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Federal Action Expanding Access to Quality, Affordable Health Coverage for Millions of Americans Employed by Small Businesses

June 20th, 2018 Comments off

FederalActionExpandingAccesstoQualityAffordableHealthCoverageMillionsofAMericansEmployedbySmallBusiness

Since the passage for ObamaCare – the so-called Affordable Care Act (ACA) – manufactured housing industry businesses of all sizes have been wrestling with the consequences of the law.

The Daily Business News won’t call the effects of the ACA or ObamaCare “unintended consequences” because MIT’s Jonathan Gruber is on video saying that Americans were stupid and uniformed enough to buy the lies being peddled to them. “Lack of transparency is a huge political advantage” – deception or lying – said Gruber in the second video below.

 

But that was then.

The GOP was one vote short – Senator John McCain’s – from a full repeal of ObamaCare, but they did manage to pass a provision in the Tax Cut and Jobs Act that struck down the ACA’s individual mandate.  But that still left the higher costs of health care in place.

The White House and the Department of Labor (DOL) have been working on that problem.  Yesterday, in a statement to MHProNews, the DOL said the following.

President Trump is expanding affordable health coverage options for America’s small businesses and their employees. Many of our laws make healthcare coverage more expensive for small businesses than large companies. Association Health Plans are about more choice, more access, and more coverage.”

– Secretary of Labor Alexander Acosta

 

On June 19, 2018, the U.S. Department of Labor expanded access to affordable health coverage options for America’s small businesses and their employees through Association Health Plans,” the federal agency said to the Daily Business News in a release.

Association Health Plans [AHPs] work by allowing small businesses, including self-employed workers, to band together by geography or industry to obtain healthcare coverage as if they were a single large employer,” the Labor Department said.

Association Health Plans will also be able to strengthen negotiating power with providers from larger risk pools and greater economies of scale, the White House/DOL initiative explained.

The Department of Labor expanded access to Association Health Plans as a result of President Donald J. Trump’s Executive Order Promoting Healthcare Choice and Competition Across the United States.”

Avalere projects that some 3.2 million Americans will end up signing up for one of these plans.

Presidential Executive Order Promoting Healthcare Choice and Competition Across the United States 2017 ManufacturedHousingIndustryMHProNews

DOL Frequently Asked Questions

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How do Association Health Plans work?

  • Association Health Plans (AHPs), under the Department of Labor’s rule, are group health plans that employer groups and associations offer to provide health coverage for employees.
  • AHPs allow small employers to band together to purchase the types of coverage that are available to large employers, which can be less expensive and better tailored to the needs of their employees.
  • The rule allows more employer groups and associations to form AHPs, based on common geography or industry.
  • An AHP could offer coverage to some or all employers in a state, city, county, or a multi-state metro area, or it could offer coverage to businesses in a trade or industry group nationwide.
  • For the first time, working owners without other employees (including sole-proprietors) and their families will be permitted to join AHPs, creating a new path for these hardworking Americans to access affordable, quality health coverage.

 

Are AHPs subject to consumer protections?

  • The rule includes important safeguards. Consumer protections and healthcare anti-discrimination protections apply to large businesses and will also apply to AHPs organized under this rule.
  • AHPs may not charge higher premiums or deny coverage to people because of pre-existing conditions, or cancel coverage because an employee becomes ill.

 

Can AHPs cherry pick plan participants or discriminate based on health factors?

  • No. AHPs cannot cherry pick or discriminate based on health or prior conditions.
  • The rule includes important safeguards. Consumer protections and healthcare anti-discrimination protections apply to large businesses and will also apply to AHPs organized under this rule.

 

Can AHPs vary premiums based on health factors?

  • No. AHPs will not be able to charge different premiums to employees based on their health status.
  • Additionally, AHPs under this rule will not be able to charge employers different rates based on the health status of their employees.
  • The rule includes important safeguards. Consumer protections and healthcare anti-discrimination protections apply to large businesses and will also apply to AHPs organized under this rule.

 

How does the rule expand coverage options for the self-employed?

  • Self-employed individuals who employ other individuals have always been able to join an AHP.
  • Under the rule, self-employed individuals with no other employees can also join an AHP, along with their families.

 

Will states still have regulatory oversight of AHPs under the final rule?

  • Yes. The final rule does not diminish state oversight, which remains in place.
  • States will share enforcement authority with the federal government.

 

Does this rule impact existing AHPs?

  • No. The new rule does not affect previously existing AHPs, which were allowed under prior guidance.
  • Such plans can continue to operate as before, or elect to follow the new requirements if they want to expand within a geographic area, regardless of industry, or to cover the self-employed.
  • New plans can also form and elect to follow either the old guidance or the new rules.

 

Did the Department of Labor consider comments it received in writing the rule?

  • Yes. The Department carefully considered all of the approximately 900 comments received during the rulemaking process.
  • The final rule summarizes and discusses the comments as part of the preamble.

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Related Reports:

Huge Shortage of Doctors Looming, Is ObamaCare the Fix or Blame?

ObamaCareProtestsCreditHotAirPostedDailyBusinesNewsResearchDataReportsManufacturedHousingIndustryMHProNews

Pro-ObamaCare, anti-GOP health care reform protestors. Data, charts, facts. Credit, HotAir. Related report, at this link here.

 

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Battle Over Consumer Financial Protection Bureau’s “Sweeping New” Rule

October 25th, 2017 Comments off

WashingtonDCNightDailyBusinessNewsMHProNews_001The U.S. Chamber of Commerce, in a release, touted its support for a bill that would strike down a new anti-arbitration rule from the Consumer Financial Protection Bureau (CFPB).

 Per the Chamber’s statement, “The CFPB promulgated an anti-arbitration rule that subjects millions of consumer contracts to regulations that degrade consumer protection. Even though this regulation is directed at financial firms, the CFPB’s rule impacts businesses of all types that the Bureau believes touch consumer finance – even mobile telephone service providers and website operators.”

The Senate passed a bill yesterday that will stop the CFPB’s new rule in its tracks. The vote was 50-50, with Vice President Mike Pence breaking the tie.  The House has already passed H.J. Res. 111.  

The House revokes new CFPB arbitration rule by a vote of vote 231-190.  The president has promised to reign in the CFPB, so the Senate passage sealed the fate of this particular anti-arbitration rule. 

This was the CFPB’s latest anti-business, job killing rule, per the Chamber.

HouseFinancialServicesCommitteePressReleaseThe House Financial Services Committee, in a release to MHProNews said, This is a victory for consumers, a defeat for the wealthy trial lawyers lobby and a rejection of the unchecked, unconstitutional and unaccountable CFPB.  Instead of carrying water for the Democrats’ favored special interests, the CFPB should actually work to protect consumers. 

Financial Services Committee Chairman Jeb Hensarling (R-TX) added, “I commend the Senate for joining the House in fighting for consumers and for draining the bureaucratic swamp of yet another political regulation.  Laws that Americans live under must be written by their elected representatives, not unelected and unaccountable bureaucrats.  It’s good to see Congress reclaim its legislative authority and operate as our Constitution requires.

Smaller banks, lenders, and thousands of others in business have also opposed the ever greater encroachment of the agency on American business Life.

One respected manufacturd home industry example, follows.

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Lance Inderman, credit, MHProNews.

It’s my personal opinion that they we have incrementally given up every bit of financial freedom we have lost. Dodd Frank was a big increment along with Obamacare,” industry veteran and prior Texas Manufactured Housing Association Chairman, Lance Inderman has said to MHProNews.

I’m of the opinion that giving up key parts of the reform to get a “win” for posterity makes no sense. We need to keep educating the populace and congress on the facts that we compete on a different price point and therefore a different finance scale with their multi million dollar ocean front homes paid for by their donors.”

In a posted comment on MHProNews, Inderman has also said that, “I started at the bottom working for minimum wage washing dishes, flipping burgers, mopping floors and learning how to deal with the public. I have become successful because of hard work, perseverance and delayed gratification.”

People that produce wealth in the private sector despise government and its tax arm while the wealthy that deal in the public sector despise the true private sector that refuses to be enslaved by government contracts and connections because they don’t know how to do it,” Inderman has said to MHProNews.

The Next In a Periodic Series on Dodd-Frank, CFPB

Nothing changes until it’s challenged.

The Daily Business News will be doing another finance focused report, perhaps as soon as later this week, that impact on manufactured housing. Stay tuned. ## (News, Analysis.)

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SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

 

Pew Research Facts Don’t Lie, How Productive has the Trump Administration Really Been?

August 31st, 2017 Comments off
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Featured image credit, Project Management Hacks.

With a lack of resolve on issues such as a “repeal and replace” of ObamaCare, much of the mainstream media makes it appear that the Trump Administration hasn’t done much of anything since January.

However, a new study from Pew Research Center tells a different story all together.

To date, Congress has passed 55 measures that have been signed into law, 46 of which we consider substantive by our deliberately generous criteria – that is, any legislation other than renaming buildings, awarding medals, commemorating historic events or taking other purely ceremonial actions.”

For this study, Pew Research Center counted all bills that received final legislative approval prior to the August recess, even if they were signed into law after the break.

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Image credit, Pew Research Center.

Of the 46 laws which were considered “substantive” there were “14 whose sole purpose was to overturn various rules adopted by the Obama administration, under the 1996 Congressional Review Act.”

The Trump Administration is the first to utilize the Congressional Review Act in this way. Previously, only one law had ever been undone through this procedure since the Act itself became law.

Those 14 resolutions of disapproval account for about 30% of the substantive laws, and a quarter of all the laws, enacted so far by this Congress.”

The chart to the right shows that over the years the number of laws enacted by Congress has fluctuated. However, it hit an all-time low since 1987 during the years of the 112th Congress (2011-12) with only 20 laws enacted in total.

The current Congress turns out to be the fifth most productive when it comes to enacting substantive laws – tied with the 110th Congress (2007-08).

While the Pew Research study found that while the Trump Administration might be light on signature legislation – such as repealing and replacing ObamaCare or tax reform – nevertheless, there are things happening in Congress.

TrumponomicsFirst6Months9ChartsDailyBusinessNewsManufacturedHousingIndustryMHProNews

The Daily Business News has previously reported on how the economy is responding to the new administration in the first six months.

While Congress continues to debate over key issues like healthcare and tax reform, it’s untrue to say that they haven’t accomplished anything. Rather, this year Congress has been more productive than it has been in nearly a decade. Still, public polling shows Congressional approval just a fraction of what the president’s is. ## (News, analysis.)

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JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.

 

 

 

 

 

Huge Shortage of Doctors Looming, Is ObamaCare the Fix or Blame?

August 8th, 2017 Comments off

NFIBMDShortageNotJustPremiumsManufacturedHousingIndustryProfessionalNewsMHProNewsThe NFIB says that ObamaCare is one of the hottest topics for small business, including manufactured housing.  Indeed, healthcare impacts everyone.

This study about the looming doctor shortage may make the healthcare debate even hotter.

Research by the Association of American Medical Colleges (AAMC) has found that the U.S. could see a severe shortage in healthcare providers in less than a decade.

A 2015 study by the AAMC predicted that by 2025, we could see a shortage of 90,000 providers.

But per a 2017 update by the same group, they found that risk has increased to a potential shortage of 104,000 medical providers by 2030.  That’s according to The Complexities of Physician Supply & Demand: Projects from 2015-2030.

The AAMC study reports that primary care physicians are going to see the largest shortfall.  By 2030, primary care could be up to 43,100 providers short overall.

Your primary care physician is your navigator through the healthcare system,” Dr. Bruce Koeppen, dean of Quinnipiac University said.

They see you for every particular problem you have, they can refer you to specialists if that’s the case, but they’re the ones who know you the best.”

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Supply and Demand for Doctors Credit, Washington Post

 

The reason for this looming shortage is a combination of factors – including a lack of funding for smaller and rural practices that do not see the volume that larger practices do, per RevCycle Intelligence.

Dr.BruceKoeppenMDDeanofQuinnipiacUniversityCreditsQuinnipiacUniversityDailyBusinessNews

Dr. Bruce Koeppen, MD, Dean of Quinnipiac University Credit, Quinnipiac University

The growing shortage of primary care physicians is an outcome of the high cost of an education, per CBS New York.

If you’re graduating from medical school with several hundred thousand dollars in debt, you may choose a sub-specialty where your earning potential is greater,” Dr. Koeppen said.

The Laws of Supply and Demand, Risk and Reward

While Secretary Hillary Clinton supporter, Warren Buffett – chairman of Berkshire Hathaway, which owns Clayton Homes and other industry companies – has said that he thinks the single payer healthcare is the solution, others disagree.

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Hillary Clinton, left, Warren Buffett, right. Credit – Boston Globe.  But Buffett’s stock has soared since the Trump victory. To see Buffett video on this topic, click here  or the picture above. 

But what too few are connecting the dots to is the obvious for those who know economics 101.  When ObamaCare cut the earnings potential of some, that resulted in fewer pursuing specific parts of healthcare as a career.

Based upon the laws of supply and demand, risk and reward, that would grow worse if the nation shifted to single-payer healthcare.

As noted previously, the National Federation of Independent Businesses (NFIB) says failure to repeal and replace ObamaCare with a more market-based and consumer-focused system is holding back faster economic growth.

VPMikePenceNFIBPresidentJunaittaDugganSmallBusinessConfidence

Small-business owners are deeply disappointed,” Jack Mozloom, a spokesman for the NFIB, said. “The high cost of health care has been the No. 1 concern for small business owners for more than three decades.”

Going to the Source – The Doctor’s Voices

Respected cardiologist, David Murdock, MD, shared his thoughts with MHProNews on the looming shortage of the 90,000 or more doctors in the U.S.

DrDavidMurdockCardiologistCreditHealthgradesDailyBusinessNewsMHProNewsMurdock said that he “Certainly agrees that ObamaCare has worsened the shortage [of MDs], which is now reaching crises levels.”

Many of my colleagues retired to avoid the numerous mandates and added cost,” Murdock told MHProNews. “Some physician businesses folded, due to inability to absorb the costs or, like us, were forced to sell out to hospitals.”

He went on to explain that “These mandates are not fully phased in  yet. Many are Medicare related in reaction to ObamaCare stealing billions from Medicare to pay for ObamaCare.”

To rephrase, what Murdock says that ObamaCare is doing to the healthcare system is similar to what another piece of legislation – the Dodd-Frank Act – did to the finance industry. Most manufactured housing industry professionals know that in turn cut off lending options previously offered by lenders and industry companies.

What Does Congress Intend to do about the Potential Shortage?

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Senator Lindsey Graham, (R-SC) Credit, Lindsey Graham Senate.Gov

While congress continues to tackle the issue of healthcare reform and a potential repeal and replace of ObamaCare, Senator Lindsey Graham (R-SC), wants to break the deadlock, by sending the issue back to the states, says Politico.

Instead of having a one-size-fits-all solution from Washington, we should return dollars back to the states to address each individual state’s health care needs. Just like no two patients are the same, no two states’ health care needs are the same,” Graham said.

A solution that works in California may not work in Virginia,” Graham said of the bill. “These funds are already being spent on Obamacare, but instead of having Washington decide, we’ll empower each individual state to choose the path that works best for them.”

The bill would end some of the most troublesome mandates of ObamaCare, including individual and employer insurance mandates. However it would keep popular mandates, like requiring that pre-existing conditions be covered by insurance companies. While popular, strict free-market believers say that’s still a government intervention that will tilt the healthcare markets.

A number of other approaches are being discussed.

But the one in the video shown below is getting scant attention.  Yet, it offers a free market solution that bypasses the hassles that Murdock and others lament.  In fact, Murdock touts this as part of the solution for America.

More Needed 

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U.S. Representative Steve King (R-IA) Credit, Wikipedia

Another example is the Protecting Access to Care Act (PACA), also known as H.R. 1215, which was introduced by Representative Steve King (R-IA). The PACA aims to limit the amount of money someone can win in a non-economic medical malpractice case – as well as the amount that trial lawyers can take from a winning settlement.

The Protecting Access to Care Act targets a key factor reducing the supply of doctors: the high cost of practicing medicine created by trial lawyers abusing the system in pursuit of egregiously large non-economic damage awards in medical malpractice cases. Non-economic damages, which are highly speculative and which vary from case to case, are a major driver of costs in our healthcare system. These awards not only increase the cost of malpractice insurance, they contribute to the wasteful practice of “defensive medicine,” King wrote in an article he contributed to The Des Moines Register.

Enactment of H.R. 1215 would quickly lead to increases in the supply of doctors willing to work in high-risk specialties, while decreasing the number of doctors driven out of practice by abusive lawsuits.”

King has more to say on the topic.

Americans deserve a healthcare system that allows consumers a greater choice in service providers, that encourages doctors to enter, or remain, in high-risk fields, and that protects their tax dollars from being spent on needlessly excessive healthcare costs. The Protecting Access to Care Act achieves all of these goals. Congress should not hesitate to send my important legislation to President Trump. The House has passed my bill. The Senate should do so, too.”

Applying Common Sense, and Economic Basics

The Daily Business News has drawn attention to Dr. Thomas Sowell’s simple point, captured in the quote below.

Thomas Sowell, Ph.D. Economist, Thinker,

Collage credit, Wikipedia and MHProNews.com.

MHProNews will continue to track these and related challenges, while spotlighting the solutions like those noted above, which flow from more free-market focused approaches. ## (News, analysis.)

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4 and 0 – Special Elections and Manufactured Housing – Clayton, Connor, Hamilton

June 29th, 2017 Comments off

SpecialElectionGOPDemsSpecialElectionMHProNewsI don’t care whether you are a liberal, conservative, independent or something else – the bottom line with this year’s [2016 presidential] election was simply more of the same or something new, different or unique,” said Tim Connor, CSP.

Jim Clayton told MHProNews that “my thinking is increasingly optimistic and tends to align with those Republican leaders who are creatively saving-face while migrating back to the fold – and to PresidentDonald the Disruptor.”

But reading or watching much of the mainstream media makes it clear that many feel differently than Clayton’s founder or those who support the “Donald the Disruptor” agenda. #Resistance, insults to the president, his supporters and our industry from those like Keith Olbermann – reported here – have been headline news.

Georgia 6, MSM and MHVille

For several months, the mainstream media (MSM) covered the run-up to the Georgia 6th district special election.

KarenHandleJonOssoffGA6thManufacturedHousingIndustryNewsMHProNews

Karen Handel and Jon Ossoff, photo credit, Britany Photos, provided under fair use guidelines.

Republican Karen Handel won Georgia’s special election on Tuesday, June 20th.  That win kept in the GOP 4-0 vs. Democrats in the post-inauguration special elections.  The race pitted Handel – who emerged from a crowed Republican field – to defeat a young, appealing-to-many Democrat, Jon Ossoff.

While manufactured housing is far from a homogenous group politically, informal surveys have suggested that the professionals in the industry tend to favor President Donald J. Trump’s agenda.

A New York Times survey pre-election in 2016 indicated that most “mobile home” [sic] residents also tended to favor Trump.

DefiningSICinJournalismDailyBusinessNewsMHProNews-comBoth MHI and MHARR have officially welcomed the Trump Administration, notably on areas where regulatory roll backs, pro-growth business policies are being advocated and advanced.

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GMHA – the View of Handel-Ossoff from GA 6th

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Jay Hamilton, Executive Director, Georgia Manufactured Housing Association (GMHA).

The New York Times and the DNC [Democratic National Committee] decided to take this election and show Trump was such a poor President that even a Moderate Democrat could win in a typically Republican suburban district north of Atlanta. Trump only carried the 6th District by 2% because this district has been slowly shifting toward the Dems for the last few years,” said Jay Hamilton, Executive Director for the Georgia Manufactured Housing Association (GMHA), to MHProNews.

All the [pre-election] polls showed Ossoff winning by a few points,” said Hamiliton, “but as it [the race] tightened up, the polls never [properly] reflected the change.”

Hamilton pointed out that record sums were spent, most of it from out-of-state. He noted the appeal of Ossoff and that he had many of the qualities that might have won Democrat.  “They were millennial hunting,” he with Ossoff, he said, trying to get someone who sounded fiscally conservative but socially liberal.

The GMHA exec recalled that “Handel is a very vocal opponent to abortion due to her devout Christian faith,” adding – “she left as Vice President the Susan Koman Cancer Foundation in a stink because she was encouraging them to not fund Planned Parenthood…” Hamilton noted one of the key errors in the Democratic strategy.

The “DNC made a huge deal out of how important this election was to them. They should have kept that to themselves. [They] Kept bragging about Trump was going to hand this to them. This brought out all the Republican voters as well as the Dems who voted for Trump to vote against DNC.”

Hamilton detailed several tactical and strategic errors the Democrats made, including: “They ran a candidate who could not vote in his own district that he was running in. He lives two districts a way.  Bad, Bad, Bad move as [POTUS] Trump would say.”

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Screen capture from GMHA website, shown under fair use guidelines.

What this leaves the DNC with is an 0-4 record, in some cases after having spent huge sums of money in a local race.  Early estimates for this GA6 contest indicate it was the most money ever spent on a congressional race.  Hamilton tells MHProNews to expect to see more of Ossoff in the future, as this is the kind of candidate the DNC is looking to win with.

NBC News’ Chuck Todd has said that while the president doesn’t have a clear majority, he does have a clear polarity of voters, describing his followers a the biggest thing out there in politics today.

Michael Bloomberg – who has considered an independent run for the White House and leans left – has stated that at this point, President Trump is well on his way toward re-election in 2020.

But the current GOP in the House and Senate may – or may not – fare as well, unless they get some key legislative items like a publicly acceptable repeal and replace ObamaCare, and tax reform done.

Democrats are still trailing in fund-raising, so given a mixed mood about the Congress, a plurality for the president and the DNC in disarray, the next 18 months are up for grabs. ##

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Obamacare in the Crosshairs – What’s the President’s Plan?

April 14th, 2017 Comments off
ObamacareInTheCrosshairscreditKPFA-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: KPFA.

In the ongoing battle surrounding Obamacare, its repeal and its replacement, President Donald Trump is utilizing skills and tactics made famous in his book “Art of the Deal.”

In interviews this week, including one with the Wall Street Journal, President Trump said that he’s exploring the idea of withholding key Obamacare payments, a move designed to get Democrats to the table to negotiate.

I don’t want people to get hurt,” said President Trump.

What I think should happen — and will happen — is the Democrats will start calling me and negotiating.”

The move by the President could throw insurance markets into chaos, which in turn could put Democrats in a position to deal on repealing the law.

At the heart of the matter are the payments themselves, known as cost-sharing reductions (CSRs). The payments reimburse insurers for giving discounted deductibles to low-income Obamacare enrollees.

House Republicans have sued over the payments, arguing they are unconstitutional without a congressional appropriation.

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ObamaCare is a jobs killer as well as unpopular with tens of millions of voters. Double digit hikes are coming in 2017, if this bill isn’t repealed and replaced by a GOP president and Congress.

One prominent Democrat spoke out forcefully in response to the President’s proposed move.

President Trump is threatening to hold hostage health care for millions of Americans, many of whom voted for him, to achieve a political goal of repeal that would take health care away from millions more,” said Senate Democratic Leader Charles Schumer (N.Y.)

This cynical strategy will fail. Our position remains unchanged: drop repeal, stop undermining our health care system, and we will certainly sit down and talk about ways to improve the Affordable Care Act.”

President Trump has not said for sure whether he would actually seek to cancel the payments, or whether or not Congress should appropriate the money.

I might continue the payments so that I won’t be blamed for chaos in the system. That’s part of the reason that I may go the other way,” said President Trump.

The longer I’m behind this desk and you have Obamacare, the more I would own it.”

IntheObamacareSnarlTrumpWorksHisMagicAPossibleSolutioncreditLibertyJuice-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Liberty Juice.

While the suit from House Republicans is ongoing, President Trump could simply drop the defense of it and cancel the payments, which would likely result in insurers either spiking premiums or dropping out of the Obamacare market altogether.

Insurers are also pushing for more certainty, as they decide whether or not they will participate in Obamacare next year. Some Congressional Republicans have also called for appropriating the money, which could override any decisions from the Trump administration, and keep payments going.

 

A Real, Practical Solution for Healthcare?

The Daily Business News recently covered the story of Dr. Josh Umbehr of Atlas MD, discussing a potential “best option” for Obamacare repeal and replacement in terms of controlling costs and providing cost-effective services.

Umbehr’s co-op model has already been proven in their clinic, and in other clinics that are doing something similar. For additional insight on this plan and how it would work in combination with the proposed health plan from the Freedom                                 Caucus, MHProNews reached out to a respected MD about the concept.

IntheObamacareSnarlTrumpWorksHisMagicAPossibleSolutioncreditHealthgrades-postedtothedailybusinessnewsmhpronewsmhlivingnews

Dr. David Murdock. Credit: Healthgrades.

I’ve always liked this type of practice. It doesn’t include hospital care or specialty care, but that could be covered by the catastrophic insurance with a large deductible,” Dr. David Murdock, a cardiologist from Wausau, WI, said to MHProNews when asked about this practice.

If I was a primary doctor, I would push this for my patients.”

Murdock explained that this proven medical care system was a case of back-to-the-future.

That’s actually a return to the way medical care was done in the years before Medicare and widespread insurance,” Murdock said. “It’s not new, it’s a return to how it worked well in the past.“ 

You can see the built in mechanism to contain cost,” said Murdock.

For more on Obamacare and its impact on the manufactured housing industry, click here. ##

 

(Image credits are as shown above.)

 

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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

ObamaCare Snarl, Can Trump Work Magic? Possible Back-to-the-Future Medical Solution

March 15th, 2017 Comments off
IntheObamacareSnarlTrumpWorksHisMagicAPossibleSolutioncreditLibertyJuice-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Liberty Juice.

As one of the consummate dealmakers in American history, President Donald Trump is working to pull out all the stops to get a “repeal and replace” solution for ObamaCare done.

With the plan recently put forward by House leadership, led by Speaker Paul Ryan (R-WI), many are saying that it is likely dead on arrival when it comes to a vote in the Senate.  It faces hurdles in the House too.

While some might be frayed at the thought of a battle such as this, President Trump has gone on the offensive, and turned on the charm.

Beginning with a call to Senator Rand Paul (R-KY), who joined forces with the conservative House Freedom Caucus last month to deliver their own version of an ObamaCare replacement, President Trump got to work.

IntheObamacareSnarlTrumpWorksHisMagicAPossibleSolutioncreditBloomberg-postedtothedailybusinessnewsmhpronewsmhlivingnews

Senator Rand Paul. Credit: Bloomberg.

I think we’re wooing each other,” said Paul. “The president sounded open to my ideas.

While his predecessor was more reserved and reclusive in dealing with lawmakers, President Trump has drawn compliments from many corners.

Trump was talking about how we all got to work together, said Representative Tom Cole of Oklahoma, who was part of a group that met with the President recently.

He even said at one point, ‘Maybe we should meet once a week. Maybe we should meet every four days!’”

According to Bloomberg, even a former Republican presidential competitor and critic sees that there’s a desire to make progress.

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Paul Ryan walks though his plan to replace Obamacare. Credit: 10 News.

He’s in a deal-making mode,” said previous GOP rival, Senator Lindsey Graham.

He’s conservative but he’s not ideological. Most of these deals around here fall apart because of ideological objections. There’s actually a chance for President Trump to do things you could never get another Republican to do.

A Combination Solution for Healthcare?

 

In the video above, Dr. Josh Umbehr of Atlas MD, discusses a potential “best option” for ObamaCare repeal and replacment in terms of controlling costs and providing cost-effective services.  Umbehr’s co-op model that has already been proven in their clinic, and many others who are doing something similar.

For additional insight on this plan and how it would work in combination with the proposed health plan from the Freedom Caucus, MHProNews reached out to a respected MD about the concept.

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Dr. David Murdock. Credit: Healthgrades, where patients rated him 5 out of 5 stars.

I’ve always liked this type of practice. It doesn’t include hospital care or specialty care, but that could be covered by the catastrophic insurance with a large deductible,” Dr. David Murdock, a cardiologist from Wausau, WI, said to MHProNews when asked about this practice. “If I was a primary doctor, I would push this for my patients.”

Murdock explained that this proven medical care system was a case of back-to-the-future.

That’s actually a return to the way medical care was done in the years before Medicare and widespread insurance,” Murdock said. “It’s not new, it’s a return to how it worked well in the past.

You can see the built in mechanism to contain cost,” said Murdock.

For more on Obamacare and its impact on the manufactured housing industry, click here. ##

(Image credits are as shown above.)

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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Recent Victories, More Hard Work to Do: NFIB’s Duggan Speaks

February 3rd, 2017 Comments off
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Credit: NFIB.

National Federation of Independent Business (NFIB) President and CEO Juanita Duggan and small business leaders from across the U.S. met with President Trump this week, to explain why small business owners have such a big stake in Supreme Court justice nominee, Neil Gorsuch.

 

The NFIB tells MHProNews that its members understand first-hand the difference that one justice can make, as they were the lead plaintiff in NFIB v. Sebelius, the landmark case against Obamacare.

The controversial law was upheld by a single vote.

In reviewing Gorsuch’s record, the NFIB says the organization found him to be consistently tough on regulatory agencies seeking to expand their authority by rewriting the law. In a very influential decision, Judge Gorsuch challenged the Chevron Doctrine, which gives deference to regulatory agencies to interpret laws in ways that expand their power.

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Juanita Duggan. Credit: NFIB.

Earlier this week, President Trump signed an executive order requiring federal agencies to eliminate two regulations for every new one approved,” wrote Duggan in a letter to members.

His actions to reign in excessive regulation is good news for the small business community. Small and independent businesses have been crushed by the aggressive regulations of the past eight years. According to the 2016 NFIB Small Business Problems and Priorities report, overregulation is now the second most important problem for small business owners.

Duggan also addressed President Trump’s executive order to revive the Keystone XL Pipeline, and, of great importance to small businesses, tax reform.

We are very active on tax reform, one of our key priorities for 2017. President Trump and Congressional leadership agree that taxes are far too high for both pass-through businesses and C corporations. The tax code strongly favors large corporations. NFIB believes that no small business should be paying a higher tax rate than Exxon Mobil,” said Duggan.

I have made it clear to Congress and the President’s team that tax reform starts with small business. Small business employs 58 million Americans and creates more than half of all jobs. If the purpose of tax reform is to grow the economy and create jobs, then it must focus on small business.

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Credit, NFIB.

Duggan and the NFIB have been vocal and active leading up to, and after the election of President Trump, including a report last month about small business optimism being at it’s highest rate in 37 years.

We haven’t seen numbers like this in a long time,” said Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

That report is linked here. For more from the NIFB on small business, click here. ##

(Image credits are as shown above.)

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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Sunday Morning Weekly Recap Manufactured Housing Industry News January 1st 2017 to January 8th 2017

January 8th, 2017 Comments off

sunday-morning-weekly-manufactured-home-pro-news-recap-1-4-to-1-10-2015-mhpronews-com-A new year, a new month, and a new set of featured articles are found on the MHProNews.com home page.

Our theme for will be posted on the Masthead blog Tuesday. More Featured Articles will be posted Tuesday, including addtional ones that are upcoming trade show related.

To see the initial line-up of 3-dozen featured articles for this month, along with the headline commentary, please go to the home page and scroll  below the two center Daily Business News modules.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

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When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: 

We Provide, You Decide.”  ©

 

What’s New On MHLivingNews

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8SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews 

Owner Proves to Skeptics that Seeing is Believing with Today’s Manufactured Homes

 

A “City” Consisting of Only Manufactured Homes

 

Manufactured Home Owners – Satisfaction Survey Redux

 

What’s New On MHProNews

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Saturday January 7th, 2017

 7SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

How Ben Carson Could End Public Housing at HUD

 

Friday January 6th, 2017

 

Carlyle Group, Sun Communities Up, Manufactured Housing CV Down, Broader Markets Hit New Highs

 

The Russians Are Coming With PreFab Homes

 6SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

Agency Offers “Mobile Home Improvement Loans” for Communities and Homes

 

First Canadian to be Inducted in RV/MH Hall of Fame Class of 2017

 

Security Mortgage Group Finances $40,853,000 for Communities in a Week

 

Thursday January 5th, 2017

 

Deer Valley Leaping, UMH, UFPI, MHCV dip, Broader Market Profit Taking

 5SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

Anti Community MHAction Targets Frank Rolfe, RV Horizons and ELS

 

2017 Millennial Housing Revolution. What About Manufactured Housing?

 

Texas Manufactured Housing Association Houston Metro Community Owners Event Approaches

 

More Investor Moves, Insider Action at Sun Communities

 

Wednesday January 4th, 2017

 

Big Day for Patrick, Tricon, Manufactured Housing CV, Broader Markets Up

 

VP Elect Pence Vows Promises Will Be Kept, Jobs, ObamaCare and Regs in Video

 4SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

“Jail Him!” NPR’s “Mobile Home Park Owners Can Spoil An Affordable American Dream” Refuted

 

A Closer Look at Mover – Deer Valley Homebuilders Corp (DVLY) Market Data

 

Gallup – U.S. Liberals Up, but America Still Center-Right Nation Politically

 

Tuesday January 3rd, 2017

 

State of the Industry Report – No Spin, says Chuck Shinn, Ph.D.

 

Sky Falls, Nobility Spikes, Deer Valley Leaps Again – Russell+3 – Trump Rally Resumes

 3SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

Media-Based Attack on Investor-Owned Communities=’The Private Equity Takeover of America’s Neighborhoods’

 

Trexler Cites Regulatory, Economic Conditions in 2016 – Nobility Homes Announces Quarterly Sales, Income, Profit Results

 

New January Issue, Tech Update and Scheduling Notice

  

Monday January 2nd, 2017 

2SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

It’s Not Just Stocks – Dollar Energized, Moving Up vs World Currencies – MH Impact?

 

New Federal Lending Option “Opens” for Manufactured Homes in Quiet, pre-New Year Report

 

Thompson – ‘OMG! Manufactured Home Like My $200,000 House!’

 

Buffett, Billionaires Benefit from Trump Market Jump

 

Sunday January 1st, 2017

 

More Garbage or More Good in 2017 for MHVille?

 1SundayMorningWeeklyRecapManufacturedHousingIndustryNewsJanuary1st2017toJanuary8th2017-postedtoManufacturedHousingIndustryDailyBusinessNewsMHProNews

Happy New Year, 2017 to Manufactured, Modular & PreFab Housing Industry Professionals, Investors ##

 

(Image credits are as shown above.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Hillary & Hispanics, 1.4M Losing Obamacare, Assange’s Internet Cut, WAPO: Election Heating

October 18th, 2016 Comments off
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Julian Assange. Credit: Carl Court, Getty Images.

With 20 days left until the U.S. Presidential election, the U.S. Government has apparently arranged to cut Internet access to WikiLeaks founder Julian Assange.

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Credit: Twitter.

 

USA Today Study

 

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Credit: Getty Images.

While hailing what they dub as the “Trump Effect” for a “marked increase” in Hispanic voter registrations, the facts indicate that Democratic and Hispanic groups just have not surged the numbers beyond the growth of the Hispanic population in general, according to a USA Today report, shared by NewsMax.

Voter registration is up 3.8 percent from 2012, which, can be explained by 2.9 percent population growth since 2012 and 10-percent growth among the Hispanic population since 2010, according to USA Today’s analysis among the 50 counties with the largest Hispanic populations in 10 swing states.

Hispanics now comprise 12 percent of the electorate, an increase from 10 percent in 2012, according to the study.

Republicans are ignoring this growing electorate, and these numbers show that Democrats are leaving a lot of votes on the table too,” Al Noorani, executive director of the National Immigration Forum told USA Today.

But the pro-Clinton L. A. Times daily tracking poll suggests that the Trump campaign may be doing better with Hispanics than is generally reported.  Even with the LA Times subtly or directly attempting to influence their own poll with their coverage and graphics, their poll has nevertheless consistently shown Trump close, ahead and able to bounce back.

The details of their polling indicates a surprisingly strong support for the Trump/Pence campaign among Hispanics, as is reflected in the second tracking poll below.

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Credit, LA Times polling by racial groups. Click to see the image full size.

Over 1 Million to lose ObamaCare Coverage

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Credit: Newsmax.

People around the U.S. are finding out that their health insurance plans will disappear from ObamaCare next year. This will force many to find new coverage at a time when a number of insurers are looking to exit the program, thus shrinking options.

According to Newsmax, At least 1.4 million people in 32 states will lose the Obamacare plan they have.

Aetna Inc., UnitedHealth Group Inc. and some state or regional insurers quitting the law’s markets for individual coverage largely cause this issue.

Sign-ups for Obamacare coverage begin next month. Fallout from the quitting insurers has emerged as the latest threat to the law, which is also a focal point in the U.S. presidential election.  Minnesota’s Democratic governor and former president Bill Clinton are among those who have recently blasted the failures of the program.

According to Bloomberg’s interviews with regulators and insurance customers, plans will be fewer and more expensive, and may not include the same doctors and hospitals.  That is the opposite of the results promised in ‘selling’ the program in Congress.  The Affordable Care Act – a.k.a. ObamaCare – has consistently been under-water in public polls, and was a rallying cry in mid-term election years that resulted in Republican control of first the House, and then the U.S. Senate.

Instead of growing in 2017, Obamacare could shrink, according the research by NewsMax. As of March 31, the law covered 11.1 million people; an Oct. 13 S&P Global Ratings report predicted that enrollment next year will range from an 8 percent decline to a 4 percent gain.

Bloomberg contacted officials in all 50 states and Washington, D.C., and the 1.4 million-person estimate includes 32 states and only plans sold on the individual “exchange” markets.

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Credit: WhiteHouse.gov.

In Texas, Arizona, Georgia and Missouri, insurers have pulled out, but regulators couldn’t or wouldn’t say how many people are affected. Three states didn’t provide sufficient data.

The U.S. Department of Health and Human Services (HHS) said on Thursday that it will contact people losing their coverage and encourage them to sign up with new plans.

The law requires all Americans to have insurance or pay a fine.

As is true for the nation at large, anecdotal evidence indicates that most manufactured housing professionals are unhappy with the law’s negative impact on business, the rising costs and shrinking coverage of healthcare.

Washington Post-ABC News Poll: Clinton +4, But There’s More…

Credit: WAPO

Credit: WAPO

The poll, released on Sunday, shows Clinton up 47% to 43% in a four-way race, which is within the margin of error. Independent NewsMax sees this is a clear sign that Trump may be regaining his momentum, with 20 days remaining until Election Day.

wikileaksbulletpointshannityfox-postedmanufacturedhousingindustrydailybusinessnews-mhpronews

Among the Clinton Campaign revelations by WikiLeaks are comments that disparaged Latinos as ‘needy.’ A recent study demonstrated that 96% of campaign contributions by journalists, editors and those with reporting ties are giving money to the Clinton Campaign. Image credit, Fox News/Sean Hannity shown, which AdWeek noted has surpassed all other cable news shows in their most recent survey of cable news viewership.

Highlights From Sunday’s Report

The Daily Business News published a media first – the exclusive revelation of how Apple was using an update in their iPhone’s iOS10 update – a widget that was promoting anti-Trump news headlines, or pro-Clinton headlines.

Revelations by WikiLeaks, Including Those Impacting or with Implications for the MH Industry

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Tyler Durden, Zero Hedge, Pinterest.

What was widely under-reported last week was the release by WikiLeaks of what Bernie Sanders and his followers asked for repeatedly during his campaign for the Democratic nomination for the presidency.  Namely, the transcripts of Hillary Clinton’s speeches to Goldman Sachs and others on Wall Street, for which Secretary Clinton was paid hundreds of thousands of dollars per speech.

The full transcript of those three leaked speeches are found at the end of this report.

Tyler Durden, writing for Zero Hedge, provided one of the more in-depth looks at what the three leaked speeches, and what those documents reveal about Clinton’s true positions.

As MH industry professionals know, Dodd-Frank has been wildly unpopular with retailers, community operators – indeed virtual all who directly or indirectly benefit from the sale of more manufactured homes.

Some of the bullets from the thousands of emails released are shown in the blue graphics = produced by Fox News – found on this page.

wikileaksbulletsopenborderswikileaksfoxhannitymanufacturedhousingindustrydailybusinessnewsmhpronews

One of the many adverse consequences of the Dodd-Frank act has been the closure of hundreds of community banks and lenders.  MHLivingNews reported a number of MH industry operations that stopped lending, due to regulatory risks, one of those reports is linked here.

What WikiLeaks has spotlighted are a series of vulnerabilities in the Clinton Campaign. MHProNews publisher L. A. “Tony” Kovach has noted that, “Too big to fail” and “too big to jail” are becoming the new normal in U.S. politics in recent years, as opposed to the historic American rule-of-law.  The full election update from Sunday is linked here.

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Kovach notes that public polling shows that most view the political and economic playing field in America has tilted toward the largest companies and rich donors, both of which can afford the high cost of political access.  That leaves the vast majority of Americans and small-to-medium sized businesses out in the cold.

Editorially, without claiming to speak for any of our sponsors, MHProNews has taken the position that builder Trump’s policies are better for manufactured housing and better for the nation. MH industry associations are unlikely to formally support a candidate, because they will have to work with whomever the eventual winner is.

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Credit Fox News, Sean Hannity Show, note – all images on this page are shown under fair use guidelines.

Before and After the Final POTUS Debate, the Wild Card of WikiLeaks

The third and final presidential debate will be carried by the major news networks live, and is this Wednesday starting at 9 PM ET. Before and after the debate, the impact on the race of the steady drip, drip, drip of thousands of leaked Clinton Campaign emails is hard to predict.

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Credit – Fox News, Sean Hannity Show.

Republican strategist Karl Rove notes that polling suggests that some of the swing away from the Trump campaign could be recaptured, if the GOP candidate “stops talking about the sexual allegations against him” – as many of those have already been discredited, and instead “focus on the policy issues” that make Trump/Pence the clearly superior choice for minorities, men and women, indeed the nation as a whole.

The following are a partial list of reasons why Kovach observes the campaign positions publicly held by Hillary Clinton are worse for America, worse for home ownership in general – and in the view of MHProNews editorially – worse for manufactured housing in particular.

  • Clinton promises she will keep Dodd-Frank, while Trump promises to repeal Dodd-Frank, which he says is harming business and job creation.
  • Clinton promises to raise taxes and increase regulations, while Trump favors reduction of job-killing taxes and regulations.
  • Clinton will keep ObamaCare or perhaps go to a Canadian-style single payer system, while Trump is for repealing and replacing ObamaCare, which is failing before the nation’s eyes, and which even Bill Clinton has called “a crazy system.
  • Clinton has said she favors open-borders and free trade, while Trump proposes defending borders, U.S. workers and businesses.

Trump has now set a record for having the most small-donors in GOP history.  His rallies and polling demonstrate more enthusiasm for his America First movement than Clinton has in her smear Trump effort.

In a change election year, her policies would only continue what has already proven to be a failure for the nation.

Manufactured home residents are some 7% of the U.S. population.  In a tight election, the balance of power could lie with the industry’s professionals and our homeowners.

We Provide, You Decide. © ##

(Image credits are as shown above.)

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.