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USHEALTH Group, Inc. Wins Gold in the 2016 One Planet Business and Professional Excellence Awards

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Company of the Year: Accounting, Banking, Financial and Insurance

Fort Worth, Texas (PRWEB) January 09, 2017

USHEALTH Group, Inc. announced that it has been named as one of the winners in the prestigious One Planet℠ Awards as Company of the Year in the category of Accounting, Banking, Financial and Insurance. The coveted One Planet Awards is a global premier awards program honoring business and professional excellence in every industry from around the world. Organizations from all over the world are eligible to submit nominations including public and private, for-profit and non-profit, largest to smallest and new start-ups.

USHEALTH Group, Inc. is an insurance holding company based in Ft. Worth, Texas focused on providing innovative health coverage for self-employed individuals and small business owners. The company has experienced unprecedented success, growth and profitability marketing its proprietary line of insurance products in the highly competitive individual health insurance market.

“It’s an honor for USHEALTH to be named a winner by One Planet Awards for this esteemed industry and peer recognition,” said the company’s President and CEO, Troy McQuagge. “This award is a testament to USHEALTH’s commitment to solving the healthcare affordability problem for our customers by providing them with innovative coverage that can grow as their healthcare needs grow”.

About the One Planet Awards    
One Planet Awards recognizes companies for their business and professional excellence. The One Planet Awards honors are currently conferred in categories in sections which include executives, teams, new products and services, PR, Marketing, and Corporate Communications, and organizations from all over the world. Learn more about the One Planet Awards at http://www.oneplanetawards.com and participate.

About USHEALTH Group, Inc.
USHEALTH Group, Inc. is an insurance holding company based in Ft. Worth, Texas focused on providing innovative health coverage for self-employed individuals and small business owners. The goal of USHEALTH is to combine the talents of its employees and agents to market competitive and profitable insurance products, while providing superior customer service in every aspect of the company’s operations. Reported by PRWeb 6 hours ago.

It’s hard to be a small-time family doctor these days, new data shows

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The price of health insurance just keeps going up. Until recently, though, a crucial part of that process was invisible to the public: the negotiations between doctors and insurance companies that determine how much patients are charged. Reported by Denver Post 2 hours ago.

Despite Affordable Care Act uncertainty, Marylanders keep enrolling in health exchange

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Despite concerns about the future of the Affordable Care Act, thousands of Marylanders are still signing up for health insurance through the state's marketplace. The ACA, or "Obamacare," has been a hot topic within the Republican Party for the past several months, as complaints about its impact on the price of health care coverage and calls for the bill's repeal swirl in Congress. Vice President-elect Mike Pence said last week that repealing and replacing the ACA would be the incoming administration's… Reported by bizjournals 8 hours ago.

House Republicans Are Trying To Rush An Obamacare Repeal Vote

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WASHINGTON ― House GOP leaders are forging ahead with a planned Obamacare repeal vote for later this week even as Republicans don’t know the broad strokes of what a replacement might look like ― or whether they even have the votes.

Speaker Paul Ryan (R-Wis.) and Majority Leader Kevin McCarthy (R-Calif.) told members during a Tuesday morning conference meeting that they’d like to vote on a budget resolution instructing committees to come up with a repeal of major parts of the Affordable Care Act by Friday, which would be the first chance they’d have to consider the legislation after it’s cleared the Senate.

House conservatives, particularly members of the Freedom Caucus, have expressed concern over voting on those repeal instructions without a clearer idea of what a replacement would look like, particularly when Republicans would simultaneously be voting to approve the addition of more than $9 trillion in new debt over the next 10 years. GOP leaders argue this budget is just to repeal Obamacare, not to lay out a fiscal blueprint, which is why they took debt projections in line with those from the Congressional Budget Office. But conservatives are worried about the message of rubber-stamping so much new debt.

They’re also worried Republican leaders are rushing a repeal vote without discussing details of their alternative.

On Monday night, the Freedom Caucus emerged from a weekly meeting saying they would urge leaders to delay the vote.

“It’s like saying, ‘I’m going to get in that taxi and make good time, but I don’t know where I’m going,’” said Rep. Mark Meadows (R-N.C.), chairman of the Freedom Caucus. “I want to know where I’m going.”

On Tuesday morning after the conference meeting, however, Meadows was a bit softer about where things stand.

“It is our hope that there will be a lot more specifics that are answered,” he said. “If those specifics are answered, we’re willing to vote today.”

Meadows repeated his call for details on a replacement and the process for that legislation, such as “when are we going to repeal, when we’re going to replace, how long is that process going to take.”

“We just need to make some decisions that perhaps are difficult,” Meadows said, “but we need to go ahead and make those decisions now as a conference.”

Rep. Jim Jordan (R-Ohio), the former Freedom Caucus chairman who still meets with leadership every week as a representative of the group, said there is still a chance House Republicans will delay the Friday repeal vote.

“That’s the calendar, but we’ll be talking about that,” Jordan told The Huffington Post.GOP leadership appears to be seizing on the overwhelming consensus among Republicans that they want to replace Obamacare while ignoring the disagreement over what to replace it with.

The No. 4 House Republican, Conference Chairwoman Cathy McMorris Rodgers (R-Wash.), said Tuesday during a leadership press conference that “no one who has coverage because of Obamacare today will lose that coverage.” She also said Republicans would “protect coverage for people with pre-existing conditions” and that “our sons and daughters can stay on their parents’ health insurance until they’re 26.”

That plan sounds a lot like the current version of Obamacare, though there could be a vast difference between protecting coverage for people with pre-existing conditions and ensuring that their premiums and deductibles don’t skyrocket under a new plan with high-risk pools.

Still, it’s much closer to Obamacare than the plans conservatives seem to favor. If you listen to Freedom Caucus member Rep. Mo Brooks (R-Ala.), Republicans don’t need to do much ― or anything ― after repealing Obamacare because the system before the 2010 overhaul would come back.

“As a matter of law, if there is a repeal, then we revert back to the best health care system the world has ever known, and that’s the health care system America had in 2008,” Brooks said Tuesday.

Pressed that the health care system has dramatically changed in those intervening years, and that millions of people would lose their health insurance and people with pre-existing conditions potentially wouldn’t be offered plans, Brooks said other people would see their cost of insurance drop.

“There are pros and cons to everything,” he said. “So the question is: Do you want to continue to force Americans who work for a living to pay for the health care of those who don’t work for a living or don’t work well enough to pay for their own needs?”

Between those very different ends of the Republican spectrum ― one that generally agrees with the basic tenets of Obamacare, and another that believes the problem of insurers not offering sick people health care plans is that those people don’t work hard enough ― leaders are trying to find 218 votes in the House, and, eventually, 60 votes in the Senate.

But the first step is upheaving the health insurance market with a speedy repeal before Congress can ever hold a hearing.

Laura Barron-Lopez 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 7 hours ago.

How to Find Your Ridiculously Profitable Business Idea

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Most people get really anxious when it's time to start developing ideas for their business.

Lots of people love the idea of brainstorming ideas...but can never actually find an idea that they like enough to execute.

I'm not sure if there's some weird internal test that gets run in our heads that makes us believe an idea isn't "good enough" -- but for whatever reason, it seems like there are two huge problems when it comes to developing an idea:

*1. We don't think we have any good ideas*, so there's nothing we can possibly see succeeding. This is the guy who's always telling you about a new project he wants to start, then you find out 2 weeks later he's already completely abandoned it.

*2. We think we have too many good ideas*, and we are completely confused as to which one we should run with long term. This is the guy who always has 12 projects brewing at the same time, all in various stages of progress, none really doing well.

While these seem to be opposing concepts, they often ensnare us in the same dilemma: half-starting and eventually quitting.

So where SHOULD you be focusing your time and energy?

How do you know if your idea is good enough to "make it."

*First, remember something crucial: *All businesses -- services and products, online or offline-- are a direct response to a problem. The purpose of a business....the only reason it exists, in fact, is to solve a problem.

You should be actively thinking of how you can solve other people's problems. On a day to day basis, you should be thinking about thing you and others around you struggle with...then find ways to solve those headaches through an idea, device, service or piece of software.

Better yet, start pretending you're Olivia Pope and become relentless in your approach to problem solving and "fixing" things.

Coming up with fresh business ideas shouldn't be something that you just do once a year when you need some money. If you want to be an entrepreneur, you must fundamentally change the way you look at the world, always seeking out opportunities to serve other people and get paid in return. With this in mind, your well of creative inspiration will never run dry.

*Here are 4 places I look first when I want to come up with a new business idea quickly:

1) Things you're already good at (hobbies/skills)*

Everybody has SOMETHING that they're good at.

The problem is, most of us take our skills for granted. We don't appreciate the fact that the knowledge and abilities we have at our disposal could be very valuable to someone else.
· Maybe you're bilingual, or you can play an instrument.· Perhaps you know how to organize the HELL out of a closet.· Maybe you're really good at cooking...or building websites.· You mig

ht have even successfully completed a few triathlons.

All of those are things that other people would like to be able do for themselves on a regular basis, but in many cases, can't.

If you've spent considerable time learning to do something -- either in school, as an apprentice, as a hobby or even as a recreational activity -- that time has immense value. Rather than learning to do what you've done or putting in months (or years) of work grinding away, many people will be more than happy to pay you in order to get what they want much more quickly.

You can teach someone else how to do that. Or if you don't want to teach it, you can simply use that skill to provide a service and do the work for them.

*
2.) Things you've done for work

SPOILER ALERT: *"Learned at work" skills are a great place to look when fishing for your first profitable business idea. If you've ever held a job, that's proof you have at least one skill or idea that somebody is willing to pay money for!

Like most people, you may be under the assumption that your hourly wage/salary reflects the actual value of your skills -- but here's the thing: there is no "actual" or innate value of a skill, service or idea.

Washing dishes could be a $7/hour skill...or a $15/hour skill depending on whose plates you're cleaning.

Building a mobile app for your employer could be one of the hundreds of other things you do every year as part of your $60,000 salary.

Your salary doesn't reflect true value, it just reflects your employer's estimation of how much they can afford to pay you after they've accounted for all their expenses + made a healthy profit.

If you have a boss, you're not making as much money as you could be for your time. Period.

*Here's a partial list of all the things taking money out of your paycheck before you even see it:

Recruiting costs* -- the employer has to find you and get your attention. This happens online, at career events or by putting a sign in the window. Every position needs to be filled -- all the way to high level recruitment for senior positions. Costly, to say the least.

*Training* -- it costs money for the materials you'll need to get started. Things like computers, software, uniforms, desks, stupid potted plants, and that ergonomic mouse pad that you didn't ask for with the weird hump by the wrist hump. All that's coming out of your salary. You're welcome!

*Health insurance* -- If you're full time (40 hrs), insurance is costing you, and it's probably more expensive from your employer than it would be to purchase your own.

*Financial programs* -- some companies offer 401K matching programs, stock options and other financial incentives, which are great. But will also cut into your salary in many cases.

*Overhead *-- this includes any physical office space and all the utilities and other recurring costs that come with the building the employer occupies.

*Management and executive salaries *-- yeah...often quite disproportionate.

By the time your salary is up for discussion, it's less about what you're worth and more what they can afford. In some cases, someone working a job that deserves $100,000 is getting $50,000 or less!

The skills you acquire along your journey are yours to use as you wish, at a price that you command.

Now, your job is just to identify which of your on-the-job skills is ripe for the picking, start developing your idea and then find your customers.

Ready to start your business but don't know where to begin? I created this free guide for you to realize your future isn't far off.

*
3.) Things people ask you for
*
Besides the seemingly interminable amount of time spent in school, I think one of the biggest turn offs about a career in medicine would be the relentless questions from well-intentioned civilians looking to "pick my brain" about a medical problem they were having.

"Do you have a quick second...I wanted to get your opinion on something.

[DOESN'T WAIT FOR PERMISSION]

I've been having this weird pain in my chest. It's a bit like indigestion...but it's a little bit sharper. I usually always get it after I eat spicy foods. Any idea what that could be?

[DOESN'T WAIT FOR RESPONSE]

Yeah because I checked on WebMD and they said I should get checked for polyps on my spleen if it doesn't subside in about a week or so.

What should I do for polyps?"

On and on these questions would go. But I guess that's how it goes with many professions, right?

If you have a friend who is an attorney, you might find yourself shooting him a text that says something like, "Can you go to jail for unpaid parking tickets...hypothetically?"

Point here, is that whether you realize it or not, we lean on experts to help us figure things out -- and if people keeps asking you for help, advice or insight in a particular area, there's a good chance that others look at you as the expert or "go-to" in their circle of influence.

You have to start paying more attention to things that people ask you for. If someone asks you to help them with something, your mind should immediately begin assessing whether this is something that could become profitable.

Do you have friends who are always asking you for diet advice?

What about people who are constantly asking your your insight about their relationships?

Maybe friends and family call you to watch their dogs when they go out of town.

Start paying attention to the things that people require of you, then eventually, you'll get paid to do things that you used to do for free.*4.) Things you want to learn
*
After teaching college test prep for a while, my second successful freelance business that I quickly scaled to over $100k was a web design company called Primal Digital -- and guess what? I barely knew anything about web design in the beginning!

The idea started on a whim. I'd already had a bit of success with my first business as an SAT tutor, and I was looking for something that I could do from my house.

I was not an expert by any means. I knew just enough to get a basic one-page site up on Wordpress and that was about it. It's almost embarrassing to think about as I type it now.

I set up my web design company's one-page website with a very fancy theme to give the appearance that I was much more established than I actually was...and proceeded to start posting on popular freelance job boards like Upwork (Elance/oDesk at the time) and a few others.

Within a few hours, I started getting bites for $1,000, $2,000, even $5,000 jobs!

How was I able to get away with this?

My first few clients were happy with to pay me because even though I wasn't a world class expert, I still knew more than they did about building a website.

Remember, for someone who doesn't use computers much outside of google and Facebook, even setting up a basic wordpress blog is a damn near mystical process.

I worked my way up doing simple work, and as my skill set improved, I was able to charge more and more for my services. I essentially paid myself to learn how to build websites.

You could do the same thing easily.

Find a skill or idea that you're a beginner in...but that you want to become really good at. Then gradually improve that skill set and find customers who are willing to pay you as you learn. It's like paying yourself to go to school for something that you actually care about.

You don't have to start as an expert. It's ok if you haven't done this before. You'll get better with time -- and you can get paid in the process.

If you don't know where to begin, I created this free guide for you to realize your future isn't far off.
*******

I hope you enjoyed this article!

-- 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 8 hours ago.

Trump pushes Republicans to repeal Obamacare 'sometime next week'

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Trump pushes Republicans to repeal Obamacare 'sometime next week' President-elect Donald Trump is pushing Republicans to move forward their timetable to repealing the Affordable Care Act (ACA), better known as Obamacare.

According to a report from the New York Times, Trump told the Times' on Tuesday that he wants the ACA immediately repealed and replaced, calling the law a "catastrophic event."

Trump appeared to be pushing back at Republicans who have in recent days suggested delaying a repeal until a full replacement plan is developed. It also flies in the face of a plan by GOP lawmakers to pass a bill that would nominally repeal the bill while delaying actual implementation of the repeal anywhere from two to four years to build a replacement.

According to the Times report, Trump said he wants Obamacare repealed "probably sometime next week" and a replacement to be introduced "very quickly or simultaneously."

This is a massive undertaking given the complexity of the ACA.

A bill is currently in front of Senate committee that would repeal a bulk of Obamacare using the budget reconciliation process and has a deadline for January 27 to bring a full repeal bill to the Senate. 

Five GOP Senators proposed an amendment to the bill on Monday night to extend this deadline to March 3 in order to give lawmakers more time to come to an agreement on a replacement bill.

The leader of the amendment, Sen. Bob Corker, said the delay was to ensure a replacement can be found to ensure that the more than 23 million people who have gained access to health insurance through the ACA do not see a disruption in their coverage.

"By extending the deadline for budget reconciliation instructions until March, Congress and the incoming administration will each have additional time to get the policy right," Corker said in a statement on Monday night.

House Speaker Paul Ryan said in a press conference on Tuesday that Republican leaders wanted to repeal and replace the ACA "concurrently."

*SEE ALSO: The GOP is pumping the brakes on repealing Obamacare*

Join the conversation about this story »

NOW WATCH: Here are some incredible things you didn’t know about Putin's life Reported by Business Insider 6 hours ago.

Obama Health Care Legacy: Coverage, Conflict, and Questions

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Although his signature law is in jeopardy, President Barack Obama's work reshaping health care in America is certain to endure in the broad public support for many of its underlying principles, along with conflicts over how to secure them. The belief that people with medical problems should be able to get health insurance is no longer challenged. The issue seems to be how to guarantee that. The idea that government should help those who can't afford their premiums has gained... Reported by VOA News 5 hours ago.

Donald Trump Joins GOP Lawmakers In Their Repeal-And-Replace Quagmire

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For as long as there has been an Affordable Care Act, there has been a desire, among Republicans, to repeal the Affordable Care Act and replace it with an alternative plan. As far as having something on which to campaign, this has served Republicans in good stead. Ranting about the need to repeal Obamacare has never gone out of style with the GOP base.

The problem has always been with the “replace” part of the equation. For years, the GOP effort to produce an alternate plan has been, to be charitable, a fits-and-starts affair. Since March 2009, the Republican answer to Obamacare has been a Schrödinger’s bill. Or as Jonathan Chait once put it, the Republican replacement plans “reside in a state of quasi-existence, and any attempt to summon them into existence will cause them to disappear.”

But now ― and perhaps to them unexpectedly ― congressional Republicans face the crisis of an incoming presidential administration that will sign their repeal-and-replace bills into law. Which means the zero hour has finally arrived, and Republicans must undertake the dread mission they’ve been putting off.

There are, however, complications inextricably bound to the whims and desires of Donald Trump, who sees the matter in vastly different terms and, more often than one would prefer, communicates his desires in brief Twitter outbursts. Where Republican lawmakers want to act in accordance with their conservative philosophies, Trump operates strictly from the perspective of someone who wants to be loved and acclaimed, and who has won a healthy share of this acclaim largely through his masterful command of the P.R. of the moment. At bottom, Trump craves good publicity, and he’s starting to see the upcoming health care fight as something that might deny him that pleasure.

Since Trump’s election, Republicans in Congress have been debating their options. Faced with the need to do something as quickly as possible, GOP leaders have endeavored to build consensus around a plan to “repeal and delay” ― a process by which the underlying funding for the Affordable Care Act would be scuttled, but the mechanics of the law would be left in place. Then, by backstopping hospitals against financial risk and bailing out insurers during the interregnum so that they continue serving their existing customers (and so that hundreds of news stories about people losing all or part of their coverage are staved off), Republicans would buy themselves some time to, you know, come up with the thing they’ve been promising to deliver for eight years.

But the path to consensus has been fraught, with GOP leadership unable to determine how long precisely to “delay” the replacement (periods as long as four years have been floated) and with a faction of GOP lawmakers vocally opposed to any delay at all. Additionally, one of the more interesting things about the repeal-and-delay plan is that the effort that would need to be undertaken to prevent a calamity of bad publicity would inadvertently do the job of shoring up the existing law at some of its weakest points. And that would sure be ironic, as Chait points out:

Republicans can certainly patch up the exchanges and keep them going during a transition period. All it would require is halting their relentless efforts to blow up the law and start trying to make it work. (“They want to pump money back in to the insurers without appearing like they’re giving them a handout or bailing them out,” one insurance lobbyist explains.) But if they do this, then they’ll have essentially proven that they can fix Obamacare. And if they can fix it, why would they let it expire? Especially when the deadline for the replacement approaches and, inevitably, Republicans have still failed to produce a replacement?

Last week, in a series of tweets, Trump alerted his Republican colleagues to the snare into which they were about to step. “Republicans must be careful in that the Dems own the failed ObamaCare disaster, with its poor coverage and massive premium increases...like the 116% hike in Arizona. Also, deductibles are so high that it is practically useless. Don’t let the Schumer clowns out of this web...massive increases of ObamaCare will take place this year and Dems are to blame for the mess,” Trump wrote. “It will fall of its own weight - be careful!”

This outburst mirrored a longer Wall Street Journal editorial that appeared at the end of December, but it took Trump’s amplifications to convince some Republicans to take these warnings to heart. As “Meet the Press” reported, Sen. Tom Cotton (R-Ark.) was urging a cautious approach a day later, saying, “I don’t think we can just repeal Obamacare and say we’re going to get the answer two years from now. ... When we repeal Obamacare, we need to have the solution in place.”


.@SenTomCotton on Obamacare: "I don't think we can just repeal Obamacare and say we're going to get the answer 2 years from now." #MTPDaily

— Meet the Press (@MeetThePress) January 5, 2017



.@SenTomCotton: "When we repeal Obamacare, we need to have the solution in place." #MTPDaily

— Meet the Press (@MeetThePress) January 5, 2017


And Sen. Bob Corker (R-Tenn.) ― who apparently is among the fortunate few whose calls Trump will pick up whenever they come in ― is suddenly concerned that the GOP’s repeal-and-delay effort will land the Republican Party in a “box canyon,” which actually sounds pretty fun until you find out that “box canyon” is a strained metaphor for “being on the hook for an unexpected tax increase.” As Roll Call’s Niels Lesniewski reports:

Speaking at a breakfast hosted by the Christian Science Monitor, Corker outlined the potential “box canyon” that Republicans could find themselves in if they repeal all of the taxes imposed by the Affordable Care Act on the front end.

If there’s a need to further extend the existing subsidies for lower- income health care recipients beyond the three-year bridge under discussion or if the replacement plan features refundable tax credits down the road, “that means Republicans would have to vote for a tax increase.”

Corker said to the reporters in attendance that the result could be an extension of current policy driven as much by inertia as by anything else.


Lesniewski goes on to report that while Corker understood the “tremendous desire by Republicans to just repeal immediately,” he was more inclined to Trump’s point of view, and he “pointed to comments by Trump that said repeal and replace should be moved simultaneously.”

Days later, it became apparent that Trump’s anxieties were being felt widely among Republican legislators, with a “half-dozen” lawmakers “call[ing] publicly for slowing down the process.” As The Huffington Post reports:

On Monday, five of them put their protests on paper ― by introducing an amendment to the budget resolution that would push back that Jan. 27 date until March 3.

“Repeal and replace should take place simultaneously, and this amendment will give the incoming administration more time to outline its priorities,” Sen. Bob Corker (R-Tenn.) said. “By exercising due diligence we can create a stable transition to an open health care marketplace that provides far greater choice and more affordable plans for the American people.”


And Corker, apparently getting a busy signal from Trump’s phone, was begging the incoming president to please send some clarifications. As Politico reports, Sen. Rand Paul (R-Ky.) let it be known that he had spoken to Trump earlier in the week and had “secured his agreement” to Paul’s demand that repeal and replace happen simultaneously. Trump hadn’t publicly confirmed this, leaving Corker with no other choice than to ask Trump if he would do so: “If it his view, it would be really good if he would consider tweeting it out very clearly.”

It seems insane that Republican lawmakers are begging Trump to tweet them instructions, as if they take their marching orders from an obscure numbers station. But the fact of the matter is that Republicans haven’t had an original thought on what to do about Obamacare in years. The threat of President Barack Obama’s veto pen has always protected them from the consequences of a repeal vote.

As far as replacement plans go, the same lawmakers have been stuck in an endless cycle of proposing bills (always with the same components ― health savings accounts, buying insurance across state lines, tort reform), sending those bills to committee to die, chafing at criticism that their alternative plan doesn’t exist, and rebooting the process anew. On this issue, congressional Republicans have always desperately wanted someone else to call the shots. They live to be led ― and the intermittent messages from Trump’s Twitter account is as good at filling that role as anything else.

But while Trump may have helped his Republican colleagues recognize the trap they were in, it’s anybody’s guess as to whether he can truly lead them out of it. Over the course of the presidential campaign, Trump offered up any number of opinions on what the state of American health care should ideally resemble, but those were restricted to vague principles and few specifics.

For example, in a September 2015 “60 Minutes” interview with Scott Pelley, Trump said that “everybody’s got to be covered” and that “the government’s gonna pay for it.” At a February 2016 GOP primary debate, Trump told the audience, “What I do say is, there will be a certain number of people that will be on the street dying and as a Republican, I don’t want that to happen. We’re going to take care of people that are dying on the street, because there will be a group of people that are not going to be able to even think in terms of private or anything else and we’re going to take care of those people.”

But at other times, Trump has scaled back those promises. In a post-election “60 Minutes” interview with Lesley Stahl, Trump offered that he’d continue to assure that people with pre-existing medical conditions were covered by insurance and to maintain the extended period through which children may remain on their parents’ health plans. Still, as recently as Jan. 3, Trump spokesperson Kellyanne Conway was, on his behalf, making a difficult-to-keep promise. As CNBC’s Dan Mangan reports:

One more time: If you like your plan, you can keep your plan.

A senior advisor to President-elect Donald Trump said Tuesday that after Obamacare is repealed and replaced with different health-care law no one who has health insurance would lose their coverage.

“That is correct. We don’t want anyone who currently has insurance to not have insurance,” the advisor, Kellyanne Conway, said on MSNBC’s “Morning Joe.”


Perhaps Trump’s position is best summed up by a July interview with CNN, in which he said, “[Obamacare’s] gotta go. ... Repeal and replace with something terrific.”

The problem is that everyone has a different idea about what constitutes “terrific.” To Trump’s legislative partners, that means plans with high deductibles and threadbare benefits that mostly offer catastrophic coverage, subsidized by health savings accounts ― unless, of course, you or your employer are able to afford something better.

What would be terrific from the point of view of Trump voters? Well, in a New York Times op-ed last week, the Kaiser Family Foundation’s Drew Altman reported on a series of focus groups conducted with Rust Belt Trump voters who are either on Medicaid or enrolled in insurance plans through the Affordable Care Act. Their responses were very interesting.

Among their chief complaints were “rising premiums, deductibles, copays and drug costs,” as well as “surprise bills for services they believed were covered” and “hopelessly complex” plans. Those with Affordable Care Act plans “saw Medicaid as a much better deal ... and were resentful that people with incomes lower than theirs could get it.” Ideally, these focus groups said, their health care plan would “focus on keeping their out-of-pocket costs low, control drug prices and improve access to cheaper drugs.”

Of course, there has never been any indication that a Republican alternative to Obamacare would move in the voters’ preferred direction. Rather, any alternative plan would almost assuredly double-down on all the anxiety-inducing features of their current plans. As Altman noted, this would probably not go over well with those voters:

Surveys show that most enrollees in the Affordable Care Act marketplaces are happy with their plans. The Trump voters in our focus groups were representative of people who had not fared as well. Several described their frustration with being forced to change plans annually to keep premiums down, losing their doctors in the process. But asked about policies found in several Republican plans to replace the Affordable Care Act — including a tax credit to help defray the cost of premiums, a tax-preferred savings account and a large deductible typical of catastrophic coverage — several of these Trump voters recoiled, calling such proposals “not insurance at all.” One of those plans has been proposed by Representative Tom Price, Mr. Trump’s nominee to be secretary of Health and Human Services. These voters said they did not understand health savings accounts and displayed skepticism about the concept.

When told Mr. Trump might embrace a plan that included these elements, and particularly very high deductibles, they expressed disbelief. They were also worried about what they called “chaos” if there was a gap between repealing and replacing Obamacare. But most did not think that, as one participant put it, “a smart businessman like Trump would let that happen.”


This is, perhaps, the biggest disconnect between Trump’s voters and the people in whom they’ve placed their trust. Republican legislators are hoping to get a quick repeal and to buy some time to come up with a palatable plan ― but there’s never been any indication that they can stomach actually creating a plan that’s truly in line with what their constituents want. Trump sees a looming political trap and wants there to be a period of inertia so that Democrats end up taking the blame for entropy in the Affordable Care Act’s marketplace ― which is probably what a Republican-controlled Congress would have done if Hillary Clinton had won the election.

The problem is that Trump has styled himself as a different sort of president. Like that focus-group participant averred, Trump voters think they elected a “smart businessman” who won’t let bad things happen. He’s supposed to be a swashbuckling outsider who’ll start cutting through Washington’s thicket of idleness and start delivering better deals to the American people.

Trump may prefer that Democrats take further heat for Obamacare’s problems. But his voters don’t want this can to be kicked down the road any further, and they want the “terrific” replacement promised to them.

With all that in mind, it’s hard to see where Trump and GOP lawmakers go together, because it’s not clear they ultimately want the same thing.

Perhaps Trump will do something truly audacious: suggest that the GOP simply fix the Affordable Care Act, sell it as a repeal-and-replace job, and rebrand the whole thing “Trump Care.” Indeed, that canyon is only truly boxed if Trump ignores the exit pass, the one that leads to a health care system that people actually like.

It wouldn’t be in keeping with conservative philosophy, but that hasn’t stopped Trump before. Besides, if you look at the actual details of what Speaker Paul Ryan (R-Wis.) wants to replace Medicare with, it looks a lot like the Affordable Care Act. They could all take some form of spiteful pride in essentially stealing Obama’s landmark legislation from him ― which, I suppose, is fair turnabout, since Democrats originally stole it from the Heritage Foundation and Mitt Romney. You shouldn’t discount the extent to which animosity inside the Beltway is solely driven by who ends up getting to take credit for what.

And in this scenario, Trump could gain what he desires most: public affection. It would be a sordid and petty way to resolve this eight-year long conflict, but at long last, it would provide a way for everyone finally to “win.”

~~~~~ Jason Linkins edits “Eat The Press” for The Huffington Post and co-hosts the HuffPost Politics podcast “So, That Happened.” Subscribe here, and listen to the latest episode below. 

-- 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.

Insurance Customers In Pennsylvania Look To Trump To Ease Their Burden

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Two Pennsylvania voters who buy health insurance on HealthCare.gov are frustrated with how expensive the plans have become. They voted for Trump in hopes he can bring down health insurance costs. Reported by NPR 5 hours ago.

The Obamacare Repeal Push Is Starting To Look Like An Abbott And Costello Skit, Chuck Schumer Says

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WASHINGTON ― The Republican push to quickly repeal the Affordable Care Act ― with no replacement in sight ― is starting to look like an Abbott and Costello comedy skit, Senate Democratic Leader Chuck Schumer (N.Y.) charged Thursday.

Schumer’s comments came after President-elect Donald Trump said in an interview that he expects a repeal vote next week to be followed “very quickly or simultaneously, very shortly thereafter” with a replacement for Obamacare, and 10 Republican senators started pushing for a slower approach.

But Senate Majority Leader Mitch McConnell (R-Ky.) signaled Tuesday that he still planned to move full speed ahead on a repeal effort that would leave some 30 million Americans without health insurance.

The conflicting approaches seemed to amuse Schumer, who has warned repeatedly that Republicans are stepping into a trap by trying to repeal President Barack Obama’s signature law.

“There’s a little bit of onus on the president-elect,” Schumer told reporters on Capitol Hill. “What’s his replacement plan? He doesn’t seem to have one either, so it’s sort of a little like Abbott and Costello. Each of them says, ‘We must repeal and replace’ and then says, ‘You come up with the plan,’” Schumer said, pointing two fingers in opposite directions for effect.

On Monday, half a dozen Republican senators called for slowing down the repeal process. Five of them proposed an amendment that would give committees until March 3 to come up with recommendations for repeal legislation, pushing back the original, nonbinding Jan. 27 deadline. Schumer laughed at the idea that Democrats would support such an amendment even if it meant every stage of the repeal process would be delayed by roughly one month.

“The Republicans have created this stew that they’re in,” Schumer said. “They can debate among themselves but they have to be united on a plan. We’re not going to get into these internecine fights, that’s their business.”

Sen. Bob Corker (R-Tenn.) said rank-and-file Republicans in the House and Senate are just trying to get some answers, but leadership in the upper chamber continues to be “vague” about the plan going forward.

“There are a number of senators who would like to see what the future is going to be and would like to try to do [replacement] simultaneously if possible,” Corker told reporters on Tuesday.

Corker said he introduced the amendment extending the Jan. 27 deadline for committees “to ensure that time is taken.” A number of Republicans would like to see Rep. Tom Price (R-Ga.) confirmed and in place as Health and Human Services secretary before moving quickly on a repeal.

Coming out of a weekly party lunch, Sen. Tim Scott (R-S.C.) said Republicans are going in too many directions at the moment.

“I think we have a lot of leaders,” Scott said, when asked if Trump or others needed to weigh in more.

Sen. John Thune (R-S.D.), a member of party leadership, expressed concern that Trump’s comments would hurt Republicans from a “messaging standpoint.”

“I could see us doing in the first reconciliation vehicle elements, features of a replacement and I’m sort of hopeful we’ll be able to deliver on that,” he added.

Despite the competing timelines offered by Republicans, McConnell has no plans to slow down.

“I can tell you that we will be through with the Obamacare repeal resolution this week,” he said. “We’re working on what comes next. As I’ve said we’re going to be involved with the administration the House and the Senate in crafting a package that we can all agree on.”

-- 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 4 hours ago.

Cook County leaders urge Obamacare sign-ups as Republicans plan teardown

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Local leaders pleaded with Chicagoans on Tuesday to sign up for health insurance through Obamacare — and to speak out in support of the health care law — as Republican leaders in Congress continued their promises to tear it down.

Cook County Board President Toni Preckwinkle, Democratic U.S. Rep.... Reported by ChicagoTribune 3 hours ago.

SF startup gathers nation’s Medicaid data in cloud

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Medicaid, which provides health care to low-income people, is administered state by state. Extracting, cleaning and collating the information from so many disparate and dated computer systems was an extraordinary achievement, health and technology specialists say. Andrew Slavitt, acting director of the Centers for Medicare and Medicaid Services, described the cloud database as “near historic.” Health data on its own — billing, diagnostic and treatment information, typically recorded in arcane, shorthand codes — is not very useful. More doctor visits, hospital stays, operations and pills mean more revenue and profit for health care providers. In the value model, medical groups are paid for outcomes: patients treated more efficiently and people who are healthier. [...] that transition becomes possible only with accurate, reliable data as the raw material for measuring outcomes and discovering what works and what does not. [...] 40 percent of Medicaid spending goes to the people with disabilities. “This kind of data can help move health care policy from a partisan ideological debate to one informed by knowing who the people affected are and what will likely happen to Medicaid recipients,” said Drew Altman, president of the Henry J. Kaiser Family Foundation, a nonprofit health policy research organization in Menlo Park. At Google, she was a product manager on Google Health, a failed effort to attract millions of people to use its free, online personal health records. In late 2013, Kim got a call from Washington and became one of the small cadre of Silicon Valley technology specialists called on to fix HealthCare.gov, the application website for health insurance under the Affordable Care Act. Reported by SFGate 1 hour ago.

Walking In America Remains Dangerous — Especially In Florida

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Those who can least afford to get hurt often live in the most dangerous places to walk. A study sees a link between median household income and whether people have health insurance. Reported by NPR 44 minutes ago.

Read The Full Text Of Obama's Farewell Address

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President Barack Obama gave his final address to the nation Tuesday night, addressing such issues as climate change, foreign policy and health care.

Obama reflected on the accomplishments of his administration, but also issued a call to action for citizens going forward during his speech, which he delivered in front of a large crowd in Chicago.

*Below, read Obama’s full remarks as prepared for delivery:*

It’s good to be home.  My fellow Americans, Michelle and I have been so touched by all the well-wishes we’ve received over the past few weeks.  But tonight it’s my turn to say thanks.  Whether we’ve seen eye-to-eye or rarely agreed at all, my conversations with you, the American people – in living rooms and schools; at farms and on factory floors; at diners and on distant outposts – are what have kept me honest, kept me inspired, and kept me going.  Every day, I learned from you.  You made me a better President, and you made me a better man.

I first came to Chicago when I was in my early twenties, still trying to figure out who I was; still searching for a purpose to my life.  It was in neighborhoods not far from here where I began working with church groups in the shadows of closed steel mills.  It was on these streets where I witnessed the power of faith, and the quiet dignity of working people in the face of struggle and loss.  This is where I learned that change only happens when ordinary people get involved, get engaged, and come together to demand it. 

After eight years as your President, I still believe that.  And it’s not just my belief.  It’s the beating heart of our American idea – our bold experiment in self-government. 

It’s the conviction that we are all created equal, endowed by our Creator with certain unalienable rights, among them life, liberty, and the pursuit of happiness.

It’s the insistence that these rights, while self-evident, have never been self-executing; that We, the People, through the instrument of our democracy, can form a more perfect union.

This is the great gift our Founders gave us.  The freedom to chase our individual dreams through our sweat, toil, and imagination – and the imperative to strive together as well, to achieve a greater good.

For 240 years, our nation’s call to citizenship has given work and purpose to each new generation.  It’s what led patriots to choose republic over tyranny, pioneers to trek west, slaves to brave that makeshift railroad to freedom.  It’s what pulled immigrants and refugees across oceans and the Rio Grande, pushed women to reach for the ballot, powered workers to organize.  It’s why GIs gave their lives at Omaha Beach and Iwo Jima; Iraq and Afghanistan – and why men and women from Selma to Stonewall were prepared to give theirs as well. 

So that’s what we mean when we say America is exceptional.  Not that our nation has been flawless from the start, but that we have shown the capacity to change, and make life better for those who follow. 

Yes, our progress has been uneven.  The work of democracy has always been hard, contentious and sometimes bloody.  For every two steps forward, it often feels we take one step back.  But the long sweep of America has been defined by forward motion, a constant widening of our founding creed to embrace all, and not just some.

If I had told you eight years ago that America would reverse a great recession, reboot our auto industry, and unleash the longest stretch of job creation in our history…if I had told you that we would open up a new chapter with the Cuban people, shut down Iran’s nuclear weapons program without firing a shot, and take out the mastermind of 9/11…if I had told you that we would win marriage equality, and secure the right to health insurance for another 20 million of our fellow citizens – you might have said our sights were set a little too high.

But that’s what we did.  That’s what you did.  You were the change.  You answered people’s hopes, and because of you, by almost every measure, America is a better, stronger place than it was when we started.

In ten days, the world will witness a hallmark of our democracy:  the peaceful transfer of power from one freely-elected president to the next.  I committed to President-Elect Trump that my administration would ensure the smoothest possible transition, just as President Bush did for me.  Because it’s up to all of us to make sure our government can help us meet the many challenges we still face.

We have what we need to do so.  After all, we remain the wealthiest, most powerful, and most respected nation on Earth.  Our youth and drive, our diversity and openness, our boundless capacity for risk and reinvention mean that the future should be ours.

But that potential will be realized only if our democracy works.  Only if our politics reflects the decency of the our people.  Only if all of us, regardless of our party affiliation or particular interest, help restore the sense of common purpose that we so badly need right now. 

That’s what I want to focus on tonight – the state of our democracy.

Understand, democracy does not require uniformity.  Our founders quarreled and compromised, and expected us to do the same. But they knew that democracy does require a basic sense of solidarity – the idea that for all our outward differences, we are all in this together; that we rise or fall as one.

There have been moments throughout our history that threatened to rupture that solidarity.  The beginning of this century has been one of those times.  A shrinking world, growing inequality; demographic change and the specter of terrorism – these forces haven’t just tested our security and prosperity, but our democracy as well.  And how we meet these challenges to our democracy will determine our ability to educate our kids, and create good jobs, and protect our homeland. 

In other words, it will determine our future.

Our democracy won’t work without a sense that everyone has economic opportunity.  Today, the economy is growing again; wages, incomes, home values, and retirement accounts are rising again; poverty is falling again.  The wealthy are paying a fairer share of taxes even as the stock market shatters records.  The unemployment rate is near a ten-year low.  The uninsured rate has never, ever been lower.  Health care costs are rising at the slowest rate in fifty years.  And if anyone can put together a plan that is demonstrably better than the improvements we’ve made to our health care system – that covers as many people at less cost – I will publicly support it. 

That, after all, is why we serve – to make people’s lives better, not worse. 

But for all the real progress we’ve made, we know it’s not enough.  Our economy doesn’t work as well or grow as fast when a few prosper at the expense of a growing middle class.  But stark inequality is also corrosive to our democratic principles.  While the top one percent has amassed a bigger share of wealth and income, too many families, in inner cities and rural counties, have been left behind – the laid-off factory worker; the waitress and health care worker who struggle to pay the bills – convinced that the game is fixed against them, that their government only serves the interests of the powerful – a recipe for more cynicism and polarization in our politics. 

There are no quick fixes to this long-term trend.  I agree that our trade should be fair and not just free.  But the next wave of economic dislocation won’t come from overseas.  It will come from the relentless pace of automation that makes many good, middle-class jobs obsolete.

And so we must forge a new social compact – to guarantee all our kids the education they need; to give workers the power to unionize for better wages; to update the social safety net to reflect the way we live now and make more reforms to the tax code so corporations and individuals who reap the most from the new economy don’t avoid their obligations to the country that’s made their success possible.  We can argue about how to best achieve these goals.  But we can’t be complacent about the goals themselves.  For if we don’t create opportunity for all people, the disaffection and division that has stalled our progress will only sharpen in years to come.

There’s a second threat to our democracy – one as old as our nation itself.  After my election, there was talk of a post-racial America.  Such a vision, however well-intended, was never realistic.  For race remains a potent and often divisive force in our society.  I’ve lived long enough to know that race relations are better than they were ten, or twenty, or thirty years ago – you can see it not just in statistics, but in the attitudes of young Americans across the political spectrum.

But we’re not where we need to be.  All of us have more work to do.  After all, if every economic issue is framed as a struggle between a hardworking white middle class and undeserving minorities, then workers of all shades will be left fighting for scraps while the wealthy withdraw further into their private enclaves.  If we decline to invest in the children of immigrants, just because they don’t look like us, we diminish the prospects of our own children – because those brown kids will represent a larger share of America’s workforce.  And our economy doesn’t have to be a zero-sum game.  Last year, incomes rose for all races, all age groups, for men and for women. 

Going forward, we must uphold laws against discrimination – in hiring, in housing, in education and the criminal justice system.  That’s what our Constitution and highest ideals require.  But laws alone won’t be enough.  Hearts must change.  If our democracy is to work in this increasingly diverse nation, each one of us must try to heed the advice of one of the great characters in American fiction, Atticus Finch, who said “You never really understand a person until you consider things from his point of view…until you climb into his skin and walk around in it.”

For blacks and other minorities, it means tying our own struggles for justice to the challenges that a lot of people in this country face – the refugee, the immigrant, the rural poor, the transgender American, and also the middle-aged white man who from the outside may seem like he’s got all the advantages, but who’s seen his world upended by economic, cultural, and technological change. 

For white Americans, it means acknowledging that the effects of slavery and Jim Crow didn’t suddenly vanish in the ‘60s; that when minority groups voice discontent, they’re not just engaging in reverse racism or practicing political correctness; that when they wage peaceful protest, they’re not demanding special treatment, but the equal treatment our Founders promised. 

For native-born Americans, it means reminding ourselves that the stereotypes about immigrants today were said, almost word for word, about the Irish, Italians, and Poles.  America wasn’t weakened by the presence of these newcomers; they embraced this nation’s creed, and it was strengthened. 

So regardless of the station we occupy; we have to try harder; to start with the premise that each of our fellow citizens loves this country just as much as we do; that they value hard work and family like we do; that their children are just as curious and hopeful and worthy of love as our own. 

None of this is easy.  For too many of us, it’s become safer to retreat into our own bubbles, whether in our neighborhoods or college campuses or places of worship or our social media feeds, surrounded by people who look like us and share the same political outlook and never challenge our assumptions.  The rise of naked partisanship, increasing economic and regional stratification, the splintering of our media into a channel for every taste – all this makes this great sorting seem natural, even inevitable.  And increasingly, we become so secure in our bubbles that we accept only information, whether true or not, that fits our opinions, instead of basing our opinions on the evidence that’s out there.

This trend represents a third threat to our democracy.  Politics is a battle of ideas; in the course of a healthy debate, we’ll prioritize different goals, and the different means of reaching them.  But without some common baseline of facts; without a willingness to admit new information, and concede that your opponent is making a fair point, and that science and reason matter, we’ll keep talking past each other, making common ground and compromise impossible. 

Isn’t that part of what makes politics so dispiriting?  How can elected officials rage about deficits when we propose to spend money on preschool for kids, but not when we’re cutting taxes for corporations?  How do we excuse ethical lapses in our own party, but pounce when the other party does the same thing?  It’s not just dishonest, this selective sorting of the facts; it’s self-defeating.  Because as my mother used to tell me, reality has a way of catching up with you. 

Take the challenge of climate change.  In just eight years, we’ve halved our dependence on foreign oil, doubled our renewable energy, and led the world to an agreement that has the promise to save this planet.  But without bolder action, our children won’t have time to debate the existence of climate change; they’ll be busy dealing with its effects: environmental disasters, economic disruptions, and waves of climate refugees seeking sanctuary. 

Now, we can and should argue about the best approach to the problem.  But to simply deny the problem not only betrays future generations; it betrays the essential spirit of innovation and practical problem-solving that guided our Founders.

It’s that spirit, born of the Enlightenment, that made us an economic powerhouse – the spirit that took flight at Kitty Hawk and Cape Canaveral; the spirit that that cures disease and put a computer in every pocket. 

It’s that spirit – a faith in reason, and enterprise, and the primacy of right over might, that allowed us to resist the lure of fascism and tyranny during the Great Depression, and build a post-World War II order with other democracies, an order based not just on military power or national affiliations but on principles – the rule of law, human rights, freedoms of religion, speech, assembly, and an independent press.

That order is now being challenged – first by violent fanatics who claim to speak for Islam; more recently by autocrats in foreign capitals who see free markets, open democracies, and civil society itself as a threat to their power.  The peril each poses to our democracy is more far-reaching than a car bomb or a missile.  It represents the fear of change; the fear of people who look or speak or pray differently; a contempt for the rule of law that holds leaders accountable; an intolerance of dissent and free thought; a belief that the sword or the gun or the bomb or propaganda machine is the ultimate arbiter of what’s true and what’s right.

Because of the extraordinary courage of our men and women in uniform, and the intelligence officers, law enforcement, and diplomats who support them, no foreign terrorist organization has successfully planned and executed an attack on our homeland these past eight years; and although Boston and Orlando remind us of how dangerous radicalization can be, our law enforcement agencies are more effective and vigilant than ever.  We’ve taken out tens of thousands of terrorists – including Osama bin Laden.  The global coalition we’re leading against ISIL has taken out their leaders, and taken away about half their territory.  ISIL will be destroyed, and no one who threatens America will ever be safe.  To all who serve, it has been the honor of my lifetime to be your Commander-in-Chief.

But protecting our way of life requires more than our military.  Democracy can buckle when we give in to fear.  So just as we, as citizens, must remain vigilant against external aggression, we must guard against a weakening of the values that make us who we are.  That’s why, for the past eight years, I’ve worked to put the fight against terrorism on a firm legal footing.  That’s why we’ve ended torture, worked to close Gitmo, and reform our laws governing surveillance to protect privacy and civil liberties.  That’s why I reject discrimination against Muslim Americans.  That’s why we cannot withdraw from global fights – to expand democracy, and human rights, women’s rights, and LGBT rights – no matter how imperfect our efforts, no matter how expedient ignoring such values may seem.  For the fight against extremism and intolerance and sectarianism are of a piece with the fight against authoritarianism and nationalist aggression.  If the scope of freedom and respect for the rule of law shrinks around the world, the likelihood of war within and between nations increases, and our own freedoms will eventually be threatened.

So let’s be vigilant, but not afraid.  ISIL will try to kill innocent people.  But they cannot defeat America unless we betray our Constitution and our principles in the fight.  Rivals like Russia or China cannot match our influence around the world – unless we give up what we stand for, and turn ourselves into just another big country that bullies smaller neighbors.

Which brings me to my final point – our democracy is threatened whenever we take it for granted.  All of us, regardless of party, should throw ourselves into the task of rebuilding our democratic institutions.  When voting rates are some of the lowest among advanced democracies, we should make it easier, not harder, to vote.  When trust in our institutions is low, we should reduce the corrosive influence of money in our politics, and insist on the principles of transparency and ethics in public service.  When Congress is dysfunctional, we should draw our districts to encourage politicians to cater to common sense and not rigid extremes.

And all of this depends on our participation; on each of us accepting the responsibility of citizenship, regardless of which way the pendulum of power swings. 

Our Constitution is a remarkable, beautiful gift.  But it’s really just a piece of parchment.  It has no power on its own.  We, the people, give it power – with our participation, and the choices we make.  Whether or not we stand up for our freedoms.  Whether or not we respect and enforce the rule of law.  America is no fragile thing.  But the gains of our long journey to freedom are not assured.

In his own farewell address, George Washington wrote that self-government is the underpinning of our safety, prosperity, and liberty, but “from different causes and from different quarters much pains will be taken…to weaken in your minds the conviction of this truth;” that we should preserve it with “jealous anxiety;” that we should reject “the first dawning of every attempt to alienate any portion of our country from the rest or to enfeeble the sacred ties” that make us one.

We weaken those ties when we allow our political dialogue to become so corrosive that people of good character are turned off from public service; so coarse with rancor that Americans with whom we disagree are not just misguided, but somehow malevolent.  We weaken those ties when we define some of us as more American than others; when we write off the whole system as inevitably corrupt, and blame the leaders we elect without examining our own role in electing them.

It falls to each of us to be those anxious, jealous guardians of our democracy; to embrace the joyous task we’ve been given to continually try to improve this great nation of ours.  Because for all our outward differences, we all share the same proud title:  Citizen.

Ultimately, that’s what our democracy demands.  It needs you.  Not just when there’s an election, not just when your own narrow interest is at stake, but over the full span of a lifetime.  If you’re tired of arguing with strangers on the internet, try to talk with one in real life.  If something needs fixing, lace up your shoes and do some organizing.  If you’re disappointed by your elected officials, grab a clipboard, get some signatures, and run for office yourself.  Show up.  Dive in.  Persevere.  Sometimes you’ll win.  Sometimes you’ll lose.  Presuming a reservoir of goodness in others can be a risk, and there will be times when the process disappoints you.  But for those of us fortunate enough to have been a part of this work, to see it up close, let me tell you, it can energize and inspire.  And more often than not, your faith in America – and in Americans – will be confirmed. 

Mine sure has been.  Over the course of these eight years, I’ve seen the hopeful faces of young graduates and our newest military officers.  I’ve mourned with grieving families searching for answers, and found grace in Charleston church.  I’ve seen our scientists help a paralyzed man regain his sense of touch, and our wounded warriors walk again.  I’ve seen our doctors and volunteers rebuild after earthquakes and stop pandemics in their tracks.  I’ve seen the youngest of children remind us of our obligations to care for refugees, to work in peace, and above all to look out for each other.

That faith I placed all those years ago, not far from here, in the power of ordinary Americans to bring about change – that faith has been rewarded in ways I couldn’t possibly have imagined.  I hope yours has, too.  Some of you here tonight or watching at home were there with us in 2004, in 2008, in 2012 – and maybe you still can’t believe we pulled this whole thing off. 

You’re not the only ones.  Michelle – for the past twenty-five years, you’ve been not only my wife and mother of my children, but my best friend.  You took on a role you didn’t ask for and made it your own with grace and grit and style and good humor.  You made the White House a place that belongs to everybody.  And a new generation sets its sights higher because it has you as a role model.  You’ve made me proud.  You’ve made the country proud.

Malia and Sasha, under the strangest of circumstances, you have become two amazing young women, smart and beautiful, but more importantly, kind and thoughtful and full of passion.  You wore the burden of years in the spotlight so easily.  Of all that I’ve done in my life, I’m most proud to be your dad. 

To Joe Biden, the scrappy kid from Scranton who became Delaware’s favorite son:  you were the first choice I made as a nominee, and the best.  Not just because you have been a great Vice President, but because in the bargain, I gained a brother.  We love you and Jill like family, and your friendship has been one of the great joys of our life.

To my remarkable staff:  For eight years – and for some of you, a whole lot more – I’ve drawn from your energy, and tried to reflect back what you displayed every day: heart, and character, and idealism.  I’ve watched you grow up, get married, have kids, and start incredible new journeys of your own.  Even when times got tough and frustrating, you never let Washington get the better of you.  The only thing that makes me prouder than all the good we’ve done is the thought of all the remarkable things you’ll achieve from here.

And to all of you out there – every organizer who moved to an unfamiliar town and kind family who welcomed them in, every volunteer who knocked on doors, every young person who cast a ballot for the first time, every American who lived and breathed the hard work of change – you are the best supporters and organizers anyone could hope for, and I will forever be grateful.  Because yes, you changed the world.

That’s why I leave this stage tonight even more optimistic about this country than I was when we started.  Because I know our work has not only helped so many Americans; it has inspired so many Americans – especially so many young people out there – to believe you can make a difference; to hitch your wagon to something bigger than yourselves.  This generation coming up – unselfish, altruistic, creative, patriotic – I’ve seen you in every corner of the country.  You believe in a fair, just, inclusive America; you know that constant change has been America’s hallmark, something not to fear but to embrace, and you are willing to carry this hard work of democracy forward.  You’ll soon outnumber any of us, and I believe as a result that the future is in good hands.

My fellow Americans, it has been the honor of my life to serve you.  I won’t stop; in fact, I will be right there with you, as a citizen, for all my days that remain.  For now, whether you’re young or young at heart, I do have one final ask of you as your President – the same thing I asked when you took a chance on me eight years ago.

I am asking you to believe.  Not in my ability to bring about change – but in yours. 

I am asking you to hold fast to that faith written into our founding documents; that idea whispered by slaves and abolitionists; that spirit sung by immigrants and homesteaders and those who marched for justice; that creed reaffirmed by those who planted flags from foreign battlefields to the surface of the moon; a creed at the core of every American whose story is not yet written:

Yes We Can. 

Yes We Did. 

Yes We Can.

Thank you.  God bless you.  And may God continue to bless the United States of America.

-- 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.

So Long Barack, Don't Be A Stranger

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A lanky untested junior senator and former state legislator came upon us so many years ago, presenting an unlikely scenario, not the least of which he was named in part Hussein, and yet he brought such grace and honor without scandal to our highest office that we have reason to be proud we elected him twice.

From his Farewell Address tonight:

"The beating heart of our American idea, our bold experiment in self government."

"If I had told you eight years ago that America would reverse a great recession, reboot our auto industry and unleash the longest stretch of job creation in our history. If I had told you that we would open up a new chapter with the Cuban people, shut down Iran's nuclear weapons program without firing a shot, take out the mastermind of 9/11. If I had told you that we would win marriage equality and secure the right to health insurance for another 20 million of our fellow citizens. If I had told you all that you might have said our sights were set a little too high. But that's what we did."

Here's hoping he stays in the mix.

-- 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.

Key Senate Republican Floats Obamacare 'Transition' Plan

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WASHINGTON ― A Senate Republican chairman with jurisdiction over Obamacare on Tuesday unveiled his outline for a proposal that would reshape the health insurance market while Congress debates a “replacement” for the Affordable Care Act.

In the vision sketched out by Sen. Lamar Alexander (R-Tenn.), health insurance companies would be free to return to selling health insurance policies that leave out key benefits guaranteed by President Barack Obama’s 2010 health law, which requires insurers to cover a broad set of services including hospitalizations, maternity care and prescription drugs.

Alexander, who chairs the Senate Health, Education, Labor and Pensions Committee, also would leave in place Obamacare’s subsidies for low- and middle-income families while the congressional GOP works on repealing the entire health law and writing a new one.

“The American people deserve health care reform that’s done in the right way, for the right reasons, in the right amount of time,” Alexander said on the Senate floor Tuesday. “It’s not about developing a quick fix. It’s about working toward long-term solutions that work for everyone.”

Alexander has urged Congress to work on repealing and replacing the law at the same time, as opposed to doing it in separate phases as GOP leaders have proposed.

“All the Republican senators I’ve talked with, the more they’ve studied the bill, the more they divide it into parts, the more they want to go step by step, and the more they see the importance of having a pretty good idea of what a replacement looks like as we repeal parts of Obamacare,” Alexander told reporters moments after his speech.

Alexander chairs one of the two Senate committees tasked with writing health care reform legislation, so his proposal for a “bridge” between Obamacare and a hypothetical “replacement” is significant, in part because he is getting out ahead of his own leadership. And it will be what he proposes to the Senate Budget Committee, which is ultimately tasked with sifting through the recommendations and piecing together the final reconciliation package. 

This development, however, also underscores the disarray among Republicans on the issue. Trump and congressional Republicans campaigned on repealing Obamacare, but now find themselves faced with the prospect of kicking tens of millions of people off their health coverage at a time when the GOP doesn’t know what it wants to do instead.

And the GOP appears far from unified about how to remake the health care system.

Republican leaders are facing resistance from party moderates and conservatives alike, and Alexander is just the latest to float a health care reform framework. The conservative House Freedom Caucus and Republican Study Committee each have their own, as do Senate Finance Committee Chairman Orrin Hatch (R-Utah), House Speaker Paul Ryan (R-Wis.) and Rep. Tom Price (R-Ga.), Trump’s choice to be secretary of Health and Human Services.

The House and Senate Republican leadership mapped out a plan for tackling Obamacare ― dubbed “repeal and delay” ― after Donald Trump won the presidential election in November, but it’s run into resistance from Alexander and other Republicans. Trump himself on Tuesday reiterated that Republicans need to “repeal” and “replace” at the same time.

In the Senate, enough Republicans have expressed skepticism about the strategy that the swift passage of a bill repealing large portions of the Affordable Care Act through budget reconciliation, with reforms coming much later, appears to be in jeopardy.

Ryan and Senate Majority Leader Mitch McConnell (R-Ky.) proposed that Congress pass that budget bill this month, possibly before Trump is even inaugurated, but that they leave most of the Affordable Care Act in place for up to four years.

During that time, under this approach, Republicans in Congress could in theory reach the consensus on a “replacement” plan that has eluded the party since the Democratic Congress began debating the Affordable Care Act itself in 2009.

A Henry J. Kaiser Family Foundation poll conducted last month found that just 20 percent of Americans support “repeal and delay.”

For Republicans to leave the health insurance market, and the millions of Americans who buy private health insurance from the Obamacare exchanges, in limbo for that long could wreak havoc on the health care system ― and harm their own constituents.

Health insurers could exit this market in 2018 amid that kind of uncertainty, which could disrupt coverage even for people who aren’t covered by Obamacare plans, experts say. The Urban Institute projects that “repeal and delay” could cause as many as 30 million people to become uninsured.

Alexander made plain that he stands with every other Republican in Congress in support of repealing the Affordable Care Act. But his remarks on the floor and subsequent comments to reporters also made clear that he believes the GOP has to account for the short-term effects of its efforts to disrupt the status quo.

“To me, ‘simultaneously’ and ‘concurrently’ means Obamacare should be finally repealed only when there are concrete, practical reforms in place that give Americans access to truly affordable health care,” Alexander said on the Senate floor.

In the meantime, according to Alexander, a mix of federal legislation, regulatory changes adopted by the incoming Trump administration and actions by state regulators would scale back the Affordable Care Act’s guaranteed benefits.

The result would be that health insurance companies could return to their previous practice of offering policies that don’t cover as much as the Affordable Care Act currently mandates. That would enable states that had lax insurance regulations before to allow currently illegal plans back on to the market. But Alexander wouldn’t immediately do away with the tax credits that consumers currently can only use for health insurance purchased on the exchanges.

Alexander’s proposal would extend beyond the health insurance exchanges and also permit employers to cut back on health coverage, and would allow states to alter or reduce Medicaid benefits more easily by relaxing federal standards for the program.

Watch Alexander’s Senate floor speech:-- 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 23 hours ago.

Healthy Paws Pet Insurance Engages Cesari Media to Increase Awareness of Pet Insurance

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Cesari Media develops brand response campaign designed to illustrate the value of health insurance for our furry family members.

Seattle, Washington (PRWEB) January 11, 2017

Brand response agency Cesari Media is pleased to announce a new collaboration with Healthy Paws Pet Insurance—the #1 customer-rated provider of insurance for dogs and cats. Cesari will be producing a television commercial to increase awareness of pet health insurance.

While veterinary medicine has seen considerable improvements in recent years, those advances have brought with them a rise in the cost of vet bills. With Healthy Paws Pet Insurance, pet parents can be reimbursed for up to 90% of their pets’ medical bills, so they can focus on taking care of their four-legged family members without worrying about the cost.

Healthy Paws engaged Cesari Media to produce a commercial campaign that encourages pet parents to get a free quote for pet health insurance, helping them understand just how affordable it can be.

“Very few people know pet insurance exists or understand how it works,” says Cesari Media’s Founder and CEO, Rick Cesari. “Healthy Paws offers one simple, affordable plan that covers pets for accidents and illnesses for their entire lives, and Cesari is excited to help deliver this information to consumers.”

In addition to addressing the fundamental need for pet medical care, Healthy Paws’ Every Quote Gives Hope™ grant program gives a donation toward medical care for homeless pets with every pet insurance quote completed on their website. The program funds grants to pet adoption organizations for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments.

“As a Healthy Paws customer and proud parent of a four-year old rescue kitty, Benny, I really appreciate how Healthy Paws gives back to help homeless pets,” says Jane Schloth, COO, Cesari Media. “Having them as a client is a win-win!”

About Cesari Media

Founded in 1994, privately-held Cesari Media specializes in brand response television advertising, with companion digital campaigns. Having been the Brand Response agency of record for companies like GoPro, where they reached a billion in sales in just seven years, Cesari Media has shown repeated success in taking a brand from start to stardom. Cesari Media also maximizes big brand in tandem with traditional agencies for their direct sales, across TV, Internet, and Mobile. Cesari has helped produce multi-million dollars of success for clients including George Foreman Grill, OxiClean, and Sonicare. With a winning campaign management model, proven client results, state-of-the-art analytics, Cesari Media continues to meet the needs of the times capitalizing on its long history of success. For more information about Cesari Media, please go to http://www.cesarimedia.com

About Healthy Paws Pet Insurance®

Healthy Paws is one of the leading pet insurance program providers in the U.S. for dogs and cats and ranked #1 by customers on leading review websites. Chubb, an A+ rated insurance carrier, underwrites its insurance policies. The Healthy Paws Foundation, a 501(c)(3) non-profit organization, provides cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries and advanced medical treatments of homeless pets in their care. To learn more about their mission to save more homeless pets and how you can help, visit https://www.healthypawspetinsurance.com/how-we-help. For more information about Healthy Paws Pet Insurance, visit healthypawspetinsurance.com. Reported by PRWeb 19 hours ago.

New ez1095 2016, Affordable Care Act Software Offers XML Validation Prior To Efiling

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2016 ez1095 software has been updated to offer XML Validation to the IRS prior to efiling for peace of mind. Test drive for up to 30 days with no obligation at http://www.halfpricesoft.com.

Los Angeles, CA (PRWEB) January 11, 2017

The 1095 C, 1094 C, 1095 B and 1094 B forms for the upcoming tax season have been implemented and approved by the SSA for ez1095 software to print on plain white paper. To add greater peace of mind, Halfpricesoft.com has also added a feature to validate XML files prior to the efile process to save time and frustration.

“The latest ez1095 2016 ACA software has been released with an XML validation feature to utilize prior to filing with the IRS.” said Dr. Ge, the founder of Halfpricesoft.com.

Halfpricesoft.com developers created ez1095 2016 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 all company data and printing forms within minutes of purchasing the license key. Customers can also click form level help links to get more details regarding the software.

Ez1095 ACA software is desktop application and customers have full control of the data. This aca reporting software is compatible with Windows 10, 8.1, 8, 7, Vista and others Windows systems. 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

The main features include:· 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.
· 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.

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 15 hours ago.

Five things you need to know today, and some bad journalism

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Good morning, Cincinnati! Here are the five most important things you need to know to help start your busy business day: Local hospitals, docs, could be hit hard by ACA repeal Barrett J. Brunsman reports on how Cincinnati hospitals and doctors are bracing for the repeal of the Afforable Care Act and the collateral impact to Medicaid health insurance. Nearly 1 million fewer Ohioans would have health insurance in 2019 if the ACA is repealed. Virtual care: Seeing a doctor made easy Sponsored:… Reported by bizjournals 14 hours ago.

Amid Concerns of Uncertainty at HHS and CMS During the Trump Administration Transition, AIS Health Offers Consistent Health Care Data

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While uncertainty and personnel instability at HHS and CMS could result in gaps in the publication of data, AIS Health has published a full suite of databases on various aspects of the health insurance industry —including exchanges, Rx benefits and enrollment.

Washington, DC (PRWEB) January 11, 2017

The Department of Health and Human Services (HHS) and the Centers for Medicare & Medicaid Services (CMS) will likely be led by a skeletal transition team for the first few months of the Trump Administration, industry observers tell AIS’s Health Plan Week (HPW) in its Jan. 9 issue. The uncertainty and personnel instability could result in gaps in the publication of data, although HPW reports that immediate changes or a mass exodus of HHS and CMS employees are not expected.

“I don’t think there will be any radical change [at HHS or CMS]. But there will be almost nothing new coming out,” Thomas Scully, who headed CMS under President George W. Bush, and is now a general partner with Welsh, Carson, Anderson & Stowe, tells HPW. Scully says it could take several months before the Senate confirms an HHS secretary and a CMS administrator.

The new administration also will have its hands full sifting through the Obama administration’s 11th-hour flurry of regulations designed to strengthen the Affordable Care Act, and this could also divert attention from scheduled data updates.

Amid these concerns, AIS Health has collected a full spectrum of 2017 public exchange data, as well as archived data dating back to 2014, the first year for public exchanges. AIS Health’s suite of databases on various aspects of the health insurance industry — the exchange marketplaces, Rx benefits, health plan enrollment and more — has been culled from federal and state governments, as well as from the insurers themselves. AIS Health’s independent researchers curate the data and standardize formats across all sources to provide comparative interfaces — and data continuity in the face of uncertainty.

Visit https://aishealth.com/archive/nhpw010917-01 to read the full HPW article “As Obama Administration Hands the Keys to Trump, What Will Happen at CMS and HHS?“ Learn more about AIS Health’s databases at https://aishealthdata.com.

About Health Plan Week
Published since 1991, the weekly newsletter Health Plan Week provides timely, objective business, financial and regulatory news of the health insurance industry. Coverage includes new benefit designs and underwriting practices, new products and marketing strategies, mergers and alliances, financial performance and results, Medicare and Medicaid opportunities, disease management, and the flood of changes to the Affordable Care Act. Visit http://aishealth.com/marketplace/health-plan-week for more information.

About AIS Health
AIS Health is a publishing and information company that has served the health care industry for more than 30 years. AIS Health’s mission is to provide objective and relevant business and strategic information for health care executives, by developing highly targeted news, data and analysis for managers at health insurance companies, pharmaceutical organizations, providers, purchasers and other health care industry stakeholders. AIS Health, which maintains journalistic independence from its parent company, MMIT, is committed to integrity in reporting and bringing transparency to health industry data. Learn more at http://AISHealth.com and http://AISHealthData.com. Reported by PRWeb 14 hours ago.
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