Podcasts about ACA

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The Friday Five for September 12, 2025: Ritter Summit Takeaways Part 2 Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 2026 Medicare & You Handbook Release Date for iOS, iPadOS, MacOS, and WatchOS 26 CMS & HHS Expand ACA Catastrophic Coverage Enrollment   Ritter Summit Takeaways Part 2: Register for Ritter Insurance Marketing Summits   Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026: Watch the Webinar   2026 Medicare & You Handbook: Download Your Copy   Release Date for iOS, iPadOS, MacOS, and WatchOS 26: Peters, Jay. “iOS 26 Is out on September 15th.” Theverge.Com, The Verge, 9 Sept. 2025, www.theverge.com/news/770784/apple-ios-26-release-date-liquid-glass. McAuliffe, Zachary. “I Was Right Yet Again: iOS 26 Is Coming Monday, Sept. 15.” Cnet.Com, CNET, 9 Sept. 2025, www.cnet.com/tech/services-and-software/i-was-right-yet-again-ios-26-is-coming-monday-sept-15/. Perry, Alex. “Apple iOS 26 Release Date: When You Can Download It.” Mashable.Com, Mashable, 9 Sept. 2025, mashable.com/article/apple-ios-26-release-date-how-to-download. Diaz, Maria. “iOS 26 Update Is Coming Soon - How to Download It (and Which iPhones Support It).” Zdnet.Com, ZDNET, 10 Sept. 2025, www.zdnet.com/article/ios-26-update-is-coming-soon-how-to-download-it-and-which-iphones-support-it/. Teague, Katie. “iOS 26: What to Know about the Free iPhone Software Update Arriving September 15.” Engadget.Com, Engadget, 11 Sept. 2025, www.engadget.com/mobile/ios-26-what-to-know-about-the-free-iphone-software-update-arriving-september-15-135749658.html.   CMS & HHS Expand ACA Catastrophic Coverage Enrollment: August 22, 2025 Friday Five: Judge Vacates HHS MA Commissions Lawsuit “By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families' Health Care Costs.” Cbpp.Org, Center on Budget and Policy Priorities, www.cbpp.org/research/health/by-the-numbers-house-bill-takes-health-coverage-away-from-millions-of-people-and. Accessed 11 Sept. 2025. “CMS Broadens Access to Catastrophic Exchange Plans.” Modernhealthcare.Com, Modern Healthcare, 4 Sept. 2025, www.modernhealthcare.com/politics-regulation/mh-catastrophic-health-plans-open-enrollment-2026/. “Entities Approved to Use Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 9 Aug. 2024, www.cms.gov/files/document/ede-approved-partner.pdf. Reed, Tina. “Exclusive: HHS to Expand Eligibility for Catastrophic Plans.” Axios.Com, Axios, 4 Sept. 2025, www.axios.com/2025/09/04/trump-hhs-expand-catastrophic-plan-eligibility. “Expanding Access to Health Insurance: Consumers to Gain Access to ‘Catastrophic' Health Insurance Plans in 2026 Plan Year.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026. “Guidance on Hardship Exemptions for Individuals Ineligible for Advance Payment of the Premium Tax Credit or Cost-Sharing Reductions Due to Income, and Streamlining Exemption Pathways to Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/files/document/guidance-hardship-exemptions.pdf. “HHS Expands Access to Affordable Health Insurance.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/press-releases/hhs-expands-access-affordable-health-insurance. “HHS Expands Access to Affordable Health Insurance.” HHS.Gov, U.S. Department of Health and Human Services, 4 Sept. 2025, www.hhs.gov/press-room/hhs-expands-access-affordable-catastrophic-health-coverage.html. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. Minemyer, Paige. “Trump Administration Expands Access to ACA Catastrophic Plans.” Fiercehealthcare.Com, Fierce Healthcare, 4 Sept. 2025, www.fiercehealthcare.com/regulatory/trump-administration-expands-access-aca-catastrophic-plans.   Resources: 2026 ACA & Medicare Cost Projections 3 Benefits of Selling ACA Insurance Plans 5 Medicare Myths Your Clients May Believe 2026 ACA Exchange & FFM Certification Info Judge Grants Stay on Many 2025 ACA Final Rule Provisions The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Survivor's AEP Checklist   Get Connected:

How do camps create environments where character thrives? In this episode of CampWire, Bob Ditter and Dave Brown dive into actionable strategies that camps can use to foster character development in both staff and participants. From cultivating leadership and resilience to promoting empathy and teamwork, this conversation provides practical insights and real-world examples to help camps strengthen their communities and empower every individual. Special thanks to our sponsor, DKMS. Show notes: Character at Camp Initiative ACA Bookstore Fence Post Learning Character Conversations with Bob Ditter The views and opinions expressed on CampWire by contributors are their own and do not necessarily reflect the views of the American Camp Association or ACA employees.

After betrayal, couples often find themselves trapped in a cycle. The unfaithful partner wants to explain, while the betrayed partner longs for real accountability. Instead of bringing clarity, explanations often sound like excuses. The betrayed partner feels dismissed, the unfaithful partner feels shut down, and the cycle repeats.In this episode of From Crisis to Connection, Geoff and Jody explore why this dynamic is so common and what couples can do differently. You'll hear:  Why betrayed partners feel torn between their own pain and their natural empathy  How betrayal blindness can lead to minimizing wounds just to keep the peace  Why the recovering partner's instinct to explain often blocks healing  How the order of repair—accountability first, explanation later—creates safety and trust  Practical steps both partners can take to break the cycle and move forwardUsing stories, clinical insights, and personal examples, Geoff and Jody show why accountability must come before explanation and how this shift can transform the healing process.______________________________Download the Free Resource: You, Me, Us - A Way Forward After BetrayalWhen betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here.______________________________Join the Courageous Together™ ProgramHealing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection.You'll have access to:A structured healing framework with step-by-step guidanceVideo lessons and worksheets to build safety, accountability, and connectionThe option to join live group circles and support calls with meA private, secure community of others walking the same pathLearn more and join us inside Courageous Together: www.geoffsteurer.com/courageous-together______________________________Stay ConnectedWebsiteYouTubeInstagramFacebook______________________________Watch on YouTubePrefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel: youtube.com/@FromCrisistoConnectionPocast.______________________________About Geoff SteurerI am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children.About Jody SteurerJody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.

Hoy hablamos con Jofi y nos conto cómo fue crecer en una casa neurodivergente y llegar a su diagnóstico de adulta. Estamos seguras de que muchos de ustedes se van a sentir super identificados con su historia.¡Contanos que pensas!✨ Instagram de Jofi: @rdcmarket✨Lamentablemente, el procedimiento medico de Luna nos es casi imposible de afrontar, asi que si pueden donar o compartirlo con otros significa muchisimo para nosotros! ⁠https://gofund.me/2ee7ee6a‼️ Accede acá al webinar de entornos y familia: espaciotdah.com/entornos✨ Si te gusta nuestro contenido, dona aca!https://cafecito.app/espaciotdahhttps://www.paypal.me/luciamiri

What happens when a single bill threatens to leave 10+ million Americans uninsured and hospitals on the brink?In this episode, host Dr. Bradley Block reunites with Adam Block, PhD, to break down Trump's sweeping healthcare legislation, HR 1—dubbed the "big beautiful bill"—which consolidates multiple reforms into one massive package. He explains how indirect measures like increased paperwork, monthly re-enrollments, and work requirements will lead to 10+ million losing Medicaid and ACA coverage, without direct cuts. The discussion covers fraud, waste, and abuse in Medicaid, the role of AI in filling government gaps, and the bill's delayed rollout post-midterms. They also explore site-neutral payments' effects on hospitals and ambulatory centers, cross-subsidization for safety-net services, and why hospitals' razor-thin margins make them vulnerable. This episode is crucial for healthcare professionals preparing for higher uncompensated care, sicker patients, and systemic shifts in reimbursement and access.Three Actionable Takeaway:Monitor Policy Changes Closely – Stay informed on Medicaid work requirements and ACA enrollment shifts rolling out in 2027. Review your practice's payer mix and prepare for increased uninsured patients by advocating for state-level expansions or adjustments.Advocate for Your Practice – If you own or operate ambulatory surgery centers, assess the impact of site-neutral payments. Engage with hospital associations to push for subsidies that maintain safety-net services, ensuring cross-subsidization doesn't erode entirely.Prepare for Operational Strain – Anticipate higher uncompensated care and sicker presentations. Build contingency plans like AI-assisted administrative tools or partnerships with community resources to handle paperwork burdens and support vulnerable patients.About the Show:Succeed In Medicine  covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest:Dr. Adam Block is a Harvard-trained health economist with over two decades of experience at the intersection of healthcare policy, hospitals, and insurance. He played a key role in drafting sections of the Affordable Care Act for Congress and writing foundational regulations for the Centers for Medicare & Medicaid Services (CMS) to establish health insurance exchanges. After five years in data analytics roles reporting to CFOs, he founded Charm Economics, a consulting firm focused on health economics, and serves as an associate professor of public health at New York Medical College. Dr. Block's expertise lies in navigating complex policy changes, reimbursement challenges, and systemic healthcare shifts, offering critical insights for physicians and providers.LinkedIn: linkedin.com/in/adameblockEmail: adam@charmeconomics.comWebsite: https://www.charmeconomics.comAbout the Host:Dr. Bradley Block – Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts Succeed In Medicine podcast, focusing on personal and professional development for physiciansWant to be a guest?Email Brad at brad@physiciansguidetodoctoring.com  or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter This medical podcast is your physician mentor to fill the gaps in your medical education. We cover physician soft skills, charting, interpersonal skills, doctor finance, doctor mental health, medical decisions, physician parenting, physician executive skills, navigating your doctor career, and medical professional development. This is critical CME for physicians, but without the credits (yet). A proud founding member of the Doctor Podcast Network!Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance.

Episode 218: This week we celebrate & surprise our host Jacqueline for her Bday with special guest Trey of the Trey's Table podcast, to cover 2025's  Final Destination: Bloodlines.Make sure to pay us a visit next week as we cover The Tenant from 1976.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.

The cost of health care will be going up for everyone, but even more so folks using the ACA. With those hikes creating huge problems for those who utilize it, but thanks to Wisconsin's only working Senator, those costs might not be as harsh. And we love having him here - host of Mornings with Pat Kreitlow, Mr. Pat Kreitlow himself joins us to discuss the Republicans who support Senator Baldwin's bill (quietly), as well as how $50 billion is not enough to save our rural hospitals, no matter what Capitol Hill or The White House says. As always, thank you for listening, texting and calling, we couldn't do this without you! Don't forget to download the free Civic Media app and take us wherever you are in the world! Matenaer On Air is a part of the Civic Media radio network and airs weekday mornings from 9-11 across the state. Subscribe to the podcast to be sure not to miss out on a single episode! You can also rate us on your podcast distribution center of choice. It goes a long way! Guest: Pat Kreitlow

MMALOTN is back to give you breakdowns and predictions for Noche UFC: Lopes vs Silva.

We chat with ACA's Executive Director, Marylouise Serrato, about where things stand with RBT, what ACA's plans are to support RBT once Congress is back in session, and much more! American Citizens Abroad Join ACA Donate to ACA Join the Advocacy Campaigns  

WATCH OUR LIVE KICKOFF EVENT 9-9-25 @ 8am MST:https://youtube.com/live/5Gjbi9UXZ5YWelcome to the newest episode of the Agent Boost Podcast!

In episode 104 we chat with Alyssa McGonagle, Associate Professor at UNC Charlotte and author of Chronic Health Conditions and Work: Proactive Strategies for Supporting Employees and Doing Well by Doing Good. We explore the intersection of chronic illness, disability, and employment. We cover key legal protections like the ADA, FMLA, and ACA, the challenges of disclosure and identity management, and the importance of inclusive organizational culture. Dr. McGonagle also introduces the vivid and relatable Spoon Theory and shares evidence-based interventions to make work better for everyone including people living with chronic health conditions. Whether you're an HR professional, manager, researcher, or someone living with a chronic condition, this episode offers actionable insights and compassionate strategies for creating healthier, more equitable workplaces.You can find Dr. McGonagle here (https://www.linkedin.com/in/alyssa-mcgonagle/) and here (https://orgscience.charlotte.edu/directory/alyssa-mcgonagle/).You can order her book here (https://global.oup.com/academic/product/chronic-health-conditions-and-work-9780197660638?cc=us&lang=en&), using the code AUFLY30 for a discount. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit healthywork.substack.com

Media McKnight has the exclusive full footage of Bob Katter's press conference meltdown in Brisbane. While most outlets only showed the outburst, here's the uncut exchange that proves the Katters' spin doesn't pass the pub test. Plus: • Behind-the-scenes scandal at A Current Affair • Colin Fassnidge reveals MKR filming secrets • Quickies: 10's big exits, Survivor rumours, Dickie's “wholesome” Heather Graham gaffe

Health Affairs' Jeff Byers welcomes Katie Keith of Georgetown Law and Deputy Editor Chris Fleming to the pod to discuss the recent Supreme Court case, American Public Health Association et al. v. National Institutes of Health et al., that explores the lawfulness of the NIH's termination of nearly $800 million worth of grant funding for programs due to DEI association.This week, Health Affairs released a new theme issue focusing on insights from the opioids crisis. Subscribe to the journal to never miss out on an upcoming issue.Join us for these upcoming events:9/17: Lunch & Learn: The Current Opioids Policy Landscape & What's Ahead (FREE TO ALL)9/23: Prior Authorization: Current State and Potential Reform (INSIDER EXCLUSIVE)Become an Insider today to get access to our trend reports, events, and exclusive newsletters.Related Articles:Unpacking The Supreme Court's Decision Over NIH Funding (Health Affairs Forefront)American Public Health Association et al. v. National Institutes of Health et al.A closely watched legal battle over NIH funding cuts could settle soon (STAT+)

After betrayal, many couples get stuck in a painful waiting game. The betrayed partner wants proof of safety before risking vulnerability, while the recovering partner waits for reassurance before stepping forward. Both feel paralyzed, and the relationship stalls.In this episode, Geoff and Jody break down how each partner can move forward without waiting for the other to go first. They explore: • The difference between individual healing and relational repair • Why betrayed partners often freeze and how honesty becomes the first courageous step • Why recovering partners hesitate and how leaning into discomfort builds trust • How both partners can create momentum by taking small, authentic stepsYou'll hear how courage looks different for each partner, and how choosing to move—rather than waiting—creates the foundation for healing and reconnection.Download the Free Resource: You, Me, Us - A Way Forward After BetrayalWhen betrayal has shaken your relationship, it can feel impossible to know where to begin. This free 15-minute video and companion worksheet will help you steady yourself, support your partner, and begin caring for the relationship between you. Get your copy here.Join the Courageous Together™ ProgramCourageous Together™ isn't just another course, it's a trauma-informed roadmap that holds both of you in the healing process. If you've ever wondered “Where do we even start?” After betrayal, this program gives you the clarity and structure you need. It meets the betrayed partner's need for safety while guiding the recovering partner toward real accountability, creating a path forward that neither of you has to figure out on your own.Healing from betrayal is overwhelming in isolation, which is why Courageous Together™ brings you expert guidance, practical tools, and a supportive community of couples walking the same road. Inside, you'll find a step-by-step framework, live support opportunities, and the reassurance that you're not alone as you rebuild safety, restore trust, and move toward genuine connection.You'll have access to:A structured healing framework with step-by-step guidanceVideo lessons and worksheets to build safety, accountability, and connectionThe option to join live group circles and support calls with meA private, secure community of others walking the same pathLearn more and join us inside Courageous Together: www.geoffsteurer.com/courageous-togetherStay ConnectedWebsiteYouTubeInstagramFacebookIf this episode resonated with you, please share it with someone who might need it. And don't forget to leave a review! We'd love to hear how this podcast is supporting your healing journey.Watch on YouTubePrefer video? You can watch full episodes of From Crisis to Connection on our YouTube channel: youtube.com/@FromCrisistoConnectionPocast.About Geoff SteurerI am a licensed marriage and family therapist and Certified Clinical Partner Specialist (CCPS) with 25+ years of experience helping individuals and couples heal from the devastation of sexual betrayal and broken trust. I am the founder of the Courageous Together program, co-host of the From Crisis to Connection podcast, and co-author of Love You, Hate the Porn. My work integrates trauma-informed care, attachment theory, and practical tools for creating lasting safety and connection. I've been married to my wife, Jody, since 1996 and we are the parents of four children.About Jody SteurerJody is the co-host of the From Crisis to Connection podcast, where she brings her thoughtful, common-sense perspective to conversations about healing, trust, and connection. She earned her bachelor's degree in psychology from Brigham Young University and is an ACA-certified coach. Jody has years of experience in corporate training, small business leadership, and family life, and raising four children (two of them neurodivergent). She loves watercolor painting, landscape design, spending time outdoors, and snow skiing.

Back in 2011, the industry said portland-limestone cement (PLC) came with “no significant risks.” By 2024, the updated report admits higher carbonation rates, chloride ingress concerns, admixture sensitivity, and tighter curing demands. In this solo episode, Seth lays out what actually changed between the 2011 and 2024 reports, what the case studies do—and don't—prove, and asks the blunt question: would PLC be this widespread without the CO₂ storyline? What You'll Learn - What the 2011 report promised vs. what the 2024 report now admits. - How carbonation, chloride ingress, admixture control, and curing show up in the latest findings. - What the project examples (PCA exposure site, Utah DOT bridges, Texas pavements, European jobs) really say. - Claimed upsides beyond CO₂: energy savings, workability, and mass concrete heat benefits. - Why PLC is less forgiving than Type I/II—and what that means on real jobs. - The big question: is PLC an innovation or a policy-driven shift? Chapters 00:00 – Welcome, solo setup, and callback to EP #126 00:30 – Why revisit PLC? ACA's comment and the 2024 report 02:00 – Blended cement usage spike: under 10% to ~65% in a few years 03:00 – 2011 → 2024: from “no risk” to “manageable issues” 05:00 – Admixtures/air, SCMs, and curing: where sensitivity shows up 07:00 – Positives claimed beyond CO₂: energy, workability, mass concrete 08:30 – What case studies actually show (PCA prisms, Utah bridges, Texas pavements, Europe) 12:00 – PLC is less forgiving: tighter margins than Type I/II 13:30 – What's still missing: long-term (50–100 yr) performance proof 15:30 – Would PLC exist without the CO₂ narrative? 16:30 – Support the show + open invite for guests 17:30 – Outro Concrete Logic Academy Want to go further? Courses and PDHs for concrete pros: https://www.concretelogicacademy.com Support the Podcast If this helped you think differently about concrete, consider supporting the show: - Donate: https://www.concretelogicpodcast.com/donate - Kuiu gear (affiliate link): https://kuiu.sjv.io/Z6D1XW- Looking for media help—podcasting, YouTube, or storytelling for your concrete company? Reach out to Seth at seth@concretelogicpodcast.com to learn more. Credits Produced by Jodi Tandett & Concrete Logic Media Music by Mike Dunton (https://www.mdunton.com/) Stay Connected Host: Seth Tandett, Concrete Visionary & Industry Expert LinkedIn: https://www.linkedin.com/in/sethtandett YouTube: https://www.youtube.com/@concretelogicpodcast Website: https://www.concretelogicpodcast.com Don't forget: Like, subscribe, comment, and share this episode to help spread the word. Let's keep it concrete!

Hoy tenemos una invitada MUY especial que nos compartió su historia, sus pasiones y cómo es tener TDAH y trabajar siendo ciega, ademas de las posibilidades que le abrió obtener su diagnóstico. ¡Contanos que pensas!✨ Instagram de Kathy: @dragonmoon1522✨ KathWare: https://kathware.com.ar/?fbclid=PAZXh0bgNhZW0CMTEAAac4P0qg6_YWaBg_ZJlBOvdyswh6h6X7R--9jTnGixXOtkt-llqMUN6Z3jbGfQ_aem_TphWuEAsN1dAJr0nG8oytA✨Lamentablemente, el procedimiento medico de Luna nos es casi imposible de afrontar, asi que si pueden donar o compartirlo con otros significa muchisimo para nosotros! ⁠https://gofund.me/2ee7ee6a‼️ Accede acá al webinar de entornos y familia: espaciotdah.com/entornos✨ Si te gusta nuestro contenido, dona aca!https://cafecito.app/espaciotdahhttps://www.paypal.me/luciamiri

For me, mastering the art of no-strings-attached sex was a total accident. Since I first wrote about dating Mexican men, I've been looking for a boyfriend on Bumble (i.e., a long-term, monogamish relationship). While my profile says I'm looking for “a fun, serious relationship with someone who lives in Mexico City,” that endeavor has proven to be very difficult. So I've been making casual pit stops into random men's pants to maintain my sanity and have a little fun.Today I'm going to share my very pseudo-scientific logic on how women aren't destined to be bonded forever to every guy we fucked.Come back for more…

MMALOTN is back to give you breakdowns and predictions for UFC Paris: Imavov vs Borralho.

This Day in Legal History: George Wallace Calls out the Alabama National GuardOn September 2, 1963, Alabama Governor George Wallace once again attempted to defy federal court orders mandating school integration, this time at Tuskegee High School. Just months after his infamous “Stand in the Schoolhouse Door” to block Black students from enrolling at the University of Alabama, Wallace ordered the Alabama National Guard to surround Tuskegee High in an effort to prevent the enrollment of thirteen Black students. The integration was ordered by a federal court in Lee v. Macon County Board of Education, a pivotal case that would eventually lead to sweeping desegregation across Alabama's public school system.Wallace's use of the state Guard was a direct challenge to federal authority and part of his broader campaign to maintain segregation under the banner of “states' rights.” In response, President John F. Kennedy swiftly invoked his constitutional authority as commander-in-chief and federalized the Alabama National Guard. Once under federal control, the troops were ordered to stand down and return to their barracks, removing the immediate threat of military-enforced segregation.The confrontation at Tuskegee High marked another flashpoint in the broader struggle between federal civil rights enforcement and Southern resistance. Wallace's actions highlighted the lengths to which segregationist officials would go to preserve Jim Crow, even in the face of binding federal court orders. The federal response signaled a growing willingness by the Kennedy administration to use executive power to enforce civil rights rulings on the ground. The Lee v. Macon litigation would go on to become one of the most significant desegregation cases in the post-Brown era, eventually placing all Alabama schools under court supervision. This incident at Tuskegee underscored both the volatility of the era and the legal system's central role in dismantling systemic segregation.Legal technology companies are facing increasing pressure to distinguish themselves from general-purpose AI models like ChatGPT and Claude, which continue to improve in accuracy, usability, and affordability. A recent MIT report highlighted a corporate lawyer who preferred using ChatGPT over a $50,000 specialized contract analysis tool, underlining the dilemma: why pay more for tools that may not perform better? While legal tech startups have attracted about $2.2 billion in investment since 2024—80% of it going to AI-focused ventures—they risk being outpaced unless they can offer superior user experience and domain-specific functionality.Specialized tools often rely on the same large foundation models that power general AI, making differentiation more difficult. However, legal tech firms argue their value lies not in the raw language models but in how they tailor those tools for legal workflows. For example, IP CoPilot identifies patentable ideas—a complex task not easily replicated by general AI. Some legal AI systems, such as Harvey (used by DLA Piper), have gained traction among attorneys, though many still favor ChatGPT.Studies comparing general and legal-specific tools show mixed results: while general models sometimes outperform on clarity or accuracy, niche tools often prove more valuable in daily legal work. Legal tech companies aim to stay ahead by integrating ethical compliance, user-centered design, and security into their offerings. Unlike general models, they can be customized to reflect a law firm's risk appetite or case strategy. Some legal AI tools also incorporate retrieval-augmented generation or are trained solely on legal data, increasing their relevance and precision.Legal Tech Battles to Set Itself Apart From General AI ModelsAs Congress returns from its August recess on September 2, lawmakers face an urgent deadline to fund the government before the current funding expires on September 30. Among the contentious issues is the fate of the IRS budget. House Republicans are pushing to cut $2.8 billion from the agency, particularly targeting funding for tax compliance and blocking resources for the IRS's Direct File tool, which allows free online tax filing. Democrats, meanwhile, are opposing the cuts, citing recent staff layoffs and the need to rebuild the agency's capacity. A temporary funding measure could delay decisions but would disrupt preparations for the next tax season.The Senate has yet to offer a formal counterproposal but has a history of softening House spending cuts, thanks in part to the chamber's 60-vote legislative threshold. Democrats are expected to advocate for continued funding, especially for auditing high-income taxpayers and improving customer service. IRS employees and their union are calling on Congress to fully fund the agency to strengthen enforcement and reduce the deficit.Complicating matters further, several leadership vacancies emerged over the summer, including the IRS chief and a top Treasury post. Nominations are moving slowly, with some being blocked by political disputes, such as over clean energy tax credits. At the same time, Republicans are already considering another tax bill, possibly to amend or expand provisions from the July tax law signed by President Trump. This includes industry-backed changes like increased deductions for pass-through entities and revisiting limits on gambling loss deductions. Expiring tax credits—such as ACA health insurance subsidies—could also trigger legislative action, particularly as midterm elections approach.IRS Funding on Tap as Congress Returns From Summer RecessU.S. District Judge Jia Cobb halted two Trump administration policies that sought to expand fast-track deportations across the country. These policies, enacted in January, allowed immigration authorities to deport non-citizens found anywhere in the U.S. without a court hearing if they couldn't prove two years of continuous residence. Traditionally, expedited removal applied only to migrants caught near the border shortly after entry, but the expansion would have affected millions more already living within the country.Judge Cobb ruled that this broadened approach violated the Fifth Amendment's due process protections, emphasizing that people who had settled in the U.S. had a stronger liberty interest in remaining and were entitled to more than a rushed removal process. She criticized the government for not adapting procedural safeguards for this larger and more established group of immigrants, calling the existing process “skimpy” and likely to result in wrongful deportations.The Department of Homeland Security defended the policy, claiming Trump had legal authority to enforce deportations. However, Cobb refused to delay her ruling pending appeal, effectively stopping the expanded deportation plan immediately. The lawsuit was brought by Make the Road New York, represented by the ACLU. Earlier in the month, Cobb had also blocked another Trump deportation policy targeting immigrants paroled into the U.S. under Biden's humanitarian programs.US judge halts Trump effort to expand fast-track deportations | ReutersA divided U.S. Court of Appeals for the Federal Circuit ruled that most of President Trump's tariffs are illegal, significantly weakening a cornerstone of his second-term economic policy. The 7–4 decision found that Trump had overstepped his authority under the International Emergency Economic Powers Act (IEEPA), which he used to justify new tariffs in April and February. The court emphasized that IEEPA does not grant the president explicit authority to impose taxes or tariffs, only to regulate or restrict imports during national emergencies.The ruling does not affect tariffs issued under other laws, such as those on steel and aluminum. However, it casts serious doubt on Trump's broader use of tariffs as leverage in foreign policy and trade negotiations. The decision stems from lawsuits brought by small businesses and Democratic-led states arguing that only Congress has the constitutional authority to impose tariffs, and that any delegation of this power must be narrowly defined.The appeals court allowed the tariffs to remain in effect until October 14 to give the administration time to appeal to the U.S. Supreme Court. Trump criticized the decision as partisan but predicted a reversal. Experts believe the administration was anticipating the ruling and may try to shift its legal strategy. This case now sets the stage for a major Supreme Court confrontation, especially as Trump also challenges the Federal Reserve's independence.Most Trump tariffs are not legal, US appeals court rules | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In this episode of Take the Stage, Brad Bialy sits down with Shad Tidler to explore how staffing and recruiting firms can prevent sales objections before they arise and leverage AI to build a smarter, more human sales process. About the Guest Shad, a seasoned member of the Lushin sales team since 2014, combines his extensive global business expertise with the disciplined mindset of an Ironman triathlete. Specializing as a leading sales transformation consultant, he is known for crafting scalable strategies and processes tailored for client success. Shad's structured approach instills a sense of calm in clients, guiding them past immediate challenges and toward their goals. Beyond his professional pursuits, Shad enjoys swimming, biking, running, practicing martial arts, and traveling. He actively contributes to his community by volunteering at his local church, mentoring individuals within and outside his organization, and supporting the Leukemia and Lymphoma Society. However, above all else, Shad values his role as a devoted husband and friend. Key Takeaways Objections reveal problems earlier in the process. Desperation kills trust in sales. Sales is a series of small agreements. Abundance beats scarcity in prospecting. AI is a tool, not the solution. Timestamps [00:20] – Why objections mean you're already too late [02:50] – The trap of “we're different” pitches [05:11] – Shifting from qualifying in to disqualifying out [07:13] – Sales as small agreements, not one-call closes [09:43] – Letting prospects define next steps [11:44] – The roots of desperate selling [13:59] – Relationship analogies for rejection in sales [17:02] – Why being okay with “no” creates momentum [20:30] – Building structure around prospect follow-up [23:37] – Giving junior reps permission to experiment [27:17] – How AI is disrupting sales conversations [30:22] – Where staffing leaders should begin with AI About the Host Brad Bialy is a trusted voice and highly sought-after speaker in the staffing and recruiting industry, known for helping firms grow through integrated marketing, sales, and recruiting strategies. With over 13 years at Haley Marketing and a proven track record guiding hundreds of firms, Brad brings deep expertise and a fresh, actionable perspective to every engagement. He's the host of Take the Stage and InSights, two of the staffing industry's leading podcasts with more than 200,000 downloads. Sponsors and Offers Heard Take the Stage is presented by Haley Marketing. The old way of selling staffing is dead. Let's fix it – with smarter strategies and HUGE DISCOUNTS on modern lead gen tools: https://bit.ly/Bialy20 Book a 30-minute business and marketing consultation with host, Brad Bialy: https://bit.ly/Bialy30 For 30 years, Benefits in a Card has delivered benefit plans designed specifically for the staffing industry—over 140 unique options with immediate coverage, unique perks like FreeRx, and solutions that reduce turnover while improving ACA compliance. Give your workforce benefits they'll actually use and give your staffing firm a competitive edge. Learn more at https://www.BenefitsInACard.com.

S4:E186 David covers The Weekly Update in Venture followed by David and Paul's review the 2025 Angel Funders Report from an investor perspective. We talk about what the data in the report means, what is not there, what we would like to see in the future and how this data influences Seed Stage Startup Investing. (interview recorded 8.26.25)The ACA's 2025 Angel Funder's ReportFollow David and Paul: https://x.com/DGRollingSouth https://x.com/PalmettoAngel Connect On LinkedIn: https://www.linkedin.com/in/davidgrisell/ https://www.linkedin.com/in/paulclarkprivateequity/ We invite your feedback and suggestions at www.ventureinthesouth.com or email david@ventureinthesouth.com. Learn more about RollingSouth at rollingsouth.vc or email david@rollingsouth.vc.

Grassroots advocates are the lifeblood of the ACA, and our Connect to the Cattlemen series is here to highlight their efforts! From a countywide rodeo, to the culinary classroom, cattlemen in Shelby County have gotten creative on how to highlight cattle production and promote beef in the Birmingham Metro area! In this episode, host Michael Smith sits down with Shelby County Cattleman Rickey Colquitt to discuss how a steak tasting in the classroom has turned into an educational experience that reaches hundreds of future consumers. Discover how this hands-on approach is building a deeper understanding of the beef industry— and creating lifelong beef fans in the process!

Gretchen shares her experience, strength, and hope about recovering from growing up in an alcoholic / dysfunctional home using the 12 steps of ACA.

Rich shares his experience, strength, and hope about recovering from growing up in an alcoholic / dysfunctional home using the 12 steps of ACA.

Rising health insurance costs are squeezing household budgets - especially for families and those not yet on Medicare. In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the differences between traditional health insurance and medical cost sharing programs and how each can impact cash flow between ages 62 and 65. Show Highlights: The 2025 cost picture: premiums and out-of-pocket trends families are feeling. Traditional insurance vs. cost sharing: deductibles vs. IUAs, “premiums” vs. “shares,” and how reimbursement works with cash pay. Networks and access: why many sharing programs don't use networks - and what that means at the doctor's office. Coverage nuances: preventive care, preexisting conditions, and when ACA plans may be a better fit. Faith-based vs. non-faith options: examples like Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, and Sedera. Whether you're still working, planning to retire before 65, or helping adult children evaluate coverage, this episode offers practical insights to compare traditional insurance with medical cost sharing and make a more informed decision for your situation. If you enjoyed today's episode, be sure to share it with a friend or family member! Resource: https://www.usatoday.com/story/graphics/2025/06/16/how-much-does-insurance-cost-2025-family-of-four/84149201007/

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S4:E185 David provides The Weekly Update in Venture and then Paul interviews John Harbison, a Board Member of the Angel Capital Association and early advocate for hard data for startup investing. Paul and John discuss some of the highlights from the ACA's 2025 Angel Funders Report. Next week, Paul and I will share our own insights from the report in Part 2 on The Angel Funder's Report and discuss how the report helps Angels invest smarter. (interview recorded 8.11.25)Follow David and Paul: https://x.com/DGRollingSouth https://x.com/PalmettoAngel Connect On LinkedIn: https://www.linkedin.com/in/davidgrisell/ https://www.linkedin.com/in/paulclarkprivateequity/ We invite your feedback and suggestions at www.ventureinthesouth.com or email david@ventureinthesouth.com. Learn more about RollingSouth at rollingsouth.vc or email david@rollingsouth.vc.

In this episode, Alan Cohen, Co-founder and Chief Product Officer at Centivo, joins the podcast to share his perspective on escalating healthcare costs, premium increases, and the risks facing the ACA market. He also explains how Centivo partners with high-performing providers to deliver cost-effective, sustainable coverage for employers and their employees.

In today's episode of the Truth Wanted, Kelley Laughlin and Justin Frechette (Skeptic Spinn), work through some topics of veganism, fire balls, and contradictory Christian beliefs. Nick asks if a decent person should take the lives of vulnerable, love capable beings for their own convenience. At what point is it wrong to use an animal as a means to an end? How would your perspective change if the industry were different and the animals were treated well? Where is the line drawn between sentient consciousness and non-sentient consciousness?Robert in CA, describes seeing two fireballs that moved together when he was working outside, and when it happened the next night, he recorded them. How can we tell the difference between this and a meteorite? What is your hypothesis of what this could be? How do we know for sure that these balls are going in and out of reality, and the light is not just turning on and off? What are some normal and mundane explanations for this? Post your videos for what they are and leave them there. Jon in Canada, is skeptical about ghosts, and finds it weird that Christians will not believe in spirits of the deceased but will believe in the ultimate supernatural force. There are explanations for what people think are miracles and how they have these beliefs. Thank you for tuning in this week! Justin's great dane joins us to close us out along with Scott Dickie to remind us of the question of the week: What would Jesus' podcast be named?Become a supporter of this podcast: https://www.spreaker.com/podcast/truth-wanted--3195473/support.

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Parker Wilcox, a health insurance broker, about the intersection of health insurance and real estate investing. Parker explains how health insurance structures can impact mortgage qualifications and offers insights into the benefits of private health insurance plans over ACA plans. He emphasizes the importance of education in navigating these complexities and how understanding these options can lead to significant savings for real estate investors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Subscribe to UnitedHealthcare's Community & State newsletter.Health Affairs' Jeff Byers welcomes Senior Editor Kathleen Haddad back to the pod to take a look at recent news that HHS terminated 22 mRNA projects. The two explore the agency's reasoning, political and Wall Street reactions, and what it could mean for health care innovation.Join us for these upcoming events:8/26: Provider Prices in the Commercial Sector: Independent Dispute Resolution (FREE TO ALL)9/3: Theme Issue Briefing: Insights About The Opioid Crisis (FREE TO ALL)9/17: Lunch & Learn: The Current Opioids Policy Landscape & What's Ahead (FREE TO ALL)9/23: Prior Authorization: Current State and Potential Reform (INSIDER EXCLUSIVE)Become an Insider today to get access to exclusive events like the ones highlighted above.Related Articles:HHS abandons mRNA vaccine research (BioPharma Dive)1 big thing: RFK Jr.'s anti-vaccine revolution (Axios)Moderna Stock Jumps as NIH Chief Tempers Administration's Attack on mRNA (Barron's)750 HHS employees send signed letter to RFK Jr. asking him to stop spreading misinformation (ABC News)Industry frets Kennedy's mRNA decision will curb cancer breakthroughs (Politico Pro) Subscribe to UnitedHealthcare's Community & State newsletter.

Millions of Americans believe their job's health plan is equivalent to traditional insurance. Still, self-funded corporate plans are exempt from state protections and ACA rules, leaving workers vulnerable when care is needed most.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Thank you Sandra Dingler, Mary B, Charles White, Catherine Tata, and many others for tuning into my live video! Join me for my next live video in the app.* Think You're Covered? The Truth About Employer Health ‘Insurance': Millions of Americans think their job's health plan is real insurance, but self-funded corporate plans are exempt from state protections and ACA rules, leaving workers vulnerable wh… To hear more, visit egberto.substack.com

Beef promotion is a year-round priority for ACA staff, but between industry programs and grilling season, the summer months are particularly impactful!  While leadership development events like the Young Cattlemen's Leadership Program Class XII sessions and the 19th Annual Alabama Junior Cattlemen's Association Round-Up focused on the future of agriculture, digital marketing strategies and in-person outreach at consumer and influencer events like the Auburn Football Family Dinner, Trash Pandas Ag Night, Birmingham Barons games and the historic MLB game at Bristol Speedway ensured a strong customer base for years to come. Listen in as co-hosts Josie Jones and Michael Smith recap the past several months of Alabama Beef Checkoff Program promotions from the state staff perspective. 

About this episode: The reconciliation bill passed by Congress in July is set to unravel key aspects of the Affordable Care Act that have expanded health coverage to millions of Americans. In this episode: One of the architects of the ACA, Liz Fowler, outlines how work requirements, truncated enrollment periods, and higher premiums will change health care for Americans on Medicaid and Medicare and for those buying coverage through their state's marketplace. Guest: Elizabeth Fowler, PhD, JD, is a distinguished scholar in Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health and previously served as the director of the Innovation Center at the Centers for Medicare & Medicaid Services. Host: Lindsay Smith Rogers, MA, is the producer of the Public Health On Call podcast, an editor for Expert Insights, and the director of content strategy for the Johns Hopkins Bloomberg School of Public Health. Show links and related content: How New Federal Legislation Will Affect Health Care Costs and Access for Americans—Johns Hopkins Bloomberg School of Public Health When Do the One Big Beautiful Bill Act's Health Care Provisions Go Into Effect?—Center for American Progress Health Provisions in the 2025 Federal Budget Reconciliation Law—KFF Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

We are so back.... on the Oregon Coast with the Mysterious James for another round of two-wheeled mayhem. Ten days, 360 miles, zero expectations, and maximum potential for randomness. The Safari's ready, MJ is in, and we're about to find out if bike touring is really dying or just hiding. Spoiler alert: it's gonna be a wild ride. Mysterious Oregon Coast 2025 Preview Route Preview •Start: Astoria, OR (mile marker 0 or 360, depending on your perspective) •End: Crescent City, CA (for Tim); James continues on to the Bay Area •Duration: 10 days with a flexible buffer day •Notable overnight stops (planned or likely): •Nehalem Bay State Park (newly renovated!) •Pacific City (Webb Campground… maybe) •South Beach State Park (for access to Newport breweries) •Honeyman State Park (newer, flatter hiker/biker site) •Humbug Mountain State Park •Harris Beach State Park •Potential zero day or break-up of the tough Humbug → Harris Beach stretch •No planned fast-forwards, unless absolutely necessary. Camping and Lodging Notes •Prioritizing Oregon's legendary hiker/biker campgrounds. •Watching for options to split up tougher days if needed. •No hotels booked mid-ride… but maybe one after. Health & COVID Precautions •Recent exposure to COVID before departure. •Testing negative but traveling with: •N95 masks •At-home test kits •A solid commitment to not being “that guy” on the coast Gear and Bike Setup •Bike: The classic Safari (not the e-bike — those batteries don't fly) •Derailleur hanger fixed after some Oregon baggage trauma last year •Bags and Packing: •Rear panniers only (probably no front rack) •Dry bag strapped to handlebars •Possibly a rack-top bag or extra dry bag for groceries •Tent & Sleep Kit: Same trusty gear as usual •Clothing: •Two sun hoodies, maybe a few tees •Minimal civilian clothes •One pair of riding pants, maybe a second pair •Hat, gloves (maybe), sleep clothes •Kitchen: •Might skip the stove — James likely bringing one •Planning to mooch hot water as needed •Hydration & Nutrition: •Bringing water cube + personal bottle •Salt/electrolyte tablets recommended by a listener •Stroopwafels as ride fuel (solid choice) Weather Forecast •Classic Oregon coast summer: mid-60s highs, mid-50s lows, mostly dry •Tailwinds expected •Perfect conditions for coastal touring The State of Touring •Fewer cyclists seen in recent years — why? •Aging of the boomer “bikecentennial” generation •More folks opting for trail or gravel rides •General safety concerns on roadways •ACA is selling its HQ in Missoula and going fully remote — a sign of shifting tides? •This ride may be another data point in the evolution of bike touring What to Expect •Conversations and stories with James •Challenges, route decisions, campground reviews, and food stops •A mix of reflective commentary and classic on-the-road storytelling Coming Up… •Next episode kicks off the Mysterious Oregon Coast 2025 tour proper •Get ready for on-the-ground updates, audio postcards, and the real-time unfolding of the adventure

Host Dr. Jonathan Ryder speaks with Dr. Jamie Wagner and Dr. Sheetal Kandiah about the macro- and micro-influences driving antimicrobial costs. They explore how the ACA, pharmacy benefit managers, formulary restrictions, and socioeconomic disparities shape access and prescribing patterns. The discussion highlights real-world challenges for stewardship programs and practical steps to improve affordability and equity in antimicrobial use, with a look ahead at future reforms.

MMALOTN is back to give you breakdowns and predictions for PFL 2025 World Tournament 10.

Send us a textWhy are U.S. health care costs so high—and what does that mean for you and your family? In this episode, I dive into the real reasons behind America's staggering health care bills.We start with a story that hits close to home—a $189,000 outpatient cancer surgery bill followed by $12,000-a-month immunotherapy—and I unpack how even with Medicare coverage, the pricing dynamics can feel shocking. Using my experience as a physician and health policy researcher, I explain why these massive charges happen and where the system is breaking down.At the national level, we now spend over $5 trillion a year on health care—roughly 18% of our GDP—and this number is growing far faster than inflation. This growth threatens the solvency of key programs like Medicare, which is projected to run out of funds by 2033 (Health Affairs). Employers are also feeling the pinch, with average family coverage costs now topping $25,500 annually (WSJ). Individuals, especially those using ACA exchanges, face rising premiums—some increasing by 20–30% next year (Axios)—and deductibles between $3,000 and $5,000 are now typical.Despite all this spending, our health outcomes are among the worst in the developed world. The U.S. ranks 33rd in infant mortality and 32nd in life expectancy out of 38 OECD countries, even though we spend about $12,000 per person annually—nearly three times the OECD average (America's Health Rankings).So, what drives these costs? It boils down to three factors: high prices, high utilization, and high administrative overhead. Prices for common procedures are far above international norms—a CT scan in the U.S. costs around $900 compared to $279 in the Netherlands and just $97 in Canada (Health Imaging). U.S. physicians, nurses, and hospital executives also earn significantly more, contributing to overall spending (Medscape; JAMA).On the utilization front, studies estimate that around 25% of all care may be unnecessary, driven by defensive medicine, patient expectations, and incentive structures that reward more procedures—not necessarily better outcomes (PGPF; Choosing Wisely).Even administrative overhead plays a massive role: nearly 25% of U.S. health care spending goes to bureaucracy—four times what's typical in simpler, single-payer systems (Health System Tracker; Health Affairs%20of%20US%20GDP)).If you're wondering why your doctor spends just 17 minutes with you or why your premiums feel like a second mortgage, this episode offers the context—and data—to help you understand what's really going on.Takeaways: Start asking about cash prices—especially if you're still in your deductible phase. Preventive steps like regular exercise may offer the highest return on investment when compared to costly downstream care. And above all, consider your plan carefully during open enrollment.For deeper insights, links to all the studies mentioned, and access to my newslet

The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace.  With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet. We're talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten. Whether you're planning to retire before age 65 or just want to make sure you're making the most of affordable health options, this episode is packed with actionable advice to help you navigate the shifting health insurance landscape. Stay tuned to hear how you can prepare before the subsidy cliff arrives. You will want to hear this episode if you are interested in... [00:00] ARPA health subsidy set to expire. [06:48] Special enrollment eligibility criteria. [09:49] Estimate income for subsidy applications. [12:50] Retirement subsidy eligibility insights. [16:38] Managing income for post-2025 health subsidies. [19:50] Retirement planning and tax strategies. What Retirees Need to Know About Expiring Subsidies in 2026 For many Americans considering early retirement, one of the pressing concerns is the high cost of health insurance before Medicare eligibility kicks in at age 65. The Affordable Care Act (ACA), often called Obamacare, has provided critical subsidies—tax credits that reduce monthly health insurance premiums for individuals and families who earn between 100% and 400% of the federal poverty level (FPL). Thanks to these subsidies, many retirees have found coverage that's far more affordable than what existed before the ACA. These subsidies aren't static, however. Their availability, amount, and eligibility thresholds have changed over time, notably with the enhancements set by the American Rescue Plan Act (ARPA) during the pandemic. But much of that is set to change again at the end of 2025, and retirees need to understand what's at stake and how they can prepare. How ACA Subsidies Work Right Now Currently, the vast majority of people purchasing health insurance through the ACA marketplace receive premium assistance. As of 2024, 91% of the 21 million marketplace participants benefit from some kind of subsidy, according to the Centers for Medicare and Medicaid. These subsidies are calculated based on household income and size, and for now, thanks to ARPA, even those earning above the previous 400% FPL cutoff have been able to secure relief. The system works on a sliding scale: the higher your income (relative to the FPL), the lower your subsidy—and vice versa. For instance, a single retiree in most U.S. states falls under the subsidy limit if their Modified Adjusted Gross Income (MAGI) is less than $60,640 (400% of the 2024 federal poverty level). For a couple, that threshold is $84,600. The subsidies fill the gap between what the government deems an affordable percentage of your income and the cost of a benchmark “silver” marketplace plan. The Big Change: Subsidy Cliff Returning in 2026 A crucial point highlighted in episode 267 of Carolyn C-B's podcast with Ryan Morrissey: the most generous version of these subsidies, courtesy of the ARPA, will sunset at the end of 2025. We are about to return to a world where if your income exceeds 400% of the FPL by even just $1, you lose all subsidy assistance—an abrupt subsidy cliff. Previously, the ARPA smoothed this out, allowing gradual decreases rather than outright elimination at the cutoff. That made planning far simpler for retirees managing taxable withdrawals from savings or retirement accounts. Starting in 2026, the sudden loss of these subsidies at the income cliff could mean the difference between a manageable $400 monthly premium and a staggering $2,700+ for a similar plan. To add to the challenge, insurers anticipate higher premiums in 2026 as healthier enrollees fall off plans due to pricing and subsidy loss. Planning Strategies for Retirees With the looming subsidy cliff, retirees may need to rethink their approach to generating retirement income. Since eligibility is based on income, not assets, it's possible to have significant savings but low reportable income, qualifying you for subsidies. Key strategies include: Harvest Extra Income Before 2026: Consider accelerating IRA distributions, realizing capital gains, or selling assets in 2025 while subsidies remain generous. Build Up Liquid Assets: By moving assets into cash accounts before retirement, retirees can “live off” cash in years they need to keep income low, preserving subsidy eligibility. Utilize Roth and Home Equity Withdrawals: Roth IRA distributions (if held 5 years and owner is 59½ or older) don't count toward MAGI; home equity lines or reverse mortgages can also provide non-taxable funds. Make Use of Pre-tax Contributions: While still working, increase contributions to 401(k)s, IRAs, and HSAs—these lower MAGI and can be a tool for subsidy planning. Congress may choose to extend or reform these subsidies again, but as of now, retirees should assume the cliff is returning. If you plan to retire—and especially if you'll rely on individual ACA coverage before age 65—be proactive. Monitor federal updates, calculate your projected MAGI, and consult a knowledgeable financial advisor for personalized guidance. Open enrollment begins November 1st each year—make sure to check your state's marketplace for updated premiums and subsidy parameters for 2026. Planning now can safeguard your health and your finances through a rapidly changing insurance landscape. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  The Affordable Care Act (ACA) American Rescue Plan Act (ARPA) Centers for Medicare and Medicaid Services Access Health CT  Health Insurance Marketplace  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

MMALOTN is back to give you breakdowns and predictions for UFC Shanghai: Walker vs Zhang.

Learn how to cut prescription costs and prepare for steep health insurance hikes if ACA tax credits expire. How can you make prescription drugs more affordable? What can you do if subsidies in the Affordable Care Act expire and health insurance costs spike? Hosts Sean Pyles and Elizabeth Ayoola discuss rising prescription costs and looming changes to health insurance premiums to help you find ways to save and protect your budget. Joined by Dan Weissmann, host of the podcast An Arm and a Leg, they begin with a discussion of the structural problems in the U.S. prescription drug system, with tips on comparing prices across pharmacies, using discount programs like GoodRx, and checking for manufacturer coupons. Then, personal finance Nerd Kate Ashford joins Sean and Elizabeth to discuss how ACA premium tax credit changes could impact your wallet. They explore strategies such as comparing marketplace plans carefully, shifting to different tiers of coverage, considering employer-based insurance, and preparing for open enrollment. They also highlight the risks of going uninsured, ways to use preventive care benefits to save money, and why America's healthcare system ended up so tied to employment. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: prescription drug costs, how to save on prescriptions, GoodRx, Mark Cuban Cost Plus Drugs, pharmacy benefit managers, drug manufacturer coupons, ACA subsidies, ACA premium tax credits, Affordable Care Act healthcare costs, ACA marketplace plans, health insurance open enrollment, formulary, health insurance tiers, high deductible health plan, bronze vs silver plan ACA, health savings account, ACA premium increases, ACA subsidies expiring, ACA tax credits 2025, how to compare health insurance plans, employer sponsored health insurance, self-employed health insurance options, preventive care coverage, avoiding medical debt, risks of going uninsured, Vermont ACA costs, ACA premium increase by state, ACA cost saving strategies, how to check if prescriptions are covered, negotiating prescription costs, medical bankruptcy risk, Medicare and Medicaid differences, US vs UK healthcare costs, ACA income thresholds, ACA marketplace eligibility, losing ACA subsidies impact, choosing an ACA plan, and ACA open enrollment dates. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Take the Stage, Brad Bialy sits down with Mark Whitby to explore how recruiters can escape the feast-or-famine cycle by building signature solutions, refining their target market, and creating a consistent, multi-channel approach to winning business. About the Guest Mark Whitby is the host of The Resilient Recruiter podcast and one of the most respected business coaches in the recruitment industry. Since 2001, he has trained over 10,000 recruiters in 34 countries, helping many double or triple their billings and guiding firms to scale from small teams to hundreds of employees. He specializes in helping recruiting firm owners create consistent, predictable growth. Key Takeaways Stop selling recruitment—start selling solutions. Focus is a superpower in business development. Differentiation without value is meaningless. You never outgrow the need for marketing. Success comes from constant, deliberate improvement. Timestamps [00:13] – Why recruiters must stop selling recruitment. [02:40] – The three tests of a signature solution. [05:23] – Why many firms struggle with differentiation. [08:56] – How top recruiters keep innovating in 2025. [15:31] – Defining your market niche and dream 100. [19:04] – The power of segmentation over personalization. [22:27] – Building a multi-channel outreach strategy. [26:13] – Why multi-channel is essential in 2025. [32:23] – Breaking free from feast-or-famine cycles. [36:58] – Why you should never stop marketing. About the Host Brad Bialy is a trusted voice and highly sought-after speaker in the staffing and recruiting industry, known for helping firms grow through integrated marketing, sales, and recruiting strategies. With over 13 years at Haley Marketing and a proven track record guiding hundreds of firms, Brad brings deep expertise and a fresh, actionable perspective to every engagement. He's the host of Take the Stage and InSights, two of the staffing industry's leading podcasts with more than 200,000 downloads. Sponsors and Offers Heard Take the Stage is presented by Haley Marketing. The old way of selling staffing is dead. Let's fix it – with smarter strategies and HUGE DISCOUNTS on modern lead gen tools: bit.ly/Bialy20 Book a 30-minute business and marketing consultation with host, Brad Bialy: bit.ly/Bialy30 For 30 years, Benefits in a Card has delivered benefit plans designed specifically for the staffing industry—over 140 unique options with immediate coverage, unique perks like FreeRx, and solutions that reduce turnover while improving ACA compliance. Give your workforce benefits they'll actually use and give your staffing firm a competitive edge. Learn more at BenefitsInACard.com.      

Episode 215: We arent clowning around this week as we get corny, with 2025's Clown in a Cornfield. HAHAHA!!!Make sure to bring your appetites for meat pies next week, as we cover Tim Burton's 2007 Sweeney Todd: The Demon Barber of Fleet Street.Become a supporter of this podcast: https://www.spreaker.com/podcast/a-cut-above-horror-review--6354278/support.

Come aboard and run down the news checklist from the Delta MEC in this week's Engage Weekly.Air Canada flight attendants have issued a strike notice. Make the walk and ensure ACA flight crews can jumpseatHonor 9/11 victims at ALPA's annual remembrance ceremonyThe Delta MEC will hold its next regular meeting in MSP. Stay tuned for updates after the conclusion of the meeting.Learn how you can receive the most up-to-date MEC news via Textcaster and TelegramAlso, tune in for committee news and council events!Additional information is available in this week's MEC News. Have a good weekend and stay Engaged!