Friday, December 28, 2007
Morgan Moran Reports on Giuliani Heading To Florida
December 28, 2007
Is the Rudy Giuliani's campaign floundering? Is he going to leave New Hampshire and head to Florida?
Rudy himself insisted he would spend part of his Christmas vacation here. Maybe even go skiing.And true to his word by Christmas he was back on the stump. At a house party we stumbled across one excited follower - John Deads, the New Hampshire state co-chair of Veterans for Rudy - who said Giuliani was his man because the former mayor of the city of New York would take the war to the Muslims and drive them back into their caves. Another supporter said Rudy was the man to shoot people in the head if need be.
Almost as a supplement to his anti-terrorist message, Rudy often focuses on health care and immigration.He acknowledges health care as a major problem, but hopes the country can provide basic insurance for everyone without a national health insurance system. He looks to free enterprise competition for the solution, although holds out the possibility of government assistance by means of tax cuts so the middle class can obtain coverage. It is a mistake to think the poor don't have health insurance, he says. They are covered by Medicaid. It is the middle class which needs the most help. The Democrats are off on the wrong track, he says, with an emphasis on government regulation. "They think they know more than anybody else." In fact, the poor are being pushed off Medicaid as the Republican government tightens the social welfare plans. Immigration poses another serious division within the country. The best bet here, he suggests, is to use technology to create a real barrier to illegals coming across the southern border with Mexico. Then Giuliani suggests what amounts to an amnesty for those already here. If they don't identify themselves, then they should be kicked out. He would ask the illegals here to come forward. Since no one will know who they are, he is offering them a form of amnesty as well.9/11 has been the centre of his campaign with Giuliani casting himself in the mold of a Churchill. There he was in the midst of the disaster. He doesn't say so, but everyone knows that by contrast, President Bush was jumping about the country from one protected bastion to another
Contributor, Morgan Moran
Is the Rudy Giuliani's campaign floundering? Is he going to leave New Hampshire and head to Florida?
Rudy himself insisted he would spend part of his Christmas vacation here. Maybe even go skiing.And true to his word by Christmas he was back on the stump. At a house party we stumbled across one excited follower - John Deads, the New Hampshire state co-chair of Veterans for Rudy - who said Giuliani was his man because the former mayor of the city of New York would take the war to the Muslims and drive them back into their caves. Another supporter said Rudy was the man to shoot people in the head if need be.
Almost as a supplement to his anti-terrorist message, Rudy often focuses on health care and immigration.He acknowledges health care as a major problem, but hopes the country can provide basic insurance for everyone without a national health insurance system. He looks to free enterprise competition for the solution, although holds out the possibility of government assistance by means of tax cuts so the middle class can obtain coverage. It is a mistake to think the poor don't have health insurance, he says. They are covered by Medicaid. It is the middle class which needs the most help. The Democrats are off on the wrong track, he says, with an emphasis on government regulation. "They think they know more than anybody else." In fact, the poor are being pushed off Medicaid as the Republican government tightens the social welfare plans. Immigration poses another serious division within the country. The best bet here, he suggests, is to use technology to create a real barrier to illegals coming across the southern border with Mexico. Then Giuliani suggests what amounts to an amnesty for those already here. If they don't identify themselves, then they should be kicked out. He would ask the illegals here to come forward. Since no one will know who they are, he is offering them a form of amnesty as well.9/11 has been the centre of his campaign with Giuliani casting himself in the mold of a Churchill. There he was in the midst of the disaster. He doesn't say so, but everyone knows that by contrast, President Bush was jumping about the country from one protected bastion to another
Contributor, Morgan Moran
Wednesday, December 19, 2007
Jacksonville Florida Health Insurance Agency Reports Costs Of Health Care 2008
December 19, 2007
Jacksonville, Florida Health Insurance
Nearly 4 million Floridians under age 65 will spend 11 percent or more of their pre-tax family income on health care costs in 2008, a Moran Insurance report told.
That's almost a 58 percent increase from the 2.4 million residents who spent more than 10 percent of their family income on health care in 2000.
Additionally, the nonprofit consumer health organization says 1.2 million Floridians will spend more than 25 percent of their pre-tax family income on health care next year, a 70 percent increase from 2000, the report says.
The rising costs are not limited to the uninsured. The report says nearly 78 percent of those residents who will spend more than 10 percent of their pre-tax family income in 2008 have health insurance and nearly 73 percent of those people who will spend more than 25 percent have individual health insurance.
Families USA attribute the increases to rising health care premiums and the growing expense co-payments for drugs, doctors and hospital visits.
"Florida families are hit hard in the pocketbooks due to skyrocketing health costs," Executive Director of Families USA Ron Pollack said in a release. "As a result, Floridians are spending much larger portions of their family incomes on health care costs -- and health care is becoming less and less affordable."
To get its numbers, Families USA asked the Lewin Group to analyze data from the U.S. Department of Health and Human Services and the U.S. Census Bureau.
Jacksonville, Florida Health Insurance
Nearly 4 million Floridians under age 65 will spend 11 percent or more of their pre-tax family income on health care costs in 2008, a Moran Insurance report told.
That's almost a 58 percent increase from the 2.4 million residents who spent more than 10 percent of their family income on health care in 2000.
Additionally, the nonprofit consumer health organization says 1.2 million Floridians will spend more than 25 percent of their pre-tax family income on health care next year, a 70 percent increase from 2000, the report says.
The rising costs are not limited to the uninsured. The report says nearly 78 percent of those residents who will spend more than 10 percent of their pre-tax family income in 2008 have health insurance and nearly 73 percent of those people who will spend more than 25 percent have individual health insurance.
Families USA attribute the increases to rising health care premiums and the growing expense co-payments for drugs, doctors and hospital visits.
"Florida families are hit hard in the pocketbooks due to skyrocketing health costs," Executive Director of Families USA Ron Pollack said in a release. "As a result, Floridians are spending much larger portions of their family incomes on health care costs -- and health care is becoming less and less affordable."
To get its numbers, Families USA asked the Lewin Group to analyze data from the U.S. Department of Health and Human Services and the U.S. Census Bureau.
Tuesday, December 11, 2007
Morgan Moran Health Insurance Update
Do More Adults in America Lack Health Insurance? A new U.S. Report Says that is true.
Dec. 11 (Miami, Florida) -- About 42.5 million Americans don't have health insurance, up from about 41 million in 1997, a U.S. government survey released yesterday showed. The group hardest hit was working-age adults, while fewer children lacked coverage.
Of Americans without health benefits, 30.8 million were uninsured for more than a year, according to the survey conducted in the first half of this year by the U.S. Centers for Disease Control and Prevention. About 53.2 million were uninsured at least part of the 12 months before the survey interview.
The growing number of uninsured in the U.S. may bolster efforts by Democrats in Congress to expand government health-care programs, a key election issue in the lead up to polls next year. President George W. Bush has argued instead for adding tax incentives to encourage individuals to buy their own policies.
Most Americans rely on employer-sponsored health insurance. Still, 22 percent of employed adults younger than 64 years -- when Medicare health benefits become accessible -- were uninsured for at least part of the past year, and 14 percent went without coverage for more than 12 months. Among the jobless, 52 percent were uninsured in the preceding year, and 33 percent for more than a year.
Fewer Kids Uninsured
The bright spot was that both the number and percentage of uninsured kids continued the decline begun in 1997, according to the CDC estimates. About 8.6 percent of children, or 6.4 million kids, were without insurance at the time they were surveyed in the first half of this year, down from 13.9 percent, or 9.9 million, in 1997.
About 12.3 percent of children were uninsured at least part of the past year, compared with 18.1 percent in 1997.
Adults 18 to 64 lost the most ground in health coverage over the years of the survey. Of working-age adults, about 19.2 percent were uninsured, or about 35.8 million. That's an increase from 8.9 percent, or 30.8 million, who said in 1997 they lacked medical insurance.
The CDC estimates were based on 41,823 people who participated in the National Health Interview Survey. The Census Bureau, using different data, estimated the number of uninsured at a record 47 million in 2006, according to figures it released Aug. 28.
Dec. 11 (Miami, Florida) -- About 42.5 million Americans don't have health insurance, up from about 41 million in 1997, a U.S. government survey released yesterday showed. The group hardest hit was working-age adults, while fewer children lacked coverage.
Of Americans without health benefits, 30.8 million were uninsured for more than a year, according to the survey conducted in the first half of this year by the U.S. Centers for Disease Control and Prevention. About 53.2 million were uninsured at least part of the 12 months before the survey interview.
The growing number of uninsured in the U.S. may bolster efforts by Democrats in Congress to expand government health-care programs, a key election issue in the lead up to polls next year. President George W. Bush has argued instead for adding tax incentives to encourage individuals to buy their own policies.
Most Americans rely on employer-sponsored health insurance. Still, 22 percent of employed adults younger than 64 years -- when Medicare health benefits become accessible -- were uninsured for at least part of the past year, and 14 percent went without coverage for more than 12 months. Among the jobless, 52 percent were uninsured in the preceding year, and 33 percent for more than a year.
Fewer Kids Uninsured
The bright spot was that both the number and percentage of uninsured kids continued the decline begun in 1997, according to the CDC estimates. About 8.6 percent of children, or 6.4 million kids, were without insurance at the time they were surveyed in the first half of this year, down from 13.9 percent, or 9.9 million, in 1997.
About 12.3 percent of children were uninsured at least part of the past year, compared with 18.1 percent in 1997.
Adults 18 to 64 lost the most ground in health coverage over the years of the survey. Of working-age adults, about 19.2 percent were uninsured, or about 35.8 million. That's an increase from 8.9 percent, or 30.8 million, who said in 1997 they lacked medical insurance.
The CDC estimates were based on 41,823 people who participated in the National Health Interview Survey. The Census Bureau, using different data, estimated the number of uninsured at a record 47 million in 2006, according to figures it released Aug. 28.
Monday, December 10, 2007
Orlando Florida Health Insurance Update
December 10, 2007
Orlando Florida Health Insurance
The Florida Office of Insurance Regulation ordered a couple of unlicensed health insurers and a couple of business organizations to cease selling health insurance in Florida. The state agency said Affinity Health Plans, National Alliance Healthcare, the National Trade Business Alliance Association and the National Alliance of Associations also must pay all outstanding claims and refund all money collected from Florida consumers within 10 days. "This kind of unethical business practice will not be tolerated, so I am stopping it," Insurance Commissioner Kevin McCarty said. The agency said Affinity and NAH have been soliciting Florida consumers through fax advertisements to purchase health insurance, dental insurance, hospitalization coverage, accident insurance, and vision, hearing and chiropractic insurance. It said that since July 2006, about 800 Florida consumers have purchased insurance through either Affinity or NAH. The companies' actions have generated numerous consumer complaints and have led to more than $100,000 in unpaid claims. Consumers with questions or concerns should call the Department of Financial Services' Consumer Helpline at 1-877-693-5236 or visit myfloridacfo.com.AirTran eyes international marketsAirTran Airways is getting ready to move into some international markets. At an airline-industry conference hosted this week by Calyon Securities, AirTran President and Chief Executive Officer Bob Fornaro said the carrier plans to add international routes in 2009. "In 2009, we're going to do a few more Caribbean routes," Fornaro said Tuesday at the conference, which would follow up on AirTran's recent announcement that it will begin service to San Juan, Puerto Rico. (AirTran used to fly to the Bahamas but canceled the service earlier this year.) What's more, Fornaro added, "Probably in 2009, we're going to be looking at Canada, as well."
Orlando Florida Health Insurance
The Florida Office of Insurance Regulation ordered a couple of unlicensed health insurers and a couple of business organizations to cease selling health insurance in Florida. The state agency said Affinity Health Plans, National Alliance Healthcare, the National Trade Business Alliance Association and the National Alliance of Associations also must pay all outstanding claims and refund all money collected from Florida consumers within 10 days. "This kind of unethical business practice will not be tolerated, so I am stopping it," Insurance Commissioner Kevin McCarty said. The agency said Affinity and NAH have been soliciting Florida consumers through fax advertisements to purchase health insurance, dental insurance, hospitalization coverage, accident insurance, and vision, hearing and chiropractic insurance. It said that since July 2006, about 800 Florida consumers have purchased insurance through either Affinity or NAH. The companies' actions have generated numerous consumer complaints and have led to more than $100,000 in unpaid claims. Consumers with questions or concerns should call the Department of Financial Services' Consumer Helpline at 1-877-693-5236 or visit myfloridacfo.com.AirTran eyes international marketsAirTran Airways is getting ready to move into some international markets. At an airline-industry conference hosted this week by Calyon Securities, AirTran President and Chief Executive Officer Bob Fornaro said the carrier plans to add international routes in 2009. "In 2009, we're going to do a few more Caribbean routes," Fornaro said Tuesday at the conference, which would follow up on AirTran's recent announcement that it will begin service to San Juan, Puerto Rico. (AirTran used to fly to the Bahamas but canceled the service earlier this year.) What's more, Fornaro added, "Probably in 2009, we're going to be looking at Canada, as well."
Friday, December 7, 2007
Florida Health Insurance Consultant Compares Health Care Plans
Do you know what health plan would work best for you? Are you a Floridian struggling to make premium payments for your Florida health insurance plan? If so, you are not alone.... Pay close attention to this years Presidential election. What candidate works best for you?
December 7, 2007 -- FloridaHealthInsuranceWeb, a health insurance information web site, in its November 2008 political report says "Hillary Clinton plans to expand Medicare and the federal employees' health insurance plan" and to cover those without adequate workplace insurance. Moran, a Florida health insurance consultant said, Democratic presidential candidate "Barack Obama is casting doubt on Clinton's ability to enforce a requirement in her plan that every American buy health insurance."
"Clinton's plan is the most sweeping universal plan offered by any of the 2008 candidates." According to Moran, her campaign is pulling out all the stops on the health insurance issue.
FloridaHealthInsuranceWeb.com, reporting on each of the presidential candidates positions on healthcare said, "Clinton and Obama are the latest to argue over healthcare. 'The upcoming elections will impact Florida's health care system as far as benefits and rates are concerned' said Moran, 'whichever candidate takes the White House in 2009, Florida residents may end up with better health care than they have today'. "Health insurance is finally on the bargaining table and we all may benefit from it."
Clinton points to her web site where her position on healthcare is clearly stated. On her website www.hillaryclinton.com she has posted the following points:
(1) If you have an insurance plan you like, you can keep it. If you want to change plans or aren't currently covered, you can choose from dozens of the same plans available to members of Congress, or you can opt into a public plan option like Medicare. And working families will get tax credits to help pay their premiums.
(2) Small businesses are the engine of new job growth in the U.S. economy but face bigger challenges when it comes to providing health care for their employees. Hillary would give tax credits to small businesses that provide Florida health insurance to their workers to help defray their coverage costs. This will make small businesses more competitive and help create good jobs with health benefits that will stay here in the US.
(3) Insurance companies won't be able to deny you coverage or drop you because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium. And like other things that you buy, they will have to compete for your business based on quality and price. Families will have the security of knowing that if they become ill or lose their jobs, they won't lose their coverage.
(4) Nobody has worked harder or longer to improve health care than Hillary Clinton. From her time in Arkansas when she improved rural health care to her successful effort to create the SCHIP Children's Affordable Health Insurance program which now covers six million children, Hillary has the strength and experience to ensure that every man, woman and child in America has quality, affordable health care.
"Clinton has been criticizing Obama's health care plan for falling short of universal health coverage" said Moran, because unlike her plan, "Obama's (plan) would not require every American to buy insurance". Obama claims "his plan would lower the cost of insurance and guarantee access", removing the obstacles most often faced by people without insurance.
This week Obama argued that his rival (CLINTON) has been unwilling to say how she would enforce the mandate to buy health insurance. Without enforcement, "Obama said, it is nothing more than an empty 'political talking point'."
"Sen. Clinton still hasn't explained what this mandate is: What's she going to do if somebody doesn't purchase health care? Is she going to fine them? Is she going to garnish their wages?" Obama said.
"One of the problems with Clinton's health insurance approach, is that she hasn't been straight with the American people about how she's going to 'impose this mandate'. And without an enforcement mechanism, there is no mandate. It's just a political talking point," he continued.
A spokesman for the Clinton campaign, Lori Singer commented, "The fact remains that Sen. "Obama is going around saying he has a universal health care plan that in fact excludes 15 million Americans." Obama's own health care plan does include a requirement that families purchase insurance for their children.
Shortly after, Obama sent out a memo noting that in Massachusetts, the only state so far to require residents to buy health insurance, "hundreds of thousands of people have not purchased insurance despite a fine levied on those who fail to do so through their tax returns".
About Morgan Moran and FHI-WebFlorida Health Insurance Web is a health insurance consulting service. Find out about health insurance from the experts in a free online or phone consultation. Florida health insurance web is a source of health insurance news, agents, and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance News or Consultants, or free health insurance quotes, please visit www.FloridaHealthInsuranceWeb.com.
December 7, 2007 -- FloridaHealthInsuranceWeb, a health insurance information web site, in its November 2008 political report says "Hillary Clinton plans to expand Medicare and the federal employees' health insurance plan" and to cover those without adequate workplace insurance. Moran, a Florida health insurance consultant said, Democratic presidential candidate "Barack Obama is casting doubt on Clinton's ability to enforce a requirement in her plan that every American buy health insurance."
"Clinton's plan is the most sweeping universal plan offered by any of the 2008 candidates." According to Moran, her campaign is pulling out all the stops on the health insurance issue.
FloridaHealthInsuranceWeb.com, reporting on each of the presidential candidates positions on healthcare said, "Clinton and Obama are the latest to argue over healthcare. 'The upcoming elections will impact Florida's health care system as far as benefits and rates are concerned' said Moran, 'whichever candidate takes the White House in 2009, Florida residents may end up with better health care than they have today'. "Health insurance is finally on the bargaining table and we all may benefit from it."
Clinton points to her web site where her position on healthcare is clearly stated. On her website www.hillaryclinton.com she has posted the following points:
(1) If you have an insurance plan you like, you can keep it. If you want to change plans or aren't currently covered, you can choose from dozens of the same plans available to members of Congress, or you can opt into a public plan option like Medicare. And working families will get tax credits to help pay their premiums.
(2) Small businesses are the engine of new job growth in the U.S. economy but face bigger challenges when it comes to providing health care for their employees. Hillary would give tax credits to small businesses that provide Florida health insurance to their workers to help defray their coverage costs. This will make small businesses more competitive and help create good jobs with health benefits that will stay here in the US.
(3) Insurance companies won't be able to deny you coverage or drop you because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium. And like other things that you buy, they will have to compete for your business based on quality and price. Families will have the security of knowing that if they become ill or lose their jobs, they won't lose their coverage.
(4) Nobody has worked harder or longer to improve health care than Hillary Clinton. From her time in Arkansas when she improved rural health care to her successful effort to create the SCHIP Children's Affordable Health Insurance program which now covers six million children, Hillary has the strength and experience to ensure that every man, woman and child in America has quality, affordable health care.
"Clinton has been criticizing Obama's health care plan for falling short of universal health coverage" said Moran, because unlike her plan, "Obama's (plan) would not require every American to buy insurance". Obama claims "his plan would lower the cost of insurance and guarantee access", removing the obstacles most often faced by people without insurance.
This week Obama argued that his rival (CLINTON) has been unwilling to say how she would enforce the mandate to buy health insurance. Without enforcement, "Obama said, it is nothing more than an empty 'political talking point'."
"Sen. Clinton still hasn't explained what this mandate is: What's she going to do if somebody doesn't purchase health care? Is she going to fine them? Is she going to garnish their wages?" Obama said.
"One of the problems with Clinton's health insurance approach, is that she hasn't been straight with the American people about how she's going to 'impose this mandate'. And without an enforcement mechanism, there is no mandate. It's just a political talking point," he continued.
A spokesman for the Clinton campaign, Lori Singer commented, "The fact remains that Sen. "Obama is going around saying he has a universal health care plan that in fact excludes 15 million Americans." Obama's own health care plan does include a requirement that families purchase insurance for their children.
Shortly after, Obama sent out a memo noting that in Massachusetts, the only state so far to require residents to buy health insurance, "hundreds of thousands of people have not purchased insurance despite a fine levied on those who fail to do so through their tax returns".
About Morgan Moran and FHI-WebFlorida Health Insurance Web is a health insurance consulting service. Find out about health insurance from the experts in a free online or phone consultation. Florida health insurance web is a source of health insurance news, agents, and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance News or Consultants, or free health insurance quotes, please visit www.FloridaHealthInsuranceWeb.com.
Thursday, December 6, 2007
Florida Health Insurance Group Highlights Health Insurance For 2008
Orlando Florida Health Insurance Dec. 6, 2007FloridaHealthInsuranceWeb.com, a division of Moran Insurance & Financial Solutions, a health insurance consulting service, has produced a non-partisan report of each presidential candidate and their positions on healthcare. 'The upcoming elections will impact Florida's health care system' said consultant Morgan Moran in a phone interview, 'it's up to you as Florida residents to turn out January 29 and choose which candidate delivers the best insurance plan'. Read the full article here...
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