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ICHRA plans offer employers new options for health care spending

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Some employers have begun embracing a new way for employees to lower your expenses on health care costs. This new Individual Health Reimbursement Arrangement, or ICHRA, plan option gives them money and the flexibility to decide on one of the best plan for their household and has slowly begun to roll out in workplaces across the country.

Thanks to ICHRA’s plans, employees receive a set amount from employers every month for use toward a plan of their alternative on the person insurance market. Employers say the plan gives employees more control over their health spending and, in some cases, helps them lower your expenses, too.

With health insurance costs continuing to rise, employers want to ICHRA plans as a approach to control health care spending while still providing adequate health advantages to employees.

“The (traditional) cornerstone of group health insurance from 60 years ago has outlived its usefulness,” said Matt Miller of Headwater Ventures, which is behind the investment in ICHRA administrator Venteur. “The goal is to provide people with insurance, decouple it from the employment construct and make it portable.”

One of the primary employers to adopt the ICHRA concept for its employees was Lycoming College, a small, nationally ranked liberal arts school in Williamsport, Pennsylvania. The goal is to assist lower health care costs not only for the institution but additionally for its employees.

Employers have the choice to offer this health reimbursement plan to different groups of employees, while group plans could also be available to other groups based on aspects similar to location, hourly or fixed rate, and full-time or part-time worker status.

When Lycoming College faced a 60 percent premium increase as a result of high member claims, the varsity had no alternative but to hunt other health care options for its employees.

According to the varsity’s assistant vice chairman for human resources and compliance, the varsity ultimately offered ICHRA plans to all employees working not less than 30 hours per week.

In the primary 12 months of offering the ICHRA profit, Lycoming College saved $1.4 million in health care costs, and employees saved a mean of $1,200 per person in premiums. Hagan says people within the finance department “really like” the new plan.

“From a cost perspective, people are happy with it, and people really like having a choice of plans,” Hagan said, though she acknowledges that they’ve encountered problems with the plan’s administration. She notes that some employees needed to have their coverage reinstated after temporarily losing it. However, Hagan said that “those issues have largely been resolved” because the plan administrators were modified this 12 months.

On the opposite hand, the portal also reports that several firms that tested ICRHA plans for employees ultimately decided to return to the group insurance option.

Some employers note that managing the sort of coverage will be burdensome because as an alternative of paying a single premium for a bunch health plan, they could now be responsible for paying out to dozens of individual health insurers. Additionally, experts have noted that for employees who’ve never needed to shop around for a health plan on their very own, the method will be quite tedious and require more guidance from employers to make the correct decision.

Other concerns include concerns from health insurance experts that the plans aren’t one of the best option for consumers or the person insurance market. They cite that despite regulations stopping employers from offering ICHRA plans to employees who could also be sicker or dearer to cover than others, employers with a “relatively unhealthy workforce” should find the coverage more attractive.

“It’s a big disruptor, like a 401(k)s,” said Mark Mixer, chairman of the HRA Council and CEO of HealthOne Alliance in Dalton, Ga. Still, it’s not for everyone. “It’s just another tool for employers to consider. When it fits, do it.”

According to the HRA Council, ICHRA coverage is currently available to only about 500,000 people out of an estimated 165 million individuals with employer-sponsored insurance.

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This article was originally published on : www.blackenterprise.com
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Health and Wellness

Halle Bailey joins sister Chloe in leaving the vegan lifestyle behind

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Singer and actress Halle Bailey doesn’t let motherhood stop her from achieving her fitness goals. The mother of 1 recently shared a photograph of herself and her baby boy, Halo, chilling at the gym in twin outfits, rocking matching bandanas.

“Me and my bodyguard ♥️,” she captioned the photo.

Bailey also shared with fans the status of her vegan journey, stating that she is not any longer vegan. The actress has been vegan for 13 years.

“When I used to be pregnant, I [just] I began craving meat and by then I had been vegan for 13 years,” Halle revealed. “Honestly, I felt good. “I’m just going to present my body what it wants without delay because I’ve been doing a very hard job growing as a human, and I also desired to ensure Halo was getting the proper nutrients and other things he needed,” Bailey, 24, explained.

She also added that although she now eats meat, she has not completely given up vegan meals and still eats them frequently.

“I still love vegan food. AND [still] eat it mostly all the time. If I actually have a sense or a craving for chicken or something, I’ll eat it. But I do not eat a whole lot of meat, but when I would like to, I’ll eat it,” she said.

The singer’s sister, Chloe Bailey, also revealed that she is not any longer completely vegan. Earlier this yr, she revealed that she had broken her 11-year streak and began eating chicken. Chloe shared with fans that she noticed the positive impact of eating chicken on her body.

“I noticed that my body became more toned. And I have never even been figuring out as crazy as I normally do, and I feel prefer it just makes me stronger,” she said.

This article was originally published on : www.essence.com
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Prostate cancer in the black community and the importance of clinical trials

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BLACK ENTERPRISE Empowers Black Men: Prostate Cancer In The Black Community And The Importance Of Clinical Trials


In recognition of Prostate Cancer Awareness Month in September, BLACK ENTERPRISES hosts “Health is Wealth,” an informative series of conversations about the key role of diversity in clinical trials. Prostate cancer disproportionately affects black men, resulting in significant disparities in health outcomes, quality of life, and longevity. This discussion highlights the importance of inclusive clinical trials in eliminating these disparities.

Alfred Edmond Jr.Black EnThe conversation might be moderated by the vp and editor-in-chief of terprise and a prostate cancer survivor. Edmond might be joined by experts in the field, Dr. Adrelia Allen, executive director of patient diversity in clinical trials at Merck, and Dr. Luther T. Clark, executive director of innovation and patient engagement at Merck, and Euvon Jonesformer clinical trial participant and prostate cancer advocate.

This panel examined how clinical trials might help improve prostate cancer outcomes in black men, highlight the importance of diversity in medical research, and encourage participation in future research to support equitable health take care of all. The discussion will highlight Merck’s commitment to improving prostate cancer treatments by supporting diverse and inclusive clinical trials, ensuring equal access to the latest medical innovations for historically underserved populations.

Prostate cancer disproportionately affects black men, resulting in higher mortality and poorer health outcomes in comparison with other groups.

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This article was originally published on : www.blackenterprise.com
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WATCH| Top 3 Tips for Creating Great Fashion Content – Essence

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“; } }); // Drag and scroll functionality const playlistContainer = document.getElementById(‘playlist’); let isDown = false; let startY; let scrollTop; playlistContainer.addEventListener(‘mousedown’, (e) => { isDown = true; playlistContainer.classList.add(‘active’); startY = e.pageY – playlistContainer.offsetTop = playlistContainer.addEventListener(‘mouseleave’; playlistContainer.classList.remove(‘active’); playlistContainer.addEventListener(‘mouseup’, () => { isDown = false; playlistContainer.classList.remove(‘active’); }); mousemove’, (e) => { if (!isDown) return; e.preventDefault(); const y = e.pageY – playlistContainer.offsetTop; const walk = (y – startY) * 3; .scrollTop = scrollTop – walk; }); } } if (” !== ‘efoc24’) { // Check DoubleVerify Quality Targeting signals before rendering the player if ( ‘unknown’ !== typeof PQ ) { PQ.cmd. push(function() { // If DVQT signals are not available after 500 ms, render the player anyway. const timeout_id = setTimeout( jwPlayerRender, 500 ); // Get “Authentic Direct” signals. PQ.getTargeting({ signals: [‘abs’] }, function(error, targetingData) { clearTimeout(timeout_id); jwPlayerRender(error? undefined: targetingData); }); }); } else { jwPlayerRender(); } function jwPlayerRender( dvqt_signals=”” ) { let jw_ad_tag ​​= {“client”:”googima”,”adscheduleid”:”G7hR9pQ2″,”schedule”:[{“tag”:”https://pubads.g.doubleclick.net/gampad/ads?correlator=&iu=/21698916284/ess/VideoNews&env=vp&gdfp_req=1&output=vast&sz=400×300%7C640x480%7C1000x1%7C1920x1080&description_url=__page-url__&tfcd=0&npa=0&vpmute=1&vpa=auto&vad_type=linear&url=__page-url__&vpos=preroll&unviewed_position_start=1&v=IS8iQU3l&pmnd=0&pmxd=60000&ad_rule=1&cust_params=ttid%3DIS8iQU3l%26frnch%3D__item-franchise__%26environment%3Dproduction%26kwblock%3DAbb%2CCapOne%2CLincoln%2CUPS%2CVG%2CATTCric%2CDisney”,”offset”:”pre”},{“tag”:”https://vid.springserve.com/vast/670880?url=https://www.essence.com/news/watch-top-3-tips-to-creating-great-fashion-content/h=450&w=800&cb=9117″,”offset”:”50%”}]”offers”:{“bidders”:[{“id”:”jw-video-IS8iQU3l”,”name”:”jwdemand”,”publisherId”:”evcxFIDZ”,”siteId”:”WT5iFegj”,”placementId”:”24399785″}]”settings”:{“disableConsentManagementOnNoCmp”:true,”mediationLayerAdServer”:”dfp”,”floorPriceCents”:200,”floorPriceCurrency”:”usd”,”buckets”:[{“increment”:0.1,”max”:30,”min”:0},{“increment”:0.5,”max”:50,”min”:30}]}}}; // Configure ad tag on the fly… let additional_params = {}; // Input DVQT signals. if ( dvqt_signals && dvqt_signals.ABS.length > 0 ) { additional_params.ABS = dvqt_signals.ABS.join(“,”); } // Injecting Operational Mage signals. if ( dfp_ad_object && dfp_ad_object[0].page_targeting.length > 0 ) { let dfp_ad_targeting = JSON.parse(dfp_ad_object[0]page targeting); if ( dfp_ad_targeting.opsmage && dfp_ad_targeting.opsmage.length > 0 ) { additional_params.opsmage = dfp_ad_targeting.opsmage.join(“,”); } if ( dfp_ad_targeting.opsmage_alt && dfp_ad_targeting.opsmage_alt.length > 0 ) { additional_params.opsmag_alt = dfp_ad_targeting.opsmage_alt.join(“,”); } } // Create a string additional_parameters. let extra_params_str=””; for (enter additional_parameters) { let value = additional_parameters[key]; additional_params_str += `${key}=${value}`; if ( key !== Object.keys( additional_params .pop() ) { additional_params_str += ‘&’; } } // Update ad tag cust_params (must be URL encoded). if ( Object.keys( additional_parameters ). length > 0 ) { let ad_schedule = jw_ad_tag.schedule; if ( ‘undefined’ !== ad schedule type ) { for (let i = 0; i < ad_schedule. length; i++) { let ad_url = new URL(jw_ad_tag. schedule[i].label); let query_params = new URLSearchParams(ad_url.search); query_params.set("cust_params", query_params.get("cust_params") + `&${additional_params_str}`); ad_url.search = query_params.toString(); jw_ad_tag.schedule[i].tag = ad_url.toString(); } } } let playerId; if ("undefined" !== type jwplayerQueue) { playerId = 'jw-video-IS8iQU3l'; jwplayerQueue.push({ 'instanceId': 'playerInstance_IS8iQU3l', 'playerId': playerId, 'config': { pid: 't6KP9zcV', playlist: "https://cdn.jwplayer.com/v2/media/IS8iQU3l", autostart: !jw_ad_tag, repeat: true, mute: true, aspect ratio: "16:9", share: {sites: ["facebook", "twitter", "email", "linkedin"]}, cast: {}, float: {distainable: true}, autoPause: {viewability: false}, displaytitle: true, displaydescription: true, controls: true, related: {displayMode: 'shelfWidget'}, interactive: {} , ad: jw_ad_tag ​​​​} }); } // Load video. jQuery(window).trigger("jw:loadplayers"); function waitForJWPlayer(callback) { if (type jwplayer !== 'undefined') { callback(); } else { setTimeout(function() { waitForJWPlayer(callback); }, 500); } } waitForJWPlayer(function() { jwplayer(playerId).on('adsManager', function (adsManagerLoaded) { let adsManager = adsManagerLoaded.adsManager; let videoElement = document.getElementById(playerId ); let config = { anId: '929481' , campId: '640x360', ias_xps: "autoplay", // autoplay state ias_xbp: "2", // video destination type ias_xar: "1" // autoplay state } // Start IAS integration googleImaVansAdapter. init(google, adsmanager, videoitem, config } } });

This article was originally published on : www.essence.com
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