{"id":7035,"date":"2017-04-04T08:30:38","date_gmt":"2017-04-04T15:30:38","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=7035"},"modified":"2017-05-04T08:44:47","modified_gmt":"2017-05-04T15:44:47","slug":"april-2017","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/april-2017\/","title":{"rendered":"Feature Story April 2017"},"content":{"rendered":"

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]<\/p>\n

Market Exuberance, Individual Healthcare, & tune into News at 11.<\/h2>\n

[spacer height=”04px”]<\/p>\n

By David Schaeffer<\/strong><\/span><\/p>\n

[spacer height=”04px”]<\/p>\n

We all know when the market moves up, frowns turn upside down. Good news for pension funds, school endowments, and our clients. Many of our clients saw great returns in both their brokerage accounts and insured savings programs.\u00a0 Some day we may even see a viable market for bonds like we saw from 1970 until about 2007.\u00a0 Just remember what goes up must\u2026 (unless you have an insured savings plan of course.)<\/p>\n

[spacer height=”03px”]<\/p>\n

The Affordable Healthcare Act was really a great idea, just poorly executed. For healthcare to be affordable, doctors need to get paid, patients need access to consistent quality care, the lawyers need to stop suing every drug company, and the insurance companies need to be allowed to make a small profit. I know that is a long sentence but that is what needs to happen.<\/p>\n

[spacer height=”03px”]<\/p>\n

Doctors in the past (Primary Care Physicians) had multiple streams of income. They received their payment for seeing patients, stipends for recommending drugs, stipends for recommending labs and diagnostics, and referral fees for sending patients to specialists. Most of those sources of income vanished with the Affordable Care Act.\u00a0 Lawyers love to create class action suits against pharmaceutical companies. Many cases cost millions to litigate and who usually gets the lion\u2019s share of the settlements? Not the consumers who must burden the higher costs, not the drug companies that spend less on research and more on legal defense, and not the small percentage of folks that were actually harmed by the side effects of the drug. Our local non-profit, Blue Cross Blue Shield, lost $221 million dollars on the block of business serving individuals and families both on and off the healthcare exchange. They were promised, if they participated, that the government would reimburse excess losses. The government failed to cover the losses. You have to agree that a non-profit company formed to offer insurance would really like to sell insurance. Under the constraints placed on companies by the ACA, that is not possible in many counties in the United States.<\/p>\n

[spacer height=”03px”]<\/p>\n

Changes are coming to individual, under-age 65, health insurance, of that I am sure. But they will not be what folks are thinking. Costs for premiums will increase, subsidies are in question, and the networks will likely have to be constructed from scratch as they have been every year since 2014.<\/p>\n

[spacer height=”03px”]<\/p>\n

So I can\u2019t say, \u201cTune into news at eleven.\u201d Whether you watch FOX or CNN, both sides are so biased it is difficult to get a real understanding. We will let you know the REAL facts as they unfold directly from the U.S. Department of Health and Human Services and from the insurance companies.<\/p>\n

\"April<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Consumer confidence is up as evidenced by new housing starts. The market is raging up without even a blip of concern for the Fed rate increases. \ufeffhttp:\/\/bit.ly\/2nkCSMc<\/p>\n","protected":false},"author":1,"featured_media":7045,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"

Market Exuberance, Individual Healthcare, & tune into News at 11.<\/h2>

[spacer height=\"04px\"]<\/p>

By David Schaeffer<\/strong><\/span><\/p>

[spacer height=\"04px\"]<\/p>

We all know when the market moves up, frowns turn upside down. Good news for pension funds, school endowments, and our clients. Many of our clients saw great returns in both their brokerage accounts and insured savings programs.\u00a0 Some day we may even see a viable market for bonds like we saw from 1970 until about 2007.\u00a0 Just remember what goes up must\u2026 (unless you have an insured savings plan of course.)<\/p>

[spacer height=\"03px\"]<\/p>

The Affordable Healthcare Act was really a great idea, just poorly executed. For healthcare to be affordable, doctors need to get paid, patients need access to consistent quality care, the lawyers need to stop suing every drug company, and the insurance companies need to be allowed to make a small profit. I know that is a long sentence but that is what needs to happen.<\/p>

[spacer height=\"03px\"]<\/p>

Doctors in the past (Primary Care Physicians) had multiple streams of income. They received their payment for seeing patients, stipends for recommending drugs, stipends for recommending labs and diagnostics, and referral fees for sending patients to specialists. Most of those sources of income vanished with the Affordable Care Act.\u00a0 Lawyers love to create class action suits against pharmaceutical companies. Many cases cost millions to litigate and who usually gets the lion\u2019s share of the settlements? Not the consumers who must burden the higher costs, not the drug companies that spend less on research and more on legal defense, and not the small percentage of folks that were actually harmed by the side effects of the drug. Our local non-profit, Blue Cross Blue Shield, lost $221 million dollars on the block of business serving individuals and families both on and off the healthcare exchange. They were promised, if they participated, that the government would reimburse excess losses. The government failed to cover the losses. You have to agree that a non-profit company formed to offer insurance would really like to sell insurance. Under the constraints placed on companies by the ACA, that is not possible in many counties in the United States.<\/p>

[spacer height=\"03px\"]<\/p>

Changes are coming to individual, under-age 65, health insurance, of that I am sure. But they will not be what folks are thinking. Costs for premiums will increase, subsidies are in question, and the networks will likely have to be constructed from scratch as they have been every year since 2014.<\/p>

[spacer height=\"03px\"]<\/p>

So I can\u2019t say, \u201cTune into news at eleven.\u201d Whether you watch FOX or CNN, both sides are so biased it is difficult to get a real understanding. We will let you know the REAL facts as they unfold directly from the U.S. Department of Health and Human Services and from the insurance companies.<\/p>

\"April<\/p>","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nAmerican Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/april-2017\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Feature Story April 2017\",\"datePublished\":\"2017-04-04T15:30:38+00:00\",\"dateModified\":\"2017-05-04T15:44:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/\"},\"wordCount\":508,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/03\/April-2017-feature-2.png\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/april-2017\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/april-2017\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/03\/April-2017-feature-2.png\",\"datePublished\":\"2017-04-04T15:30:38+00:00\",\"dateModified\":\"2017-05-04T15:44:47+00:00\",\"description\":\"American Retirement Advisors, David P. 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