It’s time to reform accessibility to prescription drugs

By B. Douglas Hoey; The Hill ~ Sep 11, 2017

It’s time to reform accessibility to prescription drugs

Too many Americans can’t readily access or afford their prescription drugs. Pharmacy benefit managers (PBMs) play a central role in creating this dynamic.




How to talk to your family about your estate plan

By Paul A. Merriman; MarketWatch ~ Sep 06, 2017

Relationships matter more than anything else

No matter how good we are as investors, savers, planners and personal financiers, other people are almost always affected by our decisions and actions, our successes and our failures.

Quite often, the people most affected are those we care the most about. Our children and grandchildren, our spouses and partners, sometimes even our parents, all have an interest in our finances.




What To Do With An Old 401(k)

From Joel Johnson; Forbes ~ Sep 05, 2017

Many people may find themselves wondering what to do with a 401(k) from a previous employer. Perhaps they left the company last year, or maybe it’s been more than a decade since they left. Either way, the money is still there, and they’re just not sure if they have options or what those options might be. Chances are, you’re not paying attention to an old 401(k).




Debt-ceiling dilemma: Who gets paid first, U.S. debtholders or Social Security

By Ethan Wolff-Mann; Yahoo Finance ~ Sep 05, 2017

The U.S. is up against its debt ceiling, with $19.847 trillion in debt securities issued. At the same time, funding for the government expires on Oct. 1, and if President Donald Trump and Congress can’t reach a deal, the government will face a shutdown.

While affecting millions, a shutdown isn’t necessarily as worrisome to many as the shadow of uncertainty surrounding the government’s ability to pay its debts.




The Real Reason the U.S. Has Employer-Sponsored Health Insurance

By Aaron E. Carroll; The New York Times ~ Sep 05, 2017

The basic structure of the American health care system, in which most people have private insurance through their jobs, might seem historically inevitable, consistent with the capitalistic, individualist ethos of the nation.

In truth, it was hardly preordained.




Opinion: The Pharmaceutical Industry’s Social Contract With Patients

From Joanna Shepherd; Morning Consult ~ Sep 05, 2017

In recent months, the public outcry over drug prices has been somewhat drowned out by the controversy surrounding efforts to reform the Affordable Care Act. Although the administration is still expected to issue an executive order targeting drug pricing soon, the current lull presents an opportunity to evaluate recent efforts to constrain drug prices.




Millions who buy health insurance brace for sharp increases

By Ricardo Alonso-Zaldivar; The Associated Press ~ Sep 04, 2017

WASHINGTON (AP) — Millions of people who buy individual health insurance policies and get no financial help from the Affordable Care Act are bracing for another year of double-digit premium increases, and their frustration is boiling over.

Some are expecting premiums for 2018 to rival a mortgage payment.




Don’t delay fixing Social Security and Medicare

By The Editorial Board; Newsday ~  Sep 02, 2017

While the arguing over the Affordable Care Act has died down, let’s talk about the more complex problem regarding health care and the social safety net we all depend on already, or someday will.

Without some significant changes, Social Security and Medicare will go broke. And the longer repairs to the looming shortfalls are put off, the harsher the fixes will need to be.




BLS: Americans Spend More on Taxes Than Food and Clothing Combined

By Terence P. Jeffrey; Cybercast News Service ~  Aug 30, 2017

(CNSNews.com) – Americans on average spent more on taxes in 2016 than they did on food and clothing combined, according to data released this week by the Bureau of Labor Statistics.

The same data also shows that in three years—from 2013 to 2016—the average tax bill for Americans increased 41.13 percent.




Medigap Plan F Versus Plan G: What’s The Difference?

From Danielle Kunkle; Forbes ~ Aug 30, 2017

Every week, my agency gets dozens of callers asking us about Medigap Plan F versus Plan G. People new to Medicare want to know why anyone would buy a Plan G when they could enroll in a Plan F that would pay for everything.

The easy answer is that Plan G offers lower premiums for a little bit of cost-sharing on your end. However, Plan G has been around for years, so why are we just now seeing so much interest in it?










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