ACA Made Easy: Individual Shared Responsibility
Affordable Care Act / Healthcare / Social Insurance Programs

ACA Made Easy: Individual Shared Responsibility

Since the Individual Mandate statute of the Affordable Care Act was enacted in January 2014, every American is accountable for an Individual Shared Responsibility* payment every year. Meaning, if you do not have health insurance, you will face penalties. While you may not see an actual summons, or pay a fine, the federal government enforces … Continue reading

Attn Class of 2015: Don’t Be Fooled by Low Unemployment Numbers
America / Economy / Labor Force

Attn Class of 2015: Don’t Be Fooled by Low Unemployment Numbers

It’s graduation season! And according to sources from both the White House and the Fed, the current unemployment rate of only 5.5 percent signals a wealth of opportunity for grads.   Furthermore, the unemployment rate has been consistently declining.  This means that all of us in Class of 2015 should breathe easy; the time has come … Continue reading

Special Needs Families and the Affordable Care Act
Affordable Care Act / Economy / Education

Special Needs Families and the Affordable Care Act

The Federal Government’s role as a safety net for the vulnerable has been growing steadily since the passage of the New Deal in the wake of the Great Depression, when President Roosevelt introduced such novel concepts as Social Security. Follow-up legislation in the 1960s established Medicare, which continues to help senior citizens remain independent as … Continue reading

Employer Wellness Programs: ADA and ACA
Affordable Care Act / Healthcare / Politics

Employer Wellness Programs: ADA and ACA

The rising cost of health benefits and prevalence of chronic diseases has increased the significance of employer wellness programs. These programs encourage healthier lifestyles and may help reduce health care costs, with numerous large firms suggesting that the programs save the average employer $3.27 for every dollar spent on them. The Senate Health, Education, Labor, and Pensions … Continue reading

The Affordable Care Act Aims High for Fiscal Irresponsibility
Affordable Care Act / Debt / Medicaid Expansion

The Affordable Care Act Aims High for Fiscal Irresponsibility

In budgetary terms, the Affordable Care Act (ACA) is anything but affordable. Though well-intentioned, it expands a poorly designed program and adds significant spending during a time of slow economic growth. This attempt to improve and expand health coverage to uninsured Americans is unduly expensive. In an already strained fiscal climate where the federal budget has reached … Continue reading