.

*So choose wisely, America--you can only afford one:* entitlements with some limits, cartel cronyism or central bank credit expansion/inflation.

If you're having trouble making the choice, start by asking of each option: cui bono--to whose benefit? Reported by Zero Hedge 1 day ago.

UnitedHealth Stock Split: Is It Coming in 2017?

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It's been a dozen years since the health insurance giant last did a stock split. Find out why 2017 could be the year that streak ends. Reported by Motley Fool 1 day ago.

Republican Attempt To Repeal Obamacare Puts People With HIV At Risk

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Scientists have shown conclusively that treatment not only improves the health of people infected with HIV, it also stops transmission of the virus that causes AIDS.

That public health issue is just one of the challenges Republicans face as they attempt to overhaul the Affordable Care Act, a law that brought health insurance coverage to some 20 million people - including tens of thousands of Americans living with HIV.

Lawmakers are currently considering repealing the massive 2010 U.S. health reform law known as Obamacare as soon as this month.

But the roadmap is tentative, and complicated: it would keep the Medicaid expansion and the new individual insurance plans in place and delay major changes for up to three years. This would give Republicans more time to craft a replacement plan, but it is not clear if individual insurance prices would skyrocket during the delay or what the new coverage will look like.

HIV experts are among the groups, including insurers and hospitals, that have started lobbying lawmakers. They want to keep the current level of insurance coverage in place and say that even “repeal and delay” would disrupt care, put patients in jeopardy and increase the risk of transmission of a deadly communicable disease.

Republicans will have the added worry of reducing coverage for an infectious disease that once represented certain death, but now can be controlled with daily medications that also keep the disease from spreading.

“The evidence is iron-clad that when people with HIV are treated and their viral load is suppressed, their likelihood of transmitting HIV goes down to almost zero,” said John Peller of the AIDS Foundation of Chicago. “So, any kind of interruption in care is going to result in more cases of HIV.”

In Illinois, one in three people with HIV gained coverage through Medicaid expansion or the new individual insurance plans created under the ACA, according to an analysis compiled for Reuters by the AIDS Foundation of Chicago.

The number of HIV-positive individuals covered by Medicaid in Illinois rose by more than 50 percent between 2013 - the year before the new healthcare coverage went into place - and 2016, when 13,694 people with HIV were enrolled.

HIV experts in Republican states have already been wrestling with the issue of caring for patients with HIV. Earlier this year, North Carolina became the 48th U.S. state to permit the use of federal grant money via the Ryan White HIV/AIDS program to pay insurance premiums for people with HIV.

“We’re late to the party, and now the party may be over,” said Allison Rice, director of the Health Justice Clinic at Duke University School of Law in Durham.

Insurers, including UnitedHealth Group (UNH.N) and Aetna (AET.N), pulled out of Obamacare exchanges for 2017. The plans are offered to everyone regardless of their health and cover everything from routine check-ups and emergency room visits to organ failure and cancer, and insurers said costs of doing that were higher than expected.

Policy experts say the delay to an Obamacare replacement may give insurance companies little incentive to stick with the Obamacare individual insurance plans. Insurance companies have asked lawmakers to keep subsidies in place and make changes they hope will help stabilize the market, such as delaying deadlines for 2018 plan submissions.

“It creates a really difficult environment for insurers to commit to the market,” said Carmel Shachar of the Center for Health Law & Policy Innovation at Harvard.

Shachar co-wrote a letter signed by 174 national, state and local HIV organizations urging members of the senate not to repeal or modify the Affordable Care Act without a clearly defined replacement plan.

That was followed by a letter on Tuesday sent by more than 950 HIV medical professionals urging Congressional members not to repeal the Affordable Care Act without a viable replacement plan, and to sustain the federal commitment to the Medicaid program.

“In most states, prior to the ACA, low-income patients with HIV were denied Medicaid coverage until they became sick and disabled, and did not have the resources to participate in health savings accounts,” the group, which included the HIV Medicine Association, said in a statement.

America’s Health Insurance Plans in December said an immediate repeal of federal support - particularly federal cost-sharing programs and Medicaid expansion - would jeopardize care for millions of Americans and disrupt market stability.

Vice President-elect Mike Pence told Republican lawmakers on Wednesday the transition team is “mindful of disrupting the market,” but signaled that a replacement plan would not be in place at the time the law is repealed.

“The first order of business” was to “repeal and replace Obamacare,” Pence told a news briefing, adding that “the architecture of the replacement” would come together “in the weeks and months ahead.”

MEDICAID EXPANSION BOOSTS COVERAGE

Before the ACA was passed, only about 13 percent of people with HIV had private health insurance and 24 percent had no coverage at all, according to the Department of Health and Human Services.

Medicaid, which provides insurance for low-income individuals, is the largest source of insurance coverage for people with HIV, covering more than 40 percent of HIV-positive individuals, Kaiser Family Foundation estimates.

In the 31 states plus the District of Columbia that expanded Medicaid under ACA, the law eliminated rules that prevented all but pregnant women and the disabled from gaining coverage.

“Obviously, not every state expanded Medicaid, but for the vast majority that did, this was the single most significant piece of the Affordable Care Act for people with HIV,” said Amy Killelea of the National Alliance of State & Territorial AIDS Directors (NASTAD).

Another 25 percent of people with HIV are covered by Medicare, the U.S. insurance program for the elderly and permanently disabled.

Nationwide data on how many of the 1.2 million HIV-positive individuals in the United States gained coverage through the ACA are still being tallied, said Kaiser health policy analyst Jennifer Kates. But policy experts say the impact has been dramatic.

“A lot of what the ACA did that is kind of below the radar is incredibly important to people living with HIV,” said Matthew Kavanagh, a policy analyst at Health Global Access Project in Washington.

Before the Affordable Care Act, he said, people living with HIV “had huge problems accessing medications and insurance.”

In non-expansion states, many people with HIV got their insurance premiums for Obamacare plans paid through the Ryan White program, a federal grant program established after the death of the Indiana teen in 1990 of AIDS. The program funds AIDS Drug Assistance Programs (ADAP), which pay for AIDS drugs and insurance premiums for people who are uninsured and underinsured.

“It’s the main safety net below Medicaid, below Medicare, below private insurance,” Kates said.

Even if the Affordable Care Act were repealed in full, Ryan White would be there as a safety net, but the program has a fixed budget each year.

In the past, that has resulted in waiting lists. In September of 2011, nearly 9,300 people were on ADAP waiting lists nationwide, NASTAD data show.

Killelea said her group intends to work with members of Congress and the new administration to “underscore the public health and individual health impact” the ACA has had on people with HIV.

“The ACA opened up new choices for people who were frankly uninsurable in the United States prior to the ACA.”

(Reporting by Julie Steenhuysen; editing by Edward Tobin)

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

Obamacare Repeal Could Trap Republicans Into Raising Taxes Later, GOP Senator Warns

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WASHINGTON ― Sen. Bob Corker (R-Tenn.) is worried that getting rid of the revenue increases in Obamacare while maintaining its subsidies will force the Republican Party to raise taxes later on.

“Right now, the track we’re on, the repeal process is going to repeal all the revenues, but keep in place the subsidies for three years,” Corker said at breakfast hosted by the Christian Science Monitor on Friday morning.

That raises the prospect of increasing the annual budget deficit, he added, a result he would like to “overcome.” Corker estimated it would cost $116 billion to keep subsidies for three years without the law’s revenue increases.

“You’re taking $116 billion, by our calculations, and just throwing it into a mud puddle by continuing subsidies without revenue,” he said. “So I hope that what is going to happen over time, over the next few weeks, is that people will deal with this on a fiscally sound basis, too.”

Obamacare, otherwise known as the Affordable Care Act, provides subsidies to low- and middle-income people who purchase health insurance on exchanges created by the law. It pays for those subsidies though a number of different taxes, including a tax on the investment income of wealthy individuals. 

Though Congressional Republicans have already begun drafting legislation to repeal the health care law, including* *its revenue increases, Corker is among a growing group of senators expressing doubts about the pace and nature of the legislative push. He’s also the first to frame it as a recipe for a tax increase down the line.

Corker suggested that if subsidies were extended beyond the three-year period for which he expects Republicans to keep them in place, perhaps as part of replacement legislation, it would put Republicans in a “box canyon” where they “would have to vote for a tax increase” to pay for the subsidies. 

Several Republican politicians have said they are wary of repealing Obamacare without an adequate replacement. Sens. Tom Cotton (R-Ark.), Susan Collins (R-Maine), John McCain (R-Ariz.), Lamar Alexander (R-Tenn.) and Rand Paul (R-Ky.) expressed strong reservations about the so-called repeal and delay strategy favored by other GOP lawmakers.

President-elect Donald Trump has also warned that repealing the law too quickly could prove politically dangerous.


massive increases of ObamaCare will take place this year and Dems are to blame for the mess. It will fall of its own weight - be careful!

— Donald J. Trump (@realDonaldTrump) January 4, 2017


Corker said he supported Trump’s comments, but did not indicate he would vote against repeal unless there was a plan ready to replace it.

“The President-elect’s position is the right position,” he said. “If you look at some of his quotes recently, he continues to offer caution. In fact, during the campaign, he said that the repeal and replacement should take place simultaneously.”

“That, to me, is the prudent course of action,” he concluded.

Jessica Schulberg contributed reporting.

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