Lmst

Susie Madrak reveals a critical legislative shift as House Republicans push a bill that could spike ACA premiums, impacting millions. Dubbed Trump's "big, beautiful bill," it aims to tighten premium subsidy eligibility while imposing new administrative hurdles. The Congressional Budget Office warns of rising healthcare costs and potential coverage losses. Explore the implications of these subsidy cuts as Democrats gear up to fight back. Read more: https://crooksandliars.com/2025/05/if-house-gopers-get-their-way-aca-premiums
#AffordableCareAct #healthcare #insurance #legislation #premiums #politics

Increasing Flood Risk Awareness Through A Real Estate Professional Training Program
--
https://coast.noaa.gov/digitalcoast/training/flood-risk.html <-- link to article
--
#GIS #spatial #mapping #NOAA #DigitalCoast #PinellasCounty #flood #flooding #education #risk #hazard #training #program #realestate #residential #floodzones #floodinsurance #publicsafety #loss #damage #economics #tools #analysis #information #Florida #floodrisk #investment #infrastructure #publicawareness #realtor #awareness #CommunityRatingSystem #disclosure #publicinformation #premiums #costsaving #water #hydrology #extremeweather #climatechange #naturaldisasters #coast #coastal #NOAA
@NOAA

Video: Basic Options & Strategies

The video is a quick recap of #Put and #Call #options, and then cover the #strategies for #Cash #Covered #Puts, #Covered #Calls, and #Credit and #Debit #Spreads, both #Bear and #Bull. I discuss my #strategy, and mention the #wheel strategy for #cashflow, receiving #premiums, and #leveraging using #margin accounts. The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada. Visit:…

http://canadianmoneytalk.ca/2025/03/02/video-basic-options-strategies/

@anon_opin not to mention:

People who "make a living" off "#ConditionlessIncome" aka. #RoboWealth with #CapitalGains, #Dividents, #InterestRates and #Rent should also be subject to the same #SocialSecurity and #Healthcare #Premiums and #Insurance terms as if they were #WageWorkers with the same #income.

After all, even a #Billionaire or #Investor can become #unemployed by virtue of loosing #wealth and/or unable to work by virtue of an accident, and it's safe to assume they could even become in need of permanent care.

So it seems fair to demand they also pay their "#FairShare", cuz if I as a #WageWorker can afford ~18% for #HealthInsurance and ~30% in terms of #IncomeTax, then they too can afford that!

#SocialJustice #InomeEquality #Equality #TouchGrass #SocialEquality #Billionares

Manitoba regulator orders hike in auto premiums, calls for action on brain injuries
Manitobans will soon be paying more for basic automobile insurance.
#insurance #automobile #premiums #injuries #Manitoba #Trending #MPIrates
https://globalnews.ca/news/10947664/manitoba-regulator-orders-hike-in-auto-premiums-calls-for-action-on-brain-injuries/

@calsnoboarder @MikeDunnAuthor

"... their decisions (not really theirs, since they have actuaries and other experts who tell them what to implement in terms of policy)"

This is actually NOT correct. If the actuaries are doing their jobs properly, then the probability and risk of paying for a particular treatment is built into the premium. So that means the majority of claims should be approved for payment. modulo fraudulent claims.

#insurance #premiums #actuaries

Insurance Premium Hikes To Be Addressed By Bank Negara Malaysia And Health Ministry #banknegaramalaysia #bnm #healthinsurance #ministryofhealth #moh #news #premiums

https://www.lowyat.net/2024/339024/bnm-moh-to-address-insurance-hikes/

Trump's entire #Project2025 Policy Agenda is huge
--over 900 pages as I understand it
--but given the nature of this website, I'm going to restrict myself to discussing the #healthcare policy section, which is thankfully "only" 54 pages long.

Since there's so much to wade through here, I'll be breaking this into several individual posts.

First up, according to Edwin Park, Research Professor at the Georgetown University McCourt School of Public Policy’s Center for Children and Families,
here's how Project 2025 would impact #MEDICAID:
• It would convert federal Medicaid funding into #BLOCK #GRANTS (a set amount of money which would remain the same regardless of increased healthcare cost growth, enrollment growth, unexpected additional costs from recessions, disasters, another global pandemic, etc.
• It would require #states to pay a much larger share of Medicaid costs
• It would eliminate states ability to use provider #taxes, which states use to pay part of their share
• This in turn would prevent states from being able to access even the already-reduced #federal #revenue
• It would eliminate many Medicaid protections & requirements, including adding coverage time #limits and lifetime benefit #caps
• It would allow states to increase #premiums & cost sharing for enrollees and add them to #children and pregnant women
• It would allow states to drop coverage of #nursing home care and long-term services
• States would no longer have to coverage non-elderly non-#disabled parents
• It would add more red tape & make it more #difficult for people to apply for, enroll in and renew their coverage
• It would let states add work reporting #requirements, which have proven to be a disaster in the handful of states that it's been allowed for to date
• It would push for Medicaid #vouchers for less affordable & far less comprehensive private coverage
• It would remove most federal #oversight of state Medicaid programs...except for #abortion & reproductive healthcare, where it would crack down with #draconian federal requirements including prohibiting Planned Parenthood from receiving federal funding, prohibiting coverage of travel to get an abortion and eliminating Medicaid funding for states which require abortion coverage in private policies*

*Note: As of 2022, that included California, Illinois, Maine, Maryland, New York, Oregon and Washington.

Overall, Park estimates that
🔸 Project 2025 would slash federal Medicaid funding by more than 50% over the next decade.🔸

https://acasignups.net/24/07/05/lets-take-look-donald-trumps-project2025-medicaid-agenda-shall-we

TIL you can use rollover #IRA money to pay #COBRA #premiums without the early disbursement penalty. #unemployment
This should be shouted far and wide

#Health insurers have been increasing top-tier #premiums at far higher rates than those approved by government—30% on average over the last three years, versus the 8.6% regulatory cap—yet, #Private #Healthcare #Australia’s boss states:

“[F]or every dollar that people pay in premiums, on average, 86 cents goes back to them.”

https://www.abc.net.au/news/2024-02-15/health-insurance-hospital-cover-premiums-surge-despite-price-cap/103464202 #insurance #auspol

Workers pay the cost
For health insurance at work,
High premiums rise anew

#healthinsurance #workplacebenefits #premiums #haiku #poetry

https://www.cnn.com/2023/10/18/business/health-insurance-premiums-kff/index.html

"At least five large #US property insurers — including #Allstate, #AmericanFamily, #Nationwide, #ErieInsurance Group and #BerkshireHathaway — have told regulators that #ExtremeWeather patterns caused by #ClimateChange have led them to stop writing coverages in some regions, exclude protections from various weather events and raise monthly #premiums and #deductibles."

https://www.washingtonpost.com/business/2023/09/03/natural-disaster-climate-insurance/

Actuaries are the world’s oldest data scientists.

https://sampathpanini.medium.com/actuaries-are-the-worlds-oldest-data-scientists-f9551367d3eb

#insurance #actuaries #riskmanagement #premiums #datascience

Here is an interview with the CEO of a #Louisiana #insurance company. Of their $ 445 M loss since Katrina, 90% is covered by re-insurance (but the re-insurance premiums have skyrocketed). And Louisiana has a cap on homeowners' #premiums.

As in Florida, there is the Louisiana Citizens Insurance (where the taxpayer bears the risk).

Basically they're all just praying for a quiet #hurricane season. Meanwhile the Gulf is like a hot tub.

Sounds precarious.

https://www.audacy.com/wwl/news/local/whats-behind-skyrocketing-home-insurance-in-louisiana

#HomeInsurance premiums are in the five figures: this is #insurance companies telling you, in their language of premiums, that you're living in a vulnerable place.

"I've heard of #premiums for residences in Lismore being $15,000. It's just not reasonable," Katschke says.

But is IS reasonable, if you consider how high the risk is of losing the entire home. Calling it unreasonable is a form of #ClimateDenial.

https://www.abc.net.au/news/2023-04-12/government-involvement-disaster-insurance-protect-australians/102167338

On the flipside, I'm sure #insurance companies will be happy to adopt the new #guidelines in a quick #money grabbing venture to jack the #premiums for #rated #behaviour and #deficiencies in their #clients. #lifeinsurance #costofliving

#Premiums

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