October Newsletter – Itsy Bitsy Spider

It’s time to talk about drugs, kids.

Now, the current push is to get kids to not take drugs, but from where I am sitting, there are folks who need to take them.

For instance, I have many clients who for one reason or another either:
1) Are afraid of doctors (called Iatrophobiain case you’re wondering)
2) Are afraid of needles (Trypanophobia)
3) Are afraid of spiders (sorry – went on a tangent). (Arachnophobia – but you knew that one).

Here’s what I know:
1) If you’re sick, go to the doctor – that’s what you have insurance for.
a. Added bonus: the waiting rooms have that old […]

September Newsletter – Ch-ch-ch-changes

So you’re confused about the changes to the health care law? I get that question (or comment) a lot. I mean, a lot. In fact, when I say ‘a lot’ it could be a parking lot worth of questions. Truth is, no one knows how the changes, or non-changes will unfold.


It took 14 months to get the ACA to pass.


In perspective, here’s some scenarios on 14 months:


A 14 month old toddler can utter many words beyond “Mama” and “Dada” – although when you listen to Congress sometimes they sounds like baby babble!


A 14 month old in Utah learned […]

GOP ability to dismantle health law expires at month’s end

WASHINGTON (AP) — Senate Republicans will soon run out of time to rely on their slim majority to dismantle the Obama health law.

The Senate parliamentarian has determined that rules governing the effort will expire when the fiscal year ends Sept. 30, according to independent Sen. Bernie Sanders of Vermont, the ranking member of the Senate Budget Committee. The rules allow Republicans to dismantle President Barack Obama’s health care law with just 51 votes, avoiding a filibuster.

“Today’s determination by the Senate parliamentarian is a major victory for the American people and everyone who fought against President Trump’s attempt to take away […]

4 Million Americans Paid $2.8 Billion in Obamacare Penalties Through April 2017

Fewer Americans paid penalty after Trump’s executive order suggested IRS could grant exemptions
BY: Ali Meyer
August 22, 2017 1:00 pm

Four million Americans paid $2.8 billion in Obamacare penalties for not having health insurance on target year 2016 returns through April 27, 2017, according to data from the Taxpayer Advocate Service, a division of the Internal Revenue Service.

Beginning in 2014, the Affordable Care Act’s individual mandate required Americans to purchase health care coverage or pay a penalty to the IRS.

At that time, individuals without insurance had to pay either a flat fee of $95 or 1 percent of the household’s adjusted gross […]

August Newsletter – Robots and Mazes

I have always considered myself a fairly good test taker. I love puzzles and crosswords and always up for a challenge. However, one test that I seem to fail over and over is the “I am not a robot” test on websites.


Maybe because I tend to overthink things.


On a recent “robot test” I had to mark the squares which showed a street sign. I marked almost all of the squares because the pole that holds the sign is also the street sign. Which by the way was wrong. (I’m sure that the Planning Department thinks the poles are […]

ACA’s Bare County Problem Largely Resolved As Centene Agrees To Sell Plans In Nevada.

Obamacare’s Bare County Problem Looks Mostly Solved, for Now

Margot Sanger-Katz @sangerkatz AUG. 15, 2017
Featured in The New York Times

A few months ago, it looked as if large swaths of the country might end up without any insurers willing to sell Obamacare insurance in 2018. But in the last few weeks the “bare county” problem, which President Trump had cited as a sign the markets were failing, has nearly solved itself.
On Tuesday, Gov. Brian Sandoval of Nevada announced that Centene would offer insurance in 14 rural counties of Nevada that had been bare. That leaves only two […]

Nevada Businesses face volatile insurance market

More Small Businesses Considering Providing Employee Coverage In Nevada’s Uncertain Insurance Market.

The Northern Nevada Business Weekly (8/14, Sabo) reports that the Trump Administration’s efforts “to repeal and replace the Affordable Care Act,” combined with the decisions of Anthem and Prominence Health Plan to withdraw from offering individual coverage, have unsettled Nevada’s insurance markets. The article says “as individual plans dry up and rates spike,” more small businesses are inquiring about providing healthcare coverage for employees, with one benefit solutions consultant saying, “Employer plans are the only place they can get decent rates and access.” The consultant also indicated that “the […]

Anthem to pare back Obamacare offerings in Nevada and Georgia

(Reuters) – U.S. health insurer Anthem Inc (ANTM.N) said on Monday it will no longer offer Obamacare plans in Nevada’s state exchange and will stop offering the plans in nearly half of Georgia’s counties next year.
The moves come after Republican senators last month failed to repeal and replace Obamacare, former President Barack Obama’s signature healthcare reform law, creating uncertainty over how the program providing health benefits to 20 million Americans will be funded and managed in 2018.
Hundreds of U.S. counties are at risk of losing access to private health coverage in 2018 as insurers consider pulling out of those markets […]