sends me application questions, nearly 6 months after I applied


It has been nearly 6 months since I made some news by trying every day for 62 days to get an official quote from Obamacare’s

Vince Coglianese wrote about my travails at the Daily Caller.

Now, just today, totally out of the blue, nearly 6 months from when I applied,  I received an inquiry from Health Insurance Marketplace asking me to prove that each of my family members are US Citizens.  There are several humorous aspects of receiving this mailing today.

  • It asks about my 7 family members.  We only have 5, and every other correspondence has correctly listed us as 5.
  • On January 15, 2014, after I was approve for coverage, I attempted to CANCEL my coverage, but was told I could not.  Here is my blog post from that day.
  • I have never paid any premium to make the coverage active.
  • I have never received any reminder notices, nor cancellation notices from the insurance company, or
  • Therefore, I do not have coverage.

This basically confirms my theory that the Obama Administration has been counting my family of 5, now overstating us as 7, in the 8 Million Plus enrollees in Obamacare.

Here is the letter I received today.

What Mark Cuban Should Have Said

I have followed Mark Cuban for a long time and I see no evidence that he is, or has been, a racist.  From what I can tell, he is focused on being an entrepreneur, running a sports team, and making money.   It appears to me that he would be glad to work with anyone of any race, color, or creed as long as they can help him accomplish his goals.

With that said, let me Monday-morning- quarterback his recent remarks on race with what I believe he intended to say.

What if Mark had said this?

“Everyone has prejudice, but most of the time that prejudice is related to how a person presents himself, rather than their race.
–For example…

–if you want to present yourself as a menace, or as a thug, it does not matter what color you are.  It’s a problem.  If I am out walking at night, and I approach a group of guys, Black, White, Hispanic, whatever,  and those guys are wearing a hoodie, droopy drawers hanging down, walking with a swagger, I will sense safety concerns and walk to the side of the road.

–By the way, I have nothing against hoodies, but many gang members or criminals use them as a disguise when they are committing crimes.  Look, when that hood is pulled up over your head,  I can’t tell what your intentions are, and you are not easily identified by people.  It’s a safety concern.

–At the same time, if I see another group of guys coming at me, of any race, in wife-beater shirts, tattoos, piercings and chains, looking like Eminem,  I’m going to the other side of the street as well.   Those guys also look menacing to me.

–On the other hand, if I’m alone on the street at night, and I approach a group of guys, White, Black, Hispanic,  Asian, or whatever, and those guys are wearing suit and tie, a collared shirt with khakis, or even jeans and nice t-shirt like I wear to the Mavs games,  I would have no concerns.  The odds are extremely small that a group of young men dressed like that would do harm to me, or anyone else. They are sending signals that they are a part of society, not rebelling against it.

–My message to the young people is pretty simple,  the way you present yourself and your conduct matters, and it effects the way other people will react to you and the way that they treat you.   If you want to present yourself like a thug, or someone who is rebelling against society, be prepared to treated that way.   In the same way, if you dress and act like a respectful person, people will respect you.

–You see, its not really about race at all.  It’s how you present yourself, and it is about your conduct”.

IRS Says Employers Cannot Buy or Reimburse Individual Health Policies for Employees


Q1.  What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the Marketplace or outside the Marketplace)?

Referencing Notice 2013-54, the IRS emphasizes that these employer payment plans are considered group health plans under PPACA. As group health plans, these arrangements are subject to the market reforms, including the prohibition on annual limits and the requirement to cover preventive care without cost-sharing.  These arrangements cannot be integrated with individual health insurance plans in order to satisfy the market reform requirements.

Unlike Notice 2013-54, this recent FAQ shines a spotlight on the consequences for employers operating employer payment plans to reimburse employees for the cost of individual health insurance policies.  The potential penalty? Up to $100 per day per applicable employee, under Code 4980D.  The IRS also points out that the penalty could total $36,500 per year per employee.  This figure does not include potential liability as a result of additional DOL enforcement of compliance with the market reforms, incorporated into ERISA by the Public Health Service Act (PHSA).

The Department of Labor also issued Technical Release 2013-03, which is substantially similar to Notice 2013-54.  The IRS notes in the FAQ that HHS is expected to issue guidance in the near future concurring with Notice 2013-54 and Technical Release 2013-03.  Employers currently utilizing this strategy or who are considering the implementation of such an employer payment plan should consult with counsel on the impact of Notice 2013-54, Technical Release 2013-03 and this FAQ to consider the risks and find an   alternative benefits strategy if necessary. 




Sovaldi Hep C Drug Rocks Insurance Companies and Self Funded Employers

Sovaldi, the breakthrough drug that is effective in curing Hep C, also costs approximately $1,000 per pill.  Over a 12 week treatment period, the cost of the drug is $84,000.  Combined with the other drugs in the regimen, a patient could rack up $125,000 in drug costs in a 12 week period.    Alternative treatments for Hep C and Liver Transplants can exceed $250,000.  
Anthem reps reported to me that they are expecting about $164 Million in Sovaldi related expenses in 2014 that did not exist in 2013.    There are approximately 3 Million Americans with Hep C, many of whom do not know they have the disease.  World wide the number could be as high as  300 Million.   Gilead, the manufacturer of Sovaldi purchased Pharmasset Inc who developed Sovaldi in 2011 for $11 Billion.