Word: premium
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...convoluted Bowl Championship Series. That's why other prestigious universities that have Division I programs, like Stanford and Northwestern, no longer lose sleep over the fact that their teams aren't in the trophy hunt. Win or lose, their devotees fill the stadiums each Saturday because they enjoy a premium college football game. But they don't suffer existential meltdowns if the team fails to reach the Meineke Car Care Bowl...
...fellow at the Center for Budget and Policy Priorities, says the CLASS Act doesn't have strong enough work requirements, which are intended to be a proxy for physical fitness. Americans who perform only seasonal work, for example, could qualify for the program. He adds that penalties for letting premium payments lapse are not strong enough. "The criticisms are absolutely true, but you design things the best you can. If we only did [legislation] that entailed no risk, I don't think we'd ever do much of anything...
Psychology Professor Anita Blanchard has a pretty sweet deal with her employer. Even if the 40-something mother of three leaves her job at the University of North Carolina at Charlotte, the state of North Carolina guarantees her premium-free health insurance that will cover 80% of her health care costs for life. But's there's a hitch: she can't gain too much weight or start smoking. If she does, she could be on the hook for an additional 10% of her health care...
There's even a push in Congress to let employers further link lifestyles to insurance premiums. Right now companies that run their own insurance programs can reward employees with bonuses or premium reductions of up to 20% if they meet certain health guidelines. John Ensign, Republican Senator from Nevada, and Tom Carper, Democratic Senator from Delaware, co-sponsored an amendment to the current health care bill that would raise the limit to as high as 50%. The Senate Finance Committee gave it a thumbs-up in September...
...excise tax on high-cost insurance that will bring down costs as we grow. On the flipside, if we keep the current system, our general fiscal health will decay along with the initiative of many might-have-been trailblazers. The CBO has also estimated that by 2016 premiums will be $15,000 for a family of four in the Exchange, well below the $24,000 family premium expected if Congress fails...