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<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>FLIP!<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>“Congress
and the White House are working out their scheme for pushing through a healthcare
‘reform’ bill that has more pages than the U.S. Constitution has
words. I guarantee you that not a single member of the House or Senate has a
complete understanding of that legislation any more than they understood all
the implications of the USA PATRIOT Act back in 2001. What the Idaho
Health Freedom Act says is that the citizens of our state won’t be
subject to another federal mandate or turn over another part of their life to
government control.”<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>- Idaho
Governor Otter upon signing the Idaho Health Freedom Act (March 17, 2010)<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><a
href="http://gov.idaho.gov/mediacenter/press/pr2010/prmar10/pr_023.html">http://gov.idaho.gov/mediacenter/press/pr2010/prmar10/pr_023.html</a><o:p></o:p></span></p>
<p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></b></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>--------------------------------------------------------------</span><span
style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>FLOP!<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>Courtesy of HealthCare.gov
at:<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html">http://www.healthcare.gov/law/provisions/retirement/states/id.html</a><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Arial","sans-serif"'>Early
Retiree Reinsurance Program: Idaho<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></b></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Rising
health care costs have made it difficult for employers to provide quality,
affordable health insurance for workers and retirees while also remaining
competitive in the global marketplace. The percentage of large firms providing
workers with retiree health coverage has dropped from 66 percent in 1988 to 29
percent in 2009. Health insurance premiums for older Americans are over four
times more expensive than they are for young adults, and the deductible these
enrollees pay is, on average, almost four times that for a typical
employer-sponsored insurance plan.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>The
Affordable Care Act creates a new program called the Early Retiree <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'>Reinsurance <o:p></o:p></span></a></span></p>
<p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";
color:black;display:none'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'>Reinsurance</span><span
style='color:black;font-weight:normal;text-decoration:none'><br>
A reimbursement system that protects insurers from very high claims. It usually
involves a third party paying part of an insurance company’s claims once
they pass a certain amount. Reinsurance is a way to stabilize an insurance
market and make coverage more available and affordable. <o:p></o:p></span></a></span></b></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";
color:black;display:none'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'> <o:p></o:p></span></a></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Program
to help address this challenge that employers and older employees are
facing. The Early Retiree Reinsurance Program provides $5 billion in
financial assistance to employers and unions to help them maintain coverage for
early retirees age 55 and older who are not yet eligible for <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'>Medicare<o:p></o:p></span></a></span></p>
<p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";
color:black;display:none'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'>Medicare</span><span style='color:
black;font-weight:normal;text-decoration:none'><br>
A Federal health insurance program for people who are age 65 or older and
certain younger people with disabilities. It also covers people with End-Stage
Renal Disease (permanent kidney failure requiring dialysis or a transplant,
sometimes called ESRD). <o:p></o:p></span></a></span></b></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";
color:black;display:none'><a
href="http://www.healthcare.gov/law/provisions/retirement/states/id.html"><span
style='color:black;text-decoration:none'> <o:p></o:p></span></a></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Businesses,
other employers, and unions that are accepted into the program will receive
reimbursement for medical claims for early retirees and their spouses,
surviving spouses, and dependents. Savings can be used to reduce employer
health care costs, provide premium relief to workers and families, or both.
Applicants who are approved into the program receive reinsurance for the claims
of high-cost retirees and their families (80 percent of the costs from $15,000
to $90,000). The program ends on January 1, 2014 when State health insurance
Exchanges are up and running.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>HHS
has approved the following sponsors from Idaho. More applications are being
approved each day.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<ul style='margin-top:0in' type=disc>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Battelle Energy Alliance, LLC <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Blue Cross of Idaho Health Service,
Inc. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Boise Cascade, L.L.C. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Boise Paper Holdings, L.L.C. <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Bonneville Joint School District
#93 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Caldwell School District #132 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Cascade School District 422 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>City of Pocatello <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>County of Bear Lake School
District #33 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>County of Camas School Dist 121 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Idaho Association of School
Administrators <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Idaho Fall School District 91 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Idaho Plumbers and Pipefitters
Health and Welfare Agreement and Declaration of Trust <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Idaho Power Company <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Independent School District of
Boise City No. 1 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Joint Hagerman School District
No. 233 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Middleton School District #134 <o:p></o:p></span></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Payette School District #371 <o:p></o:p></span></li>
<li class=MsoNormal style='color:red;mso-list:l0 level1 lfo1'><b><span
style='font-size:12.0pt;font-family:"Arial","sans-serif"'>State of Idaho <o:p></o:p></span></b></li>
<li class=MsoNormal style='mso-list:l0 level1 lfo1'><span style='font-size:
12.0pt;font-family:"Arial","sans-serif"'>Twin Falls School District #411<o:p></o:p></span></li>
</ul>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>--------------------------------------------------------------</span><span
style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Seeya
round town, Moscow.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Tom
Hansen<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>Moscow,
Idaho<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>"Corporations
are an oppressed minority forced to move headquarters from state to state in
search of friendlier tax codes--sometimes being forced to live just off our
shores in tiny mailboxes." <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>- John
Oliver, The Daily Show<o:p></o:p></span></p>
<p class=MsoNormal><o:p> </o:p></p>
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