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NRLN WORKS TO PROTECT YOUR RETIREMENT INCOME AND HEALTH CARE SECURITY

The National Retiree Legislative Network (NRLN) works to enact federal legislation to protect employer-sponsored pensions, health care benefits and keep Social Security and Medicare strong. With support from more than 2 million members and Washington, D.C. staff, the NRLN identifies and rallies support for federal legislation that will guarantee fair and equitable treatment of retirees from the private and public sectors. Learn more about the NRLN and legislation important to retirees by clicking on the "About Us" and "Legislative" links above.

The NRLN recently created the American Retirees Education Foundation (AREF) with a mission is to research, educate and inform retirees, future retirees and the general public on how best to protect and promote retirement income security and retiree health care. Donations to AREF are tax deductible. Learn more about AREF, at www.SeniorsAREF.org.

The NRLN regularly informs members by email about important information. If you did not receive an email with the NRLN President’s Forum message or an Action Alert posted on this home page, possibly you mistakenly “unsubscribed” on one of our emails or you have a new email address that is not in the NRLN’s database. You will no longer hear from us unless you “re-subscribe”. To “re-subscribe”, click here.



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PRESIDENT'S
 FORUM

What NRLN Knows About Tax Reform Bills as of Nov. 10

If your head is swimming over all the media and talk show views of the House and Senate tax bills, it should be. In each step of the process and at the last minute before every vote, there will be more amendments, making it unlikely we will know everything until after the President signs a bill, who knows when.

What we know is that the House tax bill was released by the Ways and Means Committee on Thursday, Nov. 2, with several revisions yet this Thursday, Nov. 9, and sent it to the Rules Committee where it could be changed again before being sent to the House floor for debate, more amendments and final voting.

As of Friday, November 10, Speaker Paul Ryan is projecting that the House floor debate and amendments to the bill, if any will conclude with a vote sometime late during the week of Nov. 12. If the House votes to pass a bill then the House must wait for a Senate bill.

Analysis from Tax Policy Center

An analysis from the Tax Policy Center, a joint venture between the Brookings Institute and the Urban Institute, found that the House’s bill would cut taxes on average for all income groups next year. But the same analysis also found that at least 7% of taxpayers would pay higher taxes in 2018, and 25% would pay more in 2027. The largest cuts would go to higher-income households.

The bill is estimated to cost $1.5 trillion over 10 years, meaning there would be automatic cuts of up to $150 billion a year over a decade, says Ed Lorenzen of the Committee for a Responsible Federal Budget (CRFB).

Medicare Would Be Cut by $28 Billion in 2018

Say Congress does pass the tax cut before the end of the year, with Pay-as-You-Go (PAGO) rules remaining in effect. Medicare alone would be cut by $28 billion next year. The CRFB has estimated that mandatory funding for student loan administration, agricultural subsidies and customs and border patrol operations could be cut entirely. Social Security is exempt from the automatic cuts. I think this is because of the Byrd rule. Byrd, PAGO and other rules are examples of the weird illogical rules used in the swamp.

A Senate version of the plan released Thursday, Nov. 9, contained significant differences from the House version, and bridging the divide will not be easy. While the Senate also set its sights on passing a bill before Thanksgiving, that deadline is looking less realistic.

Senate Bill Has Narrower Margin for Success

The Senate lags the House and faces serious obstacles because the voting margin for Republican success is narrower than in the House. The Senate Finance Committee will begin to consider the plan next week (week of Nov. 12) but it looks like it will be after Thanksgiving before the Committee can deliver a bill to the Senate floor for consideration.

If and when both the House and Senate bills get to their respective floors and if both Chambers pass their respective bills, then a select number of members from the House and Senate will meet to reconcile differences with hope for producing a single bill that can be sent to the President.

Too Early for NRLN’s Full Assessment of House Bill

The NRLN staff has developed an analysis of the House bill but until the specifics regarding line items are divulged we cannot make a full assessment. One small example is, did they really eliminate the teacher’s deduction for buying school supplies for the kids? We know the proposal does eliminate work uniforms and makes tax preparation fees and other such items non-deductible. Once we can sort out the Senate proposal details which are very scant, we will post a detailed analysis on our website.

After spending 48 hours trying to make sense of the proposals, my general sense is that the end bill will not favor those with gross incomes from $75,000 - $150,000. This grouping may likely incur more taxable income.

However, the bottom line is that the outcome will be directly affected by how the final tax brackets and threshold dollar values are set. Preliminarily, we did not see tax savings of over $1,000 for the average family of four earning $59,000 a year as Speaker Paul Ryan and Ways and Means Chairman Kevin Brady have claimed. Maybe they are holding back the best for last.

One Tradeoff Is Worth Mentioning

One tradeoff is worth mentioning. While it is true that House and Senate tax plans increase the standard deduction to $24,400, the tax exemption of $4,050 for each dependent or $16,200 for a family of four is eliminated. If real estate taxes over $10,000, State Sales and Income and other taxes, deductible Medical Expenses and deductibles combined exceed $8,200 (24,400-16,200) the only break available would have to come from a tax bracket and tax rate changes. Watch what happens to them closely.

If you want to use a tool to determine what your taxes will be under House tax plan, I suggest you try the Trump Calculator or another you may know of (remember, changes are coming).

THE TRUMP CALCULATOR:

Made Available By MarketWatch News Graphics
https://www.marketwatch.com/story/the-new-trump-tax-calculator-what-do-you-owe-2017-10-26

      
Comparison of the key elements of both plans today:
  House bill
Passed W&M as of 11/9
Senate bill
Released to Finance 11/9
Exemptions for Dependents Eliminated Eliminated
Standard Deduction Increased to 24K couples Increased to 24K couples
State & Local Taxes Eliminated - cap RE at $10,000 Eliminate all
Mortgage Interest Deduction $500k New Purchase Mortgages Preserve $1,000k Mortgages
Medical Expense Deductions Eliminated Preserve current deduction
Tax Prep., work clothes, etc. Eliminated Eliminated
Child Tax Credit Increase $1,000 to $1,600 if <17 Increased $1,000 to $1,650
Estate Tax Doubled then Eliminate in 2023 Double $5.49 mil – keep in place
Alternative Minimum Tax (AMT) Eliminated Unknown
Individual Tax Rates 4 brackets–12-25-35%-39.6% 7 Brackets-10-12-22.5-25-32.5
   Thresholds ($000) 24-90; 90-260; 260-1,000;>1,000 Not available
Corporate Tax Rate Reduced to 20%       Reduced to 20%
Over age 65 Deduction Eliminated       Enhanced?
Deduction for the blind Eliminated Enhanced?
Consolidated family/ @ Parent $300 Unknown

I’m sure you were aware of most of this information but if not, I hope it helps clear the air even if just a little. Stay tuned for more later.

Bill Kadereit, President
National Retiree Legislative Network

Happenings on The Hill - November
By Alyson Parker, NRLN Executive Director

Tom Reeder, Director, Pension Benefit Guaranty Corporation (PBGC) testified before the House Committee on Education and the Workforce on November 29th about the health of the PBGC and pensions. According to current projections, PBGC’s Single Employer Program is still running a deficit, but should be financially solvent by 2022. The health of the PBGC Multi Employer Plan, however, is in dire straits and is not expected to turn around without government intervention.

Director Reeder called for an increase in premiums for the multi employer plans. Others are suggesting that the tools provided by Kline-Miller Multi Employer Pension Reform Act (MPRA) should be utilized and regulatory bodies should support this effort. Some on the Hill are still recommending a hybrid to the multi employer pension plan - a composite plan that combines key features of a defined benefit plan and a defined contribution plan. Representatives of the NRLN will be meeting with the PBGC next week to discuss PBGC’s projection report further. more continued here...

Obituary on Jim Norby, NRLN Founding President

It is with deep sadness that I am sharing with you the following obituary on Jim Norby, the Founding President of the National Retiree Legislative Network who served as the leader of the NRLN from its creation in 2002 until he retired in January 2008 and I was elected by the NRLN Board of Directors to succeed him.

During the five years I served with Jim on the NRLN Board, I witnessed his passion to see to it that America’s retirees have a strong voice in Washington, DC. He believed that unless laws are enacted to protect retirees’ pensions and benefits, many employers would continue to take action not in the interests of retirees who had worked for decades to earn what had been promised to them for their retirement years.

The legacy that Jim provided the NRLN will always be cherished.

Bill Kadereit, President
National Retiree Legislative Network

https://www.inforum.com/obituaries/4365087-arthur-james-norby

Arthur James Norby, 89, Palm Desert, CA., passed away November 23, 2017. He was born in Aberdeen, S.D. March 4, 1928. He grew up and attended Central High School in Fargo, North Dakota. After a term in the Navy, he graduated from NDSU in 1952. He married Jean Molland on June 18, 1951. He worked for Northwestern Bell Telephone Company for 30 years. Upon retiring from NWB, he started a company to manufacture decorator telephones. After several years of marketing consulting, he was one of the founders of the NWB Retiree Association and the National Retiree Legislative Network (NRLN) where he served as President. He attended graduate school at the age of 80 to be a certified history teacher, and his last years were focused on the study of history. He is survived by his wife, 4 children-3 girls-Debra, Susan and Cynthia - 1 son, Scott. He is also survived by 3 grandsons, Christopher, Kevin, and Douglas.


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Click here to read the FALL 2017 issue of the NRLN FOCUS Newsletter




ACTION ALERT

Prevent Irreparable Harm to Medicare

Voice your opposition to the irreparable harm that will be done to Medicare if the irresponsible action taken by a majority of Representatives and Senators in the Fiscal Year 2018 Budget Resolution to cut $473 billion from Medicare over the next 10 years and authorize “premium support” that will destroy Medicare as we know it. This must be stopped from becoming law. Email the NRLN’s sample letters to your Representative, both Senators and President Trump.


Take the NRLN Survey

Please Take the NRLN Survey so we can learn your needs on retirement issues. Survey responses are kept anonymous and confidential. Survey results (no personal information) will be emailed to those who take the survey. This survey is intended for website visitors and individuals who have recently signed up to receive NRLN emails. Current NRLN retiree associations and chapters members should not participate in this survey. You will be able to provide your input in the NRLN’s Future Directions survey to be conducted again in 2018.


amazon smile AmazonSmile Program to Benefit the American Retirees Education Program (AREF)

The National Retiree Legislative Network (NRLN) board created the American Retiree Education Foundation (AREF) in 2014 as a 501(c)(3) tax-deductible, nonprofit education foundation to expand the research and educational reach of the NRLN and to enable NRLN to sharpen its focus as an organization lobbying for the passage of federal legislation and regulations that benefit retirees.

The AREF is always seeking ways to increase its funding through individual tax-deductible contributions, grants from public and private foundations, individual tax-deductible bequests and non-traditional ways. AREF funds pay for a number of tasks previously paid for by the NRLN. For example, the updating this month of the white paper on Protecting Pension Assets which is used to educate members of Congress on the need for legislation to prevent pension plan sponsors from using plan assets for non-pension expenses. Access the white paper here.

The AREF has identified a non-traditional way that you can help fund the AREF without costing you anything extra if (when) you make a purchase online from Amazon through its AmazonSmile program designed to provide a percentage of a purchase price to qualified non-profit organizations, such as the AREF. I urge you to read the following information and help provide funding to the AREF should you make an Amazon purchase. Click here to learn more about AmazonSmile.


NRLN members are saving big with the Free Health Savings Rx Card℠

The NRLN has arranged to offer you a Health Savings Rx Card™, at NO COST, that offers you and your family savings on prescription drugs, plus vision and hearing services and products.Click here to access the Rx Savings Card℠ website.If you do not already have a Health Savings Rx Card℠ you will need to create your personal login and then printout your free card. Savings information for prescription drugs, vision and hearing services and products is available through the links under the Savings Plus tab.


report card

NRLN Provides New “Report Card” Feature on Members of Congress

NRLN has introduced a “report card” for each state that shows whether the U.S. Representatives and Senators have supported bills in Congress advocated by the NRLN. Read all about it here.


READ MEMBERS COMMENTS HERE


IN THE NEWS...

The articles and opinion pieces below are for information and are not necessarily a reflection of the NRLN’s position on issues. The NRLN is nonpartisan and its positions on retirement issues are presented in its Legislative Agenda and white papers that can be accessed from the Legislative Agenda tab.

The case for moving to a retirement community
By Saul Levmore; MarketWatch ~ Dec 10, 2017

Poll: Most Americans doubt GOP bill will cut their taxes or boost the economy
By Susan Page; USA TODAY ~ Dec 10, 2017

More Than 1 in 4 Americans Postpone Medical Treatment Because of the Expense
By Ali Meyer; The Washington Free Beacon ~ Dec 10, 2017

GOP Sen. Susan Collins: Not sure if I will support tax reform plan
By Caroline Kenny; CNN ~ Dec 10, 2017

Opinion: To understand the tax reform bill, use good old math and history
From Jeffrey Frankel; The Hill ~ Dec 10, 2017

Very, very scary’: 8.8 million Americans face big tax hike if Republicans scrap the medical deduction
By Heather Long; The Washington Post ~ Dec 10, 2017

GOP Sen. Susan Collins says she would consider changing her tax plan vote over amendments
By Daniella Diaz; CNN ~ Dec 08, 2017

ObamaCare fight could threaten shutdown deal
By Nathaniel Weixel; The Hill ~ Dec 09, 2017

The other big drug problem: Older people taking too many pills
By Sandra G. Boodman; The Washington Post ~ Dec 09, 2017

Prescription Drugs May Cost More With Insurance Than Without It
By Charles Ornstein & Katie Thomas; The New York Times ~ Dec 09, 2017

McConnell Promised Collins Health Bills Would Pass, But No One Else Seems Eager To Uphold That Deal
From KHN Morning Briefing; Kaiser Health News ~ Dec 08, 2017

Health Care Spending Grows 1.5% Faster Than Overall Economy in 2016
Out-of-pocket spending including copayments and deductibles increased by 3.9 percent

By Ali Meyer; The Washington Free Beacon ~ Dec 08, 2017

Opinion: Please Raise My Taxes
From Chris Ladd; Forbes ~ Dec 08, 2017

Paul Ryan makes it official: Republicans are coming after Medicare next
By Michael Hiltzik; Los Angeles Times ~ Dec 08, 2017

UnitedHealth Is Buying a Major Doctor Group on the Heels of the CVS-Aetna Deal
By Sy Mukherjee; Fortune ~ Dec 06, 2017

GOP abandons state sovereignty fight on health care
From Barak D. Richman & Dr. Kevin A. Schulman ; The Hill ~ Dec 07, 2017

Pelosi: Dems will oppose short-term spending bill
By Mike Lillis; The Hill ~ Dec 07, 2017

DOJ may win task of reviewing CVS-Aetna deal
By Leslie Small; FierceHealthcare ~ Dec 07, 2017

Ryan pledges 'entitlement reform' in 2018
By Nathaniel Weixel; The Hill ~ Dec 06, 2017

Opinion: Americans at small companies deserve better retirement plans
From Aron Szapiro; The Hill ~ Dec 06, 2017

Rep. Mark Walker says 'no energy' for Obamacare bills
By Robert King; The Washington Examiner ~ Dec 06, 2017

Health law sign-ups seen as falling short though more enroll
By Ricardo Alonso-Zaldivar; The Associated Press ~ Dec 06, 2017

U.S. healthcare spending growth slowed in 2016
By Toni Clarke; Reuters ~ Dec 06, 2017

Opinion: CVS-Aetna merger is a robber baron's dream come true
From David Balto; The Hill ~ Dec 06, 2017

Count the ways: How GOP tax plans would reward rich families
By Josh Boak; The Associated Press ~ Dec 06, 2017

The tax bill endangers millions of lives
From Rachel Gallery; The Hill ~ Dec 06, 2017

Opinion: How to Reduce Medical Drug Prices At A Stroke
From Scott Knoer; Newsweek ~ Dec 06, 2017

CMS mulls new payment models for drug pricing
By Paige Minemyer; FierceHealthcare ~ Dec 05, 2017

House conservatives push for repeal of ObamaCare mandate in final tax bill
By Jessie Hellmann; The Hill ~ Dec 05, 2017

GOP weighs increasing state and local break in conference version of tax bill
By Joseph Lawler; The Washington Examiner ~ Dec 05, 2017

Flawed Social Security's National Debt Burden Unaffordable
By Brenton Smith, Newsmax – Dec 5, 2017

Forget 'Location, Location, Location' When Making Retirement Housing Decisions
From Jamie Hopkins; The Hill ~ Dec 05, 2017

Deadline Looming, House GOP Keeps Talking About Funding Options
By Lindsey McPherson; Roll Call ~ Dec 05, 2017

Opinion: The next Republican targets: Social Security and Medicare
By Paul Brandus; MarketWatch ~ Dec 05, 2017

Funded status for U.S. corporate plans continues upward march
By Meaghan Kilroy; Pensions & Investments ~ Dec 04, 2017

Collins doubles funding ask for ObamaCare bill
By Jessie Hellmann; The Hill ~ Dec 04, 2017

Let's scrap the Cadillac tax before Americans start paying in money and lives
From Stacy Washington; The Hill ~ Dec 04, 2017

When Every Year Means an ‘Agonizing’ Search for New Insurance
From Jay Hancock; The New York Times ~ Dec 04, 2017

What the CVS-Aetna deal means for consumers
By Paul R. La Monica; CNNMoney ~ Dec 04, 2017

Five questions for the CVS-Aetna deal
By Nathaniel Weixel; The Hill ~ Dec 04, 2017

Column: CVS and Aetna say their huge merger will be great for consumers. Here's why you should be skeptical
By Michael Hiltzik; Los Angeles Times ~ Dec 04, 2017

5 Reasons Consumer Technology Companies Will Transform Health Care
From Chunka Mui; Forbes ~ Dec 04, 2017

This is the maximum Social Security retirement benefit payable in 2018
By Matthew Frankel, TMF; USA TODAY ~ Dec 04, 2017

Congress should stop lining the pockets of drug corporations and their CEOs
From LeeAnn Hall; The Hill ~ Dec 04, 2017

Opinion: Let's not 'restructure' Social Security and Medicare to pay for tax cuts
From Max Richtman; The Hill ~ Dec 04, 2017

Reports: CVS to buy Aetna for $69B
By Danielle Haynes; United Press International ~ Dec 03, 2017

Collins on support for GOP tax bill: I want to see what comes out of conference committee
By Brett Samuels; The Hill ~ Dec 03, 2017

McConnell In Kentucky: Tax Bill Won’t Add To Nation’s Debt Woes
By Bruce Schreiner, AP; Talking Points Memo ~ Dec 03, 2017

Tax bill could fuel push for Medicare, Social Security cuts
By Nathaniel Weixel; The Hill ~ Dec 03, 2017

Heading Toward Tax Victory, Republicans Eye Next Step: Cut Spending
By Kate Zernike and Alan Rappeport, New York Times – Dec 2, 2017

Will GOP Cut Social Security And Medicare Before Or After The 2018 Election?
From Stan Collender; Forbes ~ Dec 03, 2017

Senate tax bill accomplishes major Obamacare repeal goal

How The Senate GOP Got The Votes To Overhaul The Tax Code And Strike A Blow To Obamacare
By Alice Ollstein; Talking Points Memo ~ Dec 02, 2017

If You’re 70½, It’s Time to Take Money From Your Retirement Account
By Ann Carrns; The New York Times ~ Dec 01, 2017

Hacking Health Care: Silicon Valley's Solutions To Elderly Care, Diabetes And More
By Jennifer Wang; Forbes ~ Dec 01, 2017

Next week in Congress: Tax negotiations and funding the government
By Susan Ferrechio; The Washington Examiner ~ Dec 02, 2017

Desperate For Coverage: Are Short-Term Plans Better Than None At All?
By Julie Appleby; Kaiser Health News ~ Dec 01, 2017

Congress May Soon Help Prevent Medicare Enrollment Mistakes
From Chris Farrell; Forbes ~ Dec 01, 2017

How Republicans learned to stop worrying about the deficit and love the tax bill
By Joseph Lawler; The Washington Examiner ~ Dec 01, 2017

How GOP Tax Bill Will Blow Up Medicare
From John Wasik; Forbes ~ Dec 01, 2017

McConnell says Senate has the votes to pass GOP tax bill
By Erica Werner and Damian Paletta, Washington Post – Dec 1, 2017

Opinion: ObamaCare contributed to the murder of health care, but it's not the only culprit
From Dr. Deane Waldman; The Hill ~ Nov 30, 2017

5 Fixes For Healthcare That America Needs Now
By Michela Tindera; Forbes ~ Nov 30, 2017

Great News: Senate Tax Bill Only Leaves The Country $1 Trillion More In The Hole (At Best)
From Erik Sherman; Forbes ~ Nov 30, 2017

JCT Report: No, The GOP Tax Bill Does Not Pay For Itself
By Alice Ollstein; Talking Points Memo ~ Nov 30, 2017

Opinion: Sen. Collins, be the voice of reason again — vote no on tax plan
From Brendan Williams; The Hill ~ Nov 30, 2017

Patients Don't Benefit From Drug Discounts To Insurers, PhRMA Report Says
From Arlene Weintraub; Forbes ~ Nov 30, 2017

Exclusive: U.S. health regulator Verma eyes new methods for drug pricing
By Caroline Humer; Reuters ~ Nov 30, 2017

How to Protect Social Security and Keep It Solvent
By Ramesh Ponnuru; Bloomberg ~ Nov 30, 2017

U.S. Government Should Negotiate Drug Prices,, Adviser Group Says
By Anna Edney; Bloomberg ~ Nov 30, 2017

Opinion: Solve US drug shortages with imported medicine that measures up to FDA standards
From John J. Cohrssen & Henry I. Miller, ; The Hill ~ Nov 30, 2017

America’s pension crisis demands action by Congress
By Michael D. Scott; The Hill ~ Nov 29, 2017

Obamacare? That’s so last month. On Capitol Hill, drug prices are now the hot topic
By Erin Mershon; STAT ~ Nov 29, 2017

GOP Tax Plan Would Still Leave 13 Million Without Health Insurance, CBO Says
By Sy Mukherjee; Fortune ~ Nov 29, 2017

Collins gets promise to pass ObamaCare funding this year
By Jordain Carney; The Hill ~ Nov 29, 2017

Trump's Health Secretary pick faces Senate committee
By Tami Luhby; CNN ~ Nov 29, 2017

The Wheels Are Coming Off The Tax Bill’s Promised Deficit Trigger
By Alice Ollstein; Talking Points Memo ~ Nov 29, 2017

Opinion: A Senate Tax Bill Only Scrooge McDuck Could Love
From Diana Hembree ; Forbes ~ Nov 29, 2017

How To Stop Your Grown Kids From Ruining Your Retirement
From Diane Harris; Forbes ~ Nov 29, 2017

Rubio: Offset Tax Cuts By Reducing Social Security, Medicare Benefits
By Tracey Longo, Financial Advisor – Nov 29, 2017

Some doctors are now scaling back on low-value care to save in costs
By Jeff Lagasse; Healthcare Finance ~ Nov 28, 2017

Trump backs Obamacare payments as part of tax cuts deal
By S.A. Miller; The Washington Times ~ Nov 28, 2017

Senate GOP Hold-Outs Moving To ‘Yes’ On Tax Bill After Promises From Trump, Leadership
By Cameron Joseph & Alice Ollstein; Talking Points Memo ~ Nov 28, 2017

Opinion: Republicans may regret eliminating the state and local tax deduction
From John Vogel; The Hill ~ Nov 28, 2017

Under the Trump Tax Bill, You’ll Probably Stop Itemizing Your Deductions
By Ed Kilgore; New York ~ Nov 28, 2017

These Eight Senators Can Make or Break the GOP Tax Plan
By Sahil Kapur; Bloomberg ~ Nov 28, 2017

Heated And Deep-Pocketed Battle Erupts Over 340B Drug Discount Program
By Sarah Jane Tribble; Kaiser Health News ~ Nov 28, 2017

Budget Committee Approves Tax Overhaul
By Lindsey McPherson; Roll Call ~ Nov 28, 2017

What Will Congress Do If It Can't Give Away New Itemized Tax Deductions?
From Howard Gleckman; Forbes ~ Nov 28, 2017

7 Harmful Myths About A Smart Way To Cut Health Costs
From Larry Light; Forbes ~ Nov 27, 2017

Taken For A Ride? Ambulances Stick Patients With Surprise Bills
By Melissa Bailey; Kaiser Health News ~ Nov 27, 2017

Express Scripts To Sell Drug Support Unit As PBM Industry Shifts Focus
From Bruce Japsen; Forbes ~ Nov 27, 2017

DOL delays fiduciary rule until July 2019
By Hazel Bradford; Pensions & Investments ~ Nov 27, 2017

Democrats Unveil Bill to Create Rehabilitation Trust Fund
By Lee Barney; PlanSponsor ~ Nov 27, 2017

Is Amazon getting into the pharmacy business? This is what you need to know
By Emma Court; MarketWatch ~ Nov 27, 2017

Trump, Senate GOP scramble to change tax plan to gain votes
By Stephen Ohlemacher & Marcy Gordon; The Associated Press ~ Nov 27, 2017

Five health care fights facing Congress in December
By Rachel Roubein; The Hill ~ Nov 26, 2017

Republicans fret over White House sales job on taxes
By Annie Karni & Eliana Johnson; Politico ~ Nov 26, 2017

Retiree's dream -- more $ for travel, less for health care -- tough to achieve
By Paul Davidson; USA TODAY ~ Nov 26, 2017

5 ways the GOP tax plans could affect your wallet
By Bristow Marchant & Emma Dumain; The State ~ Nov 26, 2017

Safe as houses? Both GOP tax bills undermine the mortgage interest deduction
By Joseph Lawler; The Washington Examiner ~ Nov 26, 2017

CMS announces big expansion to Medicare Advantage value-based insurance design model
By Leslie Small; FierceHealthcare ~ Nov 22, 2017

Why the GOP Tax Bill Is So Unpopular
By Derek Thompson; The Atlantic ~ Nov 25, 2017

The Alzheimer’s Questions Some Families Are Afraid to Ask
From Manny Alvarez, MD; LifeZette ~ Nov 22, 2017

Your Doctor May Spend More Time With A Computer Than With You
From Peter Ube; Forbes ~ Nov 24, 2017

Restructured tax code would unduly burden people with disabilities
From Peter Wilderotter; The Hill ~ Nov 24, 2017

Cut Taxes or Die
From Kenneth T. Walsh; US News & World Report ~ Nov 24, 2017

The Trump administration is taking on drug prices — but not drug companies
By Carolyn Y. Johnson; The Washington Post ~ Nov 24, 2017

Obamacare Signups Soar, But Trump Actions Could Still Depress Enrollment
By Alice Ollstein; Talking Points Memo ~ Nov 22, 2017

A report shows the Senate GOP tax bill ultimately raises taxes on 50 percent of people. That’s a problem.
By Aaron Blake; The Washington Post ~ Nov 21, 2017

Why a Gold Obamacare Plan May Be Cheaper Than a Silver One
This quirk makes it important to shop carefully for Obamacare coverage.

By Christy Bieber; The Motley Fool ~ Nov 19, 2017

Zombie Alexander-Murray? Key senator thinks ACA stabilization bill could make it into funding package
By Leslie Small; FierceHealthcare ~ Nov 21, 2017

Health Centers Desperate As Renewal Of Their Funding Languishes In Congress
From KHN Morning Briefing; Kaiser Health News ~ Nov 21, 2017

Medicare, Medicaid And Long-Term Care: Your Questions Answered
From Richard Eisenberg; Forbes ~ Nov 21, 2017

Medicare premiums and Social Security COLAs: Here's why retirees will pay up in 2018
By Mary Beth Franklin; InvestmentNews ~ Nov 21, 2017

Republicans Learn The Hard Way: You Break Obamacare, You Own It
By Alice Ollstein; Talking Points Memo ~ Nov 20, 2017

The Health 202: Republicans are right. The individual mandate is a tax on the poor.
By Paige Winfield Cunningham; The Washington Post ~ Nov 20, 2017

Amid soaring drug prices, FDA reverses stance and cracks down on cheap imports
By Beth Mole; Ars Technica ~ Nov 20, 2017

Trump promises Americans ‘huge tax cut’ for Christmas
By Darlene Superville; The Associated Press ~ Nov 20, 2017

How Tax Reform Will Actually Help 401(k) Savers
From Rodney Brooks; Forbes ~ Nov 20, 2017

Downsizing Doesn't Have To Be Daunting Thanks to These 5 Steps
From Sarah Mouser; Forbes ~ Nov 20, 2017

Medicare announced its premiums for 2018. Here’s what you need to know.
By Philip Moeller; PBS News Hour ~ Nov 20, 2017

Collins: I Haven’t Decided Whether I’ll Vote For Tax Bill With O’Care Provision
By Esme Cribb; Talking Points Memo ~ Nov 19, 2017

The Medicare Mistake That Could Cost 62% of Senior Enrollees a Fortune in 2018
By Sean Williams; The Motley Fool ~ Nov 19, 2017

Trump met Senate Republicans on ObamaCare fix
By Peter Sullivan; The Hill ~ Nov 17, 2017

GOP senators lobby Trump on Obamacare mandate, markets
By Jennifer Haberkorn & John Bresnahan; Politico ~ Nov 17, 2017

Tax Fight Gets Personal as Senators Spar Over Bill
By Alan Rappeport; The New York Times ~ Nov 17, 2017

Medicare Part B premiums jumping 23 percent for many retirees
By Sarah O'Brien; CNBC ~ Nov 17, 2017

Dem bill aims to protect threatened pensions
By Mike Lillis; The Hill ~ Nov 16, 2017

Congressional Democrats introduce multiemployer loan program bill
By Hazel Bradford; Pensions & Investments ~ Nov 16, 2017

Hey, Amazon: As a pharmacy benefit manager, you could create real competition for drug prices
By Linda Cahn; STAT ~ Nov 15, 2017

How Older Patients Can Dodge Pitfalls Entrenched In Health Care System
By Judith Graham; Kaiser Health News ~ Nov 16, 2017

Middle Class Families Confront Soaring Health Insurance Costs
By Robert Pear; The New York Times ~ Nov 16, 2017

Why Republican Lawmakers Are Eyeing 401(k)s for Their Tax Plan
By Suzanne Woolley; Bloomberg ~ Nov 16, 2017

Opinion: The Republican plan is to take away your health care to pay for their tax cuts
From Sam Berger; The Hill ~ Nov 16, 2017

U.S. House of Representatives approves tax overhaul, fight shifts to Senate
By David Morgan & Amanda Becker; Reuters ~ Nov 16, 2017

Opinion: Time for America to wake up and take care our retirement system
From Robert Stammers; The Hill ~ Nov 16, 2017

Trump's HHS secretary nominee boosted drug prices while at Eli Lilly
By Sarah Karlin-Smith, Politico – Nov 14, 2017

Healthcare fight consumes Senate tax debate
By Robert King; The Washington Examiner ~ Nov 15, 2017

Two U.S. Senate Republicans critical of party's tax plan
By Amanda Becker & David Morgan; Reuters ~ Nov 15, 2017

Analysis: New Senate Tax Bill Solves Some Issues, Raises Others
By Joe Williams; Roll Call ~ Nov 15, 2017

The GOP wants to eliminate the estate tax. Let’s use it to expand Social Security instead
From Nancy Altman; The Hill ~ Nov 15, 2017

Opinion: Why lawmakers keep trying to whack retirees
By Paul Brandus; MarketWatch ~ Nov 15, 2017

Democrats seize on renewed ObamaCare fight
By Jordain Carney; The Hill ~ Nov 14, 2017

Health groups urge Congress not to repeal ObamaCare mandate
By Nathaniel Weixel; The Hill ~ Nov 14, 2017

Senate Leaders Signal Willingness To Stick O’Care Mandate Repeal In Tax Bill
By Alice Ollstein; Talking Points Memo ~ Nov 14, 2017

With Medicare enrollment winding down, most retirees don't shop around
By Sarah O'Brien; CNBC ~ Nov 14, 2017

Is Amazon getting into the pharmacy business? This is what you need to know
By Emma Court; MarketWatch ~ Nov 14, 2017

Experts: We Can Lower Drug Prices
By Christopher Beach & Anthony Mills; RealClear Politics ~ Nov 14, 2017

House passes bill to curb presidential pensions
By Cristina Marcos; The Hill ~ Nov 14, 2017

How the GOP Tax Bill Could Trigger $25 Billion in Medicare Cuts in 2018
By Yuval Rosenberg; The Fiscal Times ~ Nov 14, 2017

Brokers Are Reluctant Players In A Most Challenging ACA Open-Enrollment Season
By Julie Appleby; Kaiser Health News ~ Nov 13, 2017

Trump's health secretary pick called Obamacare 'fundamentally broken,' faces drug pricing questions
By Kimberly Leonard; The Washington Examiner ~ Nov 13, 2017

Opinion: Elderly Americans shouldn't expect a friend in Trump's HHS pick
From Brendan Williams; The Hill ~ Nov 13, 2017

Government Collects $235 Billion in Taxes in First Month of Fiscal Year 2018
By Ali Meyer; The Washington Free Beacon ~ Nov 13, 2017

Former Pharma Executive Alex Azar Tapped By Trump To Lead HHS
From KHN Morning Briefing; Kaiser Health News ~ Nov 13, 2017

Trump to lawmakers: cut health mandate, top tax bracket
By Amanda Becker & Susan Cornwell; Reuters ~ Nov 13, 2017

Opinion: Let's be honest — this isn't actually tax reform
From Ned Ryun; The Hill ~ Nov 13, 2017

Money worries? 5 financial rules to live by
From Christy Bieber,TMF; USA TODAY ~ Nov 13, 2017

Week ahead: House sets vote on tax overhaul
By Sylvan Lane; The Hill ~ Nov 13, 2017

Medicare billing: Hospital "observation" can cost you
By Walecia Konrad, MoneyWatch ; CBS News ~ Nov 13, 2017

Rising Insurer Profits Boost Obamacare
From Bruce Japsen; Forbes ~ Nov 12, 2017

Here's how the House and Senate tax-cut bills could impact your taxes next year and beyond
By Trent Gillies; CNBC ~ Nov 12, 2017

The Fatal Flaw Your Financial Plan May Share With The New Tax Reform Proposal
From Erik Carter, FF; Forbes ~ Nov 12, 2017

Social Security Cuts May Be Coming. Here's How to Protect Your Retirement
By Katie Brockman; The Motley Fool ~ Nov 12, 2017

Members Of Congress On Their Caregiving Challenges
From Rita Rubin, NA; Forbes ~ Nov 10, 2017

Letter: Act on prescription drug bills, Sen. Hatch
By Neil West, NRLN Utah CD Leader – Nov 11, 2917

McConnell: I ‘Misspoke’ On No Tax Increase For Middle Class Families
By Allegra Kirkland; Talking Points Memo ~ Nov 11, 2017

What to watch out for during open enrollment
By Jessica Dickler; CNBC ~ Nov 11, 2017

The Long-Term Care Benefit Many Veterans Are Missing Out On
From Joan Lunden, NA; Forbes ~ Nov 11, 2017

Why You Should Write a Memoir—Even if Nobody Will Read It
By Lisa Ward; The Wall Street Journal ~ Nov 10, 2017

9 secrets to staying young
By Betty Finney; MarketWatch ~ Nov 11, 2017

Trump may use executive power to weaken Obamacare's individual mandate
By Paul Demko; Politico ~ Nov 10, 2017

Pressure Builds To Cut Medicare Patients In On Prescription Deals
By Sarah Jane Tribble; Kaiser Health News ~ Nov 10, 2017

House to consider bill limiting pensions for former presidents
By Cristina Marcos; The Hill ~ Nov 10, 2017

Is spending money so difficult that it causes you pain? Here’s help
By Alessandra Malito; MarketWatch ~ Nov 10, 2017

Cunning malware spreads, going after your bank account
By Brooke Crothers; Fox News ~ Nov 10, 2017

House Republicans Raise Red Flags Over Senate Tax Bill
By Lindsey McPherson; Roll Call ~ Nov 10, 2017

What's Different (And What's The Same) In The Senate And House Tax Reform Proposals
By Kelly Phillips Erb; Forbes ~ Nov 10, 2017

House and Senate Have Big Differences to Bridge on Tax Plans
By Alan Rappeport, New York Times – Nov 9, 2017

For U.S. Republicans, tax reform math hinges on cutting Medicare
By Mark Miller; Reuters ~ Nov 09, 2017

Despite Trump’s scorn, early ‘Obamacare’ sign-ups top 600k
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 08, 2017

Obamacare enrollment has begun. Here’s what you need to know
By Emma Court; MarketWatch ~ Nov 09, 2017

Hospitals and PhRMA face off over drug prices and 340B program
By David Pittman; Politico ~ Nov 09, 2017

House Ways and Means approves tax reform package
By Hazel Bradford; Pensions & Investments ~ Nov 09, 2017

GOP senators raise concerns over tax plan
By Jordain Carney; The Hill ~ Nov 09, 2017

House to vote next week on GOP tax plan
By Niv Elis; The Hill ~ Nov 09, 2017

Cornyn: Senate tax vote likely after Thanksgiving
By Jordain Carney; The Hill ~ Nov 09, 2017

House Tax Bill Would Scrap Deduction For Medical Expenses
By Julie Rovner, Kaiser Health News – Nov 2, 2017

An Important Tax Deduction for Seniors and Their Families Is on the Chopping Block
By Elizabeth O’Brian, Money – Nov 3, 2017

CBO: Repealing ObamaCare mandate saves $338 billion
By Peter Sullivan; The Hill ~ Nov 08, 2017

In election glow, Dems see health care as a winning issue
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 08, 2017

Rising prices, larger population major causes of increase in healthcare spending
From HealthDay News; United Press International ~ Nov 08, 2017

Opinion: GOP Tax Plan Raises After-Tax Incomes for Lower, Middle Class
By Ali Meyer; The Washington Free Beacon ~ Nov 08, 2017

For Active Seniors, Cohousing Offers A Cozier Alternative To Downsizing
By Sharon Jayson; Kaiser Health News ~ Nov 08, 2017

Senators push to ditch social security numbers in light of Equifax hack
By Taylor Hatmaker; TechCrunch ~ Nov 08, 2017

There's No Such Thing As 'Old Age' Anymore
From Joseph F. Coughlin; TIME ~ Nov 08, 2017

The ACA won't work without the individual mandate, we must keep it
From Dr. Angira Patel; The Hill ~ Nov 07, 2017

ACA sign-ups spike at open enrollment’s start
By Juliet Eilperin; The Washington Post ~ Nov 07, 2017

Collins Remains Positive On Tax Bill Despite Partisan Potential
By Joe Williams; Roll Call ~ Nov 07, 2017

Top Conservatives Push For Obamacare Mandate Repeal In Tax Bill
By Juliegrace Brufke; The Daily Caller ~ Nov 07, 2017

Think Tank Retracts Report Saying GOP Tax Bill Benefits Wealthy
By Ali Meyer; The Washington Free Beacon ~ Nov 07, 2017

Possible Repeal Of Medical Tax Break Benefitting Middle Class Prompts Outcry
By Ricardo Alonso-Zaldivar, AP; Talking Points Memo ~ Nov 07, 2017

Shopping Around For Obamacare Coverage: Some Consumers Are Getting ‘A Pleasant Surprise,’ Others Are Getting Rate Increases And Confusion
From KHN Morning Briefing; Kaiser Health News ~ Nov 06, 2017

When ObamaCare costs more than leasing a Rolls-Royce
From Merrill Matthews; The Hill ~ Nov 06, 2017

Trump preparing executive order to scale back ObamaCare's individual mandate: reports
By Nathaniel Weixel; The Hill ~ Nov 06, 2017

Opinion: Tax Reform: A Back Door To Killing Health Care, Medicare, And More
From Judy Stone; Forbes ~ Nov 06, 2017

Analysis: House Tax Plan Would Create Nearly 1 Million New Jobs and Increase GDP By 3.9%
By Ali Meyer; The Washington Free Beacon ~ Nov 06, 2017

Why debt from GOP tax cuts might impose a painful price
By Paul Wiseman; The Associated Press ~ Nov 06, 2017

Vision for retirement clouded by tax proposal
The Associated Press ~ Nov 06, 2017

Three Myths About Fixing Social Security
By Brenton Smith, Newsmax – Nov 11, 2017

Tax reform sprint leaves little time for funding fight
By Niv Elis; The Hill ~ Nov 05, 2017

FDA Chief Warns Feds May Force Big Pharma To Pull More Painkillers Off The Market
By Steve Birr; The Daily Caller ~ Nov 04, 2017

Ryan: ObamaCare mandate repeal up for consideration in tax bill
By Julia Manchester; The Hill ~ Nov 05, 2017

We can help rural seniors and veterans by keeping the 340B drug pricing program
From Jim Martin; The Hill ~ Nov 04, 2017

Why So Many People Choose the Wrong Health Plans
By Richard H. Thaler; The New York Times ~ Nov 04, 2017

Why Now May Be A Bad Time For A Roth Conversion
From Mark Avallone; Forbes ~ Nov 04, 2017

GOP predicts few defections on tax vote
By Naomi Jagoda & Scott Wong; The Hill ~ Nov 04, 2017

Poll: Only 28% of Americans Are Satisfied With Federal Government
By Ali Meyer; The Washington Free Beacon ~ Nov 04, 2017

House Tax Bill Addresses 401(k)s, IRAs But Drops Rothification
By Ashlea Ebeling; Forbes ~ Nov 03, 2017

Health Companies Race To Catch UnitedHealth As Amazon Laces Up
By Chad Terhune; Kaiser Health News ~ Nov 03, 2017

Kevin Brady: Trump Wants Health Reform Linked to Tax Package
By Todd Beamon; Newsmax ~ Nov 03, 2017

Tax reform markup to begin in House on Monday
By Hazel Bradford; Pensions & Investments ~ Nov 03, 2017

How Much Risk Can You Tolerate In Your Investments?
From Larry Light; Forbes ~ Nov 03, 2017

House votes to repeal ObamaCare's Medicare cost-cutting board
By Nathaniel Weixel; The Hill ~ Nov 02, 2017

Free ‘Obamacare’ for older, poorer in nearly all counties
By Ricardo Alonso-Zaldivar; The Associated Press ~ Nov 02, 2017

Medicare’s Income-Related Premiums Under Current Law and Proposed Changes
By Juliette Cubanski; Kaiser Family Foundation ~ Nov 02, 2017

Trump still pushing for ObamaCare mandate repeal in tax bill
By Peter Sullivan; The Hill ~ Nov 02, 2017

Winners and losers in the Republican tax bill
By Cristina Marcos, Naomi Jagoda, Niv Elis & Vicki Needham ; The Hill ~ Nov 02, 2017

GOP’s tax bill cancels $23 billion in credits claimed by illegal immigrants
By Stephen Dinan; The Washington Times ~ Nov 02, 2017

Five things everyone actually agrees on about tax reform
By Ryan Struyk; CNN ~ Nov 02, 2017

House Tax Bill Would Scrap Deduction For Medical Expenses
By Julie Rovner; Kaiser Health News ~ Nov 02, 2017

Why It’s Too Soon to Predict What the Tax Changes Will Mean for You
By Ron Lieber; The New York Times ~ Nov 02, 2017

The Numbers Are In, And Pretty Much Everyone Thinks Congress Is Useless
By Michael Bastasch; The Daily Caller ~ Nov 02, 2017

Trump talks tough but little action seen on drug prices
By Nathaniel Weixel; The Hill ~ Nov 01, 2017

Trump health chief wants 'consumer friendly' ObamaCare signups
By Peter Sullivan; The Hill ~ Nov 01, 2017

Rising Health Insurance Costs Frighten Some Early Retirees
By Steven Findlay ; Kaiser Health News ~ Nov 01, 2017

ACA insurance exchanges open for fifth year after Republicans fail to kill them off
By Amy Goldstein, Juliet Eilperin & Colby Itkowitz; The Washington Post ~ Nov 01, 2017

Trump’s Call For Repealing Obamacare Mandate In Tax Bill Lands With A Thud
By Alice Ollstein; Talking Points Memo ~ Nov 01, 2017

Here’s How Mike Pence Could Pass Tax Reform Without A Single Concession To Democrats
By Robert Donachie; The Daily Caller ~ Oct 31, 2017

Opinion: GOP's tax reform is a 'middle-class con job'
From Marcus D. Pohlmann; The Hill ~ Nov 01, 2017

Caregiving's Taboo Subject: Coordinating The Finances
From Richard Eisenberg; Forbes ~ Nov 01, 2017

Republicans in U.S. Congress scramble after tax bill debut delay
By David Morgan; Reuters ~ Nov 01, 2017

Here's How The Gender Gap Applies To Retirement
By Kara Stiles; Forbes ~ Nov 01, 2017

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