#ACA Health Insurance Leads

[digitalsanshta]

Unlocking the Potential of ACA Health Insurance Leads with Thelivelead

In today’s competitive health insurance market, finding high-quality leads is more important than ever. With the Affordable Care Act (ACA) continuing to shape the landscape of health insurance in the United States, the demand for ACA-compliant plans remains strong. At Thelivelead, we specialize in providing ACA health insurance leads that connect you with potential clients actively seeking coverage. In this blog, we’ll explore the importance of ACA health insurance leads, how Thelivelead generates these leads, and the benefits of partnering with us.

Understanding ACA Health Insurance Leads

ACA health insurance leads are prospective clients who have shown interest in ACA-compliant health insurance plans. These leads are pre-qualified, meaning they have already demonstrated a need for health insurance and are ready to discuss their options with an agent. Understanding the nuances of these leads is crucial for any health insurance provider looking to expand their client base.

The Importance of ACA Health Insurance Leads

The ACA has made health insurance accessible to millions of Americans who were previously uninsured. As a result, there is a significant market for ACA-compliant plans. However, reaching these potential clients can be challenging. This is where ACA health insurance leads come into play. By targeting individuals who are actively seeking ACA-compliant plans, you can focus your efforts on high-quality prospects, increasing your chances of conversion and ultimately growing your business.

How Thelivelead Generates High-Quality ACA Health Insurance Leads

At Thelivelead, we use a multi-step process to ensure you receive the best leads. Our approach combines advanced technology with a deep understanding of the health insurance market to deliver leads that are both high-quality and highly relevant.

1. Lead Generation

Our lead generation process begins with identifying potential clients through various marketing channels. These channels include online ads, social media campaigns, search engine marketing, and more. By casting a wide net, we can reach a diverse audience of individuals who may be interested in ACA-compliant health insurance plans.

2. Initial Screening

Once potential leads are identified, our automated systems or call centers screen them to verify their interest and eligibility for ACA health insurance. This initial screening process ensures that only the most promising leads move forward, saving you time and effort.

3. Live Transfer

Qualified leads are transferred directly to your phone line in real-time, allowing for immediate engagement. This live transfer process is a key component of our service, as it enables you to speak with prospective clients at the moment they express interest, capitalizing on their immediate need and curiosity.

Benefits of Using Thelivelead’s ACA Health Insurance Leads

Partnering with Thelivelead offers numerous benefits for health insurance providers. Here are some of the key advantages:

1. High Conversion Rates

Our leads are pre-qualified and transferred in real-time, increasing the likelihood of conversion. By focusing on individuals who have already expressed interest in ACA-compliant plans, you can maximize your chances of closing the deal.

2. Immediate Engagement

Speaking with prospective clients at the moment they express interest allows you to capitalize on their immediate need and curiosity. This immediate engagement can lead to higher conversion rates and a more efficient sales process.

3. Enhanced Productivity

By focusing your efforts on high-quality prospects, you can reduce the time spent on cold calls and unqualified leads. This enhanced productivity allows you to allocate your resources more effectively, ultimately leading to better results.

4. Better Client Experience

Providing a seamless and efficient experience for prospective clients can lead to higher satisfaction and trust. When clients feel that their needs are being met promptly and professionally, they are more likely to choose your services and recommend you to others.

Why Choose Thelivelead?

There are many reasons to choose Thelivelead for your ACA health insurance lead needs. Here are just a few:

Expertise

Our team specializes in live leads, ensuring you connect with the best potential customers. With years of experience in the health insurance industry, we understand the unique challenges and opportunities that come with ACA-compliant plans.

Efficiency

We handle the screening process, so you only engage with interested and qualified leads. This efficiency allows you to focus on what you do best – providing excellent health insurance solutions to your clients.

Customization

Our services are tailored to meet the specific needs of your industry. Whether you’re a small agency or a large provider, we can customize our lead generation process to fit your unique requirements.

Case Study: Success with Thelivelead

To illustrate the impact of our services, let’s look at a case study of a health insurance provider who partnered with Thelivelead.

The Challenge

A mid-sized health insurance agency was struggling to find high-quality ACA health insurance leads. Their traditional marketing efforts were not yielding the desired results, and they were spending too much time on unqualified leads.

The Solution

The agency decided to partner with Thelivelead to improve their lead generation process. We implemented our multi-step approach, focusing on online ads, social media campaigns, and search engine marketing to identify potential clients.

The Results

Within just a few months, the agency saw a significant increase in high-quality leads. Their conversion rates improved, and they were able to allocate their resources more effectively. The immediate engagement with prospective clients led to higher satisfaction and trust, ultimately resulting in increased business growth.

[theliveleads]

In the dynamic landscape of the healthcare industry, navigating through the intricate web of insurance leads can be a daunting task.

[readandwriteclub]

As if gun violence and school shootings, as J.D. Vance succinctly said, "are a fact of life." (True.)

The celebration of this fact of life happening to somebody who, regardless of your moral system or ethics, has indeed profited insanely from the prolonged suffering of thousands and thousands of our fellow human beings ($10M/annual +bonuses; deny ⅓ of all claims by the 29 million Americans who it "insures")... well, I've gotta say it's funny, poetic, and it puts me in a good mood -- and it makes the whole world 🌎 just that little bit of a better place.

[producermasterminds]

Navigating the Future of Insurance with Producer Masterminds

Tech-Driven Leads: Explore our cutting-edge technology for targeted leads.

Diverse Lead Options: Agents get varied lead options for broader reach.

Beyond Leads: Resources: Elevate sales with our comprehensive resources.

Exclusive Affiliate Program: Maximize earnings with lifetime passive commissions.

[eugenedebs1920]

Step right up folks, to the Carnival of Corruption! There’s thrills! Chills! And inevitable jail cells! The crimes a fraud a minute here at the Carnival of Corruption!

We start with the head of this 3 ring circus, the man with the tiny hands! The orange Cheeto crusted Jesus himself! Convicted rapist, fraudster and insurrectionist! The dumb, the only!…. Donald J Trump!!!

Our felonious circus leader has 34 felony convictions, he’s been convicted of sexual assault, robbed his own charity, the master of business fraud and tax fraud, an incompetent liar and complete racist as*hole, this man makes Bernie Madoff look legitimate. The irreparable damage he has caused to the United States will be felt for decades to come! The installation of 3 Supreme Court justices, ranging from religious extremists, to fellow sexual assailants, was instrumental in his rise back to power when, as it turns out, the “conservative” judges in SCOTUS, don’t know how to read. When the ruling in Trump v Anderson was ruled in favor of Trump, allowing an insurrectionist access to the ballot. Going in direct contrast to the 14th amendment section 3. It’s nice to have skeezy friends in high places.

We turn our sights now to the second in command. A guy that wears more eyeliner than Liza Minnelli, JD (Jerkin Dudes) Vance. No major scandals (yet) to speak of, but what a prick! A man who called out our circus leader as “Americas Hitler” and berated single women who love cats, this jerk has close ties with billionaire Peter Thiel, who financed the most expensive senatorial campaign at the time to get Vance elected to the Senate from the “great” (🙄) state of Ohio. With the top of the ticket this fantastic, how did they not win by an even higher margin!? It absolutely nuts!! 🤔😐

Next we have Susie Wiles as White House chief of staff. This longtime lobbyist, and swamp creature, can be credited with getting the worst of the worst elected. From Ron DeSanctimonious, the the Mandarin Mussolini himself, Wiles is the definition of the swamp.

For Secretary of State there’s Little Marco Rubio. He may be the most “qualified”, one could say, of Trump’s cabinet picks. Our mousey little buddy has time and time again shown his lack of conviction on anything. If he was any worse in personal integrity he’d give Lindsey Graham a run for his money.

Look up in the sky, it’s a bird, a plane? No! It’s Pam Bondi on the corruption trapeze! Switching spots with the sleaze bag, child rapist, Matt Gaetz, her cronieism earns her the spot tightrope walking as Trump’s Attorney General. As she swings from on high with former positions where in 2012 she was the lead attorney in Florida trying do overturn the Affordable Care Act (ACA)! Her, along with 19 other Republican led states sued in 2018 to overturn the provision in ACA that bans insurance companies from denying people with pre existing conditions, or raising their premiums due to them. Real lady for the people folks! The entire Republican Party seems to give zero sh*ts for regular working class people. As long as that black guy who was president legacy is discredited and looked down upon, that seems to be all that matters to them.

Bondi also has daredevil stances on opposing same sex marriages, she’s had interesting donation scandals as well. Rulings and cases that had mutual benefits for both the Circus Ringleader Tangerine Tubbster and herself. Complete loyalty to the top circus clown is the main qualification.

This brings us to our next attraction as head of Health and Human Services (HHS), the man who’s destroying the legacy of his family’s name. A man whose brain was partially eaten by a worm. His voice makes anyone uncomfortable, and he’ll saw and take home all sorts of roadkill. A guy who has more skeletons in his closet than a taxidermist, which he seems to want to be! The babysitter molesting, antivaxer himself, Robert F Kennedy Jr.

His anti vaccine stance is solely responsible for a measles outbreak in the pacific that killed hundreds. His too priority as head of HHS seems to be removing fluoride from the water supply. A credit to Americans oral health in comparison to the rest of the world. If conspiracy theories were wealth, he’d be a rich man. Oh wait! He already is. With his anti vaccine policies, no child will be safe.

Thats it for now folks! With more to come! There’s plenty of entertainment to go around in this 3 ring circus! So stay tuned. And catch us next time on the, Carnival of Corruption!!!l

[dreaminginthedeepsouth]

deAdder

* * * *

Jim Wright

Trump has nominated Robert F. Kennedy Jr., a conspiracy nut and rabid anti-vaxxer, to lead the Department of Health and Human Services.

RFK Jr has a long, long history of insane, counterfactual, completely wrong, and at best misleading claims regarding vaccines. I don't thinks he's every said a single word about vaccines that was correct. There isn't an unhinged vaccine conspiracy theory Kennedy doesn't love and believe whole hog.

He's lost literally hundreds of lawsuits over vaccines.

But NOW he's going be in charge of vaccination for the entire country.

We're literally going to put the biggest nut in the booby hatch in charge, and we're going to lock up all the doctors.

Guess Liberals should have shown up, eh? Then again, anti-vax conspiracy theories have long been a popular bugaboo on the far left, which is where Kennedy himself came from, so maybe the Left is getting exactly what it wanted after all.

Be that as it may, or may not be, Kennedy has said the government won't out and out outlaw vaccines, but will just make it so they aren't mandated.

Vaccines won't be mandatory and no one from schools to employers to the military will be able to make them so.

(You probably don't want to spend too much time imagining the massive vulnerability any unvaccinated military will face in a battlespace where disposable $100 drones can easily spray biological agents over wide areas...)

Anyway, you'll still be able to get your family vaccinated.

But your insurance won't cover it.

Oh, you didn't think about THAT, did you?

Yeah, if vaccines aren't mandatory, AND the government agency tasked with certifying their effectiveness is run by a bunch of drooling lunatics who think Froot Loops make kids gay or something, well, then there isn't any way in hell that your insurance company is going to pay for them. Especially when they repeal the ACA slash Obamacare.

In practical terms what this means is that ONLY the rich will be fully vaccinated.

And the poor will be ravaged by disease.

Oh, and it's not just going to be measles, mumps, polio, whooping cough, flu, COVID, etc. No no. It'll be the classics like cholera and typhus too, because Trump, RFK, and the new Department of Government Efficiency run by Vivek Ramaswamy and Elon Musk, are ALSO going to get rid of health inspectors, you know, the people who make sure your food isn't contaminated by rat flees or your drinking water doesn't have human shit in it.

Don't worry, I'm sure the Free Market will sort it out soon enough, and at a profit too.

When Trump said make America like the 1700s again, Buddy, he wasn't kidding

[lumsel]

I’m going to be frank, I think you’re a moral monster and a disgusting piece of shit.

American healthcare doesn’t suck because of Brian Thompson. Even if, by some Rube Goldberg series of escalating events, his assassination causes the ACA to be repealed and replaced, that will not justify murdering him.

Same with Shinzo Abe. Abe was barely tangentially related to the complaints of the subhuman freak who killed him. And what is the “good” which came out of mutilating a beloved individual in front of his wife and children? His mother, still alive, forced to bury her child? What good did it lead to? A few reforms on the laws surrounding financial donations? Fuck you, Shinzo Abe’s life was worth more than that.

By your insane logic, any murder that creates a dramatic example is an inherent good. Fuck you. Go self-immolate in public if you feel so strongly about that

I don't really subscribe to the idea that some people are just fundamentally morally tainted, in your words "subhuman freaks", although I do find it interesting that your own worldview is so selective. The American health insurance industry is a horrific maelstrom of human suffering. These are the guys who just arbitrarily deny one third of all claims in the hopes that the patients just don't contest them. How many mothers had to bury how many sons because of the actions undertaken by the united states healthcare industry? Do they not factor into your calculus? Abe's shooter himself had to bury his own mother because of the Moonie cult. What was her life worth? Now there's articles in the news, they're talking about disbanding the cult altogether. How many lives might be saved by that? Maybe that's a grim tally to make, but can we really wash our hands of it while we support a system that drives that suffering in the first place?

Of course, I get some vibes from your writing that you and I would disagree on a lot more than that. "Repeal and replace the ACA" is a very interesting way to describe healthcare reform. The only guys who talk about it like that are, like, republican senators and their cheerleaders. Something tells me you think of violence as something caused by individual actors with twisted souls and not from pervasive structural issues. I don't think you have a problem with killing. I think your only issue is that we should be killing the people who "deserve to die".

I'll accept critique on my own personal moral philosophy, god knows there's some flaws there. But I really would prefer it came from someone smarter than you.

[odinsblog]

If you’ve gotten a free flu shot, mammogram or diabetes screening lately, there’s a good chance you can thank the Affordable Care Act (ACA), aka Obamacare. Unfortunately, a recent court decision may take that coverage away from millions of Americans.

Some 20–40 percent of U.S. deaths from cancer, heart disease and other leading causes of mortality are preventable. Preventive health services can ward off disease entirely, or detect a condition early when interventions are most effective. Before the ACA passed in 2010, insurance companies didn’t always cover preventive services, and, if they did, they could make enrollees pay deductibles, co-payments or other out-of-pocket cost sharing. So Congress required most private health insurance plans to cover a set recommended by the U.S. Preventive Services Task Force (USPSTF) and several other expert bodies. Most Americans with private health insurance—estimated at over 150 million people—are enrolled in plans that have had to meet these coverage requirements. And as the ACA’s drafters had hoped, expanding no-cost coverage led millions more people to use many of these important services.

Unfortunately, two ongoing crusades—one to weaken the ACA and the other to impose certain religious views on other people’s health care—might roll back this health care success. In late March, federal judge Reed O’Connor, whose courtroom is a popular venue for anti-Obamacare plaintiffs, issued a ruling in Braidwood v. Becerra that blocked a portion of the act’s prevention services provision nationwide.

O’Connor’s order, if upheld, will have antiscientific and deeply discriminatory effects on Americans’ access to health care.

(continue reading)

[thirddeadlysin]

hey friends! have you heard? public health scotland announced that they've found no cases of cervical cancer in women who were fully vaccinated against HPV

great news for those scottish women, but it's great news for people of all genders! because all genders can be vaccinated against HPV, which causes head, neck, mouth, throat, cervical, anal, and penile cancers, and this specific vaccination prevents something like 45-100% of HPV-positive cancers

in the US, all genders are eligible for vaccination to age 45 (and you may be able to be vaccinated beyond that by a well-educated and understanding pharmacist or doctor). you can be vaccinated even if you've had HPV because the latest shot protects against 9 different strains!

most insurance in the US will pay for the vaccine (it's 3 jabs over 6 months or so) because it's preventative and preventative treatment coverage is mandated by the ACA/Obamacare

this verywell health post is a good resource if you have questions!

unfortunately i don't know much about eligibility or availability in other countries but would absolutely welcome more info from people who do!!

cervical cancer is one of the leading causes of death in young people with cervixes worldwide, but HPV also causes debilitating and fatal cancers of the mouth, throat, ass, and penis. since nearly three out of every four people will contract HPV by age 40, with this one vaccine we have the ability to basically wipe out almost all of the cancers it causes

[readingsquotes]

At the last minute, Harris added expanding Medicare to cover some home care and addressing the high costs of ambulance rides, into her platform. But it was too little, too late. (Notably, Harris backed Medicare for All during her 2020 campaign.)

“I think the result of elections around the world have shown that ‘back to normal’ messaging was ineffective, with many incumbent governments losing office in large part due to a failure in acknowledging people’s pain and providing real plans to help people in the long term,” said Tran.

Trump’s brand of economic populism appealed to voters who are hoping for something different. But if things were already bad when it comes to health care, public health agencies, and health research, they are bound to get worse over the next four years. 

“A second Trump presidency will erode essential public health and health care infrastructure, increase distrust in science and public health, and will put many people at greater risk of death and serious illness,” Tran warned.

Though Trump is no longer saying he necessarily wants to repeal the ACA—and is in fact now taking credit for “saving” it (um, OK), he can still do a ton of damage to this important health insurance program. For example, Democrats are worried about a looming expiration to ACA deductible subsidies, which make coverage possible for many, and fewer protections for people with preexisting conditions (that is to say: most people) who could not get health care before Obamacare outside of employer-sponsored plans. 

Beyond that, Trump says he’ll let Robert F. Kennedy Jr. “go wild on health” and plans to give him a high-level Cabinet role, perhaps leading the Department of Health and Human Services. Kennedy, who has zero health experience (and who once suffered from a literal brain worm) is a notorious anti-vaxxer—so much so that his views got him kicked off Facebook. An HHS under his watch would surely limit access to vaccines, leading to outbreaks of diseases we thought we left behind in the twentieth century. Even if he is unable to outright ban vaccines, his efforts would surely stigmatize and discourage them. In a time when we still need a durable, variant-proof Covid vaccine and bird flu threatens to become a new pandemic, the outcome will be devastating.

“All of the policies which make the U.S. more vulnerable to Covid will also make the U.S. less prepared for future pandemic threats like bird flu because to prevent them we need health agencies that are competent, objective, and transparent; wide access to prevention and treatment tools; and strong trust in science and public health information, all of which will be under attack by the new administration,” said Tran.

Kennedy has also pledged to cut funding to the Food and Drug Administration, the Centers for Disease Control, and National Institutes of Health, which means more public health disruptions such as listeria outbreaks, as well as inaccurate or absent public messaging about current and future diseases, and less funding for biomedical research to help us understand and treat diseases affecting millions of Americans. 

[imkeepinit]

Biden's first year

Government/Health Spending

1.9T American Rescue Plan

$1400 stimulus checks for adults, children, and adult dependants

1 year child tax credit expansion - $3600 0-5, $3000 6-17, removed income reqs and made fully refundable

One year EITC expansion

$350 billion state and local aid

$130 billion for schools for safe reopening

$40 billion for higher ed, half of which must go to student aid

Extended $300 supplemental UI through September 2021

Expanded eligibility for extended UI to cover new categories

Made $10,200 in UI from 2020 tax free

$1B for Head Start

$24B Childcare stabilization fund

$15B in low-income childcare grants

One Year Child and Dependent Care credit expansion

$46.5B in housing assistance, inc:

$21.5B rental assistance

$10B homeowner relief

$5B for Sec 8 vouchers

$5B to fight homelessness

$5B for utilities assistance

Extended Eviction moratorium through Aug 2021 (SC struck down)

2 year ACA tax credit expansion and ending of subsidy cliff – expanded coverage to millions and cut costs for millions more

100% COBRA subsidy through Sept 30th, 2021

6 month special enrollment period from Feb-Aug 2021

Required insurers to cover PrEP, an HIV prevention drug, including all clinical visits relating to it

Extended open enrollment from 45 to 76 days

New year round special enrollment period for low income enrollees

Restored Navigator program to assist with ACA sign up

Removed separate billing requirement for ACA abortion coverage

Eliminated regulation that allows states to privatize their exchanges

Eliminated all Medicaid work requirements

Permanently removed restriction on access to abortion pills by mail

Signed the Accelerating Access to Critical Therapies for ALS Act to fund increased ALS research and expedite access to experimental treatments

Rescinded Mexico City Policy (global gag rule) which barred international non-profits from receiving US funding if they provided abortion counseling or referrals

Allowed states to extend coverage through Medicaid and CHIP to post-partum women for 1 year (up from 60 days)

Judicial

42 Lifetime Federal judges confirmed – most in 40 years

13 Circuit Court judges

29 District Court judges

Named first openly LBGTQ woman to sit on an appeals court, first Muslim American federal judge, and record number of black women and public defenders

Infrastructure

$1.2T infrastructure law, including $550B in new funding

$110B for roads and bridges

$66B for passenger and freight rail

$39B for public transit, plus $30.5B in public transit funds from ARP

$65B for grid expansion to build out grid for clean energy transmission

$50B for climate resiliency

$21 for environmental remediation, incl. superfund cleanup and capping orphan wells

$7.5B for electric buses

$7.5B for electric charging stations

$55B for water and wastewater, including lead pipe removal

$65B for Affordable Broadband

$25B for airports, plus $8B from ARP

$17B for ports and waterways

$1B in reconnecting communities

Environmental

Rejoined the Paris Climate Accords 50% emission reduction goal (2005 levels) by 2030

EO instructing all federal agencies to implement climate change prevention measures

Ordered 100% carbon free electricity federal procurement by 2030

100% zero emission light vehicle procurement by 2027, all vehicles by 2035

Net Zero federal building portfolio by 2045, 50% reduction by 2032

Net Zero federal procurement no later than 2050

Net zero emissions from federal operations by 2050, 65% reduction by 2030

Finalized rule slashing the use of hydrofluorocarbons by 85% by 2036 – will slow temp rise by 0.5°C on it’s own.

Set new fuel efficiency standards for cars and light trucks, raising the requirement for 2026 from 43mpg to 55mpg.

Protected Tongass National Forest, one of the world’s largest carbon sinks, from development, mining, and logging

Revoked Keystone XL permit

Used the CRA to reverse the Trump administration Methane rule, restoring stronger Obama era standards.

EPA proposed new methane rule stricter than Obama rule, would reduce 41 million tons of methane emissions by 2035

Partnered with the EU to create the Global Methane Pledge, which over 100 countries have signed, to reduce methane emissions by 30% by 2030 from 2020 levels

US-EU trade deal to reward clean steel and aluminum and penalize dirty production

Ended US funding for new coal and fossil fuel projects overseas, and prioritized funding towards clean energy projects

G7 partnership for “Build Back Better World” – to fund $100s of billions in climate friendly infrastructure in developing countries

Restoring California’s ability to set stricter climate requirements

Signed EO on Climate Related Financial Risk that instructs rule making agencies to take climate change related risk into consideration when writing rules and regulations.

$100M for environmental justice initiatives

$1.1B for Everglades restoration

$100M for environmental justice initiatives

$1.1B for Everglades restoration

30 GW Offshore Wind Plan, incl:

Largest ever offshore wind lease sale in NY and NJ

Offshore wind lease sale in California

Expedited reviews of Offshore Wind Projects

$3B in DOE loans for offshore wind projects

$230M in port infrastructure for Offshore wind

Solar plan to reduce cost of solar by more than 50% by 2030 including $128M in funding to lower costs and improve performance of solar technology

Multi-agency partnership to expedite clean energy projects on federal land

Instructed Dept of Energy to strengthen appliance efficiency rules

Finalized rule to prevent cheating on efficiency standards

Finalized rule to expedite appliance efficiency standards

Repealed Federal Architecture EO that made sustainable federal buildings harder to build

Reversed size cuts and restored protections to Bears Ears, Grand Staircase-Escalante, and Northeast Canyons and Seamounts Marine National Monuments

Restoring NEPA regulations to take into account climate change and environmental impacts in federal permitting

Extended public health emergency through at least April 15, 2022

Covid & Health

$50B in funding for FEMA for COVID Disaster Relief including vaccine funding

Set 100% FEMA reimbursement to states for COVID costs, retroactively to start of pandemic

$47.8B for testing

$1.75B for COVID genome sequencing

$8.5B to CDC for vaccines

$7.6B to state and local health depts

$7.6B to community health centers

$6B to Indian Health Services

$17B to the VA, including $1B to forgive veteran medical debt

$3B to address mental health and substance abuse

Over 500 million vaccine shots administered in a year

Established 90,000 free vaccination sites

Raised federal reimbursement from $23 to $40 per shot for vaccine sites

6000 troops deployed for initial vaccination

Cash incentives, free rides, and free childcare for initial vaccination drive

400 million vaccines donated internationally, 1.2 billion committed

$2B contribution to COVAX for global vaccinations

Funded expansion of vaccine manufacturing in India and South Africa

Implemented vaccine mandate for federal employees, contractors, and employees at healthcare providers that receive Medicare/Medicaid funding.

Implemented vaccine/test mandate for large businesses (SC struck down)

Invoked DPA for testing, vaccine, PPE manufacturing

Federal mask mandate for federal buildings, federal employees, and public transportation

Implemented test requirement for international travel

Implemented joint FDA-NIH expedited process to approve at home tests more quickly

Over 20,000 free federal testing sites

8 at home tests per month required to be reimbursed by insurance

1B at home tests available for free by mail

50M at home tests available free at community health centers

25M high quality reusable masks for low-income residents in early 2021

400M free N95 masks at pharmacies and health centers

Military medical teams deployed to help overburdened hospitals

Rejoined the WHO

Civil Rights

Ended the ban on trans soldiers in the military

Reversed Trump admin limits on Bostock ruling and fully enforced it

Prohibited discrimination against LGBTQ patients in healthcare

Prohibited discrimination against LGBTQ families in housing under the Fair Housing Act

Prohibited discrimination against LGBTQ people in the financial system to access loans or credit

Justice Department declared that Title IX prohibits discrimination based on sexual orientation and gender identity in education.

Revoked ban on Federal Diversity Training

Instructed the VA to review its policies to remove barriers to care for trans veterans

First Senate confirmed LGBTQ Cabinet Secretary

First trans person confirmed by the Senate

Extended birthright citizenship to children of same sex couples born abroad

State Department allows X gender marker on passport for non-binary Americans

Banned new contracts with private prisons for criminal prisons

Justice Department reestablished the use of consent degrees with police departments

Pattern and Practice investigation into Phoenix, Louisville, and Minneapolis

Banned chokeholds and limited no-knock raids among federal law enforcement

Initiative to ban modern day redlining

Doubled DOJ Civil Rights Division staff

Increase percentage of federal contract for small disadvantaged businesses from 5% to 15% ($100B in additional contracts over 5 years)

Sued TX and GA over voting laws. Sued TX over abortion law. Sued GA over prison abuse.

Signed law making Juneteenth a federal holiday

Signed EO to use the federal government to improve voting access through federal programs and departments.

Signed COVID-19 Hate Crime Act, which made more resources available to support the reporting of hate crimes

Signed EO for diversity in the federal workplace

Increased federal employment opportunities for previously incarcerated persons

Public Security

Banned ghost guns

New regulations on pistol-stabilizing braces

First annual gun trafficking report in 20 years

New zero tolerance policy for gun dealers who wilfully violate the law

Signed COPS act, ensuring confidentiality for peer counselling for police officers

Signed Protecting America’s First Responders Act, expediting benefits for officers disabled in the line of duty

Signed bill making it a crime to harm US law enforcement overseas

Student Loans

Student loan freeze through April 30th, 2022

Changed criteria so an additional 1.14M borrowers qualified for the loan pause (retroactively forgave interest and penalties)

Forgiven $11.5B in student loans for disabled students, students who were defrauded, and PSLF

Fixed PSLF so that it is much easier for previous payments to apply. Determined that the paused months will apply to PSLF

Student loan debt forgiveness is tax free through 2025

Immigration

Ended Border Wall emergency and cancelled all new border wall construction and contracts

Repealed Trump’s Muslim Ban

Set FY 2022 refugee cap to 125,000, the highest in almost 30 years

Prohibiting ICE from conducting workplace raids

Family reunification taskforce to reunite separated families. Reunited over 100+ families and gave them status to stay in US

Granted or extended TPS for Haitians, Venezuelans, Syrians, and Liberians

Lifted moratorium on green cards and immigrant visas

Ended use of public charge rule to deny green cards

Loosened the criteria to qualify for asylum

Changed ICE enforcement priorities

Re-initiated the CAM Refugee program for Northern Triangle minors to apply for asylum from their home countries

$1B+ in public aid and private investment for addressing the root causes of migration

Ended family detention of immigrants and moved towards other monitoring

HHS prohibited working with ICE on enforcement for sponsors of unaccompanied minors

Got rid of harder citizenship test

Allowed certain visas to be obtained without an in person consulate interview

Rescinded “metering” policy that limited migrants at ports of entry

Foreign Relations

Ended the War in Afghanistan

First time in 20 years US not involved in a war

Ended support for Saudi offensive operations in Yemen

Airstrikes down 54% in 2021 from 2020.

Issued policy restricting drone strikes outside of warzones

Restored $235M in aid to Palestinians

AUKUS defense pact with Australia and UK

New rules to counter extremism within the military

Signed law funding capitol police and Afghan Refugees

EO on competitiveness to write consumer friendly rules, such as right to repair

EO on improving government experience, incl

Social Security benefits will be able to be claimed online

Passports can be renewed online

General

Makes it easier for low-income families to apply for benefits

Increase telehealth options

WIC recipients can use benefits online

$7.25B in additional PPP funds

Signed PPP extension law to extend the program for 2 months

Changed criteria to make it easier for small and minority businesses to qualify for PPP loans

$29B Restaurant Recovery Fund to recover lost revenue

$1.25B Shuttered Venue fund

$10.4B for agriculture

30 year bailout of multi-employer pension funds that protects millions of pensions through 2051.

Pro-labor majority appointed to NLRB

Established task force to promote unionization

Restored collective bargaining right for federal employees

Negotiated deal for West Coast Ports to run 24/7 to ease supply chain

Signed EO to secure and strengthen supply chains

Investing $1B in small food processors to combat meat prices

Extended 15% SNAP benefit increase through Sept 30, 2021

Made 12 million previously ineligible beneficiaries eligible for the increase

Public health emergency helps keep benefits in place

Largest permanent increase in SNAP benefit history, raising permanent benefits by 27% ($20B per year)

Made school lunches free through for all through the 2021-2022 school year

Extended the Pandemic EBT program

Largest ever summer food program in 2021 provided 34 million students with $375 for meals over the summer.

[mariacallous]

Editor’s Note:This paper is part of the USC-Brookings Schaeffer Initiative for Health Policy, which is a partnership between the Economic Studies Program at Brookings and the USC Schaeffer Center for Health Policy & Economics. The Initiative aims to inform the national health care debate with rigorous, evidence-based analysis leading to practical recommendations using the collaborative strengths of USC and Brookings. This work was supported by a grant from the Robert Wood Johnson Foundation.

At present, 11 states have declined to expand Medicaid to all people with incomes below 138% of the federal poverty level (FPL), as permitted under the Affordable Care Act (ACA). In these states, adults with incomes below 100% of the FPL typically lack access to subsidized health insurance coverage.[1] Adults with incomes between 100 and 138% of the FPL are eligible for subsidized coverage through the ACA Marketplaces, but face higher cost-sharing and, prior to recent legislation, higher premiums than they would in Medicaid. These states’ decisions are estimated to have reduced coverage by 3.7 million people, while worsening financial security, access to health care, and health outcomes, including mortality.

In 2021 and 2022, Congress considered two ways of addressing these gaps in coverage but did not enact either. The first was for the Centers for Medicaid Services (CMS) to operate a “federal Medicaid program” in the non-expansion states that would, in effect, directly substitute for the missing state Medicaid expansion. The second, which was passed by the House of Representatives, was to extend eligibility for subsidized Marketplace coverage to people below the poverty line, while modifying how Marketplace coverage functions for people below 138% of the FPL to make it more “Medicaid-like.”

The analysis considers the relative merits of these two approaches, with the goal of helping policymakers choose between them if the Medicaid coverage gap returns to Congress’ agenda in the future. I compare the approaches along four dimensions that would be central to policymakers’ decisions: (1) number of people covered; (2) quality of coverage; (3) per enrollee fiscal cost; and (4) ease of implementation.

My overarching conclusion is that these two approaches are similar. Both would ensure that people with incomes below 138% of the FPL are eligible for zero- (or near-zero) premium coverage that covers a broad set of services with minimal cost-sharing; as such, either would largely or entirely fill the gaps left by state decisions not to expand Medicaid.[2] However, there are also differences worth considering along each of the four dimensions listed above. The nature of those differences would depend on the details of each legislative proposal and CMS’ implementation decisions, and it appears unlikely that either approach would outperform the other on all four dimensions. In brief:

Number of people covered: Without changes to the Marketplace enrollment process, enrolling in coverage would likely be harder under a Marketplace-based approach due to the need to select a plan and, in some cases, pay a premium. The House-passed Marketplace-based approach also lacked the “retroactive�� coverage for care received before enrollment that would be available under a federal Medicaid program. These downsides of a Marketplace-based approach could, in principle, be mitigated with small changes to the House-passed bill and thoughtful implementation decisions. On the other hand, relying on a federal Medicaid program would require enrollees to transition between coverage programs when their income crossed 138% of the FPL. This eligibility “seam” could cause coverage disruptions that would not occur under a Marketplace-based approach. These disruptions would likely be hard to fully avoid under a federal Medicaid program.

Quality of coverage: If a federal Medicaid program emulated state Medicaid programs, then it might offer somewhat narrower provider networks and more restrictive drug coverage than a Marketplace-based approach. However, CMS could also implement a federal Medicaid program in ways that would make it much more generous than a Marketplace-based approach along these dimensions, as well as opt to cover additional services that Marketplace plans do not typically cover. Another consideration is that a Marketplace-based approach would likely offer enrollees more plan options and, thus, allow some enrollees to select plans that better matched their needs; however, this would come at the cost of placing enrollees in a more complex choice environment that could lead other enrollees to choose plans that poorly matched their needs.

Per enrollee fiscal cost: A federal Medicaid program would pay health care providers and drug manufacturers lower prices than Marketplace plans, as it would have many tools to limit prices that Marketplace plans lack. A reasonable estimate (derived below) is that these price differences would reduce the per enrollee fiscal cost of a federal Medicaid program by one-quarter to one-third relative to a Marketplace-based approach, depending on how CMS implemented a federal Medicaid program. If they wished, legislators could “claw back” some of the higher prices paid to providers and manufacturers under a Marketplace-based approach, such as by reducing payments to hospitals intended to cover uncompensated care costs or extending Medicaid-like drug rebates to Marketplace enrollees who would be eligible for Medicaid under expansion. Utilization could also differ between a federal Medicaid program and a Marketplace-based approach. However, the direction of those differences would likely depend on decisions CMS made about provider networks and utilization controls under a federal Medicaid program.

Ease of implementation: A Marketplace-based approach would be easier to implement than a federal Medicaid program because it could rely heavily on existing infrastructure, whereas a federal Medicaid program would need to create new systems to perform many core functions, such as regulating and contracting with managed care plans. As a result, a Marketplace-based approach could likely be at least partially implemented in a matter of months, whereas it might take years for a federal Medicaid program to begin offering coverage.

The discussion above implies that policymakers’ choices between the two approaches would depend on how much weight they assigned to each of these four dimensions, as well as the details of each legislative proposal and CMS’ implementation decisions. For example, a policymaker who prioritized maximizing the number of people covered might prefer a federal Medicaid program if CMS maintained current Marketplace enrollment process. But the same policymaker might prefer a Marketplace-based approach if the House bill was amended to add retroactive coverage and CMS improved the Marketplace enrollment process since a Marketplace-based approach could be implemented faster and would avoid an eligibility “seam” at 138% of the FPL. Similarly, a policymaker who prioritized maximizing the quality of the coverage enrollees received might prefer a Marketplace-based approach if CMS implemented a federal Medicaid program in ways that emulated state Medicaid programs, but hold the opposite view if CMS made implementation decisions that caused a federal Medicaid program to provide more generous coverage.

Closely related, this discussion shows that lawmakers, CMS, or both would have important choices to make if either approach returned to the forefront. Notably, legislative changes to the House-passed bill, including the addition of retroactive coverage or provisions to “claw back” revenue from providers or manufacturers, could improve its performance along some of the dimensions examined here. For its part, CMS would face consequential implementation decisions, particularly regarding the enrollment process under a Marketplace-based approach and coverage quality under a federal Medicaid program.

The remainder of this analysis presents an overview of the two approaches to addressing the coverage gap and then a detailed analysis of how they compare along the dimensions enumerated above.  

[producermasterminds]

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[dreaminginthedeepsouth]

Chris Hayes: “This is one of the most impressive macroeconomic interventions in recent American history—and if we end up in 2024 with these trends continuing, Joe Biden has one of the best economic stories to tell of any president in the last century.” Yes. The bottom line is that America right now has the best performing economic it has had since Dwight David Eisenhower was president—yet very few Americans have an inkling of this fact. They're all concerned about inflation and a recession that aren't happening.

* * * *

Bidenomics is the new Obamacare.

ROBERT B. HUBBELL

JUN 29, 2023

         Part of the GOP effort to disparage the Affordable Care Act (ACA) was to tie the program specifically to President Obama by creating the label “Obamacare.” Originally intended as an insult, “Obamacare” has now become synonymous with “access to health insurance.” Although Republicans have stubbornly refused to acknowledge the success of Obamacare (even as they depend on its benefits), “Obamacare” is now viewed favorably by 60% of all American adults—the high-water mark for almost any policy in our fractious society. See KFF Health Tracking Poll: The Public’s Views on the ACA.

          So, too, with “Bidenomics”—a term created by Republicans to tie Biden to inflation and high gas prices. But as the economy has continued a historic stretch of expansion and improvement—especially for middle-class Americans, Biden has embraced the term “Bidenomics” as a badge of honor. As they say, “Eighty is the new sixty” and “Bidenomics is the new Obamacare.”

          On a day when President Biden gave a major speech in Chicago embracing the term Bidenomics, the White House released a brag sheet entitled, “Bidenomics Is Working: The President’s Plan Grows the Economy from the Middle Out and Bottom Up—Not the Top Down.” The press release described Bidenomics as follows:

[Bidenomics] is an economic vision centered around three key pillars:

Making smart public investments in America

Empowering and educating workers to grow the middle class

Promoting competition to lower costs and help entrepreneurs and small businesses thrive

While our work isn’t finished, Bidenomics is already delivering for the American people. Our economy has added more than 13 million jobs—including nearly 800,000 manufacturing jobs—and we’ve unleashed a manufacturing and clean energy boom. There were more than 10 million applications for new small businesses filed in 2021 and 2022—the strongest two years on record. America has seen the strongest growth since the pandemic of any leading economy in the world. Inflation has fallen for 11 straight months and has come down by more than half. And we have done it all while responsibly reducing the deficit. President Biden believes in a fundamentally different approach. Under Bidenomics, he has proven that we can make smart investments in the American people while reducing the deficit by ensuring the wealthy and large corporations pay their fair share in taxes, closing wasteful tax loopholes, and slashing wasteful spending on special interests.

          It is worth ten minutes of your time to read the entire press release—its content will become the substance of Biden’s campaign pitch for 2024.

          Dan Pfeiffer of Pod Save America posted an analysis with charts and graphs in an accessible, shareable format. See Dan Pfeiffer, The Message Box, The Biden Economy: What You Need to Know. Pfeiffer distills Bidenomics to the following:

Inflation is down.

Jobs are up.

Manufacturing is back.

Consumer confidence is up.

Republicans want more tax cuts for the wealthy.

          E.J. Dionne Jr. penned an op-ed in WaPo that described the quiet revolution of Bidenomics, If ‘Bidenomics’ works, it will be a very big deal. Dionne writes:

“President Biden might not seem like a revolutionary, but he is presiding over a fundamental change in the nation’s approach to economics. Not only is he proposing a major break from the “trickle-down” policies of Ronald Reagan, as Biden highlighted in a speech in Chicago on Wednesday. He is also departing from many orthodoxies that shaped the presidencies of Democrats Bill Clinton and Barack Obama. “Government is no longer shying away from pushing investment toward specific goals and industries. Spending on public works is back in fashion. New free-trade treaties are no longer at the heart of the nation’s international strategy. Challenging monopolies and providing support for unionization efforts are higher priorities.

          “On Wednesday [in his Chicago speech], he stressed they are producing well-paying jobs for those who have been on the short end of economic growth: Americans without college degrees and those living in places with “hollowed out” economies.”

          One sure sign that Bidenomics is working is that Republicans who opposed Biden’s signature legislative achievements are now trying to take credit for those accomplishments. Republican Senator Tommy Tuberville tweeted to his constituents,

“Broadband is vital for the success of our rural communities and for our entire economy. Great to see Alabama receive crucial funds to boost ongoing broadband efforts.”

          Senator Tuberville twice voted against the Biden bill containing funds for broadband in rural areas. President Biden responded to the Tuberville tweet with his own tweet, saying “See you at the groundbreaking.”

          Despite the successes of Bidenomics, it is difficult for the slow work of rebuilding the economy to rise above the daily drama of Russian rebellions, Trump indictments, and new tragedies involving the Titanic. Each of us should help spread the word of Biden’s successes. Sharing Dan Pfeiffer’s article (above) is a good place to start. And Simon Rosenberg’s Hopium Chronicles is always a reliable source of data and talking points relating to Democratic successes. Don’t be shy about sharing the good news of Bidenomics!

[Robert B. Hubbell]

[enterprisechronicles]

Healthcare Policy and Regulation: An Overview

Source: DragonImages

Healthcare policy and regulation form the backbone of a country’s healthcare system, shaping how services are delivered, funded, and accessed. As societies evolve, so do the healthcare needs of their populations, necessitating continuous adjustments to policies and regulations. This article delves into the nuances of healthcare rules and regulations, exploring their significance, key components, and the impact they have on public health.

Understanding Healthcare Policy

At its core, healthcare rules and regulations refer to the decisions made by government bodies and other stakeholders that dictate how healthcare services are organized, delivered, and financed. This encompasses a broad range of areas, including healthcare access, quality of care, insurance coverage, and public health initiatives.

Importance of Healthcare Policy

The importance of healthcare policy and regulation cannot be overstated. These policies play a crucial role in:

Access to Care: Policies determine who can access healthcare services and under what conditions. For instance, regulations may expand access for vulnerable populations, such as low-income individuals or the elderly.

Quality of Care: Healthcare policies set standards for the quality of services provided. They establish protocols for medical practice, ensure that healthcare providers meet specific qualifications, and promote best practices in patient care.

Cost Management: Effective healthcare policy can help control costs. By regulating prices, negotiating drug costs, and implementing payment reforms, governments can work towards affordable healthcare for all.

Public Health Initiatives: Policies often focus on preventive care and public health initiatives that can lead to better health outcomes, such as vaccination programs and awareness campaigns for chronic diseases.

Components of Healthcare Policy

Healthcare policy and regulation are multifaceted, encompassing several key components:

1. Legislation

Legislation forms the foundation of healthcare policy and regulation. Laws are enacted at various levels—federal, state, and local—to address specific health issues and outline the framework for service delivery. For instance, the Affordable Care Act (ACA) in the United States aimed to increase insurance coverage and improve healthcare access.

2. Regulations

Regulations are the rules that govern the implementation of laws. They provide detailed guidelines that healthcare providers, insurers, and patients must follow. Regulatory agencies, such as the Food and Drug Administration (FDA) and the Centers for Medicare & Medicaid Services (CMS), play a critical role in enforcing these regulations.

3. Funding Mechanisms

Funding is a crucial aspect of healthcare policy and regulation. Policymakers must decide how to allocate resources for healthcare services, including public health programs, hospitals, and preventive care initiatives. This may involve budgeting at the federal and state levels and determining how much of the budget will go toward healthcare versus other areas like education or infrastructure.

4. Stakeholder Engagement

Stakeholder engagement is essential in the policymaking process. Healthcare policy and regulation often involve input from various stakeholders, including healthcare providers, patients, insurers, and advocacy groups. Engaging these parties ensures that policies reflect the needs and concerns of the population they aim to serve.

The Impact of Healthcare Policy and Regulation

The implications of healthcare policy and regulation extend far beyond administrative procedures. They affect the day-to-day experiences of patients and healthcare providers alike.

Access and Equity

One of the most significant impacts of healthcare policy is on access and equity. Effective policies can reduce disparities in healthcare access, ensuring that marginalized groups receive the services they need. For instance, policies that expand Medicaid coverage can significantly improve access for low-income individuals, leading to better health outcomes.

Quality and Safety

Healthcare policies also have a direct impact on the quality and safety of care. Regulations that mandate reporting of medical errors, for example, promote transparency and accountability among healthcare providers. Such measures encourage continuous improvement in care standards and help build public trust in the healthcare system.

Economic Impact

The economic implications of healthcare policy and regulation are profound. A well-structured healthcare policy can lead to a healthier workforce, reducing absenteeism and increasing productivity. Conversely, ineffective policies can strain the economy through increased healthcare costs and decreased productivity due to poor health outcomes.

Challenges in Healthcare Policy and Regulation

Despite the importance of healthcare policy and regulation, various challenges exist that can hinder progress:

1. Political Dynamics

The political landscape can significantly influence healthcare policy. Shifting political priorities may lead to changes in regulations, potentially disrupting established systems. For example, changes in administration can result in the repeal or modification of existing healthcare laws, leading to uncertainty for providers and patients.

2. Technological Advancements

Rapid technological advancements present both opportunities and challenges for healthcare policy and regulation. While technology can improve care delivery and patient outcomes, it also necessitates the development of new regulations to ensure patient privacy and safety. Policymakers must balance innovation with the need for oversight and accountability.

3. Public Resistance

Public resistance to healthcare policy changes can also pose challenges. Efforts to implement new regulations may face opposition from various groups, particularly if they perceive potential negative impacts on access or affordability. Policymakers must engage in transparent communication and education to address concerns and foster public support for new initiatives.

The Future of Healthcare Policy and Regulation

As we look to the future, the landscape of healthcare policy and regulation will continue to evolve. Key trends likely to shape the future include:

1. Emphasis on Preventive Care

There is a growing recognition of the importance of preventive care in improving health outcomes and reducing costs. Future policies may prioritize preventive services, encouraging healthier lifestyles, and early intervention for chronic diseases.

2. Integration of Technology

The integration of technology into healthcare is inevitable. Policymakers will need to establish regulations that ensure the ethical use of health data while promoting innovation in telehealth, electronic health records, and artificial intelligence.

3. Global Health Considerations

Global health challenges, such as pandemics and climate change, will influence domestic healthcare policy. Collaborative efforts to address these challenges may lead to the development of new policies that enhance healthcare resilience and preparedness.

Conclusion

In conclusion, healthcare policy and regulation are vital components of a functioning healthcare system. They shape how services are delivered, influence access and quality, and impact the overall health of the population. As we navigate the complexities of modern healthcare, continuous evaluation and adaptation of policies will be essential to meet the changing needs of society. By engaging stakeholders, addressing challenges, and embracing innovation, we can work towards a healthier future for all.

[lakeconews]

5 of the most frustrating health insurer tactics and why they exist

The U.S. has made great progress in getting more people insured since the Affordable Care Act took effect in 2014. The share of uninsured Americans ages 18 to 64 fell from 18% before the ACA to 9.5% in 2022. And preexisting conditions no longer prevent coverage or lead to an increase in premiums.