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1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270 www.kff.org | Email Alerts. Kff.org/email | facebook.com/KaiserFamilyFoundation | twitter.com/kff Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.President Trump and Democratic nominee Joe Biden hold cheap cipro widely divergent views on health issues, with the president’s record and response to the coronavirus pandemic likely to play a central role in November’s elections.A new KFF side-by-side comparison examines President Trump’s record and former Vice President Biden’s positions across a wide range of key health issues, including the response to the pandemic, the Affordable Care Act marketplace, Medicaid, Medicare, drug prices, reproductive health, HIV, mental health and opioids, immigration and health coverage, and health costs.The resource provides a concise overview of the candidates’ positions on a range of health policy issues. While the Biden campaign has put forward many specific proposals, the Trump campaign has offered few new proposals for addressing health care in a second term and is instead running on his record in office.It is part of KFF’s ongoing cheap cipro efforts to provide useful information related to the health policy issues relevant for the 2020 elections, including policy analysis, polling, and journalism.

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Over 12,000 home cheap cipro health agencies served 5 million disabled and older Americans in 2018. Home health aides help their clients with the tasks of daily living, like eating and showering, as well as with clinical tasks, like taking blood pressure and leading physical therapy exercises. Medicare relies on home health care services because they help patients discharged from the hospital and skilled nursing facilities recover but at a much lower cheap cipro cost. Together, Medicare and Medicaid make up 76% of all home health spending.Home health care workers serve a particularly important role in rural areas. As rural cheap cipro areas lose physicians and hospitals, home health agencies often replace primary care providers.

The average age of residents living in rural counties is seven years older than in urban counties, and this gap is growing. The need for home health agencies serving the elderly in rural areas will continue to grow over the coming decades.Rural home health agencies face unique challenges. Low concentrations of people are dispersed over large geographic areas leading to long travel times for workers to drive to clients’ homes cheap cipro. Agencies in rural areas also have difficulties recruiting and maintaining a workforce. Due to cheap cipro these difficulties, agencies may not be able to serve all rural beneficiaries, initiate care on time, or deliver all covered services.Congress has supported measures to encourage home health agencies to work in rural areas since the 1980s by using rural add-on payments.

A rural add-on is a percentage increase on top of per visit and episode-of-care payments. When a cheap cipro home health aide works in a rural county, Medicare pays their home health agency a standard fee plus a rural add-on. With a 5% add-on, Medicare would pay $67.78 for an aide home visit in a city and $71.17 for the same care in a rural area.Home health care workers serve a particularly important role in rural areas. As rural areas lose physicians and hospitals, home health agencies often replace primary care providers.Rural add-on payments have fluctuated based on Congressional budgets and political priorities. From 2003 to 2019, the amount Medicare paid agencies changed eight cheap cipro times.

For instance, the add-on dropped from 10% to nothing in April 2003. Then, in April 2004, Congress set the rural add-on to 5%.The variation in payments created a natural experiment cheap cipro for researchers. Tracy Mroz and colleagues assessed how rural add-ons affected the supply of home health agencies in rural areas. They asked if the number of agencies in urban and rural counties varied depending on the presence and dollar amount of rural add-ons between 2002 and 2018. Though rural add-ons have been in place for over 30 years, researchers had not previously investigated cheap cipro their effect on the availability of home healthcare.The researchers found that rural areas adjacent to urban areas were not affected by rural add-ons.

They had similar supply to urban areas whether or not add-ons were in place. In contrast, isolated rural areas were cheap cipro affected substantially by add-ons. Without add-ons, the number of agencies in isolated rural areas lagged behind those in urban areas. When the add-ons were at least 5%, the availability of home health in isolated rural areas was comparable to urban areas.In 2020, Congress implemented a system of payment reform that reimburses home health agencies in rural counties by population density and home cheap cipro health use. Under the new system, counties with low population densities and low home health use will receive the greatest rural add-on payments.

These payments aim to increase and maintain the availability of care in the most vulnerable rural home health markets. Time will tell if this approach gives sufficient incentive cheap cipro to ensure access to quality care in the nation’s most isolated areas.Photo via Getty ImagesStart Preamble Correction In proposed rule document 2020-13792 beginning on page 39408 in the issue of Tuesday, June 30, 2020, make the following correction. On page 39408, in the first column, in the DATES section, “August 31, 2020” should read “August 24, 2020”. End Preamble [FR cheap cipro Doc. C1-2020-13792 Filed 7-17-20.

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In this edition Welcome back how to order cipro online to The cipro online canadian pharmacy Scoop!. Open enrollment for individual (non-group) health insurance plans is how to order cipro online just around the corner, and will be underway nationwide as of November 1. For those interested in open enrollment and individual-market coverage, there’s plenty of encouraging news this week regarding open enrollment extensions, new state enrollment platforms, the availability of plan browsing, and new insurers joining many states’ marketplaces.If you’ve got questions about open enrollment, check out our comprehensive 2021 Open Enrollment Guide, which addresses all aspects of the OEP that starts November 1. (And although this site is all about individual market health coverage, you can also check out our guide how to order cipro online to the Medicare open enrollment period – which starts today.)There’s a lot of news to cover. Let’s get started!.

Eleven state-run exchanges extend open enrollment periods for 2021 coverageAlthough open enrollment is still a few weeks away, more than two-thirds of the fully state-run exchanges have already committed to extended open enrollment periods during which people can enroll how to order cipro online in 2021 health coverage. Some of these are permanent extensions, while others only apply to the upcoming open enrollment period:Minnesota. November 1 to December 22, how to order cipro online 2020.Colorado. November 1 to January 15, 2021Nevada. November 1, how to order cipro online 2020, to January 15, 2021.Pennsylvania.

November 1, 2020, to January 15, 2021.Washington. November 1, 2020, to January how to order cipro online 15, 2021.Massachusetts. November 1, 2020, to January 23, 2021.Rhode Island. November 1, 2020, to January 23, 2021.California how to order cipro online. November 1 to January 31, 2021.District of Columbia.

November 1 to how to order cipro online January 31, 2021.New Jersey. November 1, 2020, to January 31, 2021.New York. November 1, 2020, to January 31, 2021.The other state-run exchanges are Connecticut, Idaho, Maryland, how to order cipro online and Vermont. They all have the option to use the standard November 1 – December 15 enrollment window or issue an extension. And although they’ve currently all scheduled open enrollment to end on December 15, it’s possible that we could see additional extensions as the year goes on.Two states move to state-run exchange platforms this fallMost how to order cipro online states in the U.S.

Use the federally run HealthCare.gov platform for individual and family health coverage enrollment. But there were already 13 fully state-run exchange platforms as of this year, and two more have joined them for the upcoming open enrollment season and future plan years.Residents in Pennsylvania will use Pennie to sign up for coverage this fall, how to order cipro online and New Jersey residents will use GetCoveredNJ. (In previous years, residents in both states used HealthCare.gov.) Window shopping for 2021 health plans available in DC and eight statesIn states that use HealthCare.gov and most of the state-run exchanges, window shopping for 2021 coverage will be enabled by late October. But plan browsing is how to order cipro online currently available on some state-run exchange websites. Residents in California, DC, Idaho, Maryland, Minnesota, Nevada, New Jersey, New York, and Vermont can already see the available plans and pricing for 2021.

And in California, current enrollees can even renew their coverage now, without having to wait for the official start of open enrollment.Mostly how to order cipro online modest rate changes for 2021. Increases in some states, decreases in othersFor the last several months, we’ve been tracking proposed premiums for individual-market health insurance across the country. The rate review process how to order cipro online has been finalized and approved rate changes made public in many states. As he does each year, Charles Gaba is tracking the proposed and approved rate changes in an at-a-glance spreadsheet. Thus far, the average approved rate change stands at an increase of just under half a how to order cipro online percent.

Although that’s not yet a complete picture, it is indicative of a fourth consecutive year of fairly stable rates in the individual market, with prices in many areas of the country fairly similar in 2021 to what they were in 2018.We’ve got detailed overviews of numerous states’ approved rate changes for 2021, including some states where overall average rates are increasing. (See Florida, Idaho, Massachusetts, how to order cipro online Nevada, New York, and Rhode Island) In other state, overall average rates are actually decreasing. (See Colorado, Delaware, Hawaii, Iowa, Maine, Maryland, and Washington.)For 2021, Pennsylvania and New Hampshire are joining a dozen other states that have reinsurance programs, and average premiums are expected to decrease in both states as a result of the new reinsurance programs.Insurers join marketplaces or expand coverage areas in more than 20 statesIn many states across the country, new insurers are joining the exchanges for 2021, and existing insurers are expanding their coverage areas within the how to order cipro online states where they offer coverage. We’re seeing this in numerous states, including Arkansas, California, Colorado, Florida, Illinois, Idaho, Indiana, Iowa, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, Tennessee, Texas, Utah, Virginia, and Washington.There are a few states where existing insurers will no longer offer plans in the marketplace after 2020. New Mexico Health Connections will shut down at the end of 2020, Virginia Premier is leaving the individual market, and Highmark Choice Company is leaving Pennsylvania’s market (but several other Highmark affiliates will remain, and Highmark Choice Company had very how to order cipro online low enrollment).But overall, the trend is overwhelmingly towards increasing insurer participation and expanding coverage areas.

This is the same trend we saw for 2019 and 2020. And it’s a reversal of the trend we saw in 2017 and 2018, when insurers were fleeing the exchanges and the individual market.Wisconsin asks Trump administration to extend open enrollmentLate last month, numerous Wisconsin stakeholders — including the insurance commissioner, the Department how to order cipro online of Health Services, numerous health insurance companies, and consumer advocates — sent a letter to the Trump administration, asking for an extension of the upcoming open enrollment period through the end of January, instead of having it end on December 15.Wisconsin uses the federally run marketplace (HealthCare.gov), so the state does not have the option of extending open enrollment itself, the way several of the state-based exchanges have done. The letter points out how an extended open enrollment period would give the state more time to help people affected by the pandemic who need to select an individual market health plan for 2021.An extension would also give those individuals – many of whom are not accustomed to buying their own health insurance – more time to carefully consider their options. The letter concludes by pointedly noting that along with those practical benefits, “an extension would signal that the federal government understands the plight how to order cipro online of the newly uninsured, values their welfare and is prepared to do all in its power to protect our health system and economy.”Nearly two years after voters approved it, Medicaid expansion is in effect in NebraskaIn November 2018, voters in Nebraska approved a Medicaid expansion ballot measure. After an implementation process that lasted nearly two years, Medicaid expansion took effect this month in Nebraska.

Nebraska residents were able to start enrolling in expanded Medicaid in August, but enrollment will continue year-round for eligible residents.Now that Nebraska has expanded coverage, there are only 14 states that still have not accepted federal funding to expand Medicaid, and two of them how to order cipro online (Oklahoma and Missouri) will expand coverage by mid-2021 under the terms of ballot measures approved by voters this past summer.CMS report. Unsubsidized individual market enrollment declined 45% from 2016 to 2019The Centers for Medicare and Medicaid Services published a new enrollment trends report last week, with data updated to include the 2019 plan year. The CMS totals are based on risk adjustment data, but they do not include enrollments in Massachusetts and Vermont, since both states have merged individual and small group markets for risk adjustment.Enrollment in the health insurance marketplaces/exchanges has remained fairly steady over the last few years, due mainly to the premium subsidies that keep coverage affordable how to order cipro online for most exchange enrollees. But enrollment has declined sharply among people who don’t receive premium subsidies – which includes everyone who enrolls outside the exchange, as well as about 15 percent of on-exchange enrollees. Across 48 states and Washington, DC, total unsubsidized enrollment in ACA-compliant individual market plans has dropped from 6.3 million in 2016 to how to order cipro online 3.4 million in 2019.KFF employer survey.

Average cost of family premiums now exceeds $21,000The Kaiser Family Foundation’s annual employer health insurance survey report was published last week. As usual, it contains a wealth of information about how to order cipro online the current state of employer-sponsored health insurance in the United States. Among the interesting data points:67 percent of employees with employer-sponsored health coverage are enrolled in self-insured health plans. This is up from 61 percent last year (state health insurance regulations do not apply to self-insured plans, as they are instead regulated at the federal level).The average cost of how to order cipro online employer-sponsored family health coverage has grown to $21,342 in annual premiums this year, up from $20,576 last year. The uninsured rate continues to rise, and is rising particularly fast among childrenLast month, the U.S.

Census Bureau published its how to order cipro online annual health insurance report, with data about health coverage during 2019. About 8 percent of the population had no health coverage at all during 2019, and about 9.2 percent had no health coverage at the time they were surveyed. This is an increase from 8.9 percent in 2018, but it’s also the continuation of a steady upward how to order cipro online trend in the uninsured rate since the Trump administration took office. It had been 8.7 percent in 2017 and 8.6 percent in 2016. The uninsured rate is still well below how to order cipro online where it was prior to the ACA.

15.5 percent of the population was uninsured as of 2010.In addition to the continued increase in the overall uninsured rate in recent years, Georgetown University’s Health Policy Institute published a sobering report last week, indicating that the uninsured rate among children in the U.S. Increased more in 2019 than it had in any other year over the last decade how to order cipro online. In 2016, just 4.7 percent of children in the U.S. Were uninsured, how to order cipro online which was a historic low. But by 2019, it had increased to 5.7 percent.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

She has written dozens how to order cipro online of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Minnesota marketplace highlights and updatesOpen enrollment for 2021 health plans. November 1, how to order cipro online 2020 through December 22, 2020. Residents with qualifying events can still enroll or make changes to their 2020 coverage.Insurers implementing modest rate increases for 2021, after three straight years of average rate decreases how to order cipro online. Quartz has joined the exchange for 2021, bringing total number of insurers to five.117,520 people enrolled for 2020, a new record for MNsure.Insurer participation in MNsure.

2014 to 2021.Reinsurance program received federal approval, began operation in 2018.With reinsurance, how to order cipro online rates decreased for 2018 and again, even more significantly, for 2019. But reinsurance also reduced funding for MinnesotaCare.The elimination of CSR funding further reduced MinnesotaCare funding, but this has been partly restored by a court ruling.MN provided premium relief for non-subsidy-eligible enrollees for 2017 only.Governor vetoed a proposed 2019 switch to HealthCare.gov.MNsure’s small business exchange no longer has any participating insurers.Minnesota health exchange overviewMinnesota’s one of the states fighting the hardest to preserve the Affordable Care Act’s gains. See actions Minnesota has how to order cipro online taken.Minnesota’s state-run exchange, MNsure, has five participating insurers for 2021, up from four in 2020. The exchange has more than 117,000 individual market enrollees as of 2020.As a result of the COVID-19 pandemic, MNsure joined most of the other state-run exchanges in offering a special enrollment period during which people who were uninsured could enroll in a health plan. MNsure’s special enrollment period began how to order cipro online March 23, and continued through April 21.

Nearly 9,500 Minnesota residents enrolled in private plans through MNsure during this window, as well as another 13,700 who enrolled in MinnesotaCare or Medicaid (enrollment in those programs is open year-round for eligible residents).Allison O’Toole, who led MNsure as CEO for three years, announced her resignation in March 2018, and the exchange named Nate Clark, the MNsure COO, as acting CEO. A few months later, the MNsure board named Clark as the how to order cipro online permanent CEO. O’Toole left MNsure to work as director of state affairs for United States of Care, a non-profit created by Andy Slavitt, who was the acting administrator of CMS under the Obama Administration.Throughout 2017, Minnesotans who bought their own health insurance (on or off-exchange) and weren’t eligible for ACA subsidies were provided with 25 percent premium rebates from the state as a result of S.F.1, signed into law by Governor Dayton in early 2017. The subsidies helped to offset the large how to order cipro online premium increases that applied in Minnesota in 2017, and helped to stabilize the individual health insurance market in 2017. But the premium rebate program expired at the end of 2017.Thanks in large part to the new reinsurance program that Minnesota created (details below), premiums decreased in Minnesota’s individual market in 2018, 2019, and again in 2020, although rates are increasing modestly for 2021.

In May 2019, Minnesota leaders reached an agreement on a budget that included an extension of the reinsurance program through 2020 and 2021 (it has already been granted federal approval how to order cipro online through the end of 2022, but the state has to continue to cover its share of the cost. Minnesota Governor Tim Walz had hoped to implement a premium subsidy program and a new tax credit in Minnesota starting in 2020. But a compromise in the budget ended up with the state opting to continue the existing reinsurance program for two more years instead.).But the waiver that provides federal pass-through funding for reinsurance also resulted in a sharp and unexpected decrease in federal funding for MinnesotaCare, the Basic Health Program that provides coverage for people with income between 138 percent and 200 percent of the poverty level how to order cipro online (between $16,642 and $24,120 for a single person).In addition, the elimination of federal funding for cost-sharing reductions (CSR) in October 2018 resulted in a funding cut for MinnesotaCare, since the program is funded in large part by federal funds that would otherwise have been used to pay for premium subsidies and cost-sharing reductions in the exchange for the population that is instead eligible for MinnesotaCare. After an ensuing legal battle, a judge ordered HHS to restore funding for MinnesotaCare, although a resolution of the situation is ongoing, and the amount that HHS agreed to pay was still less than MinnesotaCare would have received if CSR funding had continued.Open enrollment for 2021 health plans extended through December 22, 2020. Insurers implementing modest rate increases how to order cipro online for 2021, after three years of overall rate decreasesMNsure enabled window shopping for 2021 health plans as of October 12, 2020.

This gives residents a few weeks to browse the available plans before open enrollment starts on November 1, 2020. And MNsure how to order cipro online has announced that open enrollment will continue through December 22, 2020. That’s a week longer than the open enrollment period that will apply in states that use the federally-run exchange. The flexibility how to order cipro online to extend open enrollment is often cited as one of the benefits of having a fully state-run exchange. (MNsure had a similar extension last December, for 2020 health plans).For 2021, Quartz is joining the Minnesota marketplace.

Quartz currently offers plans in Illinois and Wisconsin, and is expanding into Minnesota for how to order cipro online 2021. And two of the existing insurers — HealthPartners and UCare — are expanding their coverage areas for 2021 (BluePlus and Medica offer coverage statewide, and will continue to do so in 2021).The following average rate changes have been approved for MNsure’s insurers:Blue Plus. 4.21 percent increase (down from an initially how to order cipro online proposed 7.12 percent increase)Group Health/Health Partners (GHI). 0.67 percent increase (down from an initially proposed 4.15 percent increase)Medica. 2.42 percent increase (down from how to order cipro online an initially proposed 7.06 percent increase)UCare.

1.6 percent increase (up from an initially proposed 1.39 percent decrease)Quartz. New for 2021, so no applicable rate changePreferredOne Insurance Company, how to order cipro online which offers plans outside the exchange, is increasing premiums by 1.05 percent (down from an initially proposed average increase of 5.09 percent). Rate changes in previous years2015. Average increase how to order cipro online of 4.5 percent. MNsure critics characterized the official announcement as misleading as it failed to take into how to order cipro online account low-cost 2014 plans from PreferredOne.

Consumers who bought a PreferredOne plan through MNsure for 2014 could only renew their policies for 2015 by working directly with the insurer, since PreferredOne stopped offering plans in the exchange at the end of 2014. However, PreferredOne rates went how to order cipro online up an average of 63 percent, and consumers didn’t qualify for subsidies if they shopped outside the exchange. 2016. Average increase how to order cipro online of 41.4 percent for the individual market, and about 38.5 for plans sold in MNsure (ie, not counting PreferredOne). Rates increased significantly in 2016 across the entire individual market in Minnesota — including plans sold through MNsure, the state-run exchange.Approved rates for 2016 were announced on October 1, 2015, ranging from about 15 percent for Medica to 49 percent for Blue Cross Blue Shield of Minnesota.

In general, the carriers cited higher-than-expected claims costs over how to order cipro online the past year, along with the impending phase-out of the ACA’s reinsurance program as justification for their 2016 rate requests. But Governor Mark Dayton called some of the higher proposed increases “outrageous,” and promised a rigorous review of the filed rate changes and justifications. Ultimately, regulators were able to limit the highest rate increases to 49 percent — as opposed to the 54 percent that had been requested by Blue Plus and BCBS of MN — but the final weighted average rate increase in the individual market how to order cipro online in Minnesota still ended up being the highest in the nation. But Minnesota still had the lowest overall premiums in the upper midwest (although Minnesota had the highest average rate increase in the country for 2016, they had the lowest overall rates in the country in 2014 and 2015).Minnesota Commerce Commissioner Mike Rothman called the rate increases “unacceptably high,” and Gov. Dayton noted that how to order cipro online he was “extremely unhappy” with the rate changes.

But Rothman noted that his office “objected to all of the rates across the board,” and “squeezed out everything we could that was not actuarial justified.” In other words, the final rates, although much higher than officials and policyholders would have liked, were justified based on medical claims costs — the population enrolled in individual health plans in Minnesota was sicker than expected, and drug costs had been particularly onerous.Only about 55 percent of people who had 2015 coverage through MNsure received premium subsidies. But due to the sharp premium increases, that had increased to about 63 percent for the people who had purchased how to order cipro online or renewed coverage as of June 2016.2017. When the Minnesota Department of Commerce announced health insurance rates for 2017 for the individual and small group markets, the rate hikes were somewhat reasonable in the small group market (ranging from a decrease of 1 percent to an increase of 17.8 percent), but the individual market was “experiencing serious disruptions in 2017” and “on the verge of collapse.” The four carriers that offered plans through MNsure had the following average rate increases in 2017:Blue Plus = 55 percentHealthPartners/Group Health (GHI) = 50 percent (HealthPartners is only offering plans in 10 of the 67 counties where they offered plans in 2016. Their enrollment cap is 72,000 for 2017)Medica = 57.5 percent (enrollment cap is 50,000 for 2017)UCare = 66.8 percent (UCare capped enrollment at 30,000 for 2017, but only had 16,000 enrollees in 2016)The enrollment caps that HealthPartners, Medica, and UCare employed for 2017 were approved as part of the rate review process, and are designed to protect carriers from further financial losses as how to order cipro online they absorb BCBSMN’s enrollees who are shopping for new coverage during open enrollment.In a news release relating to the rate announcement for 2017, the Minnesota Department of Commerce didn’t mince words. They noted that the individual market in the state was on the brink of collapse, and that they did everything in their power to save the market.

While they succeeded in keeping the state’s individual market viable for 2017, with only one carrier exiting (BCBSMN, although how to order cipro online their HMO affiliate, Blue Plus, remained in the exchange), they reiterated very clearly that substantial reforms would be needed to keep the market stable in future years, and highlighted the fact that rates would be sharply higher and that carriers would limit enrollment in 2017.2018. Final rates for 2018 were approved in October 2017 (comprehensive information about the approved rates is here), based on the Minnesota Premium Security Plan (MSPS) being implemented but cost-sharing reductions (CSR) not being funded by the federal government (the cost of CSRs was added to on-exchange Silver plans). Average approved rate changes for MNsure insurers ranged from a 13.3 percent decrease for UCare to a how to order cipro online 2.8 percent increase for Blue Plus. Three of the four MNsure insurers decreased their average premiums for 2018.On September 21, MNsure had posted a notice indicating that if the reinsurance program were not approved, rates would be about 20 percent higher than they would otherwise be in 2018. Fortunately for Minnesota residents, the reinsurance program did receive federal approval, and average rates declined slightly for 2018.But some how to order cipro online enrollees who don’t get ACA premium subsidies still experienced a rate increase, due to the termination of the one-year, state-funded 25 percent premium rebates at the end of 2017.PreferredOne, which exited MNsure at the end of 2014 and only offers coverage in the off-exchange market, proposed dramatically lower rates for 2018.

A 38 percent average decrease if MSPS were to be approved, and a 23 percent average decrease if not. The 38 percent decrease was implemented, and no adjustments were necessary to account for CSR funding, since PreferredOne does how to order cipro online not offer plans in the exchange, and CSRs are only available on silver exchange plans.2019. Average premium decrease of 12.4 percent. Average premiums dropped for all five insurers in the individual market in 2019 how to order cipro online. This was the second year in a row of declining rates in Minnesota, but Blue Plus had a small rate increase for 2018, so 2019 was the first year that all five insurers decreased their average rates.

Minnesota insurance regulators noted that rates in 2019 were about 20 percent lower than they would have been without the reinsurance program.But most of Minnesota’s insurers charged higher rates in how to order cipro online 2019 than they would have if the individual mandate penalty hadn’t been eliminated, and if access to short-term plans and association health plans hadn’t been expanded by the Trump administration. For example, UCare’s rate filing notes that while average rates were decreasing by about 10 percent, the rate decrease would have been nearly 15 percent if the individual mandate penalty had remained in place.At ACA Signups, Charles Gaba calculated a weighted average rate decrease of 12.4 percent for 2019 in Minnesota, but noted that the average decrease would have been nearly 19 percent without those changes at the federal level.2020. Average premium decrease of 1 how to order cipro online percent. Four of the five insurers (including PreferredOne, which only offers coverage off-exchange) in Minnesota’s individual market decreased their average premiums for 2020. This was the third year in a row that average individual market premiums dropped in Minnesota’s individual market, due in large part to the reinsurance program that the state has established.The following average rate changes were implemented for 2020:Blue how to order cipro online Plus.

1.5 percent decrease (Blue Plus had originally proposed a 4.8 percent increase)Group Health/Health Partners (GHI) how to order cipro online. 1.26 percent decrease (GHI had originally proposed a 2.1 percent increase)Medica. 1.01 percent decrease (Medica had originally proposed an average decrease of 1.4 percent)UCare how to order cipro online. 0.18 percent increase (UCare originally proposed a 0.3 percent increase)PreferredOne, which only offers off-exchange coverage, reduced their rates by an average of 20 percent, on the heels of an 11 percent decrease in 2019. MNsure enrollment exceeded 116k in 2018, dropped to 113k for 2019, but how to order cipro online grew to more than 1117k in 2020From 2014 through 2018, enrollment in MNsure’s individual market plans increased every year, reaching 116,358 people by 2018.

That was the highest open enrollment total in MNsure’s history, despite the shorter enrollment period, which ended in mid-January instead of the end of January (open enrollment for 2018 coverage ended on December 15, 2017 in states that use HealthCare.gov, but MNsure opted to extend their enrollment window that year, and have also extended subsequent enrollment windows).Enrollment dropped for the first time in 2019, when 113,552 people enrolled in individual market plans through MNsure. In most states that use HealthCare.gov, enrollment peaked in 2016 and has been dropping how to order cipro online since then. But MNsure’s drop-off in 2019, which amounted to only a 2.4 percent reduction in enrollment, is the only time year-over-year enrollment has declined. Notably, the ACA’s individual mandate penalty was eliminated as of 2019, and regulations that the Trump administration implemented in how to order cipro online late 2018 now make it more feasible for healthy people to use short-term plans instead of ACA-compliant plans (Minnesota has its own rules for short-term plans, but they’re more relaxed than the Obama-era federal rules that applied in 2017 and most of 2018).And for 2020, enrollment grew again, reaching a record high of 117,520 enrollees.Here’s a look at the number of people who have signed up for individual market plans through MNsure during each year’s open enrollment period. These numbers all represent total enrollment at the end of open enrollment.

Effectuated enrollment is always lower, and MNsure provides periodic effectuated enrollment data on their board meeting materials how to order cipro online page. Insurer participation in MNsure. 2014-20212014. Five insurers offered individual policies through MNsure for 2014. Blue Cross Blue Shield of Minnesota, HealthPartners/Group Health, Medica, PreferredOne, and UCare.

Kaiser Health look at this web-site News reported that Minnesota offered some of the lowest premiums for silver (mid-level) plans in the U.S. Four of Minnesota’s nine regions made Kaiser’s list of the 10 least expensive places to buy health insurance.2015. But PreferredOne, which offered the lowest rates in the nation in 2014 and captured a large portion of 2014 enrollees, withdrew from MNsure for 2015. PreferredOne said remaining on the exchange was “not administratively and financially sustainable.” A Star Tribune business writer attributed PreferredOne’s departure as a market dynamics issue rather than a problem with MNsure.However, Blue Plus (an affiliate of Blue Cross Blue Shield of MN, offering HMO plans) joined the exchange for 2015, so there were still five insurers offering plans for 2015. Blue Cross Blue Shield of Minnesota, Blue Plus, Health Partners/Group Health, Medica, and UCare.

MNsure offered 84 plans statewide, up from 78 for 2014.2016. BCBSMN, Blue Plus, Health Partners/Group Health, Medica, and UCare offered individual market plans through MNsure for 2016.2017. In an effort to recruit more carriers to offer plans through MNsure for 2017 — particularly outside the Twin Cities metro area — state regulators sent out a request for proposals from health insurers on August 15, 2016. Regulators noted that insurers could propose waivers of regulations in order to make it feasible for them to offer coverage through MNsure, although any such waiver requests would have to be approved by regulators.Steven Parente, a health insurance expert at the University of Minnesota, called the state’s effort to recruit insurers to MNsure a “distress call” and noted that August 15 is awfully late in the year to be putting out a request for insurer participation, given that open enrollment begins November 1. And ultimately, no new insurers opted to join MNsure for 2017.Blue Cross Blue Shield of MN dropped their individual market PPO plans at the end of 2016 due to significant financial losses.

That left Blue Plus (which offered HMOs and covered roughly 13,000 people in 2016 in the individual market) as the only BCBSMN affiliate in the exchange. Roughly 103,000 people had to select new plans during open enrollment.Most of those BCBSMN enrollees had off-exchange coverage, though. There were only about 20,400 MNsure enrollees (a little more than one in five MNsure enrollees) with coverage under BCBSMN who needed to switch to another plan during open enrollment. BCBSMN had individual PPO options available in all 87 counties in Minnesota through MNsure in 2016, while the Blue Plus coverage area — comprised of four separate HMO networks — was available in 77 of the state’s counties.Nationwide, carriers have been shifting away from PPOs and towards HMOs and EPOs. In Colorado, Anthem Blue Cross Blue Shield also dropped their PPOs at the end of 2016.

In Indiana, there were no PPOs available in the individual market by 2017. Blue Cross Blue Shield of New Mexico dropped all of their individual market plans at the end of 2015 except one off-exchange HMO. Blue Cross Blue Shield of Texas dropped their individual market PPO plans at the end of 2015.The broad network offered by PPOs tends to be attractive to enrollees who have health problems. They’re often willing to pay higher premiums in trade for access to broad network of hospitals and specialists. But PPOs are expensive for carriers, as enrollees don’t need primary care referrals to see specialists, and it’s more challenging for carriers to hold down costs when there are more providers in the network.All of the MNsure carriers except Blue Plus are also limiting their total enrollment for 2017.

By November 11, 2016, less than two weeks into open enrollment for 2017 coverage, Medica had hit their 50,000 member enrollment cap for 2017 (including on and off-exchange enrollments, and also accounting for expected renewals of 2016 Medica plans), and their policies were no longer available in the individual market in Minnesota, on or off-exchange. The only exception was five counties (Benton, Crow Wing, Mille Lacs, Morrison, and Stearns) where Medica agreed not to limit enrollment, as all of the other available carriers in those counties have imposed enrollment caps too. In those five counties, Medica plans continued to be available.At that point, Medica’s market share in MNsure for 2017 stood at 34.2 percent. By December 14, Medica’s market share had dropped to 27.7 percent, as enrollments had continued to climb for the remaining carriers.On January 31, Medica re-opened enrollment for 2017. This was because a smaller-than-expected number of 2016 Medica enrollees renewed their plans for 2017, meaning that the carrier still had some wiggle room under their 50,000 member cap.

At that point, they had room for about 7,000 more enrollees. Medica plans were thus available throughout the duration of the special enrollment period that was added on at the end of open enrollment, and continue to be available for people with qualifying events.2018. Plans continued to be available from Blue Plus, Health Partners/Group Health (GHI), Medica, UCare. In the months before a decision was reached regarding an extension of the open enrollment window for 2018 plans (the first year that the federal government imposed a shorter, month-and-a-half enrollment window), two of MNsure’s participating insurers had differing positions. UCare believed the exchange should add an additional two-week special enrollment period, while Medica did not want the exchange to have the option to extend the newly-scheduled six-week enrollment window.

Notably, Medica capped their enrollment very early during the 2017 open enrollment period, and while UCare also had an enrollment cap, it was set with a target of nearly doubling their 2016 enrollment. But Medica is the only MNsure insurer that didn’t set an enrollment cap for 2018.As was the case for 2017, enrollment caps were used in the individual market in Minnesota for 2018 by all insurers other than Medica (Medica did have an enrollment cap for 2017, which they hit very early in open enrollment. However, they resumed enrollments at the end of January 2017). Details about the insurers’ enrollment caps are in the plan binders in SERFF. For 2018, MNsure insurers implemented the following enrollment caps:Blue Plus.

55,000 member cap (aiming for a target of 50,000 effectuated enrollees, but effectuated enrollment is always lower than the number of people who initially enroll)Health Partners/Group Health (GHI). 73,400 member cap (aiming for a target of 70,000 effectuated enrollees)Medica. No enrollment capUCare. 35,000 member cap (aiming for a target of 30,000 effectuated enrollees)MNsure confirmed in May 2018 that none of their insurers had hit their enrollment caps for 2018.Outside the exchange, PreferredOne had an enrollment cap of 3,000 members, although their 2017 membership was only about 300 people.2019 and 2020. Blue Plus, Health Partners/Group Health, UCare, and Medica have continued to offer plans through MNsure, and all of them continued to participate in 2020 as well.

Blue Plus expanded to once again offer statewide coverage in 2020, for the first time since 2016.2021. Quartz joined the exchange for 2021, joining the four existing insurers. HealthPartners and UCare are both expanding their coverage areas for 2021.Minnesota Premium Security Plan. 1332 waiver proposal approved by CMS, but with a significant funding cut for MinnesotaCareIn May 2017, Minnesota Governor Mark Dayton submitted a 1332 waiver proposal to CMS. The 1332 waiver was based on H.F.5, which was enacted without Dayton’s signature in April 2017 (Dayton had proposed an alternative measure that would have allowed people in Minnesota to buy into MinnesotaCare.

That measure was not able to pass the state’s Republican-dominated legislature).[For more than two decades, MinnesotaCare was a state program subsidizing health insurance for low-income residents. As of January 1, 2015, it transitioned to a Basic Health Program under the ACA, becoming the first BHP in the nation.]H.F.5 created the Minnesota Premium Security Plan (MPSP), which is a state-based reinsurance program (similar to the one the ACA implemented on a temporary basis through 2016, and that Alaska created for 2017. Several other states have since implemented reinsurance programs). The reinsurance program, which took effect in Minnesota in 2018, covers a portion of the claims that insurers face, resulting in lower total claims costs for the insurers, and thus lower premiums (average individual market premiums in Minnesota decreased from 2017 to 2018 as a result of the reinsurance program). The reinsurance kicks in once claims reach $50,000, and covers them at 80 percent up to $250,000 (this is similar to the coverage under the transitional reinsurance program that the ACA provided from 2014 through 2016).H.F.5 was contingent upon approval of the 1332 waiver, because it relies partially on federal funding, in addition to state funding.

Under the federal approval that was granted in September 2017, the federal government is giving Minnesota the money that they save on premium tax credits, and that money is combined with state funds to implement the reinsurance program (lower premiums — as a result of the reinsurance program — result in the federal government having to pay a smaller total amount of premium tax credits, since the tax credits are smaller when premiums are smaller).It was expected that CMS would approve the state’s 1332 waiver proposal, and Governor Dayton requested that the approval process be swift so that the state could move forward with the implementation of the Minnesota Premium Security Plan in time for the 2018 plan year. Dayton indicated that his office had been told that approval would come in August 2017, but CMS didn’t approve the waiver until September 22. And the waiver approval letter noted that the federal savings for MinnesotaCare (the state’s Basic Health Program, or BHP) resulting from the reinsurance program would not be eligible to be passed along to the state — in other words, CMS would keep those savings instead.[Federal BHP funding is equal to 95 percent of the amount that the federal government would have otherwise spent on premium subsidies and cost-sharing reductions for the population that ends up being eligible for the BHP. So lower premiums — as a result of reinsurance — for qualified health plans in the exchange means that the amount the federal government would have had to spend on premium subsidies for that population is lower. That translates into a smaller amount of funding for the state’s BHP, according to the approach that HHS took for Minnesota’s waiver approval.]And based on the scathing letter that Dayton sent CMS a few days earlier, it appeared at that point that Minnesota could actually lose money on the deal — losing more in federal funding for MinnesotaCare than they gain in reinsurance funding.

Dayton noted in his letter that the 1332 waiver approval process had been “nightmarish,” and that Minnesota went to great lengths to follow instructions from CMS at every turn, throughout the process of drafting H.F.5 and the 1332 waiver proposal. He explains that CMS provided Minnesota with explicit guidance in terms of how to draft the reinsurance program while maintaining full federal funding for MinnesotaCare, and highlighted the fact that the state never deviated from the instructions that were provided.The StarTribune editorial board called out then-Secretary of HHS, Tom Price and the Trump Administration for their lack of clarity on the issue, for apparently misleading the state during the 1332 waiver drafting process, and for effectively punishing the state of Minnesota for taking an innovative approach to ensuring that as many people as possible have health insurance.Insurers filed rates based on reinsurance being available. And by the time the waiver was approved, there was very little time to evaluate the potential impacts of the funding changes, as rates had to be finalized by October 2 in Minnesota. The finalized rates did incorporate the reinsurance program. The state has accepted the approved waiver, but Gov.

Dayton sent a letter to HHS on October 3, asking them to reconsider the MinnesotaCare funding cuts, but the issue has remained unresolved.Elimination of CSR funding results in additional funding cut for MinnesotaCare, but a lawsuit has partially restored that fundingNationwide, 54 percent of exchange enrollees benefit from cost-sharing subsidies. But in Minnesota, only 13 percent of exchange enrollees are receiving cost-sharing subsidies. This is because of MinnesotaCare, which covers all enrollees with income up to 200 percent of the poverty level. That’s the same group that would otherwise benefit the most from cost-sharing subsidies, so the fact that MinnesotaCare is available means that most of the people who would otherwise be enrolled in cost-sharing subsidy plans are instead enrolled in MinnesotaCare.At first glance, this would appear to have made the uncertainty surrounding cost-sharing subsidy funding in 2017 a little less of a pressing issue in Minnesota than it was in many other states, since private insurers weren’t facing the sort of losses that insurers in other states were facing without federal funding for CSR. But when the Trump Administration eliminated federal funding for CSR in October 2017, HHS took the position tha t since CSR funding had been eliminated, the CSR portion of the federal funding for the BHPs in New York and Minnesota would be reduced to $0.

This was not a cut-and-dried conclusion, however, as explained earlier in 2017 by Michael Kalina.In January 2018, the Attorneys General for New York and Minnesota filed a lawsuit against the US Department of Health and Human Services, seeking to restore funding for their Basic Health Programs. A judge ruled in favor of the states in May 2018, ensuring that MinnesotaCare would continue to receive at least some CSR-based funding. The amount awarded to the state for the first quarter of 2018 was just over half of what the state had initially expected in CSR-related funding, but a larger chuck of the funding was restored later in 2018. According to the Star Tribune, however, Minnesota still ended up losing $161 million in federal funding for MinnesotaCare due to the CSR funding cuts.In early 2019, the Trump administration proposed yet another funding cut (a third, after the cuts imposed by the reinsurance program and the elimination of CSR funding) as part of a new methodology for calculating BHP funding. This one was much smaller than the other two cuts, but taken together the funding reductions are pushing MinnesotaCare towards a looming budget shortfall.

SHOP exchange. Down to one carrier as of 2016, zero by 2018 (and still zero in 2019)In 2015, there were two carriers in MNsure’s SHOP exchange for small businesses. Blue Cross Blue Shield of Minnesota, and Medica. But Medica announced in 2015 that they would exit the SHOP exchange in Minnesota, North Dakota, and Wisconsin at the end of the year. That left BCBS as the only small group carrier available through MNsure in 2016, but it didn’t change much from a practical standpoint, since 83 percent of MNsure’s small groups were enrolled in plans through BCBS in 2015.

Indeed, Medica’s reason for exiting the small business exchange was based on low enrollment in the first two years.Blue Cross Blue Shield of Minnesota continued to be the only insurer offering SHOP coverage via MNsure in 2017, but announced in July 2017 that they would no longer offer SHOP coverage in 2018, and would instead transition their SHOP enrollees to small business coverage outside the exchange. At that point, there were only 3,287 people enrolled in SHOP coverage in Minnesota — far below the 155,000 people that were originally projected to have coverage through MNsure’s SHOP program by 2016 (this much lower-than-anticipated enrollment has been the case in nearly every state’s SHOP exchange. This situation is not unique to Minnesota). State law provided 25% premium rebate in 2017. Amendment to allow plans without essential benefits was cut from final legislationThroughout 2016, then-Governor Dayton called for a state-funded premium rebate for people who buy their own insurance but aren’t eligible for the ACA’s premium subsidies (those are only available for people with income up to 400 percent of the poverty level, or $100,400 for a family of four in 2019).Governor Dayton also noted that the government needed to act quickly to stabilize the individual market in Minnesota, and by late November 2016, his patience with lawmakers was wearing thin.

In a November 23 press conference, Dayton said that House Republicans needed to “stop dilly-dallying” and decide whether to move forward with Dayton’s rebate proposal.Dayton had also indicated that he was considering calling a special session of the legislature after election day to address the situation, and that was being negotiated for December 20. But the talks fell through when Dayton and Republican House Speaker Kurt Daudt couldn’t agree on the three bills that would have been addressed in the special session. As a result, there was no special session.Instead, the issue was taken up by lawmakers as soon as the 2017 legislative session began. On January 5, Minnesota Senators Michelle Benson (R, 31st District) and Gary Dahms (R, 16th District) introduced S.F.1. The bill called for using $300 million in state funding to provide a 25 percent rebate to roughly 125,000 people in Minnesota.S.F.1 passed the Minnesota Senate by a 35-31 vote on January 12.

Only one DFL Senator (Melisa Franzen, from Edina) voted with Republicans in favor of the legislation. It was then sent to the House, where an amendment was added that stripped out the requirement that health plans provide various mandated benefits (see “Journal of the Day” section “Top of page 154” in this version of the bill. Under the terms of the amendment, as long as a carrier offered at least one plan with all the mandated benefits, they would have been allowed to offer others without mandated benefits).The amended bill was sent back to the Senate on January 23. Differences between the bills that the two chambers passed had to be reconciled before being sent to Governor Dayton for his signature. By that point, the amendment to allow less-robust plans to be sold had garnered national attention, and public outrage helped to push lawmakers away from the provision.

S.F.1 had also called for $150 million to be appropriated for fiscal year 2018 (through June 30, 2019) from the state general fund to a state-based reinsurance program to stabilize the individual market (Alaska did something similar in 2016, preventing a market collapse), but that provision was also removed in the final version (Minnesota did ultimately set up a reinsurance program, effective in 2018, which has served to stabilize the market and reduce premiums).A Conference Committee in the Senate recommended that the House “recede from its amendments” and the Conference Committee report passed the Senate on a 47-19 vote. The House passed the bill a few hours later, 108-19. It was sent to Governor Dayton, who immediately signed it into law. DFLers did have to compromise on one issue during the process. S.F.1 allows for-profit HMOs to begin operating in Minnesota’s individual market, which had long been limited to non-profit HMOs.Consumers were told to expect the premium rebates to show up by April 2017, but they were retroactively effective to January 2017.

So a person who had been paying full price for a plan since January 2017 saw a substantial premium reduction on the April or May invoice. Going forward, for the remainder of the year, a 25 percent rebate applied each month.Since S.F.1 was signed into law with only a few days remaining in open enrollment (it ended January 31 that year), Governor Dayton and exchange officials were worried that there wouldn’t be enough time for people to learn about the rebate and apply for coverage before January 31. In December, Dayton had asked HHS to allow MNsure to extend its enrollment deadline to February 28 (instead of January 31) in order to allow lawmakers more time to work out the details of a state-based premium rebate while still allowing people to enroll after the legislative process is complete.HHS denied the request for a blanket extension, but MNsure used their own authority on January 28 to grant a one-week special enrollment period (February 1 to February 8) due to exceptional circumstances. Although the state-based 25 percent premium rebate was available on or off the exchange, the one-week extension was only valid through MNsure. Health insurers did not have to accept off-exchange enrollments without a qualifying event after January 31.The 25 percent premium rebate program in Minnesota was only authorized for one year, so the rebates did not continue into 2018.

And although almost 100,000 people received premium relief through the program in 2017, it ended up costing less than the legislature had allocated, and about $100 million was returned to the state’s budget at the end of 2017.Protecting Medicaid enrollees from estate liensIn every state, Medicaid is jointly funded by the state and the federal government. Longstanding federal regulations, which predate the ACA, require states to “seek recovery of payments from the individual’s estate for nursing facility services, home and community-based services, and related hospital and prescription drug services” for any Medicaid enrollee over the age of 55. This applies essentially to long-term care services, but states also have the option to go after the individual’s estate to recover costs for other care that was provided by Medicaid after age 55.Prior to 2014, this wasn’t typically an issue, as Medicaid eligibility was generally restricted by asset tests or requirements that applicants be disabled or pregnant (although Minnesota did have much more generous Medicaid eligibility guidelines than most states prior to 2014). But as of 2014, in states that expanded Medicaid under the ACA, the only eligibility guideline is income. Applicants with income that doesn’t exceed 138 percent of the poverty level are directed to Medicaid, regardless of any assets they might have.When applicants use the health insurance exchange — MNsure in Minnesota — they’re automatically funneled into Medical Assistance (Medicaid) if their income is under 138 percent of the poverty level.

But what these enrollees didn’t know was that the state also had a program in place to put liens on estates for Medicaid-provided services for people age 55 and older.The combination of these systems caught numerous residents off guard. They were enrolled in Medical Assistance through MNsure based on their income, but were not aware that liens were being placed on their homes so that the state could recoup the costs upon their deaths.State Senator Tony Lourey (DFL, District 11) addressed the issue with language included in HF2749, the Omnibus supplemental budget bill, which was signed into law by Governor Dayton on June 1, 2016. The legislation limits estate recovery to just what’s required under federal Medicaid rules (ie, essentially, long-term care costs for people age 55 or older), and makes the provision retroactive to January 1, 2014.Early tech strugglesMNsure opened for business in the fall of 2013, but technological issues persisted well into 2015, despite numerous improvements throughout 2014. Given MNsure’s difficult launch, the state conducted a series of audits and reviews. The first audit reviewed how MNsure spent state and federal money.

Auditors concluded that the exchange has generally adequate internal controls and found no fraud or abuse. The review was conducted by the state Office of the Legislative Auditor, and the report was published in October 2014.Another audit, also conducted by the Office of the Legislative Auditor and released in November 2014, found that the MNsure system in some cases incorrectly determined who qualified for public health benefits. The errors occurred during the first open enrollment period, before a series of system fixes were implemented. The audit did not quantify the total financial impact of the errors. The state Human Services commissioner said a consultant working on technical fixes to MNsure concluded that the eligibility functionality was working correctly as of June 2014.A third audit, a performance evaluation report released in February 2015, said “MNsure’s failures outweighed its achievements.” Among other criticisms, auditors said MNsure staff withheld information from the board of directors and state officials, the enrollment website was seriously flawed and launched without adequate testing, and the first-year enrollment target was unrealistically low.In April 2014, MNsure hired Deloitte Consulting to audit MNsure’s technology and improve the website to make enrolling in coverage and updating life events easier and more streamlined.

Deloitte has been involved in successful state-run marketplaces for Connecticut, Kentucky, Rhode Island and Washington.Software upgrades were installed in August 2014, and system testing continued right up until the start of open enrollment. To reduce wait times for consumers and insurance professionals, MNsure increased its call center and support staff and launched a dedicated service line for agents and brokers.More in-person assisters were available in Minnesota for the 2015 open enrollment period. MNsure encourages residents to utilize the exchange’s assister directory to find local navigators and brokers who can help with the enrollment process.MNsure has improved dramatically in terms of its technology since the early days of ACA implementation, and enrollment increased every year from 2014 through 2019.Lawmakers approved switching to HealthCare.gov as of 2019, but governor vetoedOn May 9, 2017, lawmakers in Minnesota passed SF800, an omnibus health and human services bill. Among many other things, the legislation called for switching from MNsure to the federally-run marketplace (HealthCare.gov) starting in 2019 (see Section 5). But Governor Dayton vetoed it.Gov.

Dayton has long been supportive of MNsure, and had previously clarified that he would veto the bill. In noting his plans to veto the legislation, Dayton made no mention of the transition to HealthCare.gov that was included in the legislation, but focused instead on the sharp budget cuts in the bill. But his veto ensured that MNsure would remain in place, at least for the time being.The Senate’s original version of SF800 did not call for scrapping MNsure, but the bill went through considerable back-and-forth between the two chambers, and the version that passed was the 4th engrossment of the bill.In March 2015, Dayton had asked the legislature to create a Task Force on Health Care Financing that would study MNsure along with possible future alternatives. Dayton noted in his letter that he supported making MNsure “directly accountable to the governor and subject to the same legislative oversight as other state agencies” and his budget included half a million dollars devoted to the task force. The spending bill was approved by the legislature in May, and the 29-member task force was appointed in the summer.One of the possibilities that the task force considered was the possibility of switching to Healthcare.gov, but it’s clear that there was no cut-and-dried answer to the question of whether Minnesota is better served by having a state-run exchange, switching to a federally-run exchange, or teaming up with the federal government on either a supported state-based marketplace or partnership exchange.In a December 2015 meeting of the task force, the MN Department of Human Services presented a financial analysis of the alternatives available to MNsure.

They determined that switching entirely to Healthcare.gov would cost the state an additional $5.1 million in one-time costs from June 2016 to June 2017. And switching to a supported state-based marketplace would cost an additional $6.6 million during that same time frame. If the state had opted to switch to Healthcare.gov, the soonest it could have happened was 2018, since HHS requires a year’s notice from states wishing to transition to Healthcare.gov, and Minnesota wouldn’t have been in a position to make a decision until sometime in 2016.There were significant reservations about making that switch prior to the Supreme Court’s ruling on King v. Burwell. The Court ruled in June 2015 that subsidies are legal in every state, including those that use Healthcare.gov.

Prior to the decision, a switch to Healthcare.gov could have jeopardized subsidies for tens of thousands of Minnesota residents. But once it was clear that Healthcare.gov’s subsidies are safe, some stakeholders began calling for Minnesota to scrap its state-run exchange and use Healthcare.gov instead. Because the MNsure task force was included in the 2016 budget, no hasty decisions were made.In January 2016, the task force submitted their recommendations to the legislature. They covered a broad range of issues, but did not recommend that MNsure transition to the federal enrollment platform. Lawmakers essentially left the exchange alone during the 2016 legislative session.The magnitude of the 2016 rate increases that were announced in October resulted in MNsure opponents renewing their calls to switch to Healthcare.gov.

But it’s important to keep in mind that the 41 percent weighted average rate hike in Minnesota was market-wide, and did not just apply to MNsure enrollees. In fact, the off-exchange carrier (PreferredOne) had among the highest rate hikes in the state for 2016, at 39 percent, and the exchange’s weighted average rate increase (38.5 percent) was lower than the weighted average rate increase for the whole individual market (41 percent).Minnesota health insurance exchange linksMNsure855-3MNSURE (855-366-7873)State Exchange Profile. MinnesotaThe Henry J. Kaiser Family Foundation overview of Minnesota’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts..

In this edition Welcome back to The Scoop! cheap cipro. Open enrollment for individual (non-group) health insurance cheap cipro plans is just around the corner, and will be underway nationwide as of November 1. For those interested in open enrollment and individual-market coverage, there’s plenty of encouraging news this week regarding open enrollment extensions, new state enrollment platforms, the availability of plan browsing, and new insurers joining many states’ marketplaces.If you’ve got questions about open enrollment, check out our comprehensive 2021 Open Enrollment Guide, which addresses all aspects of the OEP that starts November 1. (And although this site is all about individual market health coverage, you cheap cipro can also check out our guide to the Medicare open enrollment period – which starts today.)There’s a lot of news to cover.

Let’s get started!. Eleven state-run exchanges extend open enrollment periods for 2021 coverageAlthough open enrollment is still a few weeks away, more than two-thirds of the fully state-run exchanges have already committed to extended open enrollment cheap cipro periods during which people can enroll in 2021 health coverage. Some of these are permanent extensions, while others only apply to the upcoming open enrollment period:Minnesota. November 1 to December 22, 2020.Colorado cheap cipro.

November 1 to January 15, 2021Nevada. November 1, cheap cipro 2020, to January 15, 2021.Pennsylvania. November 1, 2020, to January 15, 2021.Washington. November 1, cheap cipro 2020, to January 15, 2021.Massachusetts.

November 1, 2020, to January 23, 2021.Rhode Island. November 1, 2020, to January 23, 2021.California cheap cipro. November 1 to January 31, 2021.District of Columbia. November 1 to January 31, cheap cipro 2021.New Jersey.

November 1, 2020, to January 31, 2021.New York. November 1, 2020, to January 31, 2021.The other state-run exchanges are Connecticut, Idaho, Maryland, and Vermont cheap cipro. They all have the option to use the standard November 1 – December 15 enrollment window or issue an extension. And although cheap cipro they’ve currently all scheduled open enrollment to end on December 15, it’s possible that we could see additional extensions as the year goes on.Two states move to state-run exchange platforms this fallMost states in the U.S.

Use the federally run HealthCare.gov platform for individual and family health coverage enrollment. But there were already 13 fully state-run exchange platforms as of this year, and two more have joined them for the upcoming open cheap cipro enrollment season and future plan years.Residents in Pennsylvania will use Pennie to sign up for coverage this fall, and New Jersey residents will use GetCoveredNJ. (In previous years, residents in both states used HealthCare.gov.) Window shopping for 2021 health plans available in DC and eight statesIn states that use HealthCare.gov and most of the state-run exchanges, window shopping for 2021 coverage will be enabled by late October. But plan browsing is currently available on some state-run cheap cipro exchange websites.

Residents in California, DC, Idaho, Maryland, Minnesota, Nevada, New Jersey, New York, and Vermont can already see the available plans and pricing for 2021. And in California, current enrollees can even renew their coverage now, without having to wait for the official start cheap cipro of open enrollment.Mostly modest rate changes for 2021. Increases in some states, decreases in othersFor the last several months, we’ve been tracking proposed premiums for individual-market health insurance across the country. The rate review process has been finalized and approved rate changes made public in many states cheap cipro.

As he does each year, Charles Gaba is tracking the proposed and approved rate changes in an at-a-glance spreadsheet. Thus far, the average approved rate change stands cheap cipro at an increase of just under half a percent. Although that’s not yet a complete picture, it is indicative of a fourth consecutive year of fairly stable rates in the individual market, with prices in many areas of the country fairly similar in 2021 to what they were in 2018.We’ve got detailed overviews of numerous states’ approved rate changes for 2021, including some states where overall average rates are increasing. (See Florida, Idaho, Massachusetts, cheap cipro Nevada, New York, and Rhode Island) In other state, overall average rates are actually decreasing.

(See Colorado, Delaware, Hawaii, Iowa, Maine, Maryland, and Washington.)For 2021, Pennsylvania and New Hampshire are joining a dozen other states that have reinsurance programs, and average premiums are expected to decrease in both states as a result of the new reinsurance programs.Insurers join marketplaces or expand coverage areas in more than 20 statesIn many states across the country, new insurers are joining the cheap cipro exchanges for 2021, and existing insurers are expanding their coverage areas within the states where they offer coverage. We’re seeing this in numerous states, including Arkansas, California, Colorado, Florida, Illinois, Idaho, Indiana, Iowa, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, Tennessee, Texas, Utah, Virginia, and Washington.There are a few states where existing insurers will no longer offer plans in the marketplace after 2020. New Mexico Health Connections will shut down at the end of 2020, Virginia Premier is leaving the cheap cipro individual market, and Highmark Choice Company is leaving Pennsylvania’s market (but several other Highmark affiliates will remain, and Highmark Choice Company had very low enrollment).But overall, the trend is overwhelmingly towards increasing insurer participation and expanding coverage areas. This is the same trend we saw for 2019 and 2020.

And it’s a reversal of the trend we saw in 2017 and 2018, when cheap cipro insurers were fleeing the exchanges and the individual market.Wisconsin asks Trump administration to extend open enrollmentLate last month, numerous Wisconsin stakeholders — including the insurance commissioner, the Department of Health Services, numerous health insurance companies, and consumer advocates — sent a letter to the Trump administration, asking for an extension of the upcoming open enrollment period through the end of January, instead of having it end on December 15.Wisconsin uses the federally run marketplace (HealthCare.gov), so the state does not have the option of extending open enrollment itself, the way several of the state-based exchanges have done. The letter points out how an extended open enrollment period would give the state more time to help people affected by the pandemic who need to select an individual market health plan for 2021.An extension would also give those individuals – many of whom are not accustomed to buying their own health insurance – more time to carefully consider their options. The letter concludes by pointedly noting that along with those practical benefits, “an extension would signal that the federal government understands the plight of the newly uninsured, values their welfare and is prepared to do all in its power cheap cipro to protect our health system and economy.”Nearly two years after voters approved it, Medicaid expansion is in effect in NebraskaIn November 2018, voters in Nebraska approved a Medicaid expansion ballot measure. After an implementation process that lasted nearly two years, Medicaid expansion took effect this month in Nebraska.

Nebraska residents were able to start enrolling in expanded Medicaid in August, but enrollment will continue year-round for eligible residents.Now that Nebraska has expanded coverage, there are only 14 states that still have not accepted federal funding to expand Medicaid, and two of them (Oklahoma and Missouri) will expand coverage by mid-2021 under the terms of ballot cheap cipro measures approved by voters this past summer.CMS report. Unsubsidized individual market enrollment declined 45% from 2016 to 2019The Centers for Medicare and Medicaid Services published a new enrollment trends report last week, with data updated to include the 2019 plan year. The CMS totals are based on risk adjustment data, but they do not include enrollments cheap cipro in Massachusetts and Vermont, since both states have merged individual and small group markets for risk adjustment.Enrollment in the health insurance marketplaces/exchanges has remained fairly steady over the last few years, due mainly to the premium subsidies that keep coverage affordable for most exchange enrollees. But enrollment has declined sharply among people who don’t receive premium subsidies – which includes everyone who enrolls outside the exchange, as well as about 15 percent of on-exchange enrollees.

Across 48 states and Washington, DC, total unsubsidized cheap cipro enrollment in ACA-compliant individual market plans has dropped from 6.3 million in 2016 to 3.4 million in 2019.KFF employer survey. Average cost of family premiums now exceeds $21,000The Kaiser Family Foundation’s annual employer health insurance survey report was published last week. As usual, it contains a cheap cipro wealth of information about the current state of employer-sponsored health insurance in the United States. Among the interesting data points:67 percent of employees with employer-sponsored health coverage are enrolled in self-insured health plans.

This is up from 61 percent last year (state health insurance regulations do cheap cipro not apply to self-insured plans, as they are instead regulated at the federal level).The average cost of employer-sponsored family health coverage has grown to $21,342 in annual premiums this year, up from $20,576 last year. The uninsured rate continues to rise, and is rising particularly fast among childrenLast month, the U.S. Census Bureau published its annual health cheap cipro insurance report, with data about health coverage during 2019. About 8 percent of the population had no health coverage at all during 2019, and about 9.2 percent had no health coverage at the time they were surveyed.

This is cheap cipro an increase from 8.9 percent in 2018, but it’s also the continuation of a steady upward trend in the uninsured rate since the Trump administration took office. It had been 8.7 percent in 2017 and 8.6 percent in 2016. The uninsured rate is still well below where it was prior cheap cipro to the ACA. 15.5 percent of the population was uninsured as of 2010.In addition to the continued increase in the overall uninsured rate in recent years, Georgetown University’s Health Policy Institute published a sobering report last week, indicating that the uninsured rate among children in the U.S.

Increased more in cheap cipro 2019 than it had in any other year over the last decade. In 2016, just 4.7 percent of children in the U.S. Were uninsured, which was a historic cheap cipro low. But by 2019, it had increased to 5.7 percent.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

She has written dozens of opinions and cheap cipro educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Minnesota marketplace highlights and updatesOpen enrollment for 2021 health plans. November 1, 2020 through December 22, cheap cipro 2020. Residents with qualifying events can still enroll or make changes to their 2020 coverage.Insurers implementing modest rate increases for 2021, after three straight years of average rate cheap cipro decreases.

Quartz has joined the exchange for 2021, bringing total number of insurers to five.117,520 people enrolled for 2020, a new record for MNsure.Insurer participation in MNsure. 2014 to 2021.Reinsurance program received federal approval, cheap cipro began operation in 2018.With reinsurance, rates decreased for 2018 and again, even more significantly, for 2019. But reinsurance also reduced funding for MinnesotaCare.The elimination of CSR funding further reduced MinnesotaCare funding, but this has been partly restored by a court ruling.MN provided premium relief for non-subsidy-eligible enrollees for 2017 only.Governor vetoed a proposed 2019 switch to HealthCare.gov.MNsure’s small business exchange no longer has any participating insurers.Minnesota health exchange overviewMinnesota’s one of the states fighting the hardest to preserve the Affordable Care Act’s gains. See actions Minnesota has taken.Minnesota’s state-run exchange, MNsure, has five participating insurers for 2021, up from cheap cipro four in 2020.

The exchange has more than 117,000 individual market enrollees as of 2020.As a result of the COVID-19 pandemic, MNsure joined most of the other state-run exchanges in offering a special enrollment period during which people who were uninsured could enroll in a health plan. MNsure’s special enrollment period began cheap cipro March 23, and continued through April 21. Nearly 9,500 Minnesota residents enrolled in private plans through MNsure during this window, as well as another 13,700 who enrolled in MinnesotaCare or Medicaid (enrollment in those programs is open year-round for eligible residents).Allison O’Toole, who led MNsure as CEO for three years, announced her resignation in March 2018, and the exchange named Nate Clark, the MNsure COO, as acting CEO. A few months cheap cipro later, the MNsure board named Clark as the permanent CEO.

O’Toole left MNsure to work as director of state affairs for United States of Care, a non-profit created by Andy Slavitt, who was the acting administrator of CMS under the Obama Administration.Throughout 2017, Minnesotans who bought their own health insurance (on or off-exchange) and weren’t eligible for ACA subsidies were provided with 25 percent premium rebates from the state as a result of S.F.1, signed into law by Governor Dayton in early 2017. The subsidies helped to offset the large premium increases that applied in Minnesota in 2017, and helped to stabilize the individual health insurance market in 2017 cheap cipro. But the premium rebate program expired at the end of 2017.Thanks in large part to the new reinsurance program that Minnesota created (details below), premiums decreased in Minnesota’s individual market in 2018, 2019, and again in 2020, although rates are increasing modestly for 2021. In May 2019, Minnesota leaders reached an agreement on a budget that included an extension of the reinsurance program through 2020 and 2021 (it has already been granted federal approval cheap cipro through the end of 2022, but the state has to continue to cover its share of the cost.

Minnesota Governor Tim Walz had hoped to implement a premium subsidy program and a new tax credit in Minnesota starting in 2020. But a compromise in the budget ended up with the state opting to cheap cipro continue the existing reinsurance program for two more years instead.).But the waiver that provides federal pass-through funding for reinsurance also resulted in a sharp and unexpected decrease in federal funding for MinnesotaCare, the Basic Health Program that provides coverage for people with income between 138 percent and 200 percent of the poverty level (between $16,642 and $24,120 for a single person).In addition, the elimination of federal funding for cost-sharing reductions (CSR) in October 2018 resulted in a funding cut for MinnesotaCare, since the program is funded in large part by federal funds that would otherwise have been used to pay for premium subsidies and cost-sharing reductions in the exchange for the population that is instead eligible for MinnesotaCare. After an ensuing legal battle, a judge ordered HHS to restore funding for MinnesotaCare, although a resolution of the situation is ongoing, and the amount that HHS agreed to pay was still less than MinnesotaCare would have received if CSR funding had continued.Open enrollment for 2021 health plans extended through December 22, 2020. Insurers implementing modest rate increases for 2021, after three years of overall rate decreasesMNsure enabled window shopping for cheap cipro 2021 health plans as of October 12, 2020.

This gives residents a few weeks to browse the available plans before open enrollment starts on November 1, 2020. And MNsure has announced that cheap cipro open enrollment will continue through December 22, 2020. That’s a week longer than the open enrollment period that will apply in states that use the federally-run exchange. The flexibility to extend cheap cipro open enrollment is often cited as one of the benefits of having a fully state-run exchange.

(MNsure had a similar extension last December, for 2020 health plans).For 2021, Quartz is joining the Minnesota marketplace. Quartz currently offers plans in Illinois cheap cipro and Wisconsin, and is expanding into Minnesota for 2021. And two of the existing insurers — HealthPartners and UCare — are expanding their coverage areas for 2021 (BluePlus and Medica offer coverage statewide, and will continue to do so in 2021).The following average rate changes have been approved for MNsure’s insurers:Blue Plus. 4.21 percent increase (down from an initially proposed 7.12 percent cheap cipro increase)Group Health/Health Partners (GHI).

0.67 percent increase (down from an initially proposed 4.15 percent increase)Medica. 2.42 percent increase (down cheap cipro from an initially proposed 7.06 percent increase)UCare. 1.6 percent increase (up from an initially proposed 1.39 percent decrease)Quartz. New for 2021, so no applicable rate changePreferredOne Insurance Company, which offers plans outside the exchange, is increasing premiums by 1.05 percent (down from an initially proposed average increase of 5.09 percent) cheap cipro.

Rate changes in previous years2015. Average increase of 4.5 cheap cipro percent. MNsure critics characterized the official announcement as misleading as it failed to take into account low-cost 2014 cheap cipro plans from PreferredOne. Consumers who bought a PreferredOne plan through MNsure for 2014 could only renew their policies for 2015 by working directly with the insurer, since PreferredOne stopped offering plans in the exchange at the end of 2014.

However, PreferredOne rates went up an average cheap cipro of 63 percent, and consumers didn’t qualify for subsidies if they shopped outside the exchange. 2016. Average increase of 41.4 percent for the individual market, and about cheap cipro 38.5 for plans sold in MNsure (ie, not counting PreferredOne). Rates increased significantly in 2016 across the entire individual market in Minnesota — including plans sold through MNsure, the state-run exchange.Approved rates for 2016 were announced on October 1, 2015, ranging from about 15 percent for Medica to 49 percent for Blue Cross Blue Shield of Minnesota.

In general, the carriers cited higher-than-expected claims costs over the past year, along with the impending phase-out of the ACA’s reinsurance cheap cipro program as justification for their 2016 rate requests. But Governor Mark Dayton called some of the higher proposed increases “outrageous,” and promised a rigorous review of the filed rate changes and justifications. Ultimately, regulators were able to limit the highest rate increases to 49 percent — as opposed to the 54 percent that had been requested by Blue Plus and BCBS cheap cipro of MN — but the final weighted average rate increase in the individual market in Minnesota still ended up being the highest in the nation. But Minnesota still had the lowest overall premiums in the upper midwest (although Minnesota had the highest average rate increase in the country for 2016, they had the lowest overall rates in the country in 2014 and 2015).Minnesota Commerce Commissioner Mike Rothman called the rate increases “unacceptably high,” and Gov.

Dayton noted that he was “extremely unhappy” with the cheap cipro rate changes. But Rothman noted that his office “objected to all of the rates across the board,” and “squeezed out everything we could that was not actuarial justified.” In other words, the final rates, although much higher than officials and policyholders would have liked, were justified based on medical claims costs — the population enrolled in individual health plans in Minnesota was sicker than expected, and drug costs had been particularly onerous.Only about 55 percent of people who had 2015 coverage through MNsure received premium subsidies. But due to the sharp premium increases, that had increased to about 63 percent for the people who had purchased or renewed coverage as of cheap cipro June 2016.2017. When the Minnesota Department of Commerce announced health insurance rates for 2017 for the individual and small group markets, the rate hikes were somewhat reasonable in the small group market (ranging from a decrease of 1 percent to an increase of 17.8 percent), but the individual market was “experiencing serious disruptions in 2017” and “on the verge of collapse.” The four carriers that offered plans through MNsure had the following average rate increases in 2017:Blue Plus = 55 percentHealthPartners/Group Health (GHI) = 50 percent (HealthPartners is only offering plans in 10 of the 67 counties where they offered plans in 2016.

Their enrollment cap is 72,000 for 2017)Medica = 57.5 percent (enrollment cap is 50,000 for 2017)UCare = 66.8 percent (UCare capped enrollment at 30,000 for 2017, but only had 16,000 enrollees in 2016)The enrollment caps that HealthPartners, Medica, and UCare employed for 2017 were approved as part of the rate review process, and are designed to protect carriers from further financial losses as they absorb BCBSMN’s enrollees who are shopping for new coverage during open enrollment.In cheap cipro a news release relating to the rate announcement for 2017, the Minnesota Department of Commerce didn’t mince words. They noted that the individual market in the state was on the brink of collapse, and that they did everything in their power to save the market. While they succeeded in keeping the state’s cheap cipro individual market viable for 2017, with only one carrier exiting (BCBSMN, although their HMO affiliate, Blue Plus, remained in the exchange), they reiterated very clearly that substantial reforms would be needed to keep the market stable in future years, and highlighted the fact that rates would be sharply higher and that carriers would limit enrollment in 2017.2018. Final rates for 2018 were approved in October 2017 (comprehensive information about the approved rates is here), based on the Minnesota Premium Security Plan (MSPS) being implemented but cost-sharing reductions (CSR) not being funded by the federal government (the cost of CSRs was added to on-exchange Silver plans).

Average approved rate changes for MNsure insurers ranged from a 13.3 percent decrease for UCare to a 2.8 percent increase for Blue Plus cheap cipro. Three of the four MNsure insurers decreased their average premiums for 2018.On September 21, MNsure had posted a notice indicating that if the reinsurance program were not approved, rates would be about 20 percent higher than they would otherwise be in 2018. Fortunately for Minnesota residents, the reinsurance program did receive federal approval, and average rates declined slightly for 2018.But some enrollees who don’t get ACA premium subsidies still experienced a rate increase, due to the termination of the cheap cipro one-year, state-funded 25 percent premium rebates at the end of 2017.PreferredOne, which exited MNsure at the end of 2014 and only offers coverage in the off-exchange market, proposed dramatically lower rates for 2018. A 38 percent average decrease if MSPS were to be approved, and a 23 percent average decrease if not.

The 38 percent decrease was implemented, and no adjustments cheap cipro were necessary to account for CSR funding, since PreferredOne does not offer plans in the exchange, and CSRs are only available on silver exchange plans.2019. Average premium decrease of 12.4 percent. Average premiums dropped for all five insurers in the individual market cheap cipro in 2019. This was the second year in a row of declining rates in Minnesota, but Blue Plus had a small rate increase for 2018, so 2019 was the first year that all five insurers decreased their average rates.

Minnesota insurance regulators noted that rates in 2019 were about 20 percent lower than they would have been without the reinsurance program.But most of Minnesota’s insurers charged higher rates in 2019 than they would have if the individual mandate penalty hadn’t been eliminated, and if access to short-term plans and association health plans hadn’t been cheap cipro expanded by the Trump administration. For example, UCare’s rate filing notes that while average rates were decreasing by about 10 percent, the rate decrease would have been nearly 15 percent if the individual mandate penalty had remained in place.At ACA Signups, Charles Gaba calculated a weighted average rate decrease of 12.4 percent for 2019 in Minnesota, but noted that the average decrease would have been nearly 19 percent without those changes at the federal level.2020. Average premium cheap cipro decrease of 1 percent. Four of the five insurers (including PreferredOne, which only offers coverage off-exchange) in Minnesota’s individual market decreased their average premiums for 2020.

This was the third year in a row that average individual market premiums dropped in Minnesota’s individual market, due in large part to the reinsurance program that the state has cheap cipro established.The following average rate changes were implemented for 2020:Blue Plus. 1.5 percent decrease cheap cipro (Blue Plus had originally proposed a 4.8 percent increase)Group Health/Health Partners (GHI). 1.26 percent decrease (GHI had originally proposed a 2.1 percent increase)Medica. 1.01 percent decrease (Medica had originally proposed an average decrease of 1.4 cheap cipro percent)UCare.

0.18 percent increase (UCare originally proposed a 0.3 percent increase)PreferredOne, which only offers off-exchange coverage, reduced their rates by an average of 20 percent, on the heels of an 11 percent decrease in 2019. MNsure enrollment exceeded 116k in 2018, cheap cipro dropped to 113k for 2019, but grew to more than 1117k in 2020From 2014 through 2018, enrollment in MNsure’s individual market plans increased every year, reaching 116,358 people by 2018. That was the highest open enrollment total in MNsure’s history, despite the shorter enrollment period, which ended in mid-January instead of the end of January (open enrollment for 2018 coverage ended on December 15, 2017 in states that use HealthCare.gov, but MNsure opted to extend their enrollment window that year, and have also extended subsequent enrollment windows).Enrollment dropped for the first time in 2019, when 113,552 people enrolled in individual market plans through MNsure. In most states that use HealthCare.gov, cheap cipro enrollment peaked in 2016 and has been dropping since then.

But MNsure’s drop-off in 2019, which amounted to only a 2.4 percent reduction in enrollment, is the only time year-over-year enrollment has declined. Notably, the ACA’s individual mandate penalty was eliminated as of 2019, and regulations that the Trump administration implemented in late 2018 now make it more feasible for healthy people to use short-term plans instead of ACA-compliant plans (Minnesota has its own rules for short-term plans, but they’re more relaxed than the Obama-era federal rules that applied in 2017 and most of 2018).And for 2020, enrollment grew again, reaching a record high of 117,520 enrollees.Here’s a look at the number of people who have signed up cheap cipro for individual market plans through MNsure during each year’s open enrollment period. These numbers all represent total enrollment at the end of open enrollment. Effectuated enrollment is always lower, and MNsure provides periodic effectuated enrollment data on their cheap cipro board meeting materials page.

Insurer participation in MNsure. 2014-20212014. Five insurers offered individual policies through MNsure for 2014. Blue Cross Blue Shield of Minnesota, HealthPartners/Group Health, Medica, PreferredOne, and UCare.

Kaiser Health News reported that Minnesota offered some of the lowest premiums for silver (mid-level) plans in the U.S. Four of Minnesota’s nine regions made Kaiser’s list of the 10 least expensive places to buy health insurance.2015. But PreferredOne, which offered the lowest rates in the nation in 2014 and captured a large portion of 2014 enrollees, withdrew from MNsure for 2015. PreferredOne said remaining on the exchange was “not administratively and financially sustainable.” A Star Tribune business writer attributed PreferredOne’s departure as a market dynamics issue rather than a problem with MNsure.However, Blue Plus (an affiliate of Blue Cross Blue Shield of MN, offering HMO plans) joined the exchange for 2015, so there were still five insurers offering plans for 2015.

Blue Cross Blue Shield of Minnesota, Blue Plus, Health Partners/Group Health, Medica, and UCare. MNsure offered 84 plans statewide, up from 78 for 2014.2016. BCBSMN, Blue Plus, Health Partners/Group Health, Medica, and UCare offered individual market plans through MNsure for 2016.2017. In an effort to recruit more carriers to offer plans through MNsure for 2017 — particularly outside the Twin Cities metro area — state regulators sent out a request for proposals from health insurers on August 15, 2016.

Regulators noted that insurers could propose waivers of regulations in order to make it feasible for them to offer coverage through MNsure, although any such waiver requests would have to be approved by regulators.Steven Parente, a health insurance expert at the University of Minnesota, called the state’s effort to recruit insurers to MNsure a “distress call” and noted that August 15 is awfully late in the year to be putting out a request for insurer participation, given that open enrollment begins November 1. And ultimately, no new insurers opted to join MNsure for 2017.Blue Cross Blue Shield of MN dropped their individual market PPO plans at the end of 2016 due to significant financial losses. That left Blue Plus (which offered HMOs and covered roughly 13,000 people in 2016 in the individual market) as the only BCBSMN affiliate in the exchange. Roughly 103,000 people had to select new plans during open enrollment.Most of those BCBSMN enrollees had off-exchange coverage, though.

There were only about 20,400 MNsure enrollees (a little more than one in five MNsure enrollees) with coverage under BCBSMN who needed to switch to another plan during open enrollment. BCBSMN had individual PPO options available in all 87 counties in Minnesota through MNsure in 2016, while the Blue Plus coverage area — comprised of four separate HMO networks — was available in 77 of the state’s counties.Nationwide, carriers have been shifting away from PPOs and towards HMOs and EPOs. In Colorado, Anthem Blue Cross Blue Shield also dropped their PPOs at the end of 2016. In Indiana, there were no PPOs available in the individual market by 2017.

Blue Cross Blue Shield of New Mexico dropped all of their individual market plans at the end of 2015 except one off-exchange HMO. Blue Cross Blue Shield of Texas dropped their individual market PPO plans at the end of 2015.The broad network offered by PPOs tends to be attractive to enrollees who have health problems. They’re often willing to pay higher premiums in trade for access to broad network of hospitals and specialists. But PPOs are expensive for carriers, as enrollees don’t need primary care referrals to see specialists, and it’s more challenging for carriers to hold down costs when there are more providers in the network.All of the MNsure carriers except Blue Plus are also limiting their total enrollment for 2017.

By November 11, 2016, less than two weeks into open enrollment for 2017 coverage, Medica had hit their 50,000 member enrollment cap for 2017 (including on and off-exchange enrollments, and also accounting for expected renewals of 2016 Medica plans), and their policies were no longer available in the individual market in Minnesota, on or off-exchange. The only exception was five counties (Benton, Crow Wing, Mille Lacs, Morrison, and Stearns) where Medica agreed not to limit enrollment, as all of the other available carriers in those counties have imposed enrollment caps too. In those five counties, Medica plans continued to be available.At that point, Medica’s market share in MNsure for 2017 stood at 34.2 percent. By December 14, Medica’s market share had dropped to 27.7 percent, as enrollments had continued to climb for the remaining carriers.On January 31, Medica re-opened enrollment for 2017.

This was because a smaller-than-expected number of 2016 Medica enrollees renewed their plans for 2017, meaning that the carrier still had some wiggle room under their 50,000 member cap. At that point, they had room for about 7,000 more enrollees. Medica plans were thus available throughout the duration of the special enrollment period that was added on at the end of open enrollment, and continue to be available for people with qualifying events.2018. Plans continued to be available from Blue Plus, Health Partners/Group Health (GHI), Medica, UCare.

In the months before a decision was reached regarding an extension of the open enrollment window for 2018 plans (the first year that the federal government imposed a shorter, month-and-a-half enrollment window), two of MNsure’s participating insurers had differing positions. UCare believed the exchange should add an additional two-week special enrollment period, while Medica did not want the exchange to have the option to extend the newly-scheduled six-week enrollment window. Notably, Medica capped their enrollment very early during the 2017 open enrollment period, and while UCare also had an enrollment cap, it was set with a target of nearly doubling their 2016 enrollment. But Medica is the only MNsure insurer that didn’t set an enrollment cap for 2018.As was the case for 2017, enrollment caps were used in the individual market in Minnesota for 2018 by all insurers other than Medica (Medica did have an enrollment cap for 2017, which they hit very early in open enrollment.

However, they resumed enrollments at the end of January 2017). Details about the insurers’ enrollment caps are in the plan binders in SERFF. For 2018, MNsure insurers implemented the following enrollment caps:Blue Plus. 55,000 member cap (aiming for a target of 50,000 effectuated enrollees, but effectuated enrollment is always lower than the number of people who initially enroll)Health Partners/Group Health (GHI).

73,400 member cap (aiming for a target of 70,000 effectuated enrollees)Medica. No enrollment capUCare. 35,000 member cap (aiming for a target of 30,000 effectuated enrollees)MNsure confirmed in May 2018 that none of their insurers had hit their enrollment caps for 2018.Outside the exchange, PreferredOne had an enrollment cap of 3,000 members, although their 2017 membership was only about 300 people.2019 and 2020. Blue Plus, Health Partners/Group Health, UCare, and Medica have continued to offer plans through MNsure, and all of them continued to participate in 2020 as well.

Blue Plus expanded to once again offer statewide coverage in 2020, for the first time since 2016.2021. Quartz joined the exchange for 2021, joining the four existing insurers. HealthPartners and UCare are both expanding their coverage areas for 2021.Minnesota Premium Security Plan. 1332 waiver proposal approved by CMS, but with a significant funding cut for MinnesotaCareIn May 2017, Minnesota Governor Mark Dayton submitted a 1332 waiver proposal to CMS.

The 1332 waiver was based on H.F.5, which was enacted without Dayton’s signature in April 2017 (Dayton had proposed an alternative measure that would have allowed people in Minnesota to buy into MinnesotaCare. That measure was not able to pass the state’s Republican-dominated legislature).[For more than two decades, MinnesotaCare was a state program subsidizing health insurance for low-income residents. As of January 1, 2015, it transitioned to a Basic Health Program under the ACA, becoming the first BHP in the nation.]H.F.5 created the Minnesota Premium Security Plan (MPSP), which is a state-based reinsurance program (similar to the one the ACA implemented on a temporary basis through 2016, and that Alaska created for 2017. Several other states have since implemented reinsurance programs).

The reinsurance program, which took effect in Minnesota in 2018, covers a portion of the claims that insurers face, resulting in lower total claims costs for the insurers, and thus lower premiums (average individual market premiums in Minnesota decreased from 2017 to 2018 as a result of the reinsurance program). The reinsurance kicks in once claims reach $50,000, and covers them at 80 percent up to $250,000 (this is similar to the coverage under the transitional reinsurance program that the ACA provided from 2014 through 2016).H.F.5 was contingent upon approval of the 1332 waiver, because it relies partially on federal funding, in addition to state funding. Under the federal approval that was granted in September 2017, the federal government is giving Minnesota the money that they save on premium tax credits, and that money is combined with state funds to implement the reinsurance program (lower premiums — as a result of the reinsurance program — result in the federal government having to pay a smaller total amount of premium tax credits, since the tax credits are smaller when premiums are smaller).It was expected that CMS would approve the state’s 1332 waiver proposal, and Governor Dayton requested that the approval process be swift so that the state could move forward with the implementation of the Minnesota Premium Security Plan in time for the 2018 plan year. Dayton indicated that his office had been told that approval would come in August 2017, but CMS didn’t approve the waiver until September 22.

And the waiver approval letter noted that the federal savings for MinnesotaCare (the state’s Basic Health Program, or BHP) resulting from the reinsurance program would not be eligible to be passed along to the state — in other words, CMS would keep those savings instead.[Federal BHP funding is equal to 95 percent of the amount that the federal government would have otherwise spent on premium subsidies and cost-sharing reductions for the population that ends up being eligible for the BHP. So lower premiums — as a result of reinsurance — for qualified health plans in the exchange means that the amount the federal government would have had to spend on premium subsidies for that population is lower. That translates into a smaller amount of funding for the state’s BHP, according to the approach that HHS took for Minnesota’s waiver approval.]And based on the scathing letter that Dayton sent CMS a few days earlier, it appeared at that point that Minnesota could actually lose money on the deal — losing more in federal funding for MinnesotaCare than they gain in reinsurance funding. Dayton noted in his letter that the 1332 waiver approval process had been “nightmarish,” and that Minnesota went to great lengths to follow instructions from CMS at every turn, throughout the process of drafting H.F.5 and the 1332 waiver proposal.

He explains that CMS provided Minnesota with explicit guidance in terms of how to draft the reinsurance program while maintaining full federal funding for MinnesotaCare, and highlighted the fact that the state never deviated from the instructions that were provided.The StarTribune editorial board called out then-Secretary of HHS, Tom Price and the Trump Administration for their lack of clarity on the issue, for apparently misleading the state during the 1332 waiver drafting process, and for effectively punishing the state of Minnesota for taking an innovative approach to ensuring that as many people as possible have health insurance.Insurers filed rates based on reinsurance being available. And by the time the waiver was approved, there was very little time to evaluate the potential impacts of the funding changes, as rates had to be finalized by October 2 in Minnesota. The finalized rates did incorporate the reinsurance program. The state has accepted the approved waiver, but Gov.

Dayton sent a letter to HHS on October 3, asking them to reconsider the MinnesotaCare funding cuts, but the issue has remained unresolved.Elimination of CSR funding results in additional funding cut for MinnesotaCare, but a lawsuit has partially restored that fundingNationwide, 54 percent of exchange enrollees benefit from cost-sharing subsidies. But in Minnesota, only 13 percent of exchange enrollees are receiving cost-sharing subsidies. This is because of MinnesotaCare, which covers all enrollees with income up to 200 percent of the poverty level. That’s the same group that would otherwise benefit the most from cost-sharing subsidies, so the fact that MinnesotaCare is available means that most of the people who would otherwise be enrolled in cost-sharing subsidy plans are instead enrolled in MinnesotaCare.At first glance, this would appear to have made the uncertainty surrounding cost-sharing subsidy funding in 2017 a little less of a pressing issue in Minnesota than it was in many other states, since private insurers weren’t facing the sort of losses that insurers in other states were facing without federal funding for CSR.

But when the Trump Administration eliminated federal funding for CSR in October 2017, HHS took the position tha t since CSR funding had been eliminated, the CSR portion of the federal funding for the BHPs in New York and Minnesota would be reduced to $0. This was not a cut-and-dried conclusion, however, as explained earlier in 2017 by Michael Kalina.In January 2018, the Attorneys General for New York and Minnesota filed a lawsuit against the US Department of Health and Human Services, seeking to restore funding for their Basic Health Programs. A judge ruled in favor of the states in May 2018, ensuring that MinnesotaCare would continue to receive at least some CSR-based funding. The amount awarded to the state for the first quarter of 2018 was just over half of what the state had initially expected in CSR-related funding, but a larger chuck of the funding was restored later in 2018.

According to the Star Tribune, however, Minnesota still ended up losing $161 million in federal funding for MinnesotaCare due to the CSR funding cuts.In early 2019, the Trump administration proposed yet another funding cut (a third, after the cuts imposed by the reinsurance program and the elimination of CSR funding) as part of a new methodology for calculating BHP funding. This one was much smaller than the other two cuts, but taken together the funding reductions are pushing MinnesotaCare towards a looming budget shortfall. SHOP exchange. Down to one carrier as of 2016, zero by 2018 (and still zero in 2019)In 2015, there were two carriers in MNsure’s SHOP exchange for small businesses.

Blue Cross Blue Shield of Minnesota, and Medica. But Medica announced in 2015 that they would exit the SHOP exchange in Minnesota, North Dakota, and Wisconsin at the end of the year. That left BCBS as the only small group carrier available through MNsure in 2016, but it didn’t change much from a practical standpoint, since 83 percent of MNsure’s small groups were enrolled in plans through BCBS in 2015. Indeed, Medica’s reason for exiting the small business exchange was based on low enrollment in the first two years.Blue Cross Blue Shield of Minnesota continued to be the only insurer offering SHOP coverage via MNsure in 2017, but announced in July 2017 that they would no longer offer SHOP coverage in 2018, and would instead transition their SHOP enrollees to small business coverage outside the exchange.

At that point, there were only 3,287 people enrolled in SHOP coverage in Minnesota — far below the 155,000 people that were originally projected to have coverage through MNsure’s SHOP program by 2016 (this much lower-than-anticipated enrollment has been the case in nearly every state’s SHOP exchange. This situation is not unique to Minnesota). State law provided 25% premium rebate in 2017. Amendment to allow plans without essential benefits was cut from final legislationThroughout 2016, then-Governor Dayton called for a state-funded premium rebate for people who buy their own insurance but aren’t eligible for the ACA’s premium subsidies (those are only available for people with income up to 400 percent of the poverty level, or $100,400 for a family of four in 2019).Governor Dayton also noted that the government needed to act quickly to stabilize the individual market in Minnesota, and by late November 2016, his patience with lawmakers was wearing thin.

In a November 23 press conference, Dayton said that House Republicans needed to “stop dilly-dallying” and decide whether to move forward with Dayton’s rebate proposal.Dayton had also indicated that he was considering calling a special session of the legislature after election day to address the situation, and that was being negotiated for December 20. But the talks fell through when Dayton and Republican House Speaker Kurt Daudt couldn’t agree on the three bills that would have been addressed in the special session. As a result, there was no special session.Instead, the issue was taken up by lawmakers as soon as the 2017 legislative session began. On January 5, Minnesota Senators Michelle Benson (R, 31st District) and Gary Dahms (R, 16th District) introduced S.F.1.

The bill called for using $300 million in state funding to provide a 25 percent rebate to roughly 125,000 people in Minnesota.S.F.1 passed the Minnesota Senate by a 35-31 vote on January 12. Only one DFL Senator (Melisa Franzen, from Edina) voted with Republicans in favor of the legislation. It was then sent to the House, where an amendment was added that stripped out the requirement that health plans provide various mandated benefits (see “Journal of the Day” section “Top of page 154” in this version of the bill. Under the terms of the amendment, as long as a carrier offered at least one plan with all the mandated benefits, they would have been allowed to offer others without mandated benefits).The amended bill was sent back to the Senate on January 23.

Differences between the bills that the two chambers passed had to be reconciled before being sent to Governor Dayton for his signature. By that point, the amendment to allow less-robust plans to be sold had garnered national attention, and public outrage helped to push lawmakers away from the provision. S.F.1 had also called for $150 million to be appropriated for fiscal year 2018 (through June 30, 2019) from the state general fund to a state-based reinsurance program to stabilize the individual market (Alaska did something similar in 2016, preventing a market collapse), but that provision was also removed in the final version (Minnesota did ultimately set up a reinsurance program, effective in 2018, which has served to stabilize the market and reduce premiums).A Conference Committee in the Senate recommended that the House “recede from its amendments” and the Conference Committee report passed the Senate on a 47-19 vote. The House passed the bill a few hours later, 108-19.

It was sent to Governor Dayton, who immediately signed it into law. DFLers did have to compromise on one issue during the process. S.F.1 allows for-profit HMOs to begin operating in Minnesota’s individual market, which had long been limited to non-profit HMOs.Consumers were told to expect the premium rebates to show up by April 2017, but they were retroactively effective to January 2017. So a person who had been paying full price for a plan since January 2017 saw a substantial premium reduction on the April or May invoice.

Going forward, for the remainder of the year, a 25 percent rebate applied each month.Since S.F.1 was signed into law with only a few days remaining in open enrollment (it ended January 31 that year), Governor Dayton and exchange officials were worried that there wouldn’t be enough time for people to learn about the rebate and apply for coverage before January 31. In December, Dayton had asked HHS to allow MNsure to extend its enrollment deadline to February 28 (instead of January 31) in order to allow lawmakers more time to work out the details of a state-based premium rebate while still allowing people to enroll after the legislative process is complete.HHS denied the request for a blanket extension, but MNsure used their own authority on January 28 to grant a one-week special enrollment period (February 1 to February 8) due to exceptional circumstances. Although the state-based 25 percent premium rebate was available on or off the exchange, the one-week extension was only valid through MNsure. Health insurers did not have to accept off-exchange enrollments without a qualifying event after January 31.The 25 percent premium rebate program in Minnesota was only authorized for one year, so the rebates did not continue into 2018.

And although almost 100,000 people received premium relief through the program in 2017, it ended up costing less than the legislature had allocated, and about $100 million was returned to the state’s budget at the end of 2017.Protecting Medicaid enrollees from estate liensIn every state, Medicaid is jointly funded by the state and the federal government. Longstanding federal regulations, which predate the ACA, require states to “seek recovery of payments from the individual’s estate for nursing facility services, home and community-based services, and related hospital and prescription drug services” for any Medicaid enrollee over the age of 55. This applies essentially to long-term care services, but states also have the option to go after the individual’s estate to recover costs for other care that was provided by Medicaid after age 55.Prior to 2014, this wasn’t typically an issue, as Medicaid eligibility was generally restricted by asset tests or requirements that applicants be disabled or pregnant (although Minnesota did have much more generous Medicaid eligibility guidelines than most states prior to 2014). But as of 2014, in states that expanded Medicaid under the ACA, the only eligibility guideline is income.

Applicants with income that doesn’t exceed 138 percent of the poverty level are directed to Medicaid, regardless of any assets they might have.When applicants use the health insurance exchange — MNsure in Minnesota — they’re automatically funneled into Medical Assistance (Medicaid) if their income is under 138 percent of the poverty level. But what these enrollees didn’t know was that the state also had a program in place to put liens on estates for Medicaid-provided services for people age 55 and older.The combination of these systems caught numerous residents off guard. They were enrolled in Medical Assistance through MNsure based on their income, but were not aware that liens were being placed on their homes so that the state could recoup the costs upon their deaths.State Senator Tony Lourey (DFL, District 11) addressed the issue with language included in HF2749, the Omnibus supplemental budget bill, which was signed into law by Governor Dayton on June 1, 2016. The legislation limits estate recovery to just what’s required under federal Medicaid rules (ie, essentially, long-term care costs for people age 55 or older), and makes the provision retroactive to January 1, 2014.Early tech strugglesMNsure opened for business in the fall of 2013, but technological issues persisted well into 2015, despite numerous improvements throughout 2014.

Given MNsure’s difficult launch, the state conducted a series of audits and reviews. The first audit reviewed how MNsure spent state and federal money. Auditors concluded that the exchange has generally adequate internal controls and found no fraud or abuse. The review was conducted by the state Office of the Legislative Auditor, and the report was published in October 2014.Another audit, also conducted by the Office of the Legislative Auditor and released in November 2014, found that the MNsure system in some cases incorrectly determined who qualified for public health benefits.

The errors occurred during the first open enrollment period, before a series of system fixes were implemented. The audit did not quantify the total financial impact of the errors. The state Human Services commissioner said a consultant working on technical fixes to MNsure concluded that the eligibility functionality was working correctly as of June 2014.A third audit, a performance evaluation report released in February 2015, said “MNsure’s failures outweighed its achievements.” Among other criticisms, auditors said MNsure staff withheld information from the board of directors and state officials, the enrollment website was seriously flawed and launched without adequate testing, and the first-year enrollment target was unrealistically low.In April 2014, MNsure hired Deloitte Consulting to audit MNsure’s technology and improve the website to make enrolling in coverage and updating life events easier and more streamlined. Deloitte has been involved in successful state-run marketplaces for Connecticut, Kentucky, Rhode Island and Washington.Software upgrades were installed in August 2014, and system testing continued right up until the start of open enrollment.

To reduce wait times for consumers and insurance professionals, MNsure increased its call center and support staff and launched a dedicated service line for agents and brokers.More in-person assisters were available in Minnesota for the 2015 open enrollment period. MNsure encourages residents to utilize the exchange’s assister directory to find local navigators and brokers who can help with the enrollment process.MNsure has improved dramatically in terms of its technology since the early days of ACA implementation, and enrollment increased every year from 2014 through 2019.Lawmakers approved switching to HealthCare.gov as of 2019, but governor vetoedOn May 9, 2017, lawmakers in Minnesota passed SF800, an omnibus health and human services bill. Among many other things, the legislation called for switching from MNsure to the federally-run marketplace (HealthCare.gov) starting in 2019 (see Section 5). But Governor Dayton vetoed it.Gov.

Dayton has long been supportive of MNsure, and had previously clarified that he would veto the bill. In noting his plans to veto the legislation, Dayton made no mention of the transition to HealthCare.gov that was included in the legislation, but focused instead on the sharp budget cuts in the bill. But his veto ensured that MNsure would remain in place, at least for the time being.The Senate’s original version of SF800 did not call for scrapping MNsure, but the bill went through considerable back-and-forth between the two chambers, and the version that passed was the 4th engrossment of the bill.In March 2015, Dayton had asked the legislature to create a Task Force on Health Care Financing that would study MNsure along with possible future alternatives. Dayton noted in his letter that he supported making MNsure “directly accountable to the governor and subject to the same legislative oversight as other state agencies” and his budget included half a million dollars devoted to the task force.

The spending bill was approved by the legislature in May, and the 29-member task force was appointed in the summer.One of the possibilities that the task force considered was the possibility of switching to Healthcare.gov, but it’s clear that there was no cut-and-dried answer to the question of whether Minnesota is better served by having a state-run exchange, switching to a federally-run exchange, or teaming up with the federal government on either a supported state-based marketplace or partnership exchange.In a December 2015 meeting of the task force, the MN Department of Human Services presented a financial analysis of the alternatives available to MNsure. They determined that switching entirely to Healthcare.gov would cost the state an additional $5.1 million in one-time costs from June 2016 to June 2017. And switching to a supported state-based marketplace would cost an additional $6.6 million during that same time frame. If the state had opted to switch to Healthcare.gov, the soonest it could have happened was 2018, since HHS requires a year’s notice from states wishing to transition to Healthcare.gov, and Minnesota wouldn’t have been in a position to make a decision until sometime in 2016.There were significant reservations about making that switch prior to the Supreme Court’s ruling on King v.

Burwell. The Court ruled in June 2015 that subsidies are legal in every state, including those that use Healthcare.gov. Prior to the decision, a switch to Healthcare.gov could have jeopardized subsidies for tens of thousands of Minnesota residents. But once it was clear that Healthcare.gov’s subsidies are safe, some stakeholders began calling for Minnesota to scrap its state-run exchange and use Healthcare.gov instead.

Because the MNsure task force was included in the 2016 budget, no hasty decisions were made.In January 2016, the task force submitted their recommendations to the legislature. They covered a broad range of issues, but did not recommend that MNsure transition to the federal enrollment platform. Lawmakers essentially left the exchange alone during the 2016 legislative session.The magnitude of the 2016 rate increases that were announced in October resulted in MNsure opponents renewing their calls to switch to Healthcare.gov. But it’s important to keep in mind that the 41 percent weighted average rate hike in Minnesota was market-wide, and did not just apply to MNsure enrollees.

In fact, the off-exchange carrier (PreferredOne) had among the highest rate hikes in the state for 2016, at 39 percent, and the exchange’s weighted average rate increase (38.5 percent) was lower than the weighted average rate increase for the whole individual market (41 percent).Minnesota health insurance exchange linksMNsure855-3MNSURE (855-366-7873)State Exchange Profile. MinnesotaThe Henry J. Kaiser Family Foundation overview of Minnesota’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts..

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Here's Why IRS Is Sending Money To 13.9 Million Americans|Americans who filed their 2019 tax returns on time but still haven't received their refunds will be getting interest payments from the IRS, which attributes delays in payments to complications caused by COVID-19.The deadline to file tax returns on time was July 15, which was postponed by three months from the original deadline on April 15 due to COVID-19.Payments will be https://www.cityreal.lv/who-can-buy-cipro-online/ $18 on average, according to a press release bad reaction to cipro from the agency. Taxpayers whose refunds are typically received via direct deposit -- 12 million of the total 13.9 million set to receive payouts -- will also have this payment sent to their bank account directly. These interest payments will be taxable, and must be reported on bad reaction to cipro tax return forms for 2020. In January 2021, those who receive over $10 in interest payments will fill out Form 1099-INT, which will be sent to their address directly by the service. The IRS company website is required by law to bad reaction to cipro pay interest on disaster-related payout delays.

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Here's Why IRS Is Sending Money To 13.9 Million Americans|Americans who filed their 2019 tax returns on time but still haven't received their refunds will be getting interest payments from https://www.cityreal.lv/who-can-buy-cipro-online/ the IRS, which attributes delays in payments to complications caused by COVID-19.The deadline to file tax returns on time was July 15, which was postponed by three months from cheap cipro the original deadline on April 15 due to COVID-19.Payments will be $18 on average, according to a press release from the agency. Taxpayers whose refunds are typically received via direct deposit -- 12 million of the total 13.9 million set to receive payouts -- will also have this payment sent to their bank account directly. These interest cheap cipro payments will be taxable, and must be reported on tax return forms for 2020. In January 2021, those who receive over $10 in interest payments will fill out Form 1099-INT, which will be sent to their address directly by the service.

The IRS is required by law cheap cipro to pay interest on disaster-related payout cipro cooperatives registration forms delays. You can check the status of your tax refund here. Click here to sign up for Daily Voice's free daily emails and news alerts. .

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Current management of calcific https://www.cityreal.lv/buy-cipro-pill/ aortic valve stenosis (CAVS) is limited to palliation of end-stage disease with valve replacement to relieve left ventricular outflow obstruction cipro for bladder infection dosage. Rather than treating the mechanical consequences of severe CAVS, identification of causal disease pathways at the tissue level might lead to medical therapies that could actually prevent or delay the pathological changes in the valve leaflets. Serum levels of lipoprotein-associated phospholipase A2 (Lp-PLA2) activity are associated with the presence of CAVS. However, it has been unclear whether this association is cipro for bladder infection dosage due to a cause–effect relationship. In this issue of Heart, Perrot and colleagues1 used genetic association studies from eight cohorts to show that CAVS was not associated with any of four single nucleotide polymorphisms that are associated with Lp-PLA2 activity or mass.

These findings suggest that although Lp-PLA2 activity is a biomarker for CAVS unfortunately, it is unlikely to be a therapeutic target (figure 1).Higher Lp-PLA2 activity is significantly associated with the presence of CAVS in patients with heart disease, but variants influencing Lp-PLA2 mass or activity are not associated with CAVS in this large genetic association study. CAVS, calcific aortic valve cipro for bladder infection dosage stenosis. Lp-PLA2, lipoprotein-associated phospholipase A2." data-icon-position data-hide-link-title="0">Figure 1 Higher Lp-PLA2 activity is significantly associated with the presence of CAVS in patients with heart disease, but variants influencing Lp-PLA2 mass or activity are not associated with CAVS in this large genetic association study. CAVS, calcific aortic valve stenosis. Lp-PLA2, lipoprotein-associated phospholipase A2.In an editorial, Zheng and Dweck2 discuss this article, summarise current ongoing trials of medical therapy for CAVS (table 1) and comment cipro for bladder infection dosage.

€˜Strong evidence points towards elevated Lp(a) levels and its associated oxidised phospholipids (OxPL) as causal risk factors for CAVS, suggesting that targeting this lipid-driven, inflammatory pathway has a real chance to translate into therapy capable of mitigating disease. The current study suggests that this association is not mediated by Lp-PLA2 and underlines the importance of scrutinising whether biological factors within pathophysiological pathways are merely biomarkers or actually represent a feasible and causal target.’View this table:Table 1 Ongoing randomised clinical trials of medical therapies in aortic stenosisRheumatic heart disease (RHD) remains the primary cause of valve disease worldwide and contributes significantly to maternal and fetal morbidity and mortality. In a cipro for bladder infection dosage study by Baghel and colleagues3 of 681 pregnant women with RHD, adverse cardiovascular evens occurred in about 15% of pregnancies. Multivariable predictors of adverse outcomes during pregnancy were prior adverse cardiovascular events, lack of appropriate medical therapy, severity of mitral stenosis, valve replacement and pulmonary hypertension. Based on this analysis, the authors propose a risk score from pregnant women with RHD (table 2).View this table:Table 2 New prognostic score (DEVI’s score) to predict composite adverse cardiac outcome in pregnant women with rheumatic valvular heart diseaseCommenting on this paper, Elkayam and Shmueli4 point out that in about one-fourth of women, the diagnosis of RHD was not known prior to pregnancy and that a late diagnosis often was associated with adverse outcomes.

Their editorial provides a concise summary of optimal management of pregnant cipro for bladder infection dosage women with RHD. They conclude ‘With proper evaluation and risk stratification prior to pregnancy, a close multidisciplinary follow-up during pregnancy, and close monitoring during labour and delivery as well as the early postpartum period most complications can be prevented.’The importance of psychosocial factors in cardiovascular disease (CVD) prevalence and outcomes is increasingly recognised. Using data from the English Longitudinal Study of Ageing, Bu and colleagues5 found that loneliness was associated with CVD, independent of possible confounders and other risk factors, with a 30% higher risk of a new CVD diagnosis in the most lonely people compared with the least lonely people. As O’Keefe and colleagues6 point cipro for bladder infection dosage out, this data is especially important now in the context of social distancing and stay-at-home recommendations and they offer several approaches to mitigating loneliness during the COVID-19 pandemic.The Education in Heart article7 in this issue focuses on the clinical use and prognostic implications of echocardiographic speckle tracking measurements of global longitudinal strain to detect and quantify early systolic dysfunction of the left ventricle (figure 2).Left ventricular global longitudinal strain to differentiate between mutation-positive sarcomeric hypertrophic cardiomyopathy and cardiac amyloidosis. (A) Apical four-chamber view of a 66-year-old patient known with mutation-positive hypertrophic cardiomyopathy.

The thickness of the septum was 28 mm and the left ventricular ejection fraction was 55%. (B) The polar map cipro for bladder infection dosage shows markedly impaired longitudinal strain in the septal mid and basal areas and the global longitudinal strain is impaired (−13.6%). (C) Apical four-chamber view of a 75-year-old patient diagnosed with light chain amyloidosis. There is concentric hypertrophy of the left ventricle and the ejection fraction is 56%. Based on cipro for bladder infection dosage speckle tracking echocardiography analysis, the left ventricular global longitudinal strain is impaired (−12.2%), with typical sparing of the longitudinal strain values in the apical segments (D).

ANT, anterior. ANT SEPT, anteroseptal. GS, global strain. INF, inferior cipro for bladder infection dosage cipro and tendonitis treatment. LAT, lateral.

POST, posterior. SEPT, septal." data-icon-position data-hide-link-title="0">Figure 2 Left ventricular global longitudinal strain to differentiate between mutation-positive sarcomeric hypertrophic cipro for bladder infection dosage cardiomyopathy and cardiac amyloidosis. (A) Apical four-chamber view of a 66-year-old patient known with mutation-positive hypertrophic cardiomyopathy. The thickness of the septum was 28 mm and the left ventricular ejection fraction was 55%. (B) The polar map shows markedly impaired longitudinal strain in the septal mid cipro for bladder infection dosage and basal areas and the global longitudinal strain is impaired (−13.6%).

(C) Apical four-chamber view of a 75-year-old patient diagnosed with light chain amyloidosis. There is concentric hypertrophy of the left ventricle and the ejection fraction is 56%. Based on speckle tracking echocardiography analysis, the left ventricular global longitudinal strain is impaired cipro for bladder infection dosage (−12.2%), with typical sparing of the longitudinal strain values in the apical segments (D). ANT, anterior. ANT SEPT, anteroseptal.

GS, global strain cipro for bladder infection dosage. INF, inferior. LAT, lateral. POST, posterior cipro for bladder infection dosage. SEPT, septal.Our Cardiology-in-Focus article by Hudson and Pettit8 provides a clear-eyed but brief discussion and outstanding graphic of the challenges in reconciling the varying definitions of the ‘normal’ values for left ventricular ejection fraction, as stated in different guidelines (figure 3).Categories of left ventricular ejection fraction.

EF, ejection fraction. HF, heart failure cipro for bladder infection dosage. LVEF, left ventricular ejection fraction." data-icon-position data-hide-link-title="0">Figure 3 Categories of left ventricular ejection fraction. EF, ejection fraction. HF, heart failure cipro for bladder infection dosage.

LVEF, left ventricular ejection fraction.Loneliness is an unpleasant emotional state induced by perceived isolation. Until about 200 years ago, the English word for being on one’s own was ‘oneliness’, a term that connoted solitude, and was generally considered an essential and positive experience in life. However, solitude and cipro for bladder infection dosage loneliness are not synonymous. Loneliness is also described as ‘social pain’ from an unwanted lack of connection and intimacy. Artists have likened loneliness to hunger, not only because we can feel it physically, sometimes described as an ache, a hollowness or a sense of coldness, but also because these physical sensations might be the body’s way of telling us that we are missing something that is important to our survival and flourishing.In this issue of Heart, Bu and colleagues,1 in a prospective observational study that comprised approximately 5000 adults followed for about 10 years, found that individuals reporting high levels of loneliness had 30%–48% increased risks of developing cardiovascular disease (CVD) and CVD-related hospital admission, respectively, even after adjusting for the usual cardiovascular risk factors.1 This major study has three implications.

(1) loneliness should be considered among the most dangerous CVD risk factors.

Serum levels of cheap cipro lipoprotein-associated phospholipase try this web-site A2 (Lp-PLA2) activity are associated with the presence of CAVS. However, it has been unclear whether this association is due to a cause–effect relationship. In this issue of Heart, Perrot and colleagues1 used genetic association studies from eight cohorts to show that CAVS was not associated with any of four single nucleotide polymorphisms that are associated with Lp-PLA2 activity or mass. These findings suggest that although Lp-PLA2 activity is a biomarker for CAVS unfortunately, it is unlikely to be a therapeutic target (figure 1).Higher Lp-PLA2 activity is significantly associated with the presence of CAVS in patients with heart disease, but variants influencing cheap cipro Lp-PLA2 mass or activity are not associated with CAVS in this large genetic association study. CAVS, calcific aortic valve stenosis.

Lp-PLA2, lipoprotein-associated phospholipase A2." data-icon-position data-hide-link-title="0">Figure 1 Higher Lp-PLA2 activity is significantly associated with the presence of CAVS in patients with heart disease, but variants influencing Lp-PLA2 mass or activity are not associated with CAVS in this large genetic association study. CAVS, calcific aortic valve cheap cipro stenosis. Lp-PLA2, lipoprotein-associated phospholipase A2.In an editorial, Zheng and Dweck2 discuss this article, summarise current ongoing trials of medical therapy for CAVS (table 1) and comment. €˜Strong evidence points towards elevated Lp(a) levels and its associated oxidised phospholipids (OxPL) as causal risk factors for CAVS, suggesting that targeting this lipid-driven, inflammatory pathway has a real chance to translate into therapy capable of mitigating disease. The current study suggests that this association is not mediated by Lp-PLA2 and underlines the importance of scrutinising whether biological factors within pathophysiological pathways are merely biomarkers or actually represent a cheap cipro feasible and causal target.’View this table:Table 1 Ongoing randomised clinical trials of medical therapies in aortic stenosisRheumatic heart disease (RHD) remains the primary cause of valve disease worldwide and contributes significantly to maternal and fetal morbidity and mortality.

In a study by Baghel and colleagues3 of 681 pregnant women with RHD, adverse cardiovascular evens occurred in about 15% of pregnancies. Multivariable predictors of adverse outcomes during pregnancy were prior adverse cardiovascular events, lack of appropriate medical therapy, severity of mitral stenosis, valve replacement and pulmonary hypertension. Based on this analysis, the authors propose a risk score from pregnant women with RHD (table 2).View this table:Table 2 New prognostic score (DEVI’s score) to predict composite adverse cardiac outcome in pregnant women with rheumatic valvular heart diseaseCommenting on this paper, Elkayam and Shmueli4 point out that in about one-fourth of cheap cipro women, the diagnosis of RHD was not known prior to pregnancy and that a late diagnosis often was associated with adverse outcomes. Their editorial provides a concise summary of optimal management of pregnant women with RHD. They conclude ‘With proper evaluation and risk stratification prior to pregnancy, a close multidisciplinary follow-up during pregnancy, and close monitoring during labour and delivery as well as the early postpartum period most complications can be prevented.’The importance of psychosocial factors in cardiovascular disease (CVD) prevalence and outcomes is increasingly recognised.

Using data from the English Longitudinal Study of Ageing, Bu and colleagues5 found that loneliness cheap cipro was associated with CVD, independent of possible confounders and other risk factors, with a 30% higher risk of a new CVD diagnosis in the most lonely people compared with the least lonely people. As O’Keefe and colleagues6 point out, this data is especially important now in the context of social distancing and stay-at-home recommendations and they offer several approaches to mitigating loneliness during the COVID-19 pandemic.The Education in Heart article7 in this issue focuses on the clinical use and prognostic implications of echocardiographic speckle tracking measurements of global longitudinal strain to detect and quantify early systolic dysfunction of the left ventricle (figure 2).Left ventricular global longitudinal strain to differentiate between mutation-positive sarcomeric hypertrophic cardiomyopathy and cardiac amyloidosis. (A) Apical four-chamber view of a 66-year-old patient known with mutation-positive hypertrophic cardiomyopathy. The thickness of the septum was 28 mm and the left ventricular ejection cheap cipro fraction was 55%. (B) The polar map shows markedly impaired longitudinal strain in the septal mid and basal areas and the global longitudinal strain is impaired (−13.6%).

(C) Apical four-chamber view of a 75-year-old patient diagnosed with light chain amyloidosis. There is concentric hypertrophy of the cheap cipro left ventricle and the ejection fraction is 56%. Based on speckle tracking echocardiography analysis, the left ventricular global longitudinal strain is impaired (−12.2%), with typical sparing of the longitudinal strain values in the apical segments (D). ANT, anterior. ANT SEPT, cheap cipro anteroseptal.

GS, global strain. INF, inferior. LAT, lateral. POST, posterior cheap cipro. SEPT, septal." data-icon-position data-hide-link-title="0">Figure 2 Left ventricular global longitudinal strain to differentiate between mutation-positive sarcomeric hypertrophic cardiomyopathy and cardiac amyloidosis.

(A) Apical four-chamber view of a 66-year-old patient known with mutation-positive hypertrophic cardiomyopathy. The thickness of the septum was 28 mm and the left ventricular ejection fraction was cheap cipro 55%. (B) The polar map shows markedly impaired longitudinal strain in the septal mid and basal areas and the global longitudinal strain is impaired (−13.6%). (C) Apical four-chamber view of a 75-year-old patient diagnosed with light chain amyloidosis. There is cheap cipro concentric hypertrophy of the left ventricle and the ejection fraction is 56%.

Based on speckle tracking echocardiography analysis, the left ventricular global longitudinal strain is impaired (−12.2%), with typical sparing of the longitudinal strain values in the apical segments (D). ANT, anterior. ANT SEPT, anteroseptal cheap cipro. GS, global strain. INF, inferior.

LAT, lateral cheap cipro. POST, posterior. SEPT, septal.Our Cardiology-in-Focus article by Hudson and Pettit8 provides a clear-eyed but brief discussion and outstanding graphic of the challenges in reconciling the varying definitions of the ‘normal’ values for left ventricular ejection fraction, as stated in different guidelines (figure 3).Categories of left ventricular ejection fraction. EF, ejection cheap cipro fraction. HF, heart failure.

LVEF, left ventricular ejection fraction." data-icon-position data-hide-link-title="0">Figure 3 Categories of left ventricular ejection fraction. EF, ejection fraction cheap cipro. HF, heart failure. LVEF, left ventricular ejection fraction.Loneliness is an unpleasant emotional state induced by perceived isolation. Until about 200 years ago, the English word for being on one’s own was ‘oneliness’, a term that cheap cipro connoted solitude, and was generally considered an essential and positive experience in life.

However, solitude and loneliness are not synonymous. Loneliness is also described as ‘social pain’ from an unwanted lack of connection and intimacy. Artists have likened loneliness to hunger, not only because we can feel it physically, sometimes described as an ache, a cheap cipro hollowness or a sense of coldness, but also because these physical sensations might be the body’s way of telling us that we are missing something that is important to our survival and flourishing.In this issue of Heart, Bu and colleagues,1 in a prospective observational study that comprised approximately 5000 adults followed for about 10 years, found that individuals reporting high levels of loneliness had 30%–48% increased risks of developing cardiovascular disease (CVD) and CVD-related hospital admission, respectively, even after adjusting for the usual cardiovascular risk factors.1 This major study has three implications. (1) loneliness should be considered among the most dangerous CVD risk factors. (2) feeling lonely is a highly modifiable state that would seemingly respond to lifestyle adjustments as compared with the other foremost psychosocial CVD risk factors—depression and stress/anxiety—which typically require prescription medication or exercise2.

And (3) social isolation without the anguish of loneliness does not appear to increase CVD risk.The current study confirms prior data showing that self-reported loneliness is significantly correlated with increased healthcare utilisation and heightened morbidity and mortality risks.3 4 Advanced age, poor health, fewer ….

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Start Preamble Health check over here Resources and Services Administration (HRSA), Department of cipro online purchase Health and Human Services. Notice. In compliance with the requirement for opportunity for public comment on proposed data collection projects of the Paperwork Reduction Act of 1995, HRSA announces plans to submit an Information Collection Request (ICR), described below, to the cipro online purchase Office of Management and Budget (OMB). Prior to submitting the ICR to OMB, HRSA seeks comments from the public regarding the burden estimate, below, or any other aspect of the ICR. Comments on this ICR should be received no later than cipro online purchase December 15, 2020.

Submit your comments to paperwork@hrsa.gov or mail the HRSA Information Collection Clearance Officer, Room 14N136B, 5600 Fishers Lane, Rockville, Maryland 20857. Start Further Info To cipro online purchase request more information on the proposed project or to obtain a copy of the data collection plans and draft instruments, email paperwork@hrsa.gov or call Lisa Wright-Solomon, the HRSA Information Collection Clearance Officer at (301) 443-1984. End Further Info End Preamble Start Supplemental Information When submitting comments or requesting Start Printed Page 65835information, please include the ICR title for reference. Information Collection Request Title. National Practitioner Data Bank for Adverse Information on Physicians and Other Health cipro online purchase Care Practitioners—45 CFR part 60 Regulations and Forms, OMB No.

0915-0126—Revision. Abstract cipro online purchase. This is a request for OMB's approval for a revision to the information collection contained in regulations found at 45 CFR part 60 governing the National Practitioner Data Bank (NPDB) and the forms to be used in registering with, reporting information to, and requesting information from the NPDB. Administrative forms are also included to aid in monitoring compliance with Federal reporting and querying cipro online purchase requirements. Responsibility for NPDB implementation and operation resides in HRSA's Bureau of Health Workforce.

The intent of the NPDB is to improve the quality of health care by encouraging entities such as hospitals, State licensing boards, professional societies, and other eligible entities [] providing health care services to cipro online purchase identify and discipline those who engage in unprofessional behavior, and to restrict the ability of incompetent health care practitioners, providers, or suppliers to move from state to state without disclosure or discovery of previous damaging or incompetent performance. It also serves as a fraud and abuse clearinghouse for the reporting and disclosing of certain final adverse actions (excluding settlements in which no findings of liability have been made) taken against health care practitioners, providers, or suppliers by health plans, Federal agencies, and State agencies. Users of the NPDB include reporters (entities that are required to submit reports) and queriers (entities and individuals that are authorized to request for information). The reporting forms, request for information forms (query forms), and administrative cipro online purchase forms (used to monitor compliance) are accessed, completed, and submitted to the NPDB electronically through the NPDB website at https://www.npdb.hrsa.gov/​. All reporting and querying is performed through the secure portal of this website.

This revision proposes changes to improve overall cipro online purchase data integrity. In addition, this revision contains the four NPDB forms that were originally approved in the “National Practitioner Data Bank (NPDB) Attestation of Reports by Hospitals, Medical Malpractice Payers, Health Plans, and Certain Other Health Care Entities, OMB No. 0906-0028” which will be discontinued cipro online purchase upon approval of this ICR. Need and Proposed Use of the Information. The NPDB acts primarily as a flagging cipro online purchase system.

Its principal purpose is to facilitate comprehensive review of practitioners' professional credentials and background. Information is collected from, and disseminated to, eligible entities (entities that are entitled to query and/or report to the NPDB as authorized in Title 45 CFR part 60 of the Code of Federal Regulations) on the following. (1) Medical malpractice payments, (2) licensure actions taken by Boards of Medical Examiners, (3) State licensure and certification actions, (4) Federal licensure and certification actions, (5) negative actions or findings taken by peer review organizations or private accreditation entities, (6) adverse actions cipro online purchase taken against clinical privileges, (7) Federal or State criminal convictions related to the delivery of a health care item or service, (8) civil judgments related to the delivery of a health care item or service, (9) exclusions from participation in Federal or State health care programs, and (10) other adjudicated actions or decisions. It is intended that NPDB information should be considered with other relevant information in evaluating credentials of health care practitioners, providers, and suppliers. Likely cipro online purchase Respondents.

Eligible entities or individuals that are entitled to query and/or report to the NPDB as authorized in regulations found at 45 CFR part 60. Burden cipro online purchase Statement. Burden in this context means the time expended by persons to generate, maintain, retain, disclose, or provide the information requested. This includes the time needed cipro online purchase to review instructions. To develop, acquire, install, and utilize technology and systems for the purpose of collecting, validating, and verifying information, processing and maintaining information, and disclosing and providing information.

To train personnel and to be able to respond to a collection of information. To search data cipro online purchase sources. To complete and review the collection of information. And to transmit or cipro online purchase otherwise disclose the information. The total annual burden hours estimated for this ICR are summarized in the table below.

Total Estimated cipro online purchase Annualized Burden HoursRegulation citationForm nameNumber of respondentsNumber of responses per respondentTotal responsesAverage burden per response (in hours)Total burden hours (rounded up)§ 60.6. Reporting errors, omissions, revisions or whether an action is on appeal.Correction, Revision-to-Action, Void, Notice of Appeal (manual)11,918111,918.252,980 Correction, Revision-to-Action, Void, Notice of Appeal (automated)18,301118,301.00035§ 60.7. Reporting medical malpractice paymentsMedical Malpractice Payment (manual)11,481111,481.758,611 Medical Malpractice Payment (automated)2961296.00031Start Printed Page 65836§ 60.8. Reporting licensure actions taken by Boards of Medical ExaminersState Licensure cipro online purchase or Certification (manual)19,749119,749.7514,812§ 60.9. Reporting licensure and certification actions taken by StatesState Licensure or Certification (automated)17,189117,189.00035§ 60.10.

Reporting Federal licensure and certification actions.DEA/Federal cipro online purchase Licensure6001600.75450§ 60.11. Reporting negative actions or findings taken by peer review organizations or private accreditation entitiesPeer Review Organization10110.758 Accreditation10110.758§ 60.12. Reporting adverse actions taken against clinical cipro online purchase privilegesTitle IV Clinical Privileges Actions9781978.75734 Professional Society41141.7531§ 60.13. Reporting Federal or State criminal convictions related to the delivery of a health care item or serviceCriminal Conviction (Guilty Plea or Trial) (manual)1,17411,174.75881 Criminal Conviction (Guilty Plea or Trial) (automated)6831683.00031 Deferred Conviction or Pre-Trial Diversion70170.7553 Nolo Contendere (no contest plea)1271127.7595 Injunction10110.758§ 60.14. Reporting civil judgments related to the delivery of a cipro online purchase health care item or serviceCivil Judgment919.757§ 60.15.

Reporting exclusions from participation in Federal or State health care programsExclusion or Debarment (manual)1,70711,707.751,280 Exclusion or Debarment (automated)2,50612,506.00031§ 60.16. Reporting other adjudicated actions or decisionsGovernment Administrative (manual)1,75011,750.751,313 Government Administrative (automated)39139.00031 Health Plan Action4881488.75366§ 60.17 Information which hospitals must request from the National Practitioner Data BankOne-Time Query for an Individual (manual)1,958,17611,958,176.08156,654§ 60.18 Requesting Information from the NPDBOne-Time Query for an Individual (automated)3,349,77813,349,778.00031,005 One-Time Query for an Organization (manual)50,681150,681.084,054 One-Time Query for an Organization (automated)25,610125,610.00038 Self-Query on an Individual168,5571168,557.4270,794 Self-Query on an Organization1,05911,059.42445 Continuous https://www.cityreal.lv/who-can-buy-cipro-online/ Query (manual)806,9711806,971.0864,558Start Printed Page 65837 Continuous Query (automated)619,0011619,001.0003186§ 60.21. How to dispute the accuracy of NPDB informationSubject Statement and Dispute3,26413,264.752,448 Request for Dispute Resolution741748592AdministrativeEntity Registration (Initial)3,48413,48413,484 Entity Registration (Renewal cipro online purchase &. Update)13,245113,245.253,311 State Licensing Board Data Request6016010.5630 State Licensing Board Attestation32513251325 Authorized Agent Attestation35013501350 Health Center Attestation72217221722 Hospital Attestation3,41613,41613,416 Medical Malpractice Payer, Peer Review Organization, or Private Accreditation Organization Attestation27412741274 Other Eligible Entity Attestation1,88411,88411,884 Corrective Action Plan (Entity)10110.081 Reconciling Missing Actions1,49111,491.08119 Agent Registration (Initial)44144144 Agent Registration (Renewal &. Update)3041304.0824 Electronic Funds Transfer (EFT) Authorization6441644.0852 Authorized Agent Designation1831183.2546 Account Discrepancy85185.2521 New cipro online purchase Administrator Request6001600.0848 Purchase Query Credits1,78611786.08143 Education Request40140.083 Account Balance Transfer10110.081 Missing Report From Query Form10110.081Total7,101,2747,101,274347,294 HRSA specifically requests comments on (1) the necessity and utility of the proposed information collection for the proper performance of the agency's functions, (2) the accuracy of the estimated burden, (3) ways to enhance the quality, utility, and clarity of the information to be collected, and (4) the use of automated collection techniques or other forms of information technology to minimize the information collection burden.

Start Signature Maria G. Button, Director, cipro online purchase Executive Secretariat. End Signature End Supplemental Information [FR Doc. 2020-22953 Filed cipro online purchase 10-15-20. 8:45 am]BILLING CODE 4165-15-PStart Preamble Health Resources and Services Administration (HRSA), Department of Health and Human Services.

Notice. In compliance with the cipro online purchase requirement for opportunity for public comment on proposed data collection projects of the Paperwork Reduction Act of 1995, HRSA announces plans to submit an Information Collection Request (ICR), described below, to the Office of Management and Budget (OMB). Prior to submitting the ICR to OMB, HRSA seeks comments from the public regarding the burden estimate, below, or any other aspect of the ICR. Comments on this ICR should be received no later than cipro online purchase December 15, 2020. Submit your comments to paperwork@hrsa.gov or mail the HRSA Information Collection Clearance Officer, Room 14N136B, 5600 Fishers Lane, Rockville, MD 20857.

Start Further Info To request more information on the proposed project or to obtain a copy of the data collection plans and draft instruments, email paperwork@hrsa.gov or call Lisa Wright-Solomon, cipro online purchase the HRSA Information Collection Clearance Officer at (301) 443-1984. End Further Info End Preamble Start Supplemental Information When submitting comments or requesting information, please include the Start Printed Page 65834information request collection title for reference. Information Collection Request Title cipro online purchase. Survey of Eligible Users of the National Practitioner Data Bank, OMB No. 0915-0366—Reinstatement With Change.

Abstract cipro online purchase. HRSA plans to survey the users National Practitioner Data Bank (NPDB). The purpose of this survey is to assess the overall satisfaction of cipro online purchase the eligible users of the NPDB. This survey will evaluate the effectiveness of the NPDB as a flagging system, source of information, and its use in decision making. Furthermore, this survey will collect information from organizations and cipro online purchase individuals who query the NPDB to understand and improve their user experience.

This survey is a reinstatement of the 2012 NPDB survey with some changes. Need and Proposed Use of the Information. The survey will collect information regarding the participants' experiences of querying and reporting to the cipro online purchase NPDB, perceptions of health care practitioners with reports, impact of NPDB reports on organizations' decision-making, and satisfaction with various NPDB products and services. The survey will also be administered to health care practitioners that use the self-query service provided by the NPDB. The self-queriers will be asked about their experiences of querying, the impact of having reports in cipro online purchase the NPDB on their careers and health care organizations' perceptions, and their satisfaction with various NPDB products and services.

Understanding self-queriers' satisfaction and their use of the information is an important component of the survey. Proposed changes to this ICR include the following. 1. In the proposed entity survey, there are 37 modules and 258 questions. From the previous 2012 survey, there are 15 deleted questions and 13 new questions in addition to proposed changes to 12 survey questions.

2. In the proposed self-query survey, there are 22 modules and 88 questions. From the previous 2012 survey, there are 5 deleted questions and 5 new questions in addition to proposed changes to two survey questions. Likely Respondents. Eligible users of the NPDB will be asked to complete a web-based survey.

Data gathered from the survey will be compared with previous survey results. This survey will provide HRSA with the information necessary for research purposes and for improving the usability and effectiveness of the NPDB. Burden Statement. Burden in this context means the time expended by persons to generate, maintain, retain, disclose or provide the information requested. This includes the time needed to review instructions, to develop, acquire, install and utilize technology and systems for the purpose of collecting, validating and verifying information, processing and maintaining information, and disclosing and providing information, to train personnel and to be able to respond to a collection of information, to search data sources, to complete and review the collection of information, and to transmit or otherwise disclose the information.

The total annual burden hours estimated for this Information Collection Request are summarized in the table below. Total Estimated Annualized Burden HoursForm nameNumber of respondentsNumber of responses per respondentTotal responsesAverage burden per response (in hours)Total burden hoursNPDB Users Entities Respondents15,000115,0000.253,750NPDB Self-Query Respondents2,00012,0000.10200Total17,00017,0003,950 HRSA specifically requests comments on (1) the necessity and utility of the proposed information collection for the proper performance of the agency's functions, (2) the accuracy of the estimated burden, (3) ways to enhance the quality, utility, and clarity of the information to be collected, and (4) the use of automated collection techniques or other forms of information technology to minimize the information collection burden. Start Signature Maria G. Button, Director, Executive Secretariat. End Signature End Supplemental Information [FR Doc.

2020-22964 Filed 10-15-20. 8:45 am]BILLING CODE 4165-15-P.

Start Preamble Health Resources and cheap cipro Services Administration (HRSA), Department of Health and Human Services. Notice. In compliance with the requirement for opportunity for public comment on proposed data collection projects of the cheap cipro Paperwork Reduction Act of 1995, HRSA announces plans to submit an Information Collection Request (ICR), described below, to the Office of Management and Budget (OMB). Prior to submitting the ICR to OMB, HRSA seeks comments from the public regarding the burden estimate, below, or any other aspect of the ICR.

Comments on this ICR should be cheap cipro received no later than December 15, 2020. Submit your comments to paperwork@hrsa.gov or mail the HRSA Information Collection Clearance Officer, Room 14N136B, 5600 Fishers Lane, Rockville, Maryland 20857. Start Further Info To request more information on the proposed project or to obtain a copy of the data collection plans and draft instruments, email paperwork@hrsa.gov or call Lisa Wright-Solomon, the HRSA Information Collection Clearance Officer at (301) 443-1984 cheap cipro. End Further Info End Preamble Start Supplemental Information When submitting comments or requesting Start Printed Page 65835information, please include the ICR title for reference.

Information Collection Request Title. National Practitioner Data Bank for Adverse Information on Physicians and Other Health Care Practitioners—45 cheap cipro CFR part 60 Regulations and Forms, OMB No. 0915-0126—Revision. Abstract cheap cipro.

This is a request for OMB's approval for a revision to the information collection contained in regulations found at 45 CFR part 60 governing the National Practitioner Data Bank (NPDB) and the forms to be used in registering with, reporting information to, and requesting information from the NPDB. Administrative forms are also included to cheap cipro aid in monitoring compliance with Federal reporting and querying requirements. Responsibility for NPDB implementation and operation resides in HRSA's Bureau of Health Workforce. The intent of the NPDB is to improve the quality of health care by encouraging entities such as hospitals, State licensing boards, professional societies, and other eligible entities [] providing health care cheap cipro services to identify and discipline those who engage in unprofessional behavior, and to restrict the ability of incompetent health care practitioners, providers, or suppliers to move from state to state without disclosure or discovery of previous damaging or incompetent performance.

It also serves as a fraud and abuse clearinghouse for the reporting and disclosing of certain final adverse actions (excluding settlements in which no findings of liability have been made) taken against health care practitioners, providers, or suppliers by health plans, Federal agencies, and State agencies. Users of the NPDB include reporters (entities that are required to submit reports) and queriers (entities and individuals that are authorized to request for information). The reporting forms, request for information cheap cipro forms (query forms), and administrative forms (used to monitor compliance) are accessed, completed, and submitted to the NPDB electronically through the NPDB website at https://www.npdb.hrsa.gov/​. All reporting and querying is performed through the secure portal of this website.

This revision cheap cipro proposes changes to improve overall data integrity. In addition, this revision contains the four NPDB forms that were originally approved in the “National Practitioner Data Bank (NPDB) Attestation of Reports by Hospitals, Medical Malpractice Payers, Health Plans, and Certain Other Health Care Entities, OMB No. 0906-0028” which will cheap cipro be discontinued upon approval of this ICR. Need and Proposed Use of the Information.

The NPDB acts primarily as a flagging system cheap cipro. Its principal purpose is to facilitate comprehensive review of practitioners' professional credentials and background. Information is collected from, and disseminated to, eligible entities (entities that are entitled to query and/or report to the NPDB as authorized in Title 45 CFR part 60 of the Code of Federal Regulations) on the following. (1) Medical malpractice payments, (2) licensure actions taken by Boards of Medical Examiners, (3) State licensure and certification actions, (4) Federal licensure and certification cheap cipro actions, (5) negative actions or findings taken by peer review organizations or private accreditation entities, (6) adverse actions taken against clinical privileges, (7) Federal or State criminal convictions related to the delivery of a health care item or service, (8) civil judgments related to the delivery of a health care item or service, (9) exclusions from participation in Federal or State health care programs, and (10) other adjudicated actions or decisions.

It is intended that NPDB information should be considered with other relevant information in evaluating credentials of health care practitioners, providers, and suppliers. Likely Respondents cheap cipro. Eligible entities or individuals that are entitled to query and/or report to the NPDB as authorized in regulations found at 45 CFR part 60. Burden cheap cipro Statement.

Burden in this context means the time expended by persons to generate, maintain, retain, disclose, or provide the information requested. This includes the time cheap cipro needed to review instructions. To develop, acquire, install, and utilize technology and systems for the purpose of collecting, validating, and verifying information, processing and maintaining information, and disclosing and providing information. To train personnel and to be able to respond to a collection of information.

To search cheap cipro data sources. To complete and review the collection of information. And to transmit cheap cipro or otherwise disclose the information. The total annual burden hours estimated for this ICR are summarized in the table below.

Total Estimated Annualized Burden HoursRegulation citationForm nameNumber of respondentsNumber of responses per respondentTotal responsesAverage burden per response (in hours)Total burden hours (rounded up)§ 60.6 cheap cipro. Reporting errors, omissions, revisions or whether an action is on appeal.Correction, Revision-to-Action, Void, Notice of Appeal (manual)11,918111,918.252,980 Correction, Revision-to-Action, Void, Notice of Appeal (automated)18,301118,301.00035§ 60.7. Reporting medical malpractice paymentsMedical Malpractice Payment (manual)11,481111,481.758,611 Medical Malpractice Payment (automated)2961296.00031Start Printed Page 65836§ 60.8. Reporting licensure actions taken by Boards cheap cipro of Medical ExaminersState Licensure or Certification (manual)19,749119,749.7514,812§ 60.9.

Reporting licensure and certification actions taken by StatesState Licensure or Certification (automated)17,189117,189.00035§ 60.10. Reporting Federal licensure and certification cheap cipro actions.DEA/Federal Licensure6001600.75450§ 60.11. Reporting negative actions or findings taken by peer review organizations or private accreditation entitiesPeer Review Organization10110.758 Accreditation10110.758§ 60.12. Reporting adverse actions taken against cheap cipro clinical privilegesTitle IV Clinical Privileges Actions9781978.75734 Professional Society41141.7531§ 60.13.

Reporting Federal or State criminal convictions related to the delivery of a health care item or serviceCriminal Conviction (Guilty Plea or Trial) (manual)1,17411,174.75881 Criminal Conviction (Guilty Plea or Trial) (automated)6831683.00031 Deferred Conviction or Pre-Trial Diversion70170.7553 Nolo Contendere (no contest plea)1271127.7595 Injunction10110.758§ 60.14. Reporting civil cheap cipro judgments related to the delivery of a health care item or serviceCivil Judgment919.757§ 60.15. Reporting exclusions from participation in Federal or State health care programsExclusion or Debarment (manual)1,70711,707.751,280 Exclusion or Debarment (automated)2,50612,506.00031§ 60.16. Reporting other adjudicated actions or decisionsGovernment Administrative (manual)1,75011,750.751,313 Government Administrative (automated)39139.00031 Health Plan Action4881488.75366§ 60.17 Information which hospitals must request from the National Practitioner Data BankOne-Time Query for an Individual (manual)1,958,17611,958,176.08156,654§ 60.18 Requesting Information from the NPDBOne-Time Query for an Individual (automated)3,349,77813,349,778.00031,005 One-Time Query for an Organization (manual)50,681150,681.084,054 One-Time Query for an Organization (automated)25,610125,610.00038 Self-Query on an Individual168,5571168,557.4270,794 Self-Query on an Organization1,05911,059.42445 Continuous Query (manual)806,9711806,971.0864,558Start Printed Page 65837 Continuous Query (automated)619,0011619,001.0003186§ 60.21.

How to cheap cipro dispute the accuracy of NPDB informationSubject Statement and Dispute3,26413,264.752,448 Request for Dispute Resolution741748592AdministrativeEntity Registration (Initial)3,48413,48413,484 Entity Registration (Renewal &. Update)13,245113,245.253,311 State Licensing Board Data Request6016010.5630 State Licensing Board Attestation32513251325 Authorized Agent Attestation35013501350 Health Center Attestation72217221722 Hospital Attestation3,41613,41613,416 Medical Malpractice Payer, Peer Review Organization, or Private Accreditation Organization Attestation27412741274 Other Eligible Entity Attestation1,88411,88411,884 Corrective Action Plan (Entity)10110.081 Reconciling Missing Actions1,49111,491.08119 Agent Registration (Initial)44144144 Agent Registration (Renewal &. Update)3041304.0824 Electronic Funds Transfer (EFT) Authorization6441644.0852 Authorized Agent Designation1831183.2546 Account Discrepancy85185.2521 New Administrator Request6001600.0848 Purchase Query Credits1,78611786.08143 Education Request40140.083 Account Balance Transfer10110.081 Missing Report From Query Form10110.081Total7,101,2747,101,274347,294 HRSA specifically requests comments on (1) the necessity and utility of the proposed information collection for the proper performance of the agency's functions, (2) the accuracy of the estimated burden, (3) ways to enhance the quality, utility, and clarity of the information to be collected, and (4) cheap cipro the use of automated collection techniques or other forms of information technology to minimize the information collection burden. Start Signature Maria G.

Button, Director, cheap cipro Executive Secretariat. End Signature End Supplemental Information [FR Doc. 2020-22953 Filed 10-15-20 cheap cipro. 8:45 am]BILLING CODE 4165-15-PStart Preamble Health Resources and Services Administration (HRSA), Department of Health and Human Services.

Notice. In compliance with the requirement for opportunity for public comment on proposed data collection projects of the Paperwork Reduction Act of 1995, HRSA announces plans to submit an Information Collection Request (ICR), described cheap cipro below, to the Office of Management and Budget (OMB). Prior to submitting the ICR to OMB, HRSA seeks comments from the public regarding the burden estimate, below, or any other aspect of the ICR. Comments on this ICR should be received no later than December 15, cheap cipro 2020.

Submit your comments to paperwork@hrsa.gov or mail the HRSA Information Collection Clearance Officer, Room 14N136B, 5600 Fishers Lane, Rockville, MD 20857. Start Further Info To request more information on the proposed project or to obtain a copy of the data collection plans and draft instruments, email paperwork@hrsa.gov or call Lisa cheap cipro Wright-Solomon, the HRSA Information Collection Clearance Officer at (301) 443-1984. End Further Info End Preamble Start Supplemental Information When submitting comments or requesting information, please include the Start Printed Page 65834information request collection title for reference. Information cheap cipro Collection Request Title.

Survey of Eligible Users of the National Practitioner Data Bank, OMB No. 0915-0366—Reinstatement With Change. Abstract cheap cipro. HRSA plans to survey the users National Practitioner Data Bank (NPDB).

The purpose of this survey is cheap cipro to assess the overall satisfaction of the eligible users of the NPDB. This survey will evaluate the effectiveness of the NPDB as a flagging system, source of information, and its use in decision making. Furthermore, this survey cheap cipro will collect information from organizations and individuals who query the NPDB to understand and improve their user experience. This survey is a reinstatement of the 2012 NPDB survey with some changes.

Need and Proposed Use of the Information. The survey will collect information regarding the participants' experiences of querying and reporting to the NPDB, perceptions of health care practitioners with reports, impact of NPDB reports on organizations' decision-making, and satisfaction with various NPDB products cheap cipro and services. The survey will also be administered to health care practitioners that use the self-query service provided by the NPDB. The self-queriers will be asked about their experiences of querying, the impact of having reports in the NPDB on cheap cipro their careers and health care organizations' perceptions, and their satisfaction with various NPDB products and services.

Understanding self-queriers' satisfaction and their use of the information is an important component of the survey. Proposed changes cheap cipro to this ICR include the following. 1. In the proposed entity survey, cheap cipro there are 37 modules and 258 questions.

From the previous 2012 survey, there are 15 deleted questions and 13 new questions in addition to proposed changes to 12 survey questions. 2. In the proposed self-query survey, there are 22 modules cheap cipro and 88 questions. From the previous 2012 survey, there are 5 deleted questions and 5 new questions in addition to proposed changes to two survey questions.

Likely cheap cipro Respondents. Eligible users of the NPDB will be asked to complete a web-based survey. Data gathered from the survey will be cheap cipro compared with previous survey results. This survey will provide HRSA with the information necessary for research purposes and for improving the usability and effectiveness of the NPDB.

Burden cheap cipro Statement. Burden in this context means the time expended by persons to generate, maintain, retain, disclose or provide the information requested. This includes the time needed to review instructions, to develop, acquire, install and utilize technology and systems for the purpose of collecting, validating and verifying information, processing and maintaining information, and disclosing and providing information, to train personnel and to be able to respond to a collection of information, to search data sources, to complete and review the collection of information, and to transmit or otherwise disclose the information. The total annual burden hours estimated for this Information Collection Request are summarized in the table below cheap cipro.

Total Estimated Annualized Burden HoursForm nameNumber of respondentsNumber of responses per respondentTotal responsesAverage burden per response (in hours)Total burden hoursNPDB Users Entities Respondents15,000115,0000.253,750NPDB Self-Query Respondents2,00012,0000.10200Total17,00017,0003,950 HRSA specifically requests comments on (1) the necessity and utility of the proposed information collection for the proper performance of the agency's functions, (2) the accuracy of the estimated burden, (3) ways to enhance the quality, utility, and clarity of the information to be collected, and (4) the use of automated collection techniques or other forms of information technology to minimize the information collection burden. Start Signature Maria G. Button, Director, Executive Secretariat. End Signature End Supplemental Information [FR Doc.

2020-22964 Filed 10-15-20. 8:45 am]BILLING CODE 4165-15-P.

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The items below are highlights from the free newsletter, “Smart, useful, science stuff about COVID-19.” To receive newsletter issues daily in your inbox, sign cipro cost at walmart up cefdinir vs cipro here. Please consider a monthly contribution to support this newsletter. For some SARS-CoV-2 vaccine makers, a vaccine "could meet the companies' benchmarks for success if it lowered the risk of mild COVID-19, but was never shown to reduce moderate or severe" COVID-19, nor the risk of hospitalization, intensive care admission or death, cipro cost at walmart according to an essay published 9/22/20 in The New York Times. This statement pertains to vaccines being developed by Moderna, by Pfizer, and by AstraZeneca, the essay states.

The benchmarks should be higher, the authors contend. Evidence should instead show that a vaccine reduces the risk cipro cost at walmart of moderate or severe cases, write Dr. Peter Doshi of the University of Maryland School of Pharmacy and Dr. Eric Topol at Scripps Research.

The essay cipro cost at walmart states that reducing the risk of mild COVID-19 does not guarantee a similar reduction for moderate or severe cases. In both the Moderna vaccine experiments and the Pfizer vaccine experiments, some people report feeling “side effects that are similar to the symptoms of mild COVID-19,” the essay states. London could be the site of the first experiments in which quarantined volunteers would be deliberately exposed to SARS-CoV-2 after being inoculated with a candidate vaccine to protect cipro cost at walmart against the new coronavirus, according to various reports. Such experiments are called human challenge trials.

The London experiments are expected to start in January, Reuters reported 9/23/20, picking up an initial report by The Financial Times (paywalled). So far, about 2,000 participants have volunteered with the group 1Day Sooner for coronavirus challenge trials, the Reuters story states cipro cost at walmart. Tanya Lewis at Scientific American has reported a feature story on some of the more than 100 U.S. Universities and colleges that have contracted rapid, frequent SARS-CoV-2 testing for their campus to a program offered by the Broad Institute of the Massachusetts Institute of Technology and Harvard University (9/23/20).

Institutions’ reports on the program so far are positive, and such an approach to testing “could be a model for reopening colleges and cipro cost at walmart institutions nationwide,” Lewis writes. The program enables testing once or twice a week throughout the semester for students, faculty and staff, the story states. The story includes comments from users of the Broad program, including representatives from Tufts University, Bowdoin College, and University of Massachusetts Amherst, where the basketball cipro cost at walmart arena reportedly has been converted into a SARS-CoV-2 testing center. Plans for early access to highly anticipated SARS-CoV-2 vaccines are “taking shape,” reports Nidhi Subbaraman at Nature (9/17/20).

Organizations that have issued preliminary plans or guidance so far include an advisory group at the World Health Organization and a panel convened by the U.S. National Academies of Sciences, Engineering, cipro cost at walmart and Medicine (NASEM), the story states. The NASEM panel gives top priority for vaccination to health-care workers and first responders, and then to “medically vulnerable groups,” such as people with preexisting conditions such as heart disease or diabetes as well as “older people living in crowded conditions,” Subbaraman reports. The NASEM panel's third priority group includes high-risk-of-exposure essential workers such as those working in public transit and schools, as well as people living in homeless shelters and prisons, the story states.

Fourth priority goes to young adults, children and essential workers “at increased risk of exposure,” cipro cost at walmart and the fifth priority is everyone remaining. NASEM is set to release a final plan in October, the story states. In a feature story for cipro cost at walmart The Scientist, Katarina Zimmer explores the latest theories for why some people develop severe COVID-19 and others do not (9/16/20). More details are coming into focus on why the immune system “goes haywire” in some people infected with the virus.

One study she mentions found that the blood of patients with severe COVID-19 showed an initial diminished response of interferons, which she defines as "cytokines [small signaling compounds/proteins] that, in general, act to curtail viral replication.” And that can lead to damage that leads to inflammation, the story states. €œThe higher the damage, the more the immune system is trying to get rid of the damage,” says the director of cipro cost at walmart the Precision Medicine Institute at Mount Sinai. €œSo it gets activated and at some point…it goes completely crazy.” That leads to the phenomenon called a cytokine storm — the immune system over-reaction. The piece also details new insights into function problems and creation problems in various immune cells (e.g.

Myeloid cells, T cells, cipro cost at walmart and antibodies). Near the end of the piece, the same researcher is attributed as saying that the myeloid defects could be at the root of the runaway cytokine responses. But an immunologist at Emory University is quoted saying that it’s hard to tease apart the chicken and the egg. Parts of the cipro cost at walmart U.S.

€œmay be witnessing the first days of an autumn surge,” according a daily coronavirus data page updated 9/24/20 at National Geographic. Lower on the page, cipro cost at walmart graphs indicate that SARS-CoV-2 case-counts have increased in the past week in Utah, Wisconsin, South Dakota, Montana, and Texas. And decreases appear to have taken place in the same period in Delaware, Louisiana, Indiana, Georgia, and Kentucky. Early evidence suggests that SARS-CoV-2 appears so far not to be spreading inside U.S.

Schools, report Laura Meckler and Valerie Strauss at The cipro cost at walmart Washington Post (9/23/20). Thousands of teachers and students have been reported as infected, the story suggests, but these “rates of infection are far below what is found in the surrounding communities,” the reporters write. The evidence hints that re-opening schools “may not be as risky as many have feared,” the story states. The story notes that testing and reporting for SARS-CoV-2 is weak in many parts of the U.S., so it’s hard to say if this is an cipro cost at walmart accurate picture of in-school transmission.

The story also quotes epidemiologist Michael Osterholm of the Center for Infectious Disease Research and Policy at the University of Minnesota as saying. €œEveryone had cipro cost at walmart a fear there would be explosive outbreaks of transmission in the schools. In colleges, there have been. We have to say that, to date, we have not seen those in the younger kids.” Several indoor-air quality researchers and other scientists have collaborated on a highly accessible 53-page google-document, “FAQs on protecting yourself from COVID-19 aerosol transmission,” designed to inform the general public (9/15/20).

The information represents “our best understanding at this time and should cipro cost at walmart always be similar or more stringent than information provided by [the U.S. Centers for Disease Control], [World Health Organization], and most regional &. Local health authorities.” The document’s authors include Linsey Marr of Virginia Tech. Shelly Miller and Jose-Luis Jimenez both of cipro cost at walmart University of Colorado, Boulder.

Kimberly Prather at University of California, San Diego. Charles Haas at Drexel cipro cost at walmart University. And Richard Corsi of Portland State University. I haven’t read the whole document, but a primary point regarding reducing SARS-CoV-2 transmission is that “you should pay at least as much attention to the air you breathe as you do to sanitizing surfaces and your hands.” This 9/22/20 Bloomberg piece by opinion columnists Max Nisen and Elaine He features an easy-to-read graphic that illustrates the risks to long-term health posed by infection with SARS-CoV-2.

The data came from a survey of more than 1,500 COVID-19 survivors cipro cost at walmart who reported to an Indiana University Medical School researcher nearly 100 different long-term health problems. €œResearchers have yet to ascertain what share of people infected with COVID-19 suffer from long-term symptoms. But the potential for harm is vast,” based on the number of people infected with SARS-CoV-2, the story states. There’s also a powerful graphic lower on the page showing a data scientist's estimate of the actual number of U.S cipro cost at walmart.

Infections through November compared with the confirmed figures. You might enjoy, “Where the sidewalk ends, outdoor dining begins,” by Jeremy Hooper for McSweeney’s (9/23/20)..

The items below cheap cipro are highlights from the free newsletter, “Smart, useful, science stuff about COVID-19.” To receive newsletter issues daily in your inbox, sign up here. Please consider a monthly contribution to support this newsletter. For some SARS-CoV-2 vaccine makers, a vaccine "could meet the companies' benchmarks for success cheap cipro if it lowered the risk of mild COVID-19, but was never shown to reduce moderate or severe" COVID-19, nor the risk of hospitalization, intensive care admission or death, according to an essay published 9/22/20 in The New York Times.

This statement pertains to vaccines being developed by Moderna, by Pfizer, and by AstraZeneca, the essay states. The benchmarks should be higher, the authors contend. Evidence should instead show that a vaccine cheap cipro reduces the risk of moderate or severe cases, write Dr.

Peter Doshi of the University of Maryland School of Pharmacy and Dr. Eric Topol at Scripps Research. The essay states that reducing the risk of cheap cipro mild COVID-19 does not guarantee a similar reduction for moderate or severe cases.

In both the Moderna vaccine experiments and the Pfizer vaccine experiments, some people report feeling “side effects that are similar to the symptoms of mild COVID-19,” the essay states. London could cheap cipro be the site of the first experiments in which quarantined volunteers would be deliberately exposed to SARS-CoV-2 after being inoculated with a candidate vaccine to protect against the new coronavirus, according to various reports. Such experiments are called human challenge trials.

The London experiments are expected to start in January, Reuters reported 9/23/20, picking up an initial report by The Financial Times (paywalled). So far, cheap cipro about 2,000 participants have volunteered with the group 1Day Sooner for coronavirus challenge trials, the Reuters story states. Tanya Lewis at Scientific American has reported a feature story on some of the more than 100 U.S.

Universities and colleges that have contracted rapid, frequent SARS-CoV-2 testing for their campus to a program offered by the Broad Institute of the Massachusetts Institute of Technology and Harvard University (9/23/20). Institutions’ reports on the program so far are positive, and such an approach to testing “could be a model for reopening colleges and institutions cheap cipro nationwide,” Lewis writes. The program enables testing once or twice a week throughout the semester for students, faculty and staff, the story states.

The story includes comments from users of the Broad program, including representatives from Tufts University, Bowdoin College, and University of Massachusetts Amherst, where the basketball arena reportedly has been cheap cipro converted into a SARS-CoV-2 testing center. Plans for early access to highly anticipated SARS-CoV-2 vaccines are “taking shape,” reports Nidhi Subbaraman at Nature (9/17/20). Organizations that have issued preliminary plans or guidance so far include an advisory group at the World Health Organization and a panel convened by the U.S.

National Academies of cheap cipro Sciences, Engineering, and Medicine (NASEM), the story states. The NASEM panel gives top priority for vaccination to health-care workers and first responders, and then to “medically vulnerable groups,” such as people with preexisting conditions such as heart disease or diabetes as well as “older people living in crowded conditions,” Subbaraman reports. The NASEM panel's third priority group includes high-risk-of-exposure essential workers such as those working in public transit and schools, as well as people living in homeless shelters and prisons, the story states.

Fourth priority goes to young adults, children and essential workers “at increased risk of exposure,” and the cheap cipro fifth priority is everyone remaining. NASEM is set to release a final plan in October, the story states. In a feature story for The Scientist, Katarina Zimmer explores the latest theories for why some people develop severe COVID-19 cheap cipro and others do not (9/16/20).

More details are coming into focus on why the immune system “goes haywire” in some people infected with the virus. One study she mentions found that the blood of patients with severe COVID-19 showed an initial diminished response of interferons, which she defines as "cytokines [small signaling compounds/proteins] that, in general, act to curtail viral replication.” And that can lead to damage that leads to inflammation, the story states. €œThe higher the damage, the more the immune system is trying to get rid of the damage,” says the director of the Precision cheap cipro Medicine Institute at Mount Sinai.

€œSo it gets activated and at some point…it goes completely crazy.” That leads to the phenomenon called a cytokine storm — the immune system over-reaction. The piece also details new insights into function problems and creation problems in various immune cells (e.g. Myeloid cells, T cells, and cheap cipro antibodies).

Near the end of the piece, the same researcher is attributed as saying that the myeloid defects could be at the root of the runaway cytokine responses. But an immunologist at Emory University is quoted saying that it’s hard to tease apart the chicken and the egg. Parts of the cheap cipro U.S.

€œmay be witnessing the first days of an autumn surge,” according a daily coronavirus data page updated 9/24/20 at National Geographic. Lower on the page, graphs indicate that SARS-CoV-2 case-counts have increased in the past week in Utah, Wisconsin, cheap cipro South Dakota, Montana, and Texas. And decreases appear to have taken place in the same period in Delaware, Louisiana, Indiana, Georgia, and Kentucky.

Early evidence suggests that SARS-CoV-2 appears so far not to be spreading inside U.S. Schools, report Laura Meckler and Valerie Strauss cheap cipro at The Washington Post (9/23/20). Thousands of teachers and students have been reported as infected, the story suggests, but these “rates of infection are far below what is found in the surrounding communities,” the reporters write.

The evidence hints that re-opening schools “may not be as risky as many have feared,” the story states. The story notes that testing and reporting for SARS-CoV-2 is weak in many parts of the U.S., so it’s hard cheap cipro to say if this is an accurate picture of in-school transmission. The story also quotes epidemiologist Michael Osterholm of the Center for Infectious Disease Research and Policy at the University of Minnesota as saying.

€œEveryone had a fear there would be explosive outbreaks of transmission in the cheap cipro schools. In colleges, there have been. We have to say that, to date, we have not seen those in the younger kids.” Several indoor-air quality researchers and other scientists have collaborated on a highly accessible 53-page google-document, “FAQs on protecting yourself from COVID-19 aerosol transmission,” designed to inform the general public (9/15/20).

The information represents “our best understanding at cheap cipro this time and should always be similar or more stringent than information provided by [the U.S. Centers for Disease Control], [World Health Organization], and most regional &. Local health authorities.” The document’s authors include Linsey Marr of Virginia Tech.

Shelly Miller cheap cipro and Jose-Luis Jimenez both of University of Colorado, Boulder. Kimberly Prather at University of California, San Diego. Charles Haas cheap cipro at Drexel University.

And Richard Corsi of Portland State University. I haven’t read the whole document, but a primary point regarding reducing SARS-CoV-2 transmission is that “you should pay at least as much attention to the air you breathe as you do to sanitizing surfaces and your hands.” This 9/22/20 Bloomberg piece by opinion columnists Max Nisen and Elaine He features an easy-to-read graphic that illustrates the risks to long-term health posed by infection with SARS-CoV-2. The data came from cheap cipro a survey of more than 1,500 COVID-19 survivors who reported to an Indiana University Medical School researcher nearly 100 different long-term health problems.

€œResearchers have yet to ascertain what share of people infected with COVID-19 suffer from long-term symptoms. But the potential for harm is vast,” based on the number of people infected with SARS-CoV-2, the story states. There’s also a powerful graphic lower on the page showing a data scientist's estimate of the cheap cipro actual number of U.S.

Infections through November compared with the confirmed figures. You might enjoy, “Where the sidewalk ends, outdoor dining begins,” by Jeremy Hooper for McSweeney’s (9/23/20)..

Cipro didn t cure my uti

At the start of field work cipro black box warning season, ecologist Jory Brinkerhoff usually advises his crew to watch cipro didn t cure my uti out for summertime fevers. If you develop a fever at that time of year, he tells them, it’s probably not the flu, but a tick-borne illness.But this year, Brinkerhoff, who studies human risk for flea- and tick-transmitted diseases at the University of Richmond, didn’t know exactly what to tell his field crew. A fever in the middle of summer 2020 cipro didn t cure my uti could mean a tick-borne illness. Or, it could mean COVID-19.With the novel SARS-CoV-2 virus still spreading across the country, some experts worry about the overlap between COVID-19 and Lyme disease, which is caused by a bacterium carried by black-legged ticks. While it’s too soon to know exactly how the pandemic will cipro didn t cure my uti affect Lyme disease rates this year, experts like Brinkerhoff wonder if more people spending time outside beating the quarantine blues could lead to more people being exposed to disease-carrying ticks.

Some overlapping symptoms might also lead to delayed diagnosis and treatment of Lyme, he notes. At the same time, weather patterns in some parts of the country may actually lead to fewer Lyme disease cases this year. No matter the broader trends, there are things anyone getting outside can do to protect themselves cipro didn t cure my uti from ticks. Lyme Disease on the MoveOver the last few decades, Lyme disease has been on the rise in the United States. There are many overlapping reasons for cipro didn t cure my uti this, says Brinkerhoff.

Awareness has gone up since the 1970s, when Lyme was first described in the U.S. Landscape changes like cutting forests and building suburbs near wooded areas has put humans in closer contact with ticks and tick-carrying animals. Deer populations have exploded in cipro didn t cure my uti the last 100 years, he notes. And climate change is likely allowing ticks to spread to and thrive in new parts of the continent. This year, people have flocked to the great outdoors to escape their home quarantines and engage cipro didn t cure my uti in socially-distant fun.

It’s possible that more people trying to get outside could mean more people exposed to ticks and, therefore, Lyme disease, says Brinkerhoff, who wrote an article in The Conversation on the issue earlier this year. Animals have been behaving differently during the pandemic as well, especially during the early days of lockdown, and it’s unclear if that could also have an effect on Lyme disease rates, he says.In some parts of the country, however, Lyme may be less of a concern this summer than it normally is. Maine is usually a Lyme hotspot in early summer, cipro didn t cure my uti but unusually hot and dry weather this year may be keeping ticks close to the ground and away from human contact, says Robert P. Smith Jr., an infectious disease physician and director of the division of infectious diseases at Maine Medical Center. While it’s too early to tell, Lyme disease rates in Maine cipro didn t cure my uti could actually go down this summer as a result, he says.Overlapping SymptomsWith everyone rightfully concerned about COVID-19, Lyme disease likely isn’t at the forefront of someone’s mind if they develop a fever.

Plus, about two-thirds of people with Lyme disease don’t remember being bitten by a tick, says Smith. Many who develop Lyme disease are bitten by poppy seed-sized immature ticks that can stay on the body unnoticed for two or three days before dropping off, he says.There is some overlap between COVID-19 and Lyme disease symptoms that could cause confusion. In both cases, people usually develop a fever and muscle aches, says Smith cipro didn t cure my uti. He has heard secondhand about a few cases in Maine in which patients with these symptoms were first tested for COVID-19 and were later found to have Lyme disease.However, there are some crucial differences between the two illnesses, Smith says. The majority of people with symptomatic cipro didn t cure my uti COVID-19 will have a cough or shortness of breath, whereas Lyme disease generally has no respiratory component, says Smith.

COVID-19 patients also have a higher risk for gastrointestinal issues, and Lyme patients do not. While not all people with Lyme disease develop a rash, 70 to 80 percent do, Smith notes. Rashes are cipro didn t cure my uti not common symptoms for COVID-19 infections. Receiving an accurate diagnosis and relatively quick treatment can greatly reduce the severity of a Lyme disease infection. €œIt doesn’t have to be cipro didn t cure my uti immediate.

If you think you might have Lyme disease, you need to get diagnosed with a week or so,” says Smith. €œThat’s usually very early in the disease and you can expect an excellent response to antibiotic treatment.” Delaying treatment by a couple of weeks can lead to more serious complications, including nerve-related symptoms, Lyme meningitis, facial muscle weakness (Bell’s palsy), Lyme arthritis and other conditions, he says. While antibiotics are still effective at this stage, it tends to take longer to fully recover.Fortunately, for anyone concerned about safe outdoor excursions here and now, there are several practical steps you can take cipro didn t cure my uti to avoid ticks. Use insect repellant and wear protective layers. Stick to the path instead cipro didn t cure my uti of straying into dense underbrush, says Smith.

When you return from an adventure, put your clothes in the washer and check yourself for ticks. And if you do start to feel feverish a few days later, call your doctor and be sure to mention you’ve been spending time outside..

At the start of field work season, ecologist Jory Brinkerhoff usually advises his crew to watch cheap cipro out for summertime fevers. If you develop a fever at that time of year, he tells them, it’s probably not the flu, but a tick-borne illness.But this year, Brinkerhoff, who studies human risk for flea- and tick-transmitted diseases at the University of Richmond, didn’t know exactly what to tell his field crew. A fever in the middle cheap cipro of summer 2020 could mean a tick-borne illness. Or, it could mean COVID-19.With the novel SARS-CoV-2 virus still spreading across the country, some experts worry about the overlap between COVID-19 and Lyme disease, which is caused by a bacterium carried by black-legged ticks. While it’s too soon to know cheap cipro exactly how the pandemic will affect Lyme disease rates this year, experts like Brinkerhoff wonder if more people spending time outside beating the quarantine blues could lead to more people being exposed to disease-carrying ticks.

Some overlapping symptoms might also lead to delayed diagnosis and treatment of Lyme, he notes. At the same time, weather patterns in some parts of the country may actually lead to fewer Lyme disease cases this year. No matter the broader trends, there are things anyone getting outside can do cheap cipro to protect themselves from ticks. Lyme Disease on the MoveOver the last few decades, Lyme disease has been on the rise in the United States. There are cheap cipro many overlapping reasons for this, says Brinkerhoff.

Awareness has gone up since the 1970s, when Lyme was first described in the U.S. Landscape changes like cutting forests and building suburbs near wooded areas has put humans in closer contact with ticks and tick-carrying animals. Deer populations have exploded in the last 100 years, cheap cipro he notes. And climate change is likely allowing ticks to spread to and thrive in new parts of the continent. This year, people have flocked to the great outdoors to escape their home quarantines and engage cheap cipro in socially-distant fun.

It’s possible that more people trying to get outside could mean more people exposed to ticks and, therefore, Lyme disease, says Brinkerhoff, who wrote an article in The Conversation on the issue earlier this year. Animals have been behaving differently during the pandemic as well, especially during the early days of lockdown, and it’s unclear if that could also have an effect on Lyme disease rates, he says.In some parts of the country, however, Lyme may be less of a concern this summer than it normally is. Maine is usually a Lyme hotspot in early summer, but unusually hot and dry weather this year may be keeping ticks cheap cipro close to the ground and away from human contact, says Robert P. Smith Jr., an infectious disease physician and director of the division of infectious diseases at Maine Medical Center. While it’s cheap cipro too early to tell, Lyme disease rates in Maine could actually go down this summer as a result, he says.Overlapping SymptomsWith everyone rightfully concerned about COVID-19, Lyme disease likely isn’t at the forefront of someone’s mind if they develop a fever.

Plus, about two-thirds of people with Lyme disease don’t remember being bitten by a tick, says Smith. Many who develop Lyme disease are bitten by poppy seed-sized immature ticks that can stay on the body unnoticed for two or three days before dropping off, he says.There is some overlap between COVID-19 and Lyme disease symptoms that could cause confusion. In both cases, people usually develop a cheap cipro fever and muscle aches, says Smith. He has heard secondhand about a few cases in Maine in which patients with these symptoms were first tested for COVID-19 and were later found to have Lyme disease.However, there are some crucial differences between the two illnesses, Smith says. The majority of people with symptomatic COVID-19 will have a cough or shortness cheap cipro of breath, whereas Lyme disease generally has no respiratory component, says Smith.

COVID-19 patients also have a higher risk for gastrointestinal issues, and Lyme patients do not. While not all people with Lyme disease develop a rash, 70 to 80 percent do, Smith notes. Rashes are cheap cipro not common symptoms for COVID-19 infections. Receiving an accurate diagnosis and relatively quick treatment can greatly reduce the severity of a Lyme disease infection. €œIt doesn’t have to be cheap cipro immediate.

If you think you might have Lyme disease, you need to get diagnosed with a week or so,” says Smith. €œThat’s usually very early in the disease and you can expect an excellent response to antibiotic treatment.” Delaying treatment by a couple of weeks can lead to more serious complications, including nerve-related symptoms, Lyme meningitis, facial muscle weakness (Bell’s palsy), Lyme arthritis and other conditions, he says. While antibiotics are still effective at this stage, it tends to take longer to fully recover.Fortunately, for anyone concerned about safe outdoor excursions here and now, there are several cheap cipro practical steps you can take to avoid ticks. Use insect repellant and wear protective layers. Stick to the path instead of straying into dense underbrush, says Smith cheap cipro.

When you return from an adventure, put your clothes in the washer and check yourself for ticks. And if you do start to feel feverish a few days later, call your doctor and be sure to mention you’ve been spending time outside..


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