My Management is devoted to creating a good unprecedented amount of openness within Government. We are going to work together to guarantee the public rely on and set up a system of visibility, public involvement, and cooperation. Openness will certainly strengthen the democracy plus promote effectiveness and usefulness in Federal government.
Government must be transparent. Visibility promotes responsibility and provides info for residents about what their own Government does. Information preserved by the Government is a nationwide asset. Our Administration will require appropriate motion, consistent with regulation and plan, to disclose details rapidly within forms that this public may readily discover and make use of. Executive sections and firms should utilize new systems to put details about their functions and choices online and easily accessible to the community. Executive sections and companies should also get public comments to identify details of finest use to the general public.
And today, nearly 8 years afterwards:
Political agents within the National government wrongly penalized conservative lawful group Judicial Watch, burning it associated with “media” position and endeavoring to force this to pay increased fees for the open information requests, the overall Services Management inspector common said inside a letter launched Thursday.
The GSA botched many high-profile open up records demands, delaying all of them for months whilst political appointees got included, Inspector Common Carol Farreneheit. Ochoa mentioned. The results were launched while the management was dealing with charges associated with slow-walking open up records demands for Hillary Clinton’s email messages, as well as other demands.
In the case of Judicial Watch, the particular order in order to strip this of press status originated from political agents with lengthy ties in order to Democratic leads to — and also from the White-colored House.
The inspector general stated the decision emerged at the behest of Gregory Mecher, an ex Democratic advertising campaign fundraiser who else at the time had been liaison towards the White Home. He is wedded to Jen Psaki, the longtime spokeswoman with the Federal government and its selection campaigns.
That is impossible, mainly because Psaki offers always shown an unwavering commitment in order to historic visibility, unless the girl hasn’t:
Obama promised “historic” levels of openness, and those whom tried to encourage them to demonstrate also average visibility were reprimanded. That’s among Obama’s best “legacies. ”
Heather Bresch, TOP DOG of embattled drug producer Mylan, testified before a home panel a week ago that one from the main reasons the organization had to walk up the costs on the signature EpiPens from dollar 100 in order to $ 6 hundred is the “more than one particular billion dollars” it has committed to the past 10 years “to boost the product plus make it a lot more available. inch
Therefore , as Our elected representatives has been trying to puzzle out the company’;s business structure, a healthcare technologies specialist and a physician have been bodily taking aside Mylan’;s well known auto-injectors to discover exactly how — and exactly where — that will money had been spent.
Following a Seattle physician cut open up EpiPens through before and after Mylan’;s upgrades, NBC News delivered versions from the epinephrine auto-injectors to a healthcare technology contacting firm. Regardless of seeing security and visuals upgrades, each found the particular devices distributed a similar “core. ”
Mylan states it spent over dollar 1 billion dollars in the EpiPen. But specialists peg the particular redesign plus manufacturing apparatus costs to become only within the millions.
Usually, the pharmaceutical corporation charges reduced price because of its brand name medications in order to recover the close to $ second . 6 billion dollars it takes to build up a medication, get it by means of FDA acceptance, and create market understanding — all of these takes typically 20 years.
Yet Mylan did not invent the particular EpiPen, this acquired this in 3 years ago, getting a medication that had been accepted since 1987 and had ninety percent marketplace dominance. Neither does it produce the EpiPen itself. Mylan buys this from a totally owned Pfizer subsidiary designed for $ thirty 4. 50 for each pen.
After that in 2009, Mylan launched an alternative version from the EpiPen.
Dr . Jules C. Dark brown is a University or college of Wa School associated with Medicine pediatric emergency doctor who has already been sawing aside the new plus old EpiPens, in part to find out what the variations are.
Although she does not have training being an engineer, the lady does have a viewpoint on what the girl found within.
“You can easily see that the importance of the gadget, the primary of each devices, is basically the same, inch she informed NBC Information. “In the particular redesigned EpiPen, there is several really smart engineering which has gone to the design of the particular needle protect. Does that will justify the price? ”
NBC News delivered new plus old variations of the EpiPen to PENNSYLVANIA Consulting Team, a UK-based technology contacting firm. Certainly one of their outlines of company is developing new auto-injectors for pharmaceutic companies, which includes Pfizer. These people tore throughout the EpiPens for their base parts and organized the components.
Inside the EpiPen with a Feb 2009 termination date there is a casing, sleeve, hook cartridge plus stopper, stopper driver, metal plunger, generate spring, discharge collar, drive washer, back collar, and also a safety cover.
Meanwhile, in the new edition with a 06 2015 termination date there is a casing, needle container and stopper, plastic plunger, drive springtime, release scruff of the neck, and security cap, in addition to a needle enfold, control springtime, carrier, manage clips, plus a rear situation.
“It’;s exactly the same core gadget that’;s been being used for some time, inch Kevin Deane, head associated with medical technology for PENNSYLVANIA Consulting Team, told NBC News.
He or she noted that this drive springtime in the brand new device has been more “robust” than along with other similar products, and “held a lot of power. ”
Whilst Mylan do do a couple of things “making it a little more normal intended for commercial make use of, ” Deane said “the key factors driving liquid through possess remained unrevised, ” plus noted that will “the plastic-type components seem similar to a typical commercial-use auto-injector. ”
Deane estimated the particular redesign might have cost a number of million bucks to fee. The capital expenses for the automatic manufacturing can run into the particular double-digit large numbers, he mentioned.
After NBC News delivered the PENNSYLVANIA Group’;s leads to Mylan, the particular drugmaker stated it was “not familiar with the investigation referenced inside your email. inch
“As those who have used the item knows, the particular epinephrine auto-injector we have on the market today is definitely substantially distinct from the one all of us acquired, inch said Mylan spokeswoman Lauren Kashtan within statements e-mailed to NBC News.
Kashtan gave the bullet-point listing of the modifications Mylan experienced made dealing with its production partners to enhance the healthcare device part of the product. The primary addition was obviously a locking plastic-type shroud to safeguard patients in the needle, the girl said, which usually “required mechanised changes towards the needle shipping, including brand new safety parts. ”
The organization also additional “an ergonomically designed, easy-to-grasp oval barrel” that helps keep your device through rolling, plus a single-handed flip-top carry situation to replace the sooner device’;s stoppered tube, mentioned Kashtan.
The particular device’;s training graphics had been upgraded too, said Kashtan, adding “bright orange shades and arrows to help rapidly identify the particular needle finish of the gadget and reduce the chance of accidental browse puncture. inch Mylan furthermore color-coded the particular adult edition yellow as well as the junior edition green, the girl noted.
However it didn’;t associated with product keep going longer. “Both the particular legacy EpiPen and the NGA [next-generation auto-injector] presented in 2009 utilize the same formula solution in the glass container, ” the lady said. The business said within the hearing it had been now trying to extend the particular shelf-life through 18 in order to 24 months.
Mylan hasn’;t revealed the specific quantity it has used on research and development with regard to EpiPens, which usually brought in more than $ one billion within sales for that company within 2015.
Based on its income reports, the business spent an overall total of dollar 671 mil on R& D throughout its whole portfolio of just one, 400 items in 2015, up from your $ 147 million this spent within 2007.
Within her sworn testimony prior to the House Panel on Oversight and Authorities Reform a week ago, Mylan’;s TOP DOG said the majority of the money the organization had used on EpiPens proceeded to go towards advertising lobbying.
“The overwhelming most of what we have spent continues to be on accessibility and consciousness programs, inch said Bresch.
Reached regarding comment, Sen. Amy Klobuchar, who has required the Section of Proper rights to investigate Mylan, told NBC News within an emailed declaration: “Drug businesses like to report research and development expenses to defend higher prices. Nevertheless , the lack of visibility makes it extremely difficult to understand just how much goes into the expense of a doctor prescribed drug or even how much the business needs to recover on every drug.
“It’;s hard to suppose the modifications Mylan designed to its item features stomach close to justifying nearly 5 hundred percent cost increases. Mylan should reveal how much from the research and development expenses were used on the EpiPen, ” Klobuchar said.
Senator Chuck Grassley in Aug sent the letter in order to Bresch asking for more information about how exactly changes towards the EpiPen acquired caused Mylan to increase the cost. He was not satisfied with the girl reply.
According to a request comment on this particular story, Grassley said within an emailed declaration to NBC News: “The company reported product enhancements as reason behind justifying the price increases. I actually pressed just for details on the expenses of the upgrade and r and d. The company has not given a lot information in answer. Especially since the company produced the connection in between redesign expenses and cost, it’;s realistic for customers to expect solutions to these queries. That includes the particular taxpayers who seem to fund the general public health applications that pay money for the product. inch
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WASHINGTON–(BUSINESS WIRE)–The dust has settled and classes are back in session for most college
students. If you are living in a dorm room or renting your own place off
campus, the GEICO Insurance Agency suggests that you might want to study
up on renters
“Most college students typically bring expensive items such as laptop
computers, video gaming systems and Smart televisions to school,” said
John Zinno, president of GEICO Insurance Agency. “Renters insurance
protects you from having to pay out of pocket* to replace your stuff if
it’;s ever stolen, vandalized or damaged in a fire.”
Zinno noted that college students living on campus may be covered under
their parents’; homeowners or renters insurance policy. Some insurance
policies do offer limited coverage protection for students living in an
apartment or dorm at school. He goes on to suggest that it’;s wise to
have a good understanding of your policy options and coverage limits for
personal property to protect yourself from risks.
The same scenario isn’;t true for college students living in an apartment
or sharing a house. You will most likely have to get your own renters
insurance to protect your property and personal belongings. Most
landlord policies only cover the basics, which includes the building
structure, loss of rent and liability protection for the building’;s
For an affordable price, renters insurance provides multiple coverage
options for personal property, liability, medical payments, coverage for
living expenses when your home is not fit to live in due to a covered
loss, and optional coverage for more valuable items.
“It’;s important that students keep an estimate
on hand stating the value of their items if they ever need to be
replaced,” said Zinno. “It’s all about protecting your personal property
and limiting your financial risks.”
*Loss payout may be subject to the deductible on the policy. For more
information on renters insurance, please visit https://www.geico.com/renters-insurance/.
(Government Employees Insurance Company) is a member of the Berkshire
Hathaway family of companies and is the second-largest private passenger
auto insurance company in the United States. GEICO, which was founded in
1936, provides millions of auto
insurance quotes to U.S. drivers annually. The company is pleased to
serve more than 14 million private passenger customers, insuring more
than 23 million vehicles (auto & cycle).
Using GEICO’s online
service center, policyholders can purchase policies, make policy
changes, report claims and print insurance ID cards. Policyholders can
also connect to GEICO through the GEICO
App, reach a representative over
the phone or visit a GEICO
GEICO also providesinsurance quoteson motorcycles,
all-terrain vehicles (ATVs), boats, travel trailers and motorhomes
(RVs). Coverage for life, homes and apartments is written by
non-affiliated insurance companies and is secured through the GEICO
Insurance Agency, Inc. Commercial auto insurance and personal umbrella
protection are also available.
Homeowners whose houses were destroyed in the flooding over Christmas are still waiting for their insurers to pay out – and many are still nowhere near moving back into their homes.
Hundreds of homeowners across the north of England and Scotland are still in rented accommodation or living in homes with stripped walls and no running water while they try to get compensation.
Readers have told Telegraph Money that they have been pressured to accept low cash settlements, had their properties damaged by contractors and have spent 9 months battling with insurance companies.
Some insurers are trying to do “the least amount of repair that they can get away with” according to flooding experts.
‘They just don’t want to pay the money’
Web designer Oliver Warnes, 36, and his family were locked in dispute with his insurer Policy Expert for months after their home in Carlisle was flooded.
The interior of their Victorian home was destroyed causing tens of thousands of pounds worth of damage.
Mr Warnes initially tried to get a cash settlement so he could use local builders that he trusted, but was offered just £20,000 – £40,000 lower than the £60,000 cost he was quoted.
After much negotiation, this offer increased to £42,000.
But the loss adjusters, Trinity Claims, refused to budge on certain aspects of the cleanup operation. “They said certain things didn’t need to be done – like taking the floorboards up. But they’d warped massively and nothing was clean.
“They just don’t want to pay the money and they’ll fight everything to the nth degree,” he said.
Mr Warnes finally came to an agreement with the insurer, and the family, who have been staying with his parents, expects to move back in within a month.
But he is concerned that other, less persistent, homeowners might struggle to get a fair deal.
“We’ve invested a lot of time but other people can’t do that. People who are elderly or busy, or who have health problems wouldn’t be able to fight like we have. It’s completely unacceptable as a way of working.”
Policy Expert said that the initial £20,000 offer was an “error” made based on incomplete information from a contractor.
It said that the quote provided by the Warnes’ builders “far exceeded what would be required to repair the property.
“This is due to the fact that the policyholder wished to improve the state of the property from its original condition.”
It said that after discussion with Mr Warnes, the floorboard issue was resolved.
It added: “All works have been carried out, including the replacement of £21,000 worth of contents, alternative accommodation to the sum of £9,000, the provision of £49,000 for building works to date and an additional £63,000 to be paid to contractors on completion.
“This was all based on an annual premium of £193. The job is due for completion on October 17.
“In the claims process, policyholders have the option to allow our contractors to make all necessary repairs or to seek a cash settlement.
“In this case, a cash settlement was offered but was declined. As a result, this elongated the process.
“We always do our utmost to ensure our claims process is as swift as possible and that we return properties to the exact state they were before a claim.”
‘This needs to be a wake-up call for the industry’;
Paul Hendy, from the National Flood Forum in Carlisle, said that around 500 households – around one in 6 of those flooded in Carlisle – had come to him for help after having problems with an insurer.
Around 100 still have outstanding problems that he is helping with, he said.
Police estimated that around 3,000 properties in the town were flooded after Storm Desmond struck last Christmas.
Alex Balcombe, of loss assessors Harris Balcombe, which advocates on behalf of homeowners, said that price cuts on insurance had made customer service worse for policyholders.
“Price comparison sites have been awful for the consumer in this respect. They’ve driven prices right down and then the product has got poorer and poorer.
“Insurance companies pass that on to loss adjusters who have been whittled down to the bone,” he said.
Mr Hendy said that the scale of the winter floods had made the problem worse, but the insurance industry had failed to act on lessons from previous major flooding events in 2005 and 2009.
“Up to a month ago we were still getting properties that hadn’t even been dried out, because of the sheer volume of people affected.
“These storms were so bad, so you have to recognise what the industry is coping with. But that doesn’t justify the additional trauma people are put through because of companies who are trying to cut corners.
“The insurance industry needs to have a debrief and think about what the lessons are that need to be learned,” he said.
Cash settlements and poor-quality work
For many homeowners, problems arise when insurers offer them a lower settlement than the cost of the work required.
This is often a way of trying to settle a claim quickly and cheaply.
Insurers then try and persuade homeowners to use their own contracted building companies – who are often not local and sometimes provide a questionable standard of work for a much cheaper cost than local companies.
Mr Balcombe said that there is no quality control over the standard of contractors that are used. Insurers often want to use their own surveyors to set out a schedule of what needs to be replaced and how much it costs – which is frequently lower than the homeowner’s own estimates.
In some cases the cash settlement offered by the company would not enable the policyholder to pay for their own contractor, so they are forced to go with the insurer’s choice.
Claimants should have the choice to use their own surveyor and contractors, but Mr Hendy said that in Carlisle some homeowners have been told that doing so has delayed the process, meaning the insurer will no longer pay for alternative accommodation.
This forces the claimant to move back into a half-finished home, some of which still have stripped walls and no running water.
Others are discovering after moving back in that their homes still have damp or problems caused by poor-quality repairs.
In August the Association of British Insurers said that 95pc of claims had been fully or partly paid out to domestic households.
But this figure may include homeowners who accepted low cash settlements out of desperation, as well as many for whom negotiations or problems are still ongoing.
A spokesman for the ABI said: “Insurers have been doing whatever it takes to get people back into their homes and businesses in the wake of last winter’s floods.
“They are making excellent progress repairing more than 15,000 properties, and have housed more than 3,500 families in alternative accommodation.
“Being flooded is horribly traumatic, not just because of the immediate damage and disruption but also because a flood can take so long to recover from.
“There are no short cuts when it comes to drying out and repairing a flooded home or business to the necessary standards. Where there is work still to be done it continues with the same urgency as in the immediate aftermath.”
Better regulation needed
Experts say that some loss adjusters’ lack of training, and lack of regulation of the contractors they use is the source of many problems.
Mr Hendy said: “Loss adjusters need to be trained on the drying and restoration of property. If they’re delegating to a contractor he needs to go in with a clear understanding that he’s going to work to the schedule that has been laid down, and there needs to be some regulation of that.”
He said insurers should only use contractors who were members of associations that maintain standards in building, such as the British Damage Management Association.
Mr Balcombe said that loss adjusters should also be regulated by the FCA. Currently they are an “appointed representative” of the insurance company, which means they do not need to be directly regulated.
The standard of their employees’ qualifications and expertise can vary, and homeowners have no choice over which intial loss adjuster is used – though they can ask for a different one if dissatisfied.
Mr Balcombe said: “If you buy insurance from a price comparison website you’re going to get a budget-level loss adjuster, they’ve probably got 1000 cases on their desk exactly like yours and they make savings where they can.”
Homeowners should appoint their own surveyors and push to use their own contractors if this is what they want, and be prepared to pay more in premiums for a more reliable policy.
Have you had problems with your insurer after being flooded? Get in touch: firstname.lastname@example.org
Friday, 30 September 2016, 11:06 am Press Release: Carpet Court
Carpet Court donates $55,000 to New Zealand Red
Media Release 30 September 2016
New Zealand’s largest flooring retailer, and flooring
insurance provider proudly donated $55,189.46 to New Zealand
Red Cross in conjunction with IAG in a formal presentation
Rob Smith, CEO of Carpet Court, said he
is pleased to donate to such a highly regarded cause that
provides support all over New Zealand.
“As part of
Carpet Court’s strong partnership and relationship with
IAG, Carpet Court committed 10c from every metre of carpet
laid from all IAG insurance claims for the period from – 1st
June 2015 to 31st May 2016.
We were very privileged
to be able to give back to a charity close to IAG’s heart
and support an organization that does so much good in times
of distress such as a major disaster.” says Rob.
Colin Jones, Head of Retail & Commercial Operations for
Carpet Court, said Carpet Court along with IAG are focused
on speed of claims during major events so customers can
return to normal as quickly as possible and was proud of his
teams relationship with IAG commenting “it’s a great
charity for our retail teams to get behind”.
“Our teams are very pleased to support a national
cause such as New Zealand Red Cross and with a national
ne2rk we can quickly mobilise the team to offer assistance
when it may be required.” says
GREENWICH — Officials from Greenwich and much of Fairfield County convened this week to discuss how they can band together to get discounts on flood insurance for their residents.
They want to take part in the federal Community Rating System, which provides municipalities the chance to earn relief for policyholders in their towns. Local burghs are finding it difficult to meet even the base criteria in the program by themselves, because the costs of participating do not make the savings worth it, officials said.
“The main goal is to reduce the impact of flooding on communities,” said Michael Towle, an associate planner with Western Connecticut Council of Governments (WestCOG), a regional agency that is organizing the effort.
The federal government set up 10 tiers of cost savings in the program; each tier requires a certain number of CRS credits to qualify. Different flood-protection measures earn municipalities credits.
WestCOG hopes to earn 500 credits regionally to qualify each town and city for the first tier of cost savings, which would lead to residents qualifying for a 5 percent flood insurance discount, Towle said.
An option discussed at this week’s meeting — which took place Wednesday in Wilton —was centralizing certain outreach operations.
For example, towns can earn points by creating a website and posting flood-related materials to be accessed by residents. That could easily be centralized, Towle said.
“Instead of 18 towns with websites, it’s one website that takes care of all of them,” Towle said.
Or WestCog could mail materials on protecting properties against flooding to all residents in flood zones throughout the region. The local representatives in attendance Wednesday said they do not currently do that.
But that means each town would have to come up with a list of every property in its flood zone, a process that likely would be be time consuming and costly. Local leaders this week discussed whether it is worth having WestCOG pursue these or larger projects.
To make that decision, representatives wanted to know how many credits they would specifically earn for different projects. Towles agreed to make a table that would clearly show them the payoffs of each separate venture.
The centralized organization can try to earn as many points as possible for its members, he said, so the remainder each municipality has to earn alone is less and the barrier to entry is lower.
Other ways communities can earn points include protecting open space in flood zones and protecting critical facilities, such as hospitals, emergency operations centers and utilities.
The CRS program was created after the federal government in 2012 passed a law ending subsidized insurance rates in high-flood-risk areas, which had become unsustainable following Hurricanes Katrina and Irene. Then came Hurricane Sandy, which caused massive damage in coastal areas and sent homeowners’ flood insurance rates spiraling upward faster than the storm’s winds.
Norwalk ranks as the community with the highest costs for insurance premiums in the county, totaling more than 2,200 policies costing around $3 million per year, according to 2014 data. Greenwich comes in second with almost 1,800 policies costing more than $2.5 million per year.
The meeting was the first at which WestCOG representatives discussed how they might take advantage of the CRS program, and the effort is still very much in the planning phases.
The representatives from Greenwich included Katie DeLuca, director of planning and zoning, Denise Savageau, director of the Conservation Commission, and Jodi Couture, the zoning enforcement officer for the town.
The state Department of Human Services has asked about 45,000 people to reapply by the end of September for public health insurance coverage so that officials can fix data mismatches between 2 computer systems.
Letters sent in mid-August described a “system problem” that prevented state officials from determining if the enrollees were eligible for benefits in either the MinnesotaCare or Medical Assistance programs.
Those enrollees were given until Sept. 30 to reapply. The state sent disenrollment notices this week to about 40,500 people who hadn’t yet done so.
“People who have not yet reapplied can do so at any time,” the Department of Human Services (DHS) said Thursday in a statement. When coverage might resume for those who haven’t yet done so, however, depends on the program for which they qualify.
Medical Assistance is the name in Minnesota for Medicaid, a state-federal program that provides coverage to many with incomes at or below the poverty line. MinnesotaCare provides coverage to a slightly higher income group sometimes described as the working poor.
DHS determines eligibility for people seeking coverage in the programs via a computer program that used to be called MNsure, which is also the name for Minnesota’s health insurance exchange. DHS renamed its computer system last year as Minnesota Eligibility Technology Systems (METS), which distinguishes it from the MNsure system for people buying private health insurance coverage under the federal health law.
The mismatches involve data in the MNsure/METS system and data in a separate computer system that DHS uses to make payments to managed care companies or health care providers on behalf of enrollees.
The computer systems should automatically sync with one another, but that wasn’t happening in all cases, said Scott Peterson of MN.IT, the state’s division for information technology services. Earlier this year, DHS implemented a fix to the “interface” between the 2 computer systems that should solve the problem going forward.
In the process, the state learned of the data mismatches, and is now concluding the process of cleaning up those cases.
As of August, about 650,000 people with public health insurance coverage had their cases managed via the MNsure/METS system, so the mismatches involved a minority of those with coverage via the computer system.
Chuck Johnson, a deputy commissioner at DHS, said the data problems for the 45,000 enrollees who were asked to reapply do not constitute eligibility errors.
An audit report in January found that eligibility errors related to the MNsure/METS system were costing the state millions of dollars in early 2015.
“It’s really just a system disconnect between the eligibility record and the payment record that we need to get realigned in order to ensure that we’re managing the program properly,” Johnson said in an interview.
On Thursday, DHS said in a statement: “Those who reapply as of [Friday] and into October and are determined eligible for Medical Assistance will receive coverage effective Oct. 1. Those who reapply and are determined eligible for MinnesotaCare must pay a premium before coverage is effective and would not have coverage until Nov. 1.”
The Obama administration is looking at using a little-known fund to bypass Congress and pay insurance providers who are owed money under the Affordable Care Act, The Washington Post reports.
The Justice Department has told insurance companies suing the government it wants to settle the claims, and the Post reports that the money would likely come from the Judgment Fund set up in the 1950s to cover claims against the federal government.
The fund is given as much money as necessary to cover payouts to plaintiffs.
The non-partisan Government Accountability Office on Thursday criticized the White House for not paying out $5 billion owed to insurance companies over the high costs they incurred for providing coverage to seriously ill patients.
Dipping into the Judgment Fund would skirt the efforts of the Republican-controlled Congress to prevent such payouts. The GOP still strongly opposes the ACA, popularly known as Obamacare, and has said the ACA provisions allowing for such payouts are essentially bailouts for the insurance industry.
“It’;s an end run on the clear … intent of Congress,” Virginia Rep. H. Morgan Griffith told the Post.
The program was intended to bring reluctant insurance companies onboard by creating “risk corridors” in which companies that had lower expenses from new customers would pay into a fund that would compensate those with higher costs. The risk corridors began in 2014 and end this December.
But when Republicans took over both houses of Congress in 2014, they prevented the Department of Health and Human Services from using any of its money for the program.
That lack of funding has helped usher in the collapse of most of the 23 healthcare exchanges set up to administer the ACA and sparked lawsuits from 4 of them along with 6 private insurance companies.