What's the story November 2016

™

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might want to see in other publica ons, but don’t. We look for stories that could go viral...at the very least, stories that are interes ng. The In Print point is to “Share It!” November. 2016

Are we a newspaper? No...Are we a magazine? No...Are we a newsle er? Not really any of those. So what are we? We are a publica on in print and online designed to provide informa on: for fun, for what’s happening, for things you

Funtime Theater-Who dunnit?

Would you like a fun and unique way to celebrate a special occasion? Are you looking for a new way to enjoy dinner? Fun me Theater is exactly what you need.

With over 150 years of combined experience, the talented actors and actresses perform exci ng murder mysteries or plays.

I had the opportunity to enjoy dinner and the show at Lili’s

Burn out at the Love-In

Restaurant where they performed “Burn‐Out at the Love‐In” in September. Not knowing what to expect, it was a li le like playing a game of Clue.

In fact, clues were passed out and the cast members randomly stopped by the tables, giving guests ample me to ask ques ons and try to determine Who dunnit?

The show was amusing, the Con nued on page 5

Left to right, Quickley Shucks by Momoko Olejniczak, Dan “the man” Cornball by Dan O'Connell, Kitty Blocker by Kathy Easly, Wilyn Baller by Kevin MikelIma, Hardley Freebee by Kathy Sharkey, Ima Freebee by Ariel Soto, Ada Walker by Jamie Crush, Sandy Taylor Walker by Ann Sullivan

A Tale of Opposing Opinions Obama Admin Announces Double-Digit HealthCare.Gov Premium Increases; 5 Things to Do as Obamacare Collapses

More Than 70 Percent of Consumers Can Find

For Immediate Release October 26, 2016

MEDIA CONTACT: Hamilton Strategies, 610.584.1096, ext. 104, or Media@HamiltonStrategies.com

Despite President’s Claim That Obamacare ‘Is Working,’ It’s Not, Says Ci zens’ Council for Health Freedom; the ‘Affordable’ Care Act Is Collapsing and the End Is Near

ST. PAUL, Minn.—The Obama administra on dropped a bombshell yesterday, announcing that HealthCare.Gov premiums will rise sharply next year.

According to the Associated Press, “Before taxpayer‐ provided subsidies, premiums for a midlevel benchmark plan will increase an average of 25 percent across the 39 states served by the

For Immediate Release October 24, 2016

Marketplace Plans for Less than $75 Per Month

Contact: HHS Press Office 202‐690‐6343 media@hhs.gov With Start of Window Shopping, Americans Can Now Check Out Op ons for 2017 Coverage With window shopping beginning today, Health Insurance Marketplace consumers can now visit HealthCare.gov to check out their op ons for 2017 coverage in advance of the start of Open Enrollment on November 1. A new report released today shows that 72 percent of Marketplace consumers in states using HealthCare.gov will be able to find plans with a premium of less than $75 per month and 77 percent will be able to find plans with premiums below $100, taking into Con nued on page 1

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Editor: Janice Hermsen: janice@lrpnv.com

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FINAL BREATH

Inside this issue: Janice Hermsen: Funtime Theater

1

A Tale of Opposing Opinions

1

Brian T. Shirley: Why is the election so close to Halloween?

3

Mike Aloia: Light of freedom

4

A once in a lifetime experience!

5

Richard G. Pugh: Medical thinking...

6

April Voytko Kempler: Health benefits from singing?

7

Mary A. Berger: Ding! Ding! Ding!

Take the quiz: You may know more than you think!

Answers to quiz

9

Gift Book: $14.95

Hard Cover: $49.95 100% of profits to Wynema Ranch Wild Horse Sanctuary A story of love and hope Get your copy today: http:// www.leruepress.com/ FinalBreath

2016: Barn Yarns by Eddie Floyd

Read and Succeed Program Do you have books for kids pre‐Kindergarten to high school? The Read and Succeed Program of Washoe County provides books for kids that have li le or no books in the home.

Want to help?

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Eddie & Shari Floyd

Drop off new or gently used books

at LeRue Press, 280 Greg Street #10

Reno, Nevada They will make sure we get them to the kids!

Thank you for your help!

LeRue Press is strictly a drop off loca on and does not receive compensa on for these services. on for these services.

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Brian T. Shirley

Are you scared? I am, not just because it's Halloween and I don't have any candy to hand out to kids. Not because we have an incredibly dysfunc onal elec on this me, no, turns out these things seem to have the same rhetoric every me. It's not the economy so much either, nor the wars or rumors of wars.

No, I think I'm scared because I'm supposed to be this me of year. I have traveled and performed all over the place this year (Just watch my WEB TV series BTS on the Road) and I stored up for the winter. I have come to learn that this me of year we're going into (Fall and then Winter) is a me of short cold days and long colder nights. They even have studies that say Winter is the most depressing me of year. Well, it's a good thing we have Thanksgiving and Christmas, then New Years to get us through.

As a person that tries to bring laughter and joy to peoples lives, I can say that the holidays can be a wonderful me of the year, yet tough at the same me.

I think since the dawn of me, man (and woman) have enjoyed the fun in the sun, learned to set their harvest aside (hopefully) to make it through the long cold winter. We have, as humans, adapted to the weather to a degree, but we can't change the seasons. That's why we have to adapt internally and keep up the warm vibes in the dead of winter. Is it a coincidence that we celebrate the biggest of Holidays in the midst of Winter?

I don't think so. I'll expand on this more in the next post, but on to Halloween.

All Hallows Eve is upon us and so is a very scary

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Why is the election so close to Halloween? elec on. I have to host a costume contest, I'm going as myself, an MC, but I thought as dressing as an email.

How the Hell would I do that? What if I went as a deplorable or a irredeemable? Who knows, I just think that this is the kind of elec on you could not have in May. "Hey, look at the flowers!! Oh Sh$%!! we have to vote for president!!".

Please do me a favor folks, don't wear a clown costume, vote however you feel, but don't berate anyone who votes the opposite of you. That's what makes the USA different from a lot of other places. If we ever became Europe, China, Africa or like any other place in the world, THAT would really be scary!!

Brian is an author, former radio host, comedian and philosopher. He has been in the comedy business for over 20 years in Canada, the U.S. and the Bahamas. He lives in Charleston, South Carolina.

In the past few years, he went to Japan to entertain the U.S. Marine Corp where he opened for headliner Jackie Fabulous, a stand‐up comedian herself. To book Brian, Contact him via his Facebook page: h ps://www.facebook.com/ brian.t.shirley.5?fref=ts We know what we are, but know not what we may be. ‐ William Shakespeare

Read more at: h p://www.brainyquote.com/quotes/ quotes/w/williamsha164317.html?src=t_inspira onal Copyright, 2015‐2016, LeRue Press. No part of this publica on may be copied or reprinted without permission from LeRue Press (LRP).

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Mike Aloia Our spectrum of color engulfs the illuminations of imagination as we follow the captivating visions of the mind within the depths of our eternal soul.

Light of freedom

“Walk the Turtle”

When we walk the turtle, sometimes blind, we must remind ourselves that we are never alone, a savior walks beside us as we go into the light of freedom.

Promises we are given comforts the spirit as we trust the strength of love, find courage to confront the giant inside, for this is something we all possess.

As the days go by each moment is transformed into a distant memory, standing steadfast through our trials and spiritual struggles is required for growth.

Mike Aloia is a father of two daughters and a proud grandfather. He is 50 years old and lives in Jacksonville, Florida. Mike is mul ‐talented: a cartoonist, comedian, musician, songwriter, actor, columnist, and the CEO of American Hearts Radio, LLC Entertainment Network. He has experience in web TV, radio entertainment produc on, ar st management, and other aspects of entertainment.

His column “Walk the Turtle” are his thoughts on slowing down, taking it easy, and enjoying life. Mike's work can be found in the following places: www.americanheartsradio.com

www.facebook.com/americanheartsradio www.harmonybooking.com

We are not who we were yesterday, change of morality and heart will enhance our integrity of spirit, prayer for self offers obedience to our destiny.

Security felt inside is built by the foundation of faith, to release all fears and to reach out for guidance plants a seed that grows into wisdom and grace.

Peace inside each heart is found after we have survived the torment during the storms we all face in this life, realize your purpose and believe.

In Black & White: The story of Floyd sneed Late 2016 release of Classic Drummer Hall of Fame and Pop Music Hall of Fame inductee (Three Dog Night), Floyd Sneed.

In Black & White is a wi y, entertaining and insigh ul book full of stories told by original Three Dog Night drummer, Floyd Sneed with perspec ves from people who know him . How he took his crea vity to another level with his own personal imagery that is joyful and inspired by his sense of humor. Published by LeRue Press, LLC. Follow Floyd on Twitter @FloydSneedDrums

© Hinton Design

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A once in a lifetime experience! with a selec on of many other favorite liba ons, delicious hors d'oeuvres, and a star studded array of beau ful music ‐ all at the historic Marshall Mansion at 2301 Lakeside Drive in Reno, overlooking gorgeous Virginia Lake.

From 5:30pm to 8pm, the Marshall Mansion will be filled with sound featuring the award winning Abbey Pastrell on harp, Larry Ellio playing the 18th century harpsichord, Supersano poolside piano, legendary five star Las Vegas entertainer Jakki Ford, the Nevada Opera Takata Tenor Christopho, Celine Dion tribute "God Bless America" to honor our veterans, and the mansion's own DJ playing party hits from the 60s, 70s, and 80s.

Tickets are only $35 and available now. The price

A true once in a life me experience is happening includes food, wine/beer, and so drinks but ckets are on Saturday November 12th at the Marshall Mansion in limited to only 200, and they're going fast so get yours Reno, Nevada. Hugh Roy and Cynthia Marshall are opening their iconic residence for one night only to host soon! You can purchase them at the Buy Nevada First Gi Shop and Visitor's Center at the Reno Town Mall at 4001 "Music at the Mansion" benefi ng the Reno Historical S. Virginia St., Veterans Guest House at 880 Locust St. Society, the Veterans Guest House, and the Old Tales of across from the VA Hospital, or call or eMail Jim Webster Nevada Scholarship Fund.

This will be a gala evening of wine and beer from at 775‐379‐2196, dynamicreno@yahoo.com for more Reno's newest brewery, Record Street Brewing Co., along informa on.

JOIN THE FUNTIME THEATER ON DECEMBER 17, 2016

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characters seemed to enjoy their roles and there was plenty of me to try to figure exactly who was the murderer. Although I didn’t answer al the ques ons correctly, there were much more experienced players in a endance that figured it out and were rewarded with some great swag.

I recommend a ending a murder/mystery dinner with the Fun me Theater. Bring your friends, enjoy a night out, help solve a mystery or just enjoy watching everyone else! You won’t be disappointed.

Naughty Santa

Lili’s Restaurant 5:00 p.m.—9:00 p.m.

2325 Kietzke Lane $50, Dinner & Show Reno, Nevada Tickets: fun metheater‐dmm.eventbrite.com

Janice Hermsen is the co-founder and managing partner for LeRue Press, a publisher, printer and a professional business center located in Reno, NV. She is also the editor of What’s the Story?™ Hermsen writes for nostringsattached.com, was a Featured Contributor in the finance section on yahoo.com and hosts two radio shows Book Hound and What’s the Story? that air in northern Nevada and, with the help of the internet, has followers from around the world.

Copyright, 2015‐2016, LeRue Press. No part of this publica on may be copied or reprinted without permission from LeRue Press (LRP).

Page 6

Richard G. Pugh

Doctors are becoming encouraged by pa ents’ New Year’s resolu ons to improve their health by joining health and fitness programs.

However, sta s cs indicate the largest usages occur on Jan. 2nd and Jan. 3rd.

What’s going on in Chicago anyway? The Windy City is becoming an endless killing ground. I understand the coroner rou nely fills out death cer ficates with the same nota on….”Death by lead poisoning”!

The AMA has finally come out with the proclama on that pulling the handle on your recliner is NOT to be considered a form of exercise!

Mark Twain is supposed to have gone to his doctor in Virginia City and received advice to limit his alcohol consump on to one PINT of whiskey each day. He got a second opinion and received the same advice. His conclusion: To limit his drinking to one QUART a day!

Since the number of visits by Medicaid pa ents is virtually unlimited, there was this story about an elderly gentleman who was in his doctor’s office every day. One day he didn’t show up and the next day when he was asked why said, “Frankly Doctor, yesterday I was feeling kind of poorly and couldn’t get over to see you.”

There is this family prac ce doctor in Reno who recently won a mul million dollar lo ery and when asked what he intended to do with the windfall commented, “I’ll

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Medical thinking... just con nue prac cing medicine un l all the money is gone!”

A doctor once prescribed taking one pill a er a hot bath but was quickly told “How can I possibly do that a er drinking all that bath water?”

Remember when some doctors specialized in Eyes, Ears, Nose, and Throat (EENT)? Well, now they have dropped the EYES part of that. The simple reason is that their office signage and adver sing was just too complicated: “Specializing in OPHTHAL‐OTO‐ RHINO‐LARYNGOLOGY.

I knew a family doctor…they used to call them GPs… who once said with a sly grin, “I’m a specialist too… My specialty: The Skin and All Its Contents! Now that’s Clever, eh?

A chiropractor in training was advised: “Keep your back to the wind, your ear to the ground, your eye on the target, and your nose to the grind‐stone, and remember to bend over backwards for your pa ents.” No doubt he’ll be his own best pa ent over the years.

A er coming to Reno from Charleston, S.C. in 1973 to accept the posi on of CEO of the Nevada State Medical Associa on and serving as Director of Physician Rela ons at Washoe Medical Center for two years, Pugh re red in 1990.

Later he helped establish Health Access Washoe County (HAWC) and served as Board Member and President for several years. He has served as Adjunct Clinical Instructor at the University of Nevada School of Medicine and authored four books through the History of Medicine Program there.

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April Voytko Kempler

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Health benefits from singing?

Whenever I felt down or moody my mother always said to me, “When Grandma was sad she would turn on the radio and start singing out loud. Pre y soon she felt happier. Why don’t you try it?”

I took her advice and mom and Grandma were right. I did feel be er. But, why were they right?

Was there any science to back up what they always said?

Yes! According to a study conducted by German scien sts at the University of Frankfurt, people who sang in a choir had strengthened their immune systems and experienced a boost in mood.

The scien sts determined that while singing the people had an increase in secretory immunoglobulin A—a mouthful I know—(a protein produced by the body’s immune system when it detects harmful an gens such as bacteria, fungi, or viruses). While listening to music they had a decrease in cor sol, the stress hormone.

Singing also produces immediate pleasure. A team of scien sts at the University of Manchester discovered that the sacculus, a li le organ in the inner ear, responds to frequencies commonly found in music.

This organ is connected to the part of the brain responsible for registering pleasure. No wonder singing makes us feel good quickly. Even if you aren’t good at carrying a note singing can be beneficial.

Are you kept up at night because someone you love snores? One more added benefit of singing is that it might help people who snore. According to one study at the Mayo Clinic, singing exercises improves muscular control of the so palate and upper throat, which leads to a reduc on in snoring.

Some people may refrain from singing out loud because they feel it might make them look foolish, but doing silly things some mes helps to dispel feelings of anxiety.

So why not sing out loud? No lessons necessary; just open your mouth up wide and let loose a song.

A na ve Californian, April Kempler was raised in beau ful downtown Burbank. April currently resides in her "adopted" city of Reno, Nevada. April Kempler's first book en tled The Altered I, is a first‐person narra ve about her father‐in‐law's experiences as a Holocaust survivor.

April is an avid reader, a habit she picked up as a child.

Instead of playing with the other kids, she could be found with her nose in a book.

Grab a Steamin’ Wienie and a copy of What’s the Story® at Sinbad’s

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Con nued from page 1

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federally run online market.” And to add insult to injury, about 1 in 5 consumers will be able to choose from just a single insurer, as more and more na onal insurers drop out.

Ci zens’ Council for Health Freedom (CCHF, www.cchfreedom.org) president and co‐founder Twila Brase wrote an up‐to‐the‐minute op‐ed for LifeZe e.com about the announced increases, and what consumers can do as the “Affordable” Care Act con nues to collapse.

“Despite President Obama’s claim that Obamacare ‘is working,’ it’s not,” Brase said. “Even Minnesota Gov. Mark Dayton, a Democrat, told news reporters, ‘The reality is the Affordable Care Act is no longer affordable to increasing numbers of people.’ The ‘Affordable’ Care Act is collapsing. Premiums, deduc bles, out‐of‐ pocket costs, networks, insurance op ons, exchanges, co‐ops, mandates, penal es, enrollment and redistribu on (‘bailout’) subsidies for health plans are either not working, shu ng down, not popular, not mee ng expecta ons, too expensive or out of control.”

CCHF gives five ac ons Americans can take as Obamacare unravels before their eyes:

1. Find a legal alterna ve. According to Supreme Court Chief Jus ce John Roberts, Americans cannot be forced to buy health insurance, but they can be taxed for being uninsured—unless they claim an

account financial assistance. The report also shows that consumers will have op ons, with an average of 30 health insurance plans to choose from.

“Thanks to financial assistance, most Marketplace consumers this year will find plan op ons with premiums between $50 and $100 per month,” said HHS Secretary Sylvia M. Burwell. “Millions of uninsured Americans qualify for financial assistance, and so could as many as 2.5 million Americans currently paying full price for off‐ Marketplace coverage. I encourage anyone who might need 2017 coverage to visit HealthCare.gov and check out this year’s op ons for yourself.”

Thanks in large part to the Marketplace, in early 2016, the share of Americans without health insurance fell to 8.6 percent, the lowest level in our na on’s history. This year’s Open Enrollment offers the chance to build on that progress and further improve access to care and financial security.

exemp on. Individuals should check out the nine exemp ons, including membership in a health‐sharing organiza on (see CCHF’s health sharing info here), and the 14 hardship waivers, especially numbers 13 and 14. (Learn more about the exemp ons here.)

2. Refuse to aid and abet Obamacare. The ACA exchanges let federal officials reach into and control the states. By refusing to buy coverage on state exchanges, individuals can financially destabilize this key infrastructure and build momentum to shut down HealthCare.Gov and the 14 state and D.C. exchanges.

3. Buy individual insurance. Employees can ask for their en re compensa on in cash and buy less expensive insurance policies—or switch to a health sharing organiza on. Moving to insurance independence will put dollars and decisions back into individual hands, prevent insurers from siphoning ever‐increasing amounts of worker’s wages, provide individual ownership and portability of insurance, prevent pre‐exis ng condi ons exclusions related to switching jobs, and limit exposure to job loss‐related medical bankruptcies.

Financial Assistance and Shopping Help Keep Coverage Affordable

Eighty‐five percent of current Marketplace consumers receive tax credits that bring down the cost of coverage, and, na onwide, about the same percentage of Marketplace‐eligible uninsured Americans also have incomes that could qualify them for tax credits. In addi on, an es mated ‐ PDF 2.5 million people currently paying full price for health insurance in the off‐Marketplace individual market could be eligible for tax credits if they purchase 2017 coverage through the Marketplace.

Tax credits increase dollar‐for‐dollar with the cost of a consumer’s benchmark plan, so they protect the large majority of consumers from rate increases. For example, a 27‐year‐old in Dallas, Texas with an income of $25,000 paid $143 per month to purchase the benchmark (second‐lowest cost silver) plan in 2016. For 2017, that same 27‐year‐old would pay almost the exact same amount for benchmark coverage, despite a premium increase of $16 per month, because tax credits also increase to compensate.

In addi on to financial assistance, shopping helps keep coverage affordable for consumers. If every returning consumer na onwide selected the lowest‐cost plan within the same metal level they picked last year, average premiums paid (taking into account financial assistance) would fall by $28 per month – 20 percent – compared to 2016. In fact, many consumers do not choose the lowest‐ cost plan available, which is why it’s important that shopping also lets consumers compare plans based on factors like provider network, prescrip on drug coverage, and total out‐of‐pocket costs. But this calcula on confirms that affordable op ons for 2017 coverage are available to consumers who choose to shop around to find a be er deal.

This year, HealthCare.gov consumers will have the op on to choose from an average of 30 plans. Like last year, there will be an average of 10 plans per issuer. Four out of five (79 percent of) consumers will also be able to choose between mul ple issuers, and all consumers will be able to choose among plans with different combina ons of premiums, out‐of‐pocket costs, networks of hospitals and physicians, and prescrip on drug coverage op ons. For people with employer‐sponsored health insurance, plan choice is typically arrower; for example, in 2015, 30 percent ‐ PDFof people with

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Con nued on page 10

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Mary A. Berger

Ding! Ding! Ding!

It was the middle of the night, and I bolted straight up in bed, heart pounding. My husband s rred just enough to no ce. "It's all right, dear," he mu ered, pa ng my shoulder. Then he added sheepishly, "I bought another clock and . . I guess I forgot to tell you."

A er that, each me I'd get rese led, the new clock would chime out, as if to say, You just think you're going back to sleep.

Some mes I imagine a clock collector's mo o is: There's Always Room For One More. Since my spouse began collec ng the an que mepieces, they've taken up residence all over our home‐‐ clocks on the walls, in the halls, over the door, next to the sofa. You get the picture.

I've heard some clock collectors even include clocks in the family budget!

Maybe a couple could make an agreement specifying a dinner date with the wife for each new clock expense he racks up.

There once was a clock couple we knew whose collec on covered nearly every empty spot in their house. Once, when we were visi ng at their home, I casually propped my elbow up on the back of

their sofa and brushed against an old mepiece on the wall. I was mor fied when the clock began to slide. The woman gasped, and I made a lunge for the clock to hold it steady. That was a close call!

As some clock collectors will tell you, the hobby o en begins with the innocent purchase of a small, inexpensive mepiece . . . then another . . . and another . . . un l one day you've got a "collec on."

At this point the collector will o en meet up with someone who's also interested in clocks, and they will know someone else, who also will know someone else.

They might even join the local clock group, which will, of course, allow them to share stories with other clock‐collec ng enthusiasts.

There are things to be learned, however, from owning old clocks. Like the me my elderly, outspoken aunt came to spend the night with us. Next morning, she plodded into the kitchen, minus one slipper, her housecoat bu oned crookedly, and a scowl plastered on her face.

"Sleep okay, Aunt Edith?" I asked, wondering what was wrong.

"Who could sleep?" she squawked, referring to our clocks. "Clang‐clang, ding‐dong, chime‐chime—all Con nued on page 11

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4. Find a cash‐based prac ce. Most Americans will never reach today’s high deduc bles. There are op ons for be er care at lower costs. Physicians are opening prac ces free from government regula ons and managed care controls. These third party‐free prac ces o en offer high‐touch, mely, confiden al, pa ent‐centered care at affordable prices. Pa ents get more care for their money and a true advocate who keeps their best interests at heart. To find one of these cash‐based prac ces near you, check out CCHF’s The Wedge of Health Freedom (www.JointheWedge.com).

5. Devolve health care back to the states. Much like the 29 states that refused to expand Medicaid and the 37 states without a state exchange, states can take back health care. Congress has a limited set of enumerated powers. Under the Tenth Amendment, all other powers belong to the states and individual ci zens. State governors and legislatures can begin to reclaim their legal rights by re‐establishing the 35 state high‐risk pools for people with pre‐exis ng condi ons that existed before Obamacare.

“The ‘Affordable’ Care Act is a threat to America and its founda on of freedom,” Brase concluded. “And the key to ‘fixing’ Obamacare is to refuse to resuscitate it a er it collapses.”

CCHF recently launched The Wedge of Health Freedom (www.JointheWedge.com), where doctors have said ‘no’ to costly and restric ve insurance contracts and government regula ons.

These Wedge prac ces, which are located in about 40 states, can be found online in a “map of freedom,” which displays the loca ons of doctors and other health care professionals around the country, where pa ents can find care that is affordable, confiden al and pa ent‐ friendly.

employer coverage had only one plan op on.

As the Marketplace Goes Through a Transi on Year, Experiences Vary Widely Across States

New ReleasesLeRue Press: 2016-17

Barbara Davis Craps and the Showgirl Dennis DuPerault Auto Emotions 101‐Updated and Revised Eddie Floyd Barn Yarns

Joseph Holsworth What Deepest Remains Beachy Orr Along the Rocky Shores

The Evolution of an Artist Series Pan Pantoja: The Dog Hears Something Poetry‐Nov 15th

Chokin’ Death

Oliver X

Monsters

No Salvaging from the Pit

….and 13 more

Mark Shaff Force One: Doubling the Penny Floyd Sneed In Black & White: The Story of Floyd Sneed

280 Greg Street, Suite 10, Reno, NV 89502

Through 2016, Marketplace rates remained well below ini al projec ons from the independent Congressional Budget Office, and well below ‐ PDF the cost of comparable coverage in the employer market. Na onwide, average Marketplace premiums for 2017 are increasing more than they have in the past two years. Even with these adjustments, premiums remain roughly in line with projec ons issued by the Congressional Budget Office during the debate over the Affordable Care Act (ACA).

Adjustments this year reflect issuers bringing their rates in line with observed costs, now that two years of data are available. In addi on, some of the ACA’s programs designed to support the new market in its early years are ending this year, pu ng addi onal one‐ me pressure on premium growth. Issuers are con nuing to adapt to a new market that looks very different than it did before the ACA: one where they compete based on price and quality, rather than by finding the healthiest customers. Efforts to undermine the ACA, such as certain states’ decisions not to expand Medicaid and Congressional ac ons to block funding for the law, contribute to higher premiums as well. And some states have long faced unique challenges in reining in health care costs.

For the median HealthCare.gov consumer, the benchmark second‐lowest silver plan premium is increasing by 16 percent this year, before taking into account the effects of financial assistance; that is, half of HealthCare.gov consumers are seeing increases less than, and half greater than, 16 percent. But experiences across states vary widely. For example, in Arkansas, Indiana, Michigan, Nevada, New Hampshire, New Jersey, North Dakota, and Ohio, as well as in California and Massachuse s (which do not use the HealthCare.gov pla orm), benchmark premiums are rising by 7 percent or less. In most of these states, Marketplaces are also strongly compe ve, and several have seen issuers expanding their service areas, as with Molina in Ohio or Humana in Michigan. These examples illustrate that there are parts of the country where Marketplaces are already maturing, reaching stable price points, and enjoying robust compe on.

Conversely, some states are experiencing high benchmark premium growth, resul ng in a HealthCare.gov average higher than the median increase. A number of the states in this group, including Arizona, Hawaii, Illinois, Kansas, and Pennsylvania, are places where 2016 rates were especially far below the na onal average or especially far below the cost of comparable coverage in the employer market.

Fortunately, financial assistance and the ability to shop around for coverage protect most consumers across the country from headline rate increases. “Before the ACA, many consumers were unable to get health coverage at all, and the individual market offered no easy way to shop and compare plans,” said Kevin Counihan, CEO of the Health Insurance Marketplace. “Because of the Marketplace, consumers can shop around to find coverage that fits their needs and get tax credits to help pay for it. Thanks to shopping and financial assistance, consumers will con nue to have robust op ons for quality, affordable coverage for 2017, even in places where premium increases are high.”

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named War, Pes lence, Death, and which other name?

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Could Drive Further Progress

The Marketplace is one of many ways the ACA con nues to improve health care affordability, access, and quality.

Affordability. The latest available data show employer premiums are con nuing to rise at the low rates observed since the ACA was enacted. This year, the average family premium for the more than 150 million Americans with employer coverage is $3,600 lower than it would be if pre‐ACA premium growth had con nued.

Access. More than 20 million American adults have gained coverage as a result of provisions of the Affordable Care Act. In addi on, more than 3 million children have gained coverage since 2008, thanks in large part to the ACA and improvements to the Children’s Health Insurance Program.

Quality. For those who already had coverage, the ACA provided new protec ons, including guaranteed limits on out‐of‐pocket costs, no limits on annual or life me coverage, and preven ve services without cost sharing. The ACA is also strengthening health care quality, with large drops in pa ent harms and preventable hospital readmissions for Medicare beneficiaries.

“Our na on has made historic progress under the ACA, and now we want to build on that progress to further improve affordability, access, and quality,” said Secretary Burwell.

The President has taken a number of steps to improve the ACA, and thinks we can do even more, such as: expanding Medicaid in states that have declined to do so; providing more tax credits for middle‐income families and young adults to further improve affordability; adding a public plan fallback to give people more op ons in places where there s ll are just not enough insurers to compete; and suppor ng innova on by states.

But this Open Enrollment, we are focused on ge ng as many uninsured people covered as we can.

Open Enrollment, which starts November 1 and ends on January 31, 2017, provides another opportunity for Americans to find affordable coverage for them and their families. Learn more on HealthCare.gov.

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