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NRLN WORKS TO PROTECT YOUR RETIREMENT INCOME AND HEALTH CARE SECURITY

The National Retiree Legislative Network (NRLN) is dedicated to senior Americans over age 50. Two million of us welcome you to our website and urge you to share www.nrln.org in emails, with your Facebook Friends and your Twitter Followers. We provide timely news, important information and tools that enable you to help us lobby Congress for reliable pension and Social Security Income and lower cost Health Care Benefits and Medicare. There are over 50 million of us over age 65 now, our children will join 75 million by 2035, and our great grandkids 100 million by 2060. We need to help each other now and they need us to insure their futures NOW!

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.

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PRESIDENT'S  FORUM
And Other Important Messages
Postings from NRLN Facebook Page Are Often Included Here



Article #6 of 6: NRLN Grand Bargain to Save Social Security and Medicare

(If you missed any of the five previous articles click here for NRLN Facebook Post Archives.)

The 2018 Annual Social Security Trustees Report urges elimination of the 75-year OASI deficit gap by raising the payroll tax rate by 2.84% or by finding $25.9 billion in equivalent annual savings elsewhere.

The 2018 Medicare Trustee’s Report urges elimination of the 75-year Hospital Insurance (HI) deficit gap by raising the payroll tax rate by 0.82% or by finding $2.1 billion in equivalent annual savings elsewhere.

The NRLN Grand Bargain proposes elimination of the combined annual Social Security and Medicare HI 75-year deficit gaps totaling 2.39% of 2017 taxable payroll of $1.172 trillion or $28.0 billion in 2018 (the dollar amount may change each year as taxable earnings change) and lowering the annual obligation to fund Medicare B and D, Medicaid and CHIP mandatory programs by urging a collaborative and forceful effort by the Executive Branch and Congress to take the following simple actions:

  • Raise or eliminate the Social Security taxable earnings limit (gap savings potential is 1.5%) and
  • Cut annual wrong and improper payments of $141 billion (gap savings potential is unlimited) and
  • Stop over appropriating, cut pork barrel spending and stop paying subsidies to health care insurers.

Savings would be sequestered and be unavailable to other federal discretionary programs. Savings dollars would be allocated to: fund Social Security and Medicare 75-year deficits first; and then to fund Medicare B and D federal obligations; and then Medicaid and CHIP (demand that states participate).

Article #6 of 6: NRLN Grand Bargain Executive Summary

Seniors must become better informed about Social Security, Medicare, Medicaid and other federal and state programs like CHIP, Supplementary Security Income (SSI) and Unemployment Income and the risks that lie ahead. The goal of the NRLN’s 6-article series is to educate and advocate a nonpartisan view. This is Article #6, a summary of facts and a common sense proposal to save Social Security and Medicare.

Our country needs a long term rational path, not the current short-sighted let’s get reelected ideological path of current policy makers and political parties. It is critical to know that in 2015 there were 79 million baby boomers alive and that 48 million people or 14.9% of the population was over age 65. By 2035 all baby boomers will be over age 70 and with a total of 75 million Americans over age 65, 21.4% of our population. By 2055, 88 million will be over age 65 and by 2060, according to 2000 and 2010 US Census data, 98.2 million Americans will be over age 65. These data must become the basis for U.S. long-term social and economic policies.

Today, retirement savings is down, defined pension plans are waning, health care costs are out of control and health care insurance’s and pharmaceutical industry’s campaign contributions control policy making. If Social Security benefits are reduced by 17-21% and Medicare is privatized, what consequences will our kids and grandkids will face? There’s no need to resort to socialism or government-owned bricks and mortar solutions nor should we tear down what other nations admire and U.S. employees and employers built! Social Security and Medicare are cornerstones and to a large extent have been funded by payroll tax dollars, not good will.

In Article #1 of 6 we established that Social Security and Medicare are headed toward insolvency but that there is a Grand Bargain long term view (75 years) of how to address saving Social Security and Medicare. We established the credibility of our data, most of which are from government documents. We explained the difference between Mandatory and Discretionary spending and our view that politicians use the words Mandatory and Entitlements (with negative tone) interchangeably, as money they can’t spend elsewhere. We established that employees and their companies each own a 50% share of the 12.4% paid into the Social Security trust (subject to a 2018 $127,400 earnings limit) and 50% each of the 2.9% payroll tax (unlimited) paid into the Medicare Plan A Hospital Insurance (HI) trust. We established that Social Security benefits are determined by credits earned and HI taxes pay HI premiums. No welfare here, benefits are prepaid!

Article #2 of 6 disclosed the data regarding the growth of our senior population segments, including baby boomers and how Social Security Disability Insurance and Medicaid programs added more financial stress on payroll tax revenue and federal discretionary budgets that will be further exacerbated by the growth in the over age 65 population segment. We established how critical over age 65 population growth will be to our kids and grandkids as they face higher health care costs and prospects for lower Social Security and Medicare benefits.

Article # 3 of 6 established the financial facts regarding the Social Security Old Age & Survivors Insurance (OASI) and Disability Insurance (DI) programs and how these programs have survived.

For 35 years the Social Security Trustees warned that one in four Americans (25%) will be over age 65 by 2060. Policy makers were advised to add payroll tax dollars, cut benefits or allocate the added annual cash needed to keep the program solvent for 75 years but Congress did nothing. So, today Social Security is not actuarially funded and Congress owes the program $2.9 trillion it borrowed from it but spent elsewhere.

The 2018 Annual Trustees Report urges raising the payroll tax rate by 2.84% or finding the $25.9 billion annual equivalent elsewhere, which would close the 75 year Social Security (OASI) deficit gap.

Raising taxes is very unpopular even if needed as much as companies may need to raise prices when cost go up for all competitors in an industry segment. Most politicians think raising taxes is a career death sentence, too bad!

If no action is taken DI and OASI reserves will be depleted by 2032 and 2034 respectively, when benefits could be cut 17% for all enrollees or 21% for post 2018 enrollees only. Our kids and grandkids will be the losers.

Article #4 of 6 revealed financial data about Medicare, who pays for what and the downside risks for Medicare. Our nation is not effectively addressing common Medicare problems: health care costs rising at double inflation rates and the impact of over-age 65 population growth (to 25% of the U.S. population by 2060).

Over 95% of Medicare A, Hospital Insurance (HI) income is generated from a 2.9% tax on taxable payroll. Congress has not raised this tax rate for 35 years but payroll taxes will support the program, until the over age 65 population growth overtakes the current payroll tax rate and reserves run out in 2026.

The 2018 Medicare Trustee’s Report urges raising the payroll tax rate by 0.82% or finding the $2.1 billion annual equivalent elsewhere to plug a 75-year HI deficit.

Medicare B, C and D are funded by enrollee premiums, interest and other income but 73% of Medicare B, C, and D costs were paid for with $292 billion income tax dollars. Medicaid and CHIP plans add $375 billion and $15 billion respectively. This 2017 $682 billion combined federal outlay will rise due to health care price inflation and the rapid proportional changes occurring in our aging population, specifically those over age 65.

Article #5 of 6, Funding the 75-year deficit, was a disclosure of facts establishing where to find money to help close the Social Security and Medicare 75-year deficit gaps without significantly raising the payroll tax rate.

While this article identified elements of a Grand Bargain proposal, the important public revelation was that in 2012, the Government Accountability Office (GAO) disclosed that wrong and improper payments across all government programs, including states where federal funds were spent, mostly Medicaid, amounted to $107 billion. In 2016 the amount disclosed by (GAO) was $144 billion (plus 40%) but dipped to $141 billion in 2017.

We listed the organizations whose wrong and improper payments exceeded $750 million per year (GAO’s threshold) and were therefore labeled High-Priority programs by the GAO. For example Medicare’s $36.2 billion wrong or improper payments, 9.51% of its total outlays; Medicaid’s $36.7 billion or 10.1%; Medicare Advantage’s (Part C) $14.4 billion or 8.31%; Earned Income Tax Credit $16.2 billion or 23.87%. In 2016, the Congressional Budget Office (CBO) cited lawmakers for appropriating $310 billion (26% of all discretionary spending for fiscal year 2016) over the authorized limit which reflected 256 programs Congress had not reauthorized.

Article #6 of 6: NRLN Grand Bargain to Save Social Security and Medicare

The 2018 Annual Social Security Trustees Report urges elimination of the 75 year OASI deficit gap by raising the payroll tax rate by 2.84% or by finding $25.9 billion in equivalent annual savings elsewhere.

The 2018 Medicare Trustee’s Report urges elimination of the 75 year Hospital Insurance (HI) deficit gap by raising the payroll tax rate by 0.82% or by finding $2.1 billion in equivalent annual savings elsewhere.

In 2017 the Office of the Chief Actuary for Social Security provided Congress a menu of 155 options to reduce benefits and/or raise taxes to close the 75-year deficit gap. Congress did nothing. Congress has pursued the privatization of Medicare using federal subsidies and unproven incentives in Medicare Advantage plans that undercut traditional Medicare benefits. The House Budget Committee proposed a new Commission to investigate wrong and improper payments and to cut them in half in five years – they proposed this several years in a row.

The NRLN Grand Bargain proposes elimination of the combined annual Social Security and Medicare HI 75-year deficit gaps totaling 2.39% of 2017 taxable payroll of$1.172 trillion or $28.0 billion 2018 (the dollar amount may change each year as taxable earnings change) and lowering the annual obligation to fund Medicare B and D, Medicaid and CHIP mandatory programs by urging a collaborative and forceful effort by the Executive Branch and Congress to take the following simple actions:

  • Raise or eliminate the Social Security taxable earnings limit (gap savings potential is 1.5%) and
  • Cut annual wrong and improper payments of $141 billion (gap savings potential is unlimited) and
  • Stop over appropriating, cut pork barrel spending and stop paying subsidies to health care insurers.

Savings would be sequestered and be unavailable to other federal discretionary programs. Savings dollars would be allocated to: fund Social Security and Medicare 75-year deficits first; and then to fund Medicare B and D federal obligations; and then Medicaid and CHIP (demand that states participate).

Bill Kadereit, President
National Retiree Legislative Network

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Research material provided by American Retirees Education Foundation (AREF)


ACTION ALERT



Social Security Not Meant to Pay for Family Leave

Click here to email the NRLN’s sample letter to your Senators and Representatives to tell them you oppose the Economic Security for New Parents Act that would give parents the option to pull a portion of their future Social Security benefits to finance paid family leave. Social Security was not meant to pay for family leave. Workers pay into Social Security throughout their careers and when they reach the eligibility age, Social Security should be there for them, not delayed because of a decision they made years earlier to take parental leave.

ACTION ALERT



Tell Congress to Protect Single Employer Pension Plans

Please take a few minutes now to email the NRLN’s sample letter to urge your Representative and Senators to introduce and pass legislation to protect single employer pension plans during corporate mergers, acquisitions and spin-offs; corporate bankruptcy; pension plan mergers, and improve disclosure on pension plan annual funding notices. Go to https://http://www.congressweb.com/NRLN/74/


alysonHAPPENINGS ON THE HILL – July 2018

By Alyson Parker, NRLN Executive Director

Prescription Drugs

July was a busy month in the fight to reduce the cost of prescription drugs. After talking about the issue for years, some progress is being made.

The Administration just announced that it is exploring how to safely import prescription drugs from other countries when there is a sharp price increase for a drug produced by one manufacturer and not protected by a patent. Health and Human Services Secretary Alex Azar directed FDA Commissioner to establish a working group to explore how this would work. The NRLN, who has sent numerous letters to the HHS Secretary and the President on this issue, is happy to see this option finally being explored.

The HHS Secretary also announced that he would like to use his agencies power to create more open markets for prescription drugs by giving consumers more power to negotiate with drug companies. Secretary Azar, however, did not give specifics in how this would be accomplished.

The House Energy and Commerce Committee Chairman, Greg Walden, and Reps. Gregg Harper (MS-03) and Michael Burgess (TX-26) sent a letter to the Federal Trade Commission requesting them to review mergers of pharmacy benefit managers (PBMs). They are concerned with the lack of transparency in setting prices and that PBMs may use increased market power to increase their profits.

The Senate Health, Education, Labor and Pensions Committee also approved a bill to prevent “gag clauses” from being included in contracts between pharmacies and insurers or pharmacy benefit managers. Gag clauses prevent pharmacists from informing customers that they can save money by not using their insurance and paying cash for the prescription.

With all the attention by the Hill and the Administration on the prescription drug issue, most of the major drug companies have announced that they will “pause” decisions to raise drug prices.

Pensions

The Joint Select Committee on Solvency of Multiemployer Pension Plans held two hearings in July as their November deadline to come up with a solution is rapidly approaching. On July 13th, the Committee held a field hearing in Ohio to consider “What’s at Stake for Current Workers and Retirees.” On July 25th, the committee held a hearing in DC on “How the Multiemployer Pension System Affects Stakeholders.” As the committee continues to examine testimony and possible solutions four more multiemployer pensions applied to the Department of Treasury to reduce pension benefits in order to avoid insolvency.


PHARMA CONTRIBUTIONS TO CONGRESS

money Learn About the Dollars Members of Congress Are Receiving from Pharma How much are your U.S. Representatives and Senators taking as campaign contributions from the Pharmaceutical and Health Products Industry? Could these be a reason why bills to reduce the price of prescription drugs are not being passed? Click here to see data that the NRLN has compiled from OpenSecrets.Org, Center for Responsive Politics. The contributions are for each 2-year election cycle. Note that Representatives run every cycle; Senators every 6 years (3 cycles), one third every 2 years.


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.


NRLN Sharing Two Articles with Important Medicare Information

The NRLN is sharing two articles with important Medicare information that were recently published in the AUSWR CO/WY Retiree Guardian and the NWB – U S WEST – Qwest Retiree Association Retiree Guardian. Both Newsletters are published for retirees of CenturyLink, Qwest, U S WEST and their predecessor companies. Click here to access the articles.


Read

READ MEMBERS COMMENTS HERE


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.


fLY-INSept. 10-12, 2018 for NRLN Fall Fly-In to Washington, DC


Grassroots advocates of the NRLN retiree associations and chapters will meet in Washington, DC with members of Congress and their staffs during the fall Fly-In Monday, Sept.10 through Wednesday, Sept. 12, 2018.

The Holiday Inn Capitol Hotel, at 550 C Street SW, Washington, DC, was selected again for its very competitive nightly room rate and being near Capitol Hill. The room rate for the Sept. meeting is $279 per night. This rate is subject to additional tax and fees.

The Fly-In will begin on Monday afternoon with a session at the hotel. Attendees will spend the entire day of Tuesday and part of Wednesday meeting with their Representatives, Senators and members of their staffs.

The fall Fly-In is open to all NRLN grassroots advocates. Advocates who are affiliated with a retiree association or chapter should notify the president of their organization if they are interested in attending.

Presidents of retiree associations and chapters affiliated with the NRLN are encouraged to solicit as many of their Grassroots State and Congressional District leaders as possible to attend the Fly-In. The sooner the NRLN is notified of intentions to attend the meetings the better it will be for the NRLN to make plans for the meetings. Email intentions to attend and/or questions to contact@nrln.org.


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.

Opinion: Increasing Numbers of Americans Want Single Payer, But Is That What They Want?
From Joshua Cohen; Forbes ~ Aug 16, 2018

Trump officials approve New Jersey plan to stabilize ObamaCare
By Nathaniel Weixel; The Hill ~ Aug 16, 2018

States Leverage Federal Funds To Help Insurers Lower Premiums
By Steven Findlay; Kaiser Health News ~ Aug 15, 2018

The Health 202: Senate Democrats stay focused on health care even during short August recess
By Colby Itkowitz; The Washington Post ~ Aug 15, 2018

Drug middlemen push back that rebates are to blame for high drug prices
By Robert King; The Washington Examiner ~ Aug 15, 2018

Cuts in Social Security and Medicare are inevitable. Delaying reform will make it worse
By David Schoenbrod and Brian Riedl, USA Today – Aug 15, 2018

Feds Urge States To Encourage Cheaper Plans Off The Exchanges
By Michelle Andrews; Kaiser Health News ~ Aug 14, 2018

Google parent invests $375M in ObamaCare startup Oscar
By Peter Sullivan; The Hill ~ Aug 14, 2018

Scam robocallers are getting creative and stole nearly $1 billion last year
By Elisabeth Buchwald; MarketWatch ~ Aug 14, 2018

Opinion: For Older Drivers, Silence Is Not Golden
From Tanya Mohn; Forbes ~ Aug 14, 2018

Short-Term Plans Allowed By Trump Not Being Embraced By State Insurance Commissioners
From KHN Morning Briefing; Kaiser Health News ~ Aug 13, 2018

Patients often end up with expensive medical bills, even when they go to in-network facilities: analysis
By Jessie Hellmann; The Hill ~ Aug 13, 2018

Does Self-Directed Long-Term Home Care Make Sense For You?
From John F. Wasik,; Forbes ~ Aug 13, 2018

Opinion: Healthcare Is The No. 1 Issue For Voters; A New Poll Reveals Which Healthcare Issue Matters Most
From Robert Pearl, M.D. ; Forbes ~ Aug 13, 2018

The Terrible Social Security Proposal That Just Won't Die
By Sean Williams; The Motley Fool ~ Aug 12, 2018

Opinion: New Medicare drug pricing rule — a small 'step' in the right direction
From Rea S. Hederman Jr.; The Hill ~ Aug 11, 2018

A counter balance to Big Pharma at the ballot box
From David Mitchell; The Hill ~ Aug 11, 2018

Does America Face a "Boom" in Retiree Bankruptcies?
From Andrew Biggs; Forbes ~ Aug 10, 2018

Osteoporosis drugs tied to lower fracture risk and health costs
By Lisa Rapaport; Reuters ~ Aug 10, 2018

Medicare To Overhaul ACOs But Critics Fear Less Participation
By Phil Galewitz; Kaiser Health News ~ Aug 09, 2018

Opinion: No, "Medicare for All" Is Still Not Plausible
From Brian Riedl; Economics21 ~ Aug 10, 2018

Opinion: Social Security and the Myth About the 3rd-Rail
By Brenton Smith, FedSmith – Aug 8, 2018

Why Medicare Can't Get The Lowest Drug Prices
From John Wasik; Forbes ~ Aug 10, 2018

Income From the Taxation of Social Security Benefits Will More Than Double by 2026
By Sean Williams; The Motley Fool ~ Aug 10, 2018

Opinion: Americans Fund Most of the World’s Drug Research. Here’s How Trump Can End That
From Charles Boustany; Fortune ~ Aug 09, 2018

Trump admin urges states to cooperate on expansion of non-ObamaCare plans
By Jessie Hellmann; The Hill ~ Aug 09, 2018

Pharmacy-Made Pain Creams Flagged On Fears Of Medicare Fraud And Risk
By Julie Appleby; Kaiser Health News ~ Aug 09, 2018

Medicare’s Power To Negotiate Drug Prices Will Harm Patients With Chronic Illnesses, Advocates Warn
From KHN Morning Briefing; Kaiser Health News ~ Aug 09, 2018

CVS launches MinuteClinic -- phone app health visits
By Danielle Haynes; United Press International ~ Aug 08, 2018

Opinion: FDA Approves First Generic Drugs For Fast-Track Review To Combat Overpriced Drugs
From Evie Fordham; The Daily Caller ~ Aug 08, 2018

Longevity Re-Explained: It's Taking Longer For People To Feel Old
From Robert Laura; Forbes ~ Aug 08, 2018

State Insurance Regulators Doubtful That ‘Junk Insurance Is Better Than Nothing’ When It Comes To Short-Term Plans
From KHN Morning Briefing; Kaiser Health News ~ Aug 07, 2018

Opinion: Lawsuit exposes fatal flaw in ObamaCare's individual mandate
From Robert Henneke & Braden Boucek; The Hill ~ Aug 07, 2018

Here's How To Refresh Your Retirement: The 4% Rule Of Thumb
From Kerri Zane; Forbes ~ Aug 07, 2018

Opinion: Changes To Drug Prices: Gestures And Real Policy Shifts
From Joshua Cohen; Forbes ~ Aug 07, 2018

Opinion: The capital gains tax cut: Like taking candy from a baby
From Gary A. Garfield; The Hill ~ Aug 07, 2018

Commentary: Retirement reality: Many Americans will not be able to live out their dreams
By Jay Shah, CNBC – Aug 8, 2018

More older Americans filing for bankruptcy
By Brittany De Lea, Fox Business – Aug 6, 2018

Just Because Extended Short-Term Plans Are Allowed Doesn’t Mean Insurers Are Ready To Offer Them
From KHN Morning Briefing; Kaiser Health News ~ Aug 06, 2018

Opinion: What Will Solo Agers Need When They Are Really Old?
From Sara Zeff Geber; Forbes ~ Aug 06, 2018

Opinion: Hospitals have been fleecing Medicare seniors—but hopefully not for much longer
From Ted Okon; The Hill ~ Aug 06, 2018

Opinion: To Avoid a Nasty Tax Surprise on April 15, Check Your Withholding Now
From Brian Vnak, CFP, CPA: Kiplinger ~ Aug 06, 2018

Retirees Struggle To Locate Billions In Lost Pensions As Government Looks For Solutions
By Liam Knox & Lucas Smolcic Larson; WGBH ~ Aug 06, 2018

Opinion: Compulsory pharmaceutical licensing is little more than government theft
From Elizabeth Wright; The Hill ~ Aug 05, 2018

Slow rollout, more fine print with Trump health care options
By Ricardo Alonso-Zaldivar; The Associated Press ~ Aug 05, 2018

Editorial: Trump offers dose of health care coverage sanity
From “Staff”; Boston Herald ~ Aug 05, 2018

'Medicare for all' is a pipe dream
From Dr. Marc Siegel; The Hill ~ Aug 04, 2018

Savvy Senior: How Medicare covers diabetes
By Jim Miller; Daily Herald ~ Aug 05, 2018

What The Demise Of The DOL Fiduciary Rule Means For You: 4 Questions To Ask Your Advisor Now
From Ron Carson; Forbes ~ Aug 05, 2018

Express Scripts hits back at criticisms of PBMs, says it 'would do just fine' without drug price rebates
By Paige Minemyer; FierceHealthcare ~ Aug 03, 2018

Opinion: We need family leave -- but not at the expense of retirement benefits
From Jennifer Greenfield; CNN ~ Aug 03, 2018

Democrats Hope To Put Republican Senators On Hot Spot With Vote To Block Short-Term Plans
From KHN Morning Briefing; Kaiser Health News ~ Aug 03, 2018

AT&T Overpaid Some Pensioners. Now It Wants the Money Back.
By Theo Francis, Wall Street Journal, Aug 3, 2018

New Trump administration rule will require hospitals post prices online
By Jessie Hellmann; The Hill ~ Aug 03, 2018

Medicare Part D Premiums Expected to Decline in 2019
By Thomas Beaton; HealthPayer Intelligence ~ Aug 03, 2018

How drug companies are beating Trump at his own game
By Sarah Karlin-Smith, Sarah Owermohle and Andrew Restuccia, Politico – Aug 3, 2018

Rubio rolls out paid parental leave bill
By Naomi Jagoda, The Hill – Aug 2, 2018

Senate Dems to force vote to block non-ObamaCare insurance plans
By Nathaniel Weixel; The Hill ~ Aug 02, 2018

‘These Plans Aren’t For Everyone’: Administration Defends Short-Term Coverage As Critics Call It Junk Insurance
From KHN Morning Briefing; Kaiser Health News ~ Aug 02, 2018

Nearly a Third of US Pension Plans Are Now within Striking Distance of a Buyout, Says RiskFirst Analysis
From Business Wire; The Associated Press ~ Aug 02, 2018

The Trump Administration Will Boost 'Short-Term Health Plans'—Here's What That Means for You
By Sy Mukherjee; Fortune ~ Aug 01, 2018

Column: Is meaningful, part-time work in retirement a myth?
From Gail MarksJarvis; Reuters ~ Aug 02, 2018

Column: Author delves into U.S. Social Security's origins to debunk myths
From Mark Miller; Reuters ~ Aug 02, 2018

Senate GOP battles for leverage with House on spending
By Alexander Bolton & Niv Elis; The Hill ~ Aug 01, 2018

To Tame Prescription Prices, HHS Dips A Toe Into Drug Importation Stream
By Rachel Bluth; Kaiser Health News ~ Aug 01, 2018

Single-Payer Health Plan Studies Give Fuel to the Left and Right
By Zachary Tracer; Bloomberg ~ Aug 01, 2018

Why Does U.S. Spend So Much On Health Care? One Reason Is No One Really Knows True Cost Of What They’re Buying
From KHN Morning Briefing; Kaiser Health News ~ Aug 01, 2018

Trump’s short-term health plans are cheaper but cover less
By Ricardo Alonso-Zaldivar; The Associated Press ~ Aug 01, 2018

Opinion: Homeowner's insurance: 10 tips for older Americans
From Robert Powell; USA TODAY ~ Aug 01, 2018

What Will Social Security Look Like in 50 Years?
By Sean Williams; The Motley Fool ~ Aug 01, 2018

Opinion: New parents face the 'social insecurity' of our time, so let's help
By Marco Rubio and Ann Wagner, USA Today – Aug. 1, 2018

Some Doctors, Patients Balk At Medicare’s ‘Flat Fee’ Payment Proposal
By Martha Bebinger, WBUR; Kaiser Health News ~ Jul 31, 2018

Does The ‘Medicare-For-All’ Price Tag Seem Staggering? Some Experts Say It Goes Beyond Just The Basic Numbers
From KHN Morning Briefing; Kaiser Health News ~ Jul 31, 2018

Liberal Dems lay groundwork to push 'Medicare for all'
By Peter Sullivan; The Hill ~ Jul 31, 2018

When Your Parent Refuses Caregiving Help
From Jody Gastfriend; Forbes ~ Jul 31, 2018

America’s greatest foe isn’t China or Russia — it’s debt
From Harry J. Kazianis ; The Hill ~ Jul 31, 2018

99% of Americans don’t make this easy money-saving choice on health care
By Kari Paul; MarketWatch ~ Jul 31, 2018

Opinion: How Paul McCartney, Betty White and Ruth Bader Ginsburg Are Changing The Face of Retirement
From Megan Gorman; Forbes ~ Jul 31, 2018

Social Security Keeps Losing Buyer Power, and Seniors Are Suffering for It
By Maurie Backman; The Motley Fool ~ Jul 31, 2018

Drug Trade Group Quietly Spends ‘Dark Money’ To Sway Policy And Voters
By Jay Hancock; Kaiser Health News ~ Jul 30, 2018

The Latest Culprit In The High Drug Price Blame-Game: The Pharmaceutical Rebate
From KHN Morning Briefing; Kaiser Health News ~ Jul 30, 2018

Why The Idea Of Single Payer Heath Care Won't Die
From Paul Hsieh; Forbes ~ Jul 30, 2018

Study: ‘Medicare for all’ projected to cost $32.6 trillion
By Ricardo Alonso-Zaldivar; The Associated Press ~ Jul 30, 2018

Arizona doctor on state Medicaid panel took $700K from drug makers, the most in the U.S.
By Rebekah L. Sanders, Arizona Republic – July 27, 2018

Scam robocallers are getting creative—and even fooling tech-savvy millennials
By Elisabeth Buchwald; MarketWatch ~ Jul 30, 2018

Opinion: As Trump Attacks, Insurers Boost Obamacare Marketing
From Bruce Japsen; Forbes ~ Jul 29, 2018

Secrets to Successfully Aging in Place
From Bob Carlson; Forbes ~ Jul 29, 2018

This Is Great News for Social Security's 2019 COLA
By Sean Williams, Motley Fool – July 29, 2018

Republican chairman wants FTC to review mergers of drug price negotiators
By Peter Sullivan ; The Hill ~ Jul 27, 2018

Azar says HHS will create more open market for prescription drugs
By Yanchun Liu; MarketWatch ~ Jul 27, 2018

Medicare to reconsider paying for spine operations in surgery centers
By Christina Jewett; USA TODAY ~ Jul 27, 2018

Medicare for all is a socialist’s dream — and an American Nightmare
From Dr. Deane Waldman; The Hill ~ Jul 28, 2018

Here's When Congress Will Fix Social Security
By Sean Williams; The Motley Fool ~ Jul 28, 2018

Meet the Rebate, the New Villain of High Drug Prices
By Katie Thomas; The New York Times ~ Jul 27, 2018

Progressive-Favorite ‘Medicare For All’ Takes A Battering From Trump Administration Health Officials
From KHN Morning Briefing; Kaiser Health News ~ Jul 27, 2018

Prudential, Raytheon Reach Deal On $923 Mln Pension Risk Transfer
By “RTT News”; Nasdaq ~ Jul 26, 2018

States sue Trump administration over expansion of skimpy group insurance plans
By Nathaniel Weixel; The Hill ~ Jul 26, 2018

Verma Slams Popular Progressive Rallying Cry Saying ‘Medicare For All’ Would Become ‘Medicare For None’
From KHN Morning Briefing; Kaiser Health News ~ Jul 26, 2018

4 more multiemployer pension funds apply for benefit reductions
By Hazel Bradford; Pensions & Investments ~ Jul 26, 2018

House Votes Overwhelmingly To Kill Obamacare’s Tax On Medical Devices
By Julia Cohen; The Daily Caller ~ Jul 25, 2018

Déjà Voodoo: Pharma’s Promises To Curb Drug Prices Have Been Heard Before
By Jay Hancock & Sarah Jane Tribble; Kaiser Health News ~ Jul 25, 2018

Opinion: Your Portfolio Is Due For Maintenance. Here's How To Check It
From Kate Stalter; Forbes ~ Jul 25, 2018

Administration Reverses Course, Reinstates Insurer Payments Just Weeks After Freezing Risk-Adjustment Program
From KHN Morning Briefing; Kaiser Health News ~ Jul 25, 2018

Opinion: 'Tax Reform 2.0' And How The GOP's Deal With The Devil Could Backfire
From Jeffrey Levine; Forbes ~ Jul 26, 2018

House Dems introduce bill to allow Medicare to negotiate drug prices
By Peter Sullivan; The Hill ~ Jul 25, 2018

Senate panel approves bill banning 'gag clauses' in pharmacy contracts
By Jessie Hellmann; The Hill ~ Jul 25, 2018

Most People Haven’t Heard Of Trump’s Drug Plan, But The Ones Who Have Aren’t Optimistic It Will Lower Prices
From KHN Morning Briefing; Kaiser Health News ~ Jul 24, 2018

House GOP launches push for permanent individual tax cuts

GOP chairman outlines plan for phase two of tax cuts
By Naomi Jagoda; The Hill ~ Jul 24, 2018

Opinion: What Retirement Means For Charitable Giving And Volunteering
From Richard Eisenberg; Fortune ~ Jul 24, 2018

Opinion: Social Security fixes that would help widows, the oldest old, and low earners
From Richard Eisenberg; MarketWatch ~ Jul 24, 2018

Tax reform 2.0 can alleviate Americans' chronic saving problem
From Ernest Christian & Chris Edwards; The Hill ~ Jul 24, 2018

Lower Cost, Higher Quality Health Care Is Right At Our Fingertips
From John C. Goodman; Forbes ~ Jul 23, 2018

CMS Proposes Plan To Pay Doctors The Same For Seeing Patients With A Cold Or Stage 4 Cancer
From KHN Morning Briefing; Kaiser Health News ~ Jul 23, 2018

After SAFE Act Passage The Battle Against Elder Financial Abuse Remains Far From Over
From Jamie Hopkins; Forbes ~ Jul 23, 2018

Opinion: Blame Democrats -- not Trump -- for sabotaging ObamaCare
From Sally Pipes; Fox News ~ Jul 23, 2018

Congress: Support access to palliative care for aging Americans
From Edo Banach; The Hill ~ Jul 23, 2018

An Intricate Look at How Social Security Will Be Funded Over the Next 10 Years
By Sean Williams; The Motley Fool ~ Jul 21, 2018

Trump battle over drug prices heats up
By Jessie Hellmann; The Hill ~ Jul 22, 2018

Lowering drug prices is a political move that makes both Trump and drug companies 'look good,' says analyst
By Kellie Ell; CNBC ~ Jul 21, 2018

The CEO of one of the largest health insurers in the US explains the problem with healthcare in America
By Ali Newhard, Jacqui Frank & Sara Silverstein; Business Insider ~ Jul 20, 2018

Think you'll live until age 95? You'd better save $100,000 extra for retirement
By Christy Bieber, TMF; Coloradoan ~ Jul 21, 2018

Quality, not quantity, should guide Medicare coverage for heart valve disease treatment
From Susan Peschin ; The Hill ~ Jul 21, 2018

Got Medicare Advantage? Prepare for New Perks — and New Questions.
By Paula Span; The New York Times ~ Jul 20, 2018

Swiss, German drugmakers join U.S. price freeze
By John Miller; Reuters ~ Jul 20, 2018

Merck Is Latest Drugmaker To Lower Some Prices, Earning Political Points As White House Prepares Cost Plan
From KHN Morning Briefing; Kaiser Health News ~ Jul 20, 2018

Social Security Issues Warning About Scams Similar To Those IRS Phone Scams
By Kelly Phillips Erb; Forbes ~ Jul 20, 2018

Trump Administration Preparing Fix for Obamacare Risk Payments
By Zachary Tracer; Bloomberg ~ Jul 19, 2018

Dems pressure GOP to take legal action supporting pre-existing conditions
By Jessie Hellmann; The Hill ~ Jul 19, 2018

U.S. Returning To Pre-ACA Days Where How Much You Pay For Insurance Is All About Location, Location, Location
From KHN Morning Briefing; Kaiser Health News ~ Jul 19, 2018

Opinion: Tax Reform Will Pay Big Dividends For This Economy
From Milton Ezrati; Forbes ~ Jul 18, 2018

GOP looks to blunt Dems’ attacks on rising premiums
By Peter Sullivan; The Hill ~ Jul 19, 2018

Poll: Half of Americans find health care harder to afford this year
By Brett Samuels ; The Hill ~ Jul 19, 2018

Trump administration to explore importing prescription drugs
By Nathaniel Weixel; The Hill ~ Jul 19, 2018

Trump's Drug Plan Picks Up Momentum as Merck Lowers Some Prices
By Anna Edney; Bloomberg ~ Jul 18, 2018

Opinion: Changing The Way Medicare Pays Doctors
From Howard Gleckman; Forbes ~ Jul 19, 2018

Study: Many patients, family members feel uncomfortable voicing safety concerns
By Paige Minemyer; FierceHealthcare ~ Jul 18, 2018

House Dems launching Medicare for All Caucus
By Nathaniel Weixel; The Hill ~ Jul 18, 2018

You Could Soon Get a Tax Break for Going to the Gym—But Should You?
By Sy Mukherjee; Fortune ~ Jul 18, 2018

First it was Pfizer. Now Novartis has frozen drug prices in the US
By Alanna Petrof; CNNMoney ~ Jul 18, 2018

Winning Trump’s praise was easy for Pfizer. Wall Street and the Hill? Not so much
By Arlene Weintraub; FiercePharma ~ Jul 18, 2018

A Growing Number of People Are Navigating Retirement Alone. This Woman Is Spearheading a Movement to Change That
By Elizabeth O'Brien; Money ~ Jul 18, 2018

House Ways And Means Chairman Working With Trump To Figure Out Ways To Unfreeze Insurer Payments
From KHN Morning Briefing; Kaiser Health News ~ Jul 17, 2018

Opinion: Overcoming health-care challenges by moving from volume to value
From Kathleen Sebelius & Tommy G. Thompson; The Hill ~ Jul 17, 2018

Hidden From View: The Astonishingly High Administrative Costs of U.S. Health Care
By Austin Frakt; The New York Times ~ Jul 16, 2018

Fed chairman expects rate hikes to continue
By Brian Croce; Pensions & Investments ~ Jul 17, 2018

States challenge federal deductions cap on state and local taxes
By Lydia Wheeler; The Hill ~ Jul 17, 2018

Tax cuts 2.0: What we know so far
By Brittany De Lea; Fox Business ~ Jul 17, 2018

More and more health care bills are over $1 million—and expensive drugs are playing a major role
By Emma Court; MarketWatch ~ Jul 16, 2018

Opinion: Yet another ObamaCare problem needs to be cleaned up by Trump
From Edmund Haislmaier; The Hill ~ Jul 16, 2018

Obamacare, once a GOP target, is now a midterm rallying cry for Democrats
By Sean Sullivan; The Washington Post ~ Jul 16, 2018

Opinion: 4 Regulations That Would Terrify U.S. Drug Companies Ahead Of The 2018 Midterms
From Robert Pearl, M.D.; Forbes ~ Jul 16, 2018

Cost of Individual Health Insurance Depends More Than Ever On Where You Live
By Donna Rosato; Consumer Reports ~ Jul 16, 2018

Opinion: Study: To Avoid Alzheimer’s, Pay Attention To Your Blood Pressure
From Evie Fordham; The Daily Caller ~ Jul 16, 2018

Opinion: How Hidden Costs Can Dent Your Retirement Income
From John Wasik; Forbes ~ Jul 16, 2018

Retirees Go Back to School to Live Out Golden Years on Campus
By Martin Z Braun; Bloomberg ~ Jul 10, 2018

TVA retirees were misled by their 'trusted adviser' on Medicare | Opinion
From Daniel M. Pitts; Knoxville News Sentinel ~ Jul 15, 2018

Opiinion: Doctors To Trump: Suspending Insurer Payments Hurts Our Sickest Patients
From Bruce Japsen; Forbes ~ Jul 15, 2018

How Trump can lower drug prices

Medicare Part D Struggles with Opioid Epidemic, Overprescribing Concerns
By Todd Shepherd; The Washington Free Beacon ~ Jul 15, 2018

Opinion: Blueprint to Lower Drug Prices could offer a way forward in fight against mushrooming costs
From Lauren Aronson, ; The Hill ~ Jul 13, 2018

FDA joins 22 countries' recall of common heart drug
By Jen Christensen; CNN ~ Jul 13, 2018

Opinion: IRS Unlocks The 'Door' For High-Income Savers
From Jeffrey Levine; Forbes ~ Jul 13, 2018

Opinion: Midterms will show voters are tired of taking back seat to Wall Street
From Heather Booth; The Hill ~ Jul 13, 2018

Opinion: Trump Alone Can Cut Taxes
From Kimberley A. Strassel; The Wall Street Journal ~ Jul 13, 2018

Opinion: Trump order risks ‘politicization’ of administrative, mostly Social Security, judiciary
From Joe Davidson; The Washington Post ~ Jul 13, 2018

U.S. DoJ will not challenge Aetna-CVS deal: report
By Manas Mishra; Reuters ~ Jul 12, 2018

Viewpoint: AHA takes wrong approach in guidelines for addressing Medicare appeals
By Kelly Gooch; Becker’s Hospital Review ~ Jul 12, 2018

Another company just cut its pension plan — what to do if it happens to you
By Alessandra Malito; MarketWatch ~ Jul 12, 2018

Happy Retirement, How To Live Well In Your Golden Years
From David Rae; Forbes ~ Jul 12, 2018

Trump health chief defends suspending ObamaCare payments
By Nathaniel Weixel ; The Hill ~ Jul 12, 2018

Startups Lead a New Rush Into Obamacare's Now-Profitable Markets
By Zachary Tracer; Bloomberg ~ Jul 11, 2018

More insurers expected to enter the ACA exchanges in 2019
By Rose Meltzer; FierceHealthcare ~ Jul 12, 2018

Pfizer reorganizes to handle aging consumers and patents
The Associated Press ~ Jul 11, 2018

AHA Medicare appeals reform recommendations miss the mark
From Kristin Walter; The Hill ~ Jul 11, 2018

Trump administration to dump Obama-era rule allowing unions to siphon Medicaid money
By Gregg Re; Fox News ~ Jul 10, 2018

Trump’s Taken Two Huge Swipes At Obamacare In Under A Week
By Robert Donachie; The Daily Caller ~ Jul 11, 2018

Opinion: The Lack Of Medical Device Security -- Accidents Waiting To Happen
From Paul Martyn; Forbes ~ Jul 11, 2018

How to shockproof your retirement healthcare costs
From Gail MarksJarvis; Reuters ~ Jul 11, 2018

Trump orders DOJ task force to investigate wide range of fraud
By Ed Adamczyk; United Press International ~ Jul 11, 2018

Top Dem demands more details on pricing deal between Pfizer and Trump
By Jessie Hellmann; The Hill ~ Jul 11, 2018

Virtual Reality Isn't Just For Gamers Anymore; It Will Change Your Health
From Bill Frist; Forbes ~ Jul 10, 2018

House panel to consider 340B drug discount program limits
By Susannah Luthi; Modern Healthcare ~ Jul 10, 2018

More conservative discount rates would hurt multiemployer pension system, Congress told
By Hazel Bradford ; Pensions & Investments ~ Jul 09, 2018

Will The Cost Of Healthcare Devour Your Retirement Income?
From David Rae; Forbes ~ Jul 09, 2018

Trump calls out Pfizer for raising drug prices
By Nathaniel Weixel; The Hill ~ Jul 09, 2018

Choking on the Cost of 'Medicare for All'
From Sally Pipes; Forbes ~ Jul 09, 2018

Study: Paid family leave proposal would accelerate Social Security's insolvency
By Naomi Jagoda; The Hill ~ Jul 09, 2018

Pay up! IRS now sending tax delinquents’ names for passport denials
By Andrew Malcolm; Hot Air ~ Jul 08, 2018

Insurers predict 'market disruption' after Trump suspends Obamacare risk payments
By Amanda Becker; Reuters ~ Jul 08, 2018

Do your homework before moving into a retirement community
By Darla Mercado; CNBC ~ Jul 08, 2018

A Fatal Flaw as Trump Tries to Remake Health Care: Shortcuts
By Robert Pear; The New York Times ~ Jul 07, 2018

Liberal states impose new individual mandate ahead of ObamaCare rollback
By Alex Pappas; Fox News ~ Jul 06, 2018

Opinion: How To Age Independently? Retiring Well Requires More Than Money, Diet And Exercise
From Joseph Coughlin; Forbes ~ Jul 07, 2018

340B overhaul at the top of Congress, Azar's mind
By Mike Stankiewicz; FierceHealthcare ~ Jul 06, 2018

Troublesome News: Numbers Of Uninsured On The Rise
From Joshua Cohen; Forbes ~ Jul 06, 2018

Why didn't many retirees see a Social Security increase?
By Casey Dowd; Fox Business ~ Jul 06, 2018

What Does a Drug Cost? It Depends on Where You Live.
By Katie Thomas; The New York Times ~ Jul 06, 2018

Opinion: The New Plot Against Health Care
From David Leonhardt; The New York Times ~ Jul 05, 2018

Opinion: Congress should stand up for seniors and the Medicare Part D deal
From Nancy LeaMond; The Hill ~ Jul 05, 2018

Opinion: The Simple Credit Mistake Costing Americans Millions
From Liran Amrany; Forbes ~ Jul 05, 2018

The Stubborn Resilience Of The Affordable Care Act
From KHN Morning Briefing; Kaiser Health News ~ Jul 05, 2018

How To Fix Social Security For Vulnerable Americans
From Richard Eisenberg; Forbes ~ Jul 05, 2018

Opinion: What Happens When You See The Same Doctor? Link With Lower Death Rates
From Bruce Y. Lee ; Forbes ~ Jul 03, 2018

AMA Seeks to Make Long-Term Care Services More Affordable
From HealthDay News; EndocrinologyAdvisor ~ Jul 04, 2018

Pfizer hikes prices on 100 drugs
By Avery Anapol; The Hill ~ Jul 04, 2018

CMS Administrator Seema Verma presses for remote monitoring of patients
By Bernie Monegain; Healthcare IT News ~ Jul 03, 2018

Government To Spend $17 Billion On Insurance Subsidies In 2018
By Julia Cohen; The Daily Caller ~ Jul 03, 2018

Despite Efforts To Chip Away At Health Law, Number Of Americans Who Began Paying For Coverage Increased
From KHN Morning Briefing; Kaiser Health News ~ Jul 03, 2018

Opinion: Emergency departments: the ‘chewing gum and duct tape’ holding together U.S. health care
From Paul Seward; STAT ~ Jul 03, 2018

Tax planning 2018: Confusion under the new tax law can be costly
By Ray Martin; CBS News ~ Jul 03, 2018

Senators press PBMs to clarify Azar's ‘extremely disturbing' drug pricing allegations
By Evan Sweeney; FierceHealthcare ~ Jul 02, 2018

Retirement legislation could be hot topic in 2019, conference attendees told
By Meaghan Kilroy; Pensions & Investments ~ Jul 02, 2018

Pro-ObamaCare group launches ad in Supreme Court fight
By Jessie Hellmann; The Hill ~ Jul 02, 2018


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