Health Insurance | Better Bills

Premium tax would hike health-insurance costs

April 28, 2011 By admin

Why? Because Congress wants to levy a .7 billion premium tax on all private health plans each year for the next decade to pay for reform.

That’s a billion tax.

Health plans will have no choice but to pass these costs on to the consumer. This tax will make it tougher for families to afford coverage, increase the difficulty for small-business owners trying hard to insure workers, and stifle job creation.

In Florida, small businesses are the bedrock of our economy. This tax will hit our economy especially hard. It’s just not what families and small businesses need as they dig their way out of a severe recession.

The Congressional Budget Office evaluated this tax and found it will lead to “higher premiums for private coverage.” The nonpartisan CBO estimated that premiums for individual coverage could rise by as much as 13 percent.

This tax also might be disruptive to policyholders, because it could damage the ability of health plans to deliver all the benefits that members expect.

That’s because Congress is ready to impose this health-insurance tax in 2010. That’s after families have already signed up for coverage for next year, and after small businesses have already negotiated coverage contracts.

The result? Health plans may not receive enough premium to cover the costs of the massive tax, and benefits might suffer.

Unfortunately, health plans have been demonized in the pursuit of reform. But in reality, it’s not true to claim that health plans make a lot of money; their profit margins are actually pretty small.

In 2008, private health plans made .61 billion in total profits nationally, according to Forbes magazine. The industry’s profit margin was just 2.2 percent, ranking health plans 35th out of 53 industries in terms of profitability.

As the president and CEO of SantaFe HealthCare — the parent company of AvMed Health Plans — I am truly concerned by this proposed tax. As one of Florida’s oldest and largest nonprofit health plans, AvMed reinvests its earnings each year to continually improve on the benefits and services it offers to members in Orlando and elsewhere.

Obviously, a health-insurance tax that wipes out most of our annual earnings is counterproductive to our mission. Surely, congressional leaders must grasp that this tax doesn’t make sense.

There are better ways to pay for the systemic health-care reform that AvMed and other health plans support.

Instead of taxing health insurance, Congress should focus on the underlying costs of medical care. We can achieve huge cost savings by ending unnecessary treatments and services, rooting out rampant fraud and ending frivolous medical lawsuits filed by trial lawyers.

Health reform shouldn’t hurt Florida’s families and small businesses. It shouldn’t hamper the ability of health plans to provide benefits.

Time’s running out.

Please contact your congressional representative and Florida’s two senators today. Ask them to vote against this harmful health-insurance tax. We can achieve true, lasting reform in better ways.

A panel of experts focuses on the economic costs and benefits of the health insurance exchanges, one of the key features of the Affordable Care Act (ACA). In addition, they examine the economic cost and potential benefits of health reform for small firms, the self-employed, the unemployed, and other segments of the population. More generally, they consider how the government (both at the national and state level) can work on managing the costs of health reform more effectively. Series: “Institute of Governmental Studies, UC Berkeley (IGS)” [4/2011] [Health and Medicine] [Show ID: 20620]
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Filed Under: Health Insurance Tagged With: Costs, healthinsurance, hike, Premium, Would

City Negotiates Health Insurance Snag

April 17, 2011 By admin

A city firefighter involved in an off-duty motorcycle crash in June was denied health insurance coverage for his injuries because the city’s health insurance required him to wear a helmet.

Lt. James Baker waited to see if the city council would accept a negotiated settlement this evening that would pay a reduced amount.

The Sebring City Council will meet at 6:30 p.m. today at 368 S. Commerce Ave. to vote on this and several other issues.

Baker suffered injuries from a motorcycle crash on U.S. 27 for which the medical claim came to about ,000. He was airlifted to the Tampa General Hospital’s trauma center.

“I was out for a little less than two months,” said Baker. “I returned to full duty around the first of August 2009.”

Baker’s insurance claim was initially denied because a clause added to the city’s health insurance policy in 2005 on “activities of a hazardous nature,” excluded from coverage motor cycle accidents without helmets.

Baker claimed he would have been injured regardless of whether he wore a helmet, and thus the claim should be paid. He suffered mostly abdominal injuries and no head injuries, he said Monday.

In 1998 when he was hired, Baker said he received a copy of his insurance policy, and at time the exclusion clause was not there. He had no recollection of being notified that it was added, he added.

Had he known of the exclusion, he would have been wearing a helmet, he said.

At a city Health Insurance Committee meeting, City Clerk Kathy Haley said she was not sure if the notice of the added exclusions were handed out to city employees, the minutes of the meeting show.

Mayor George Hensley said a committee or an employee might consider different activities “hazardous.”
City Administrator Scott Noethlich agreed, but asked how one defined “hazardous.”

Representatives of the city’s health insurance administrator, Anchor Benefit, negotiated a settlement of ,750, which they will have to pay.

At a special meeting held Feb. 25, the committee recommended that the council accept Anchor Benefit’s negotiated discount with the understanding that Baker pays his remaining out-of-pocket maximum for the year of 4.74 and a 5 fee to negotiate the claims.

The tentative agreement further concluded that the basis of the recommendation was that Baker did not receive any head injuries and that he would have been injured even if he was wearing a helmet at the time of the crash.

However, it remains up to the city council to approve the deal.

Hensley said Monday that representatives of Anchor Benefit consulting had advised that this exclusion is not usually found in insurance policies, and Hensley believed the city would probably take a closer look at it.

Baker has since stopped riding a motorcycle, citing his love for his wife and five children.

He said that his wife told him while he was still in Tampa General Hospital that she knew how much he loved riding a motorcycle and she would not ask him to stop.

“That was a hobby,” said Baker. “I was ready to give it up, not to put my family through that again.”

On July 1, 2000, Florida exempted adult motorcyclists and moped riders from wearing helmets provided they have 000 in medical insurance, according to Andreas Muller, in the April 2004, American Journal of Public Health.

Since then, Florida statutes have required motorcycle riders younger than 21 years to wear helmets.

The statute was signed into law by former Gov. Jeb Bush.

Before that Florida had a helmet law that required all riders to wear safety helmets.

Health Insurance Costs to Rise Sharply in 2011

April 9, 2011 By admin

A Coping Strategy for the Healthy

With open enrollment season just around the corner, this may be the year to consider a high deductible health insurance plan that you can then pair with a Health Savings Account. More firms are offering these plans; if you are in relatively good health, you can reduce your premium by opting for a high-deductible plan. For this year that means a family deductible of at least ,400, or ,200 for an individual policy.

Once you enroll in a qualifying high-deductible plan you’re then eligible to contribute to your own HSA. You get a tax break on contributions into the HSA and withdrawals used to pay for medical expenses are not taxed. The maximum family contribution to an HSA this year is ,150. (,050 for individuals.) The maximums for 2011 have yet to be announced; they probably won’t budge given the low general rate of inflation.

You can also let the money sit in the HSA and grow; unlike a flexible spending account there is no “use it or lose it provision.” Your balance can be used for future medical expenses decades from now. Or once you turn 65 you are free to use your HSA balance for anything. though you will owe income tax on your withdrawals. Just like with a Traditional IRA.
Well, there’s one area where deflation will definitely not be at play in 2011: health insurance. A survey of large businesses reports that employers expect their health care insurance costs to rise by an average of 8.9 percent in 2011. And to help cover those rising health insurance costs, more than six out of 10 employers also expect to raise their employees’ share of the premium cost. Given that the average salary raise for 2011 is expected to be in the vicinity of 3 percent, it’s likely many Americans are going to see any bump in their compensation eaten up by having to pay more for health insurance.

As Derek Thompson laid out in a post last week at The Atlantic we may need to get used to that sad fact. Thompson highlighted this 2009 chart from the President’s Council of Economic Advisers:
Yes, the chart was ginned up pre-health care reform, but the final legislation pretty much punted on health care cost containment, so there’s no reason to expect the trajectories in the chart will change anytime soon.

Paying More for the Less Coverage

According to the National Business Group on Health survey, paying more of your overall premium is just one extra cost you may face in 2011; out-pocket maximums and bigger in-network deductibles are the next two “most popular” options employers will enlist to share the pain of rising insurance coverage.

Filed Under: Health Insurance Tagged With: 2011, Costs, Health, Insurance, Rise, Sharply

Health Insurance Mandates

April 8, 2011 By admin

The threat by McDonald’s to discontinue its health-insurance coverage is one recent aftershock of the health care overhaul, as my column this week discusses. In the end, McDonald’s seems unlikely to follow through on that threat. But another part of the new law will lead to real changes: the requirement that insurers offer coverage to all children, including those with pre-existing illnesses.

As Reed Abelson has written, the new rule has caused “some insurers to balk at the idea that they will be forced to cover too many sick children. Aetna, Cigna and WellPoint, among others, have said they will stop selling new [child-only] policies in some states.”

This situation perfectly illustrates why many economists say the health care law rightly mandates that everyone have health insurance. Without it, the market for health insurance won’t function very well. That has long been clear with individual policies — that is, those not offered by employers — which are terribly expensive. Why? Because the market is dominated by people who are sick and who expect to get sick. Healthy people who don’t get insurance from their employer, by contrast, are often willing to remain uninsured (which, of course, can prove to be a really bad idea).

Similarly, families who react to new legal treatment of children by trying to buy insurance will be disproportionately those with children who need a good bit of medical care. Some insurers know this and are reluctant to be in the market.

The situation will eventually sort itself out, because all families will have to get insurance starting in 2014. But until the law’s provisions are fully in place, Aaron Carroll — an Indiana University doctor who writes for the Incidental Economist blog — points out that “this kind of situation will crop up again and again and again.”

Between now and 2014, federal regulators can deal with such problems by offering temporary exemptions where they seem to be needed. Without a health-care mandate, though, there would be no good ultimate answer.

Filed Under: Health Insurance Tagged With: Health, Insurance, Mandates

health insurance costs for 2011 include higher premiums and co-payments

March 14, 2011 By admin

The selection is likely to be even less appealing this year than last. According to experts and industry insiders, recent trends suggest rates will continue to rise and employers will continue to shift more of the cost of health insurance onto workers – asking them to shoulder a larger share of premiums, for instance, or increasing out-of-pocket costs such as deductibles and co-pays.Easy To Insure ME has the answers

This past year, overall premiums for employer-sponsored coverage – meaning the amounts paid by employer and employee combined – rose a relatively modest average of 3 percent for family coverage, according to a study by the Kaiser Family Foundation and the Health Research & Educational Trust. But the share of such premiums covered by the worker increased from 27 percent to 30 percent, with the result that the amount paid by workers rose an average of 13.7 percent.

The most comprehensive statistics on plan offerings for 2011 won’t be available for months. But a September survey of employers by Mercer, a leading benefits consulting company, suggests last year’s patterns will continue.

Overall, the employers said that they expected their health-care costs to increase between 9 and 12 percent – but that they planned to use cost-saving measures to effectively bring that increase down to 6 percent. Some 57 percent said one way they would do this would be to have their employees pay a greater share of the cost of coverage.

Many employers also said they would try to lower their costs by prompting employees to improve their health: Forty-four percent said they will add health management or wellness programs. An additional 38 percent said they will add incentives for employees to participate in existing programs.

Impact of the new law

Because this is the first major open-enrollment period since key provisions of the new health-care law started taking effect, many workers will wonder how much of the plan changes they see is due to the legislation. Not much, say analysts.

The law’s most market-altering changes – including provisions that may or may not control premiums – don’t kick in until 2014.

“We’re three years away from that,” said economist Paul Fronstin of the nonprofit Employee Benefits Research Institute. “For the most part, the plans don’t know what they’re going to be doing [in response]. It’s just too soon.”

There is a notable exception: On their next annual renewal date, all plans will be required to comply with certain mandates such as eliminating lifetime dollar limits on benefits and allowing parents to put adult children up to age 26 on their plan. Insurers that make certain changes to existing plans or employers that switch insurance carriers will have to offer additional benefits such as free preventive services.

It’s possible that bare-bones employer-sponsored plans – particularly small-group plans bought by businesses with only a few employees – may need to substantially increase premiums to cover the extra cost. And a number of insurers have already blamed the law for coming large rate hikes. But estimates by researchers suggest that on average premium increases for employer-based plans due to the new requirements will be less than 2 percent.

“And we’re talking less than 1 percent in many cases,” said Sara Collins, head of the insurance program at the Commonwealth Fund, a health-care research group.

Watts was less sanguine, noting that the small businesses surveyed by Mercer expected the new law’s requirements to add 3 percent to their costs. “As someone who works with employers, I can say it’s hard to get even a 1 percent increase out of your plan costs” through cost-saving measures, she said.

At other companies, particularly mid-size and smaller ones, the workers’ health status may be the determining factor. “For instance, if someone got sick in your group, especially with a disease that [your insurer] thinks is going to continue, they will take that into account when they set your premiums, and you are going to take a whack for it,” said Gary Claxton, who directs the Kaiser Family Foundation’s Marketplace Policy Project.

Large companies can be affected by shifts in the makeup of their work force. “A company will look at, for instance, are they going to be hiring or downsizing?” said Claxton. “Do they have a bunch of early retirees who are going to move from one plan to another?”

The French health care system has been dubbed “the best in the world.” David Turecamo finds out why the French can afford to get sick.

A Health Insurance Quote

February 25, 2011 By admin

Health insurance can be a necessity throughout your lifetime. Though this is becoming increasingly true, many people do not know how to properly get information regarding health insurance. If you are uncertain of how to get this information yourself, the following suggestions can help you to gain a health insurance quote to consider on your own.

There are actually numerous ways that you can approach getting a quote for your health insurance. If there are any particular plans that you may be interested in, you should try to request information to be delivered to you. You will usually receive this via the mail, and it comes with many different and useful types of information, such as quotes.

You can use the internet to help you get more information on health insurance and various types of quotes. There are vast numbers of sites which offer information on health insurance via the internet. If you want a personalized quote information, then you should use sites that ask for some details about your general lifestyle. If you don’t mind a general quote, then look for sites with more generalized information that can give you an overall idea of the estimate.

The use of visiting the insurance office can be the most traditional method of getting information about your quote. If you are looking to discuss and learn more about insurance, this would be useful. For people that are concerned about different insurance issues or would like questions answered, this can be a prime choice.

The office can also usually be reached by telephone if you wish. If you want some quick or short information, like a quote, then this would be a valuable choice to use. A phone call tends to suffice if you want to know your information quickly. However, if you are in a rush, then you may not want to waste your time calling and waiting for a representative to speak to you.

If you don’t know which type of insurance plan you would like to invest in, then you should take time to read about all of the different choices that are available. You will be able to find a majority of this information from the internet. You can also directly contact insurance companies to learn more about their plans.

Your paying for Health Insurance Reform

February 24, 2011 By admin

Effective 2010

Indoor tanning services are subjected to a 10 percent service tax.

Effective January 2011

n Pre-tax dollars from health savings accounts (HSA), flexible spending accounts (FSA) or health reimbursement accounts (HRA) can not be used to buy over-the-counter, non-prescription medicines. Easy To Insure ME

n Increase the tax from 10 percent to 20 percent for non-medical early withdrawals from a health savings account for those under age 65.

n Impose an annual cap of ,500 on contributions to flexible spending accounts, which are now unlimited; the cap is indexed for inflation.

n Premiums for Part D Medicare drug benefits for high-income senior citizens will increase in income tiers like the ones used for Part B benefits. An average Part D premium is about -40 per person per month, so this provision will add about a 1 percent marginal tax impact. Like Part B, the higher Part D premium will be determined based on a two-year look-back: 2011 premiums will be based on reported Modified Adjusted Gross Income in 2009.

n The threshold for the higher-income related Medicare Part B premiums is frozen until 2019, effectively making an increasing number of people each year subject to higher premiums. The current standard Medicare premium is 0.50 per month and increases to 4.70 per month when the threshold – ,000 for individuals and 0,000 for couples – is reached and continues to increase as income increases.

Effective Jan. 1, 2013

n A new 0.9 percent payroll tax on individuals earning more than 0,000, or 0,000 for joint filers. Currently the Medicare payroll tax is 2.9 percent of all earned wages – with workers and employers each paying 1.45 percent. As an example, an individual who makes 0,000 a year in wages and ,000 a year in investments would not have to pay the new tax.

n A new 3.8 percent tax on unearned income generated from interest, dividends, capital gains, annuities, royalties and rents for individuals who earn more than 0,000 or couples who make more than 0,000. The tax will be imposed on the lesser of either net investment income; or modified Adjusted Gross Income (plus any excluded foreign income) over a threshold amount. The threshold amounts are 0,000 for joint filers and 0,000 for single filers. “Net investment income” does not include distributions from qualified plans or IRAs. Also affected are individuals who make a profit of more than 0,000 on a real estate sale or couples who make a profit of 0,000 on a real estate sale.

n A tax per participant on insured and self-insured health plans for funding comparative effectiveness research to be paid by insurance companies. In 2014, the tax increases to per participant and can increase based on a specific formula.

n Increase from 7.5 percent to 10 percent the floor on itemized deductions for medical expenses, but taxpayers age 65 and over are exempt from the cutback through 2016.

EFFECTIVE 2014

n Pharmaceutical companies will face a new excise tax based on the market share of the company.

n Most medical devices become subject to a 2.3 percent excise tax collected at the time of purchase.

n Health insurance companies become subject to a new excise tax based on their market share; the rate gradually raises between 2014 and 2018 and thereafter increases at the rate of inflation.

n Annual penalty of or up to 1 percent of income (whichever is greater) is imposed on individuals who do not obtain health insurance; this will rise to 5, or 2.5 percent of income, by 2016. Families have a limit of ,085. Exemptions to the fine include cases of financial hardship (where health insurance would cost more than 9.5 percent of an individual’s income) or religious beliefs.

n Employers with more than 50 employees who don’t offer full-time employees health insurance face a ,000 per employee penalty. Businesses with fewer than 50 employees are exempt from the requirement.

Effective 2018

n A new 40 percent excise tax on high cost (“Cadillac”) insurance plans is introduced. The tax is on the cost of coverage in excess of ,500 (family coverage) and ,200 (individual coverage), and increases to ,950 (family) and ,850 (individual) for retirees and employees in high-risk professions. The dollar thresholds are indexed with inflation; employers with higher costs because of the age or gender demographics of their employees may value their coverage using the age and gender demographics of a national risk pool.

Jackie & Dunlap’s health care summit analysis. www.redstateupdate.com www.facebook.com www.twitter.com
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Repeal the health insurance bill

February 9, 2011 By admin

The Republicans have not put together any plans to get people health insurance in the country. If they do repeal the bill then many middle class families will suffer because their consumer protections will be gone. Republicans are only against these protections because they hate the Affordable Care Act.

The big problem is that the new coverage changes became implemented on Thursday and the benefits are extremely popular with voters. A Republican push to repeal the bill spells big trouble for candidates in 2012. Voters feel taken advantage of by health insurance companies and if Republicans are successful then even more people will become uninsured.

The Republicans did not have one member vote for the passage of the health care reform bill. They want to block the bill’s funding and might be successful if they pick up enough seats during the 2010 elections in November. President Obama would likely veto the health care reform bill’s repeal so any measure to repeal would have to wait until 2012 at least to be implemented.

Republicans need to think hard about shifting the health care issue onto themselves. If they can repeal the bill then voters will blame them for the consequences that follow. Health care spending increased by more than one trillion dollars in the last year; action needs to be taken to stop this. Repealing health care reform would increase health care spending. This would add to the federal deficit and raise taxes which are two things that many Republicans say that they are against.

Health care should be a moral issue; the number of uninsured increased by twelve million people which was more than a thirty percent increase. Currently more than fifty one people in the United States lack health insurance coverage. Insuring people and helping to make the system fairer should be an issue that republicans and democrats can agree on.

Middle class families will suffer a lot financially if they do not have the benefits of the health care bill. Currently, people spend more than thirteen thousand dollars per year on their health insurance premiums. If there were no reforms in place then consumers would spend more than twenty four thousand dollars per year on their premiums. For many people, this huge premium increase would cause them to drop their health insurance coverage.

Republicans should try to negotiate with Democrats so that the provisions in the health care reform bill are more likeable to everyone involved. No matter what, the members of the Senate and Congress will always be insured by the federal government. This means that they cannot really empathize with the situation that many middle and lower class families face on a daily basis.

The health care reform bill is very popular with voters; the only part that is not liked is the individual mandate and the fines that would follow for non-compliance. The public deserves to have its health care system repaired. People cannot afford the expensive health care premiums any more. The economy cannot sustain these increases and wages have not increased in the last few years. Employers are passing on more of the premium expenses to their employees so the problem needs to be rectified so that more people can stay insured for the long term.

Filed Under: Health Insurance Tagged With: Bill, Health, Insurance, Repeal

health insurance quotes for you

February 9, 2011 By admin

All of us hope to stay nicely and healthy all the time, but we all know that we are going to be sick or may possibly even be unfortunate and have an accident at some point in our lives. All of us have access to the state overall health services but in the event you want additional personal protect then this is where taking out a personal health-related insurance policies comes in. This article explains about overall health insurance coverage in common and how quotes are worked out in common.

Private professional medical insurance will cover the cost of your treatment when you will be unwell, but the type of cover and quantity of the go over you get varies considerably from plan to policy.

Ensure that when you’re considering which wellness insurance policy plan to take out that you simply carefully read the policy so that you can locate out which illnesses you are covered for and which diseases aren’t included within the plan protect. It can also be the case that your healthcare insurance policy coverage might need you to use specific hospitals for your remedy.

So what are wellness insurance plan quotes calculated on? Well providers calculate your plan quote on many factors, one of the most important being your age, your health, your healthcare history, your occupation and they also take a look at regardless of whether you smoke or not. In the event you do smoke, then you are most likely to get a far more expensive healthcare insurance quote.

Some well being insurance policy policies let you pick to have an excess which in the event you determine to have this alternative it will lower your insurance coverage quote. Another crucial thing to take into account when taking out a non-public healthcare insurance policy is that no matter how much you determine to spend on your go over you is not going to get cover for specific ailments. These ailments include long term diseases, alcohol abuse, AIDS, suicide attempts and diseases that are related to old age.

It’s really crucial that when you take out your protect that you just advise your healthcare insurance coverage firm of every thing that is relevant to your health insurance plan application. This means you ought to tell them about any pre-existing healthcare condition or illness which you may have and it’s highly most likely that they will not cowl you for these pre-existing medical conditions or sicknesses.

And finally it truly is worth mentioning that it’s constantly a good notion that you simply shop around to uncover the most suitable and cost-effective non-public medical insurance policy solution for you.

Looking to get a health insurance private quote online? If so then make sure to visit the author’s site right away.! Easy To Insure ME

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Filed Under: Health Insurance Tagged With: Health, Insurance, Quotes

When Buying Individual Health Insurance

February 5, 2011 By admin

Individual health insurance can be a boon to persons who have recently left the workplace or working at an organization without a group insurance plan. Premiums payable under a private medical insurance plan will depend on anticipated medical expenses. Hence, older people typically tend to pay higher premium amounts compared to younger persons.

It is imperative to take the time when shopping for an individual health insurance plan. Because prices vary vastly, it makes sense to compare rates by looking at quotes online. These days, it is easy to request quotes online from prospective insurance providers. You are under no obligation to buy the insurance plan even if you ask for a quote. Easy To Insure ME has the answers

If you have enrolled for a private medical insurance plan under a Health Maintenance Organization (HMO), you can leverage services of those physicians listed as part of that network. Thus, if you prefer a particular physician, an HMO might not be the best option. In comparison, a Preferred Provider Organization (PPO) allows you to select your own choice of physician.

A clear idea of anticipated healthcare expenses and the type of services needed enables you to select a health insurance plan that meets your requirements perfectly. For specialized healthcare, it makes sense to choose an appropriate plan that provides coverage for these types of services.

It is essential to know exactly what services are covered under your individual health insurance plan. Make sure that the plan will cover all existing prescription expenses. Because X-rays are a very common feature of most treatments, it also makes sense to choose a plan that provides such coverage. In most cases, it is a better idea to choose a comprehensive healthcare plan that provides adequate coverage and higher deductibles. Check to see which costs contribute towards deductibles such as surgery care, co-insurance, co-pays and hospital care expenses. Your insurance policy will clearly outline what encompasses emergency care. While most basic insurance plans tend to be less expensive, they often do not cover follow-up healthcare expenses.

In certain states across the U.S., if the individual is self-employed and can demonstrate proof of having been in the business for at least a month, he or she can get access to private medical insurance at subsidized group rates. If you are the owner of a business and have a minimum of one employee or partner, you can apply for such group rates. If you are leaving an organization that provides group healthcare plans, you can get it converted to an individual health plan. Although the insurance rates might be higher compared to group plans, it offers a secure medical insurance environment especially if you have ongoing healthcare expenses.

FORWARD THIS VIDEO! Join the fight: sickforprofit.com What does UnitedHealthcare CEO Stephen Hemsley have to lose if Congress passes real healthcare reform this year? Well, for starters, his nearly three quarters of a billion dollars in unexercised stock options might lose a few pennies on the dollar. What does Isabella, a four year-old girl in Winsconsin who is physically incapable of eating and has had to be tube fed her entire life, have to gain from healthcare reform? The treatment she needs to live a normal life. Brave New Films is launching a major new campaign to reveal the truth about the health insurance industry, and we need your help to do it. Contribute today so we can create more campaigns exposing the obscene wealth of the CEOs of Aetna, CIGNA, Humana and WellPoint and the policyholders theyve abandoned for profit. http
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