Word: premiums
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...service's lack of portability has meant that most music fans still prefer downloading songs, sometimes illegally. Now Spotify wants to make streaming mobile. The new application won't be available to everyone, only those who opt for the premium service, which costs $15 a month for unlimited streams (the same amount buys you about 15 songs from the iTunes Store), access to prereleases and better audio quality than the free service, which forces users to listen to ads after every few songs. Spotify says it can't reveal exactly how many of its members are currently using the premium...
...Insurers have agreed to discontinue practices like turning down customers in the individual and small-group market who have expensive pre-existing conditions and basing premium rates on health status and gender. But one variable that will persist is age, since older enrollees represent more health risks than younger enrollees, and insurers are doing their best to retain the most flexibility in that area. Current reform legislation in the House and the Senate Health, Education Labor and Pensions (HELP) Committee would allow insurers to vary premiums on the basis of age only by a factor of two, meaning insurers would...
...remember all the high-fiving each other [after passage of] portable health care in 1996," said Emanuel before adding, "It's been empty." Although HIPAA prohibited insurers from denying coverage on the basis of pre-existing conditions, it didn't limit how much insurers could charge in premiums. The result: insurers in states without premium caps were charging those with pre-existing conditions as much as 464% of standard premiums, according to the Government Accountability Office. (Other researchers found examples that were even more egregious, including a Colorado insurer charging premiums as much as 2,000% of normal rates...
...merger with Porsche could help VW in the U.S. While Porsche may be a niche sports car maker, it's better known stateside than VW's other premium brand Audi and could add to VW's sex appeal with brand-conscious U.S. consumers. "VW's image in the U.S. could benefit significantly from Porsche," says Jürgen Meyer, a fund manager with SEB Asset Management in Frankfurt. "Americans don't know Audi, but they know Porsche as a premium brand and that will rub off on VW. They could possibly use the Porsche brand name to create a group...
...ages, Uganda has been divided into several kingdoms. (Even today, three kingdoms remain politically significant.) Like all Ugandan kingdoms, Buganda—of which Maureen is technically a subject and whose terrain spans the central portion of the country—puts a premium on surnames...