Worry-Free Health Insurance Is Possible in Washington State

Feb. 19, 2014 – 

The health-care nightmare of 290,000 uninsured residents might soon be over now that two bills have been introduced in the Washington State Legislature.

After problems emerged from ObamaCare, the Affordable Care Act (ACA), you might recall last November the president decreed that folks in individual and small group markets could keep their coverage for another year.

Mr. Obama also suspended the requirement for individuals and proclaimed they could buy economical catastrophic coverage.

stockimages doctorHowever, President Obama was immediately over-ruled by Washington State insurance Commissioner Mike Kreidler, who said no.    

If that’s not enough, there are other unnecessary dilemmas: 

– Washingtonians aren’t allowed to cross the state line to buy insurance. This means they’re limited to three insurance carriers, which discourages competition and limits consumer options. 

– Washington state disallows low-cost catastrophic insurance plans. 

Two proposed bills 

SB 6464 and HB 2221 offer viable options in the wake of the insurance commissioner’s rulings, maintains Roger Stark, MD.

As a medical expert, Dr. Stark is an analyst at the Washington Policy Center (WPC), www.washingtonpolicy.org.

“First, people enrolled in individual and small group plans as of October 1, 2013, could continue those plans outside of the state health insurance exchange,” he explains.

“Second, out-of-state insurance companies could offer individual and small group plans, including catastrophic plans, to residents of Washington state, as long as those plans meet the insurance laws and regulations of their home state,” he adds.

He cites the benefits of SB 6464 and HB 2221:

  • Apply only to the individual and small group market.
  • Reduce costs by providing more health insurance options, including catastrophic plans, for consumers in Washington state.
  • Reduce the number of uninsured by increasing the number of insurance carriers and the number of policies available in Washington state.
  • Allow people to keep their existing insurance plans if they like them.
  • Be in compliance with the president’s unilateral changes to the Affordable Care Act.

“Ideally, to reduce costs and increase choice and the quality of health services, patients, as consumers of health care, should have as many insurance options as possible available to them,” says the physician.

“Federal regulators, through the ACA, and state regulators, through the insurance commissioner’s office, have severely restricted the choices Washington state patients have in the health insurance market,” he asserts. “SB 6464 and HB 2221 would expand the choices for Washington state health care consumers.”


From the Coach’s Corner, related content:

Health Expert Refutes ObamaCare Claims by Washington Insurance Commissioner — ObamaCare continues to fail in Washington state despite claims by the state’s insurance commissioner, Mike Kreidler. That’s the conclusion from an expert analyst – a doctor – at the authoritative think tank, the Washington Policy Center (WPC), www.washingtonpolicy.org. 

Why Health-Insurance Rates Increasing and Policyholders Losing Coverage in WA — Hundreds of thousands of Washington state residents – individual policyholders and small group insurance members – are learning two promises of ObamaCare are false.

Taxes – What Should Washington State Do about Medicaid? — With 18 percent of residents on Medicaid and Washington’s $2-billion budget shortfall, the state should follow Oregon’s example. ObamaCare seeks to enlarge Medicaid programs across the country.

“What people are seeing is that the cost of their care and their insurance is going up faster since ObamaCare has been passed than if the healthcare law had not been passed at all.” 

-John Barrasso 


Author Terry Corbell has written innumerable online business-enhancement articles, and is a business-performance consultant and profit professional. Click here to see his management services. For a complimentary chat about your business situation or to schedule him as a speaker, consultant or author, please contact Terry.

Photo courtesy of stockimages at www.freedigitalphotos.net

30 Time Management, Stress Reducing Tips

If you you have job-related stress, and have too little time, you’re not alone. When you’re stressed, it’s hard to be effective with your time.

If you’re still not seeing the benefits of an improving economy or the boom in the stock market or despite improvement in your 401(k) retirement savings plan, you’re not alone.

For several years now, government data shows the average American workweek has only been 34.4 hours.

Too many people can’t get full-time jobs. It’s even worse for people over 60 who have held jobs all their lives complain to me on a regular basis they can’t get a job.

Many Millennials can’t get good-paying jobs. Ask any Starbucks’ employee who only works part-time.

Whatever your situation, reducing stress factors will improve your management of time.

Here are 30 ways to reduce stress:

  1. Identify your stress factors and take steps to eliminate them. Whether it is nasty surprise letter from the IRS, credit-card company predatory behavior, or a complaint from your best customer, do what you can to solve the problem quickly so you can move forward.  Paraphrasing a philosophy of former President Gerald Ford, clear the table and move forward.
  2. Know your capabilities and limitations. Don’t take on too much.
  3. Find a trustworthy person with whom you can vent and give you empathetic feedback when asked.
  4. Understand when you need to say “no.”
  5. Get refreshed by taking regular breaks, vacations, recreation and exercise. And when you can, a simple walk will work wonders.
  6. Set time limits and goals for meetings.
  7. Review your long range goals. Frequently during your work day, ask yourself: “Is this helping me to reach my goals?”
  8. Record and analyze how you spend your time.
  9. Make sure the first hour of every day is the most productive. Tackle the hardest task first. The rest of the day will seem like a walk in the park.
  10. Practice excellence in every responsibility. Do the very best you can and you will prevent regrets.
  11. Do everything gently. As famed entertainer Hoagy Carmichael once said, “Slower motion gets you there faster.”
  12. Remember:  If you don’t take the time to do it right, when will you have time to do it over?
  13. Instead of “post-it notes”, put all the necessary folders away in the appropriate file drawers. Once the clutter is off your desk, the “to do” list serves as the master organizer.
  14. Look for progress – not perfection.
  15. Plan your time. Make your “to do” list by Friday for the following week. If you’re in sales, have your list ready by Thursday.
  16. Review the next day’s schedule before going home each night.
  17. Prioritize your work: A, B, or C. Your A duties get done first – immediately.
  18. Learn how to structure your e-mail system for maximum efficiency.
  19. Eat the right foods for sustained energy.
  20. Get enough sleep. If you feel tired by mid-day, ask your doctor for a sleep study. Insomnia and sleep apnea routinely lead to high blood pressure and even strokes.
  21. Make your work fun.
  22. Learn from baseball player Ichiro and do stretching exercises.
  23. Listen to the right music. For many successful people that means classical music.
  24. Look around to help someone who is less fortunate. Volunteerism is gratifying.
  25. Learn breathing techniques.
  26. If you commute to work, consider mass transit and take a good book to read.
  27. Review inspiring thoughts, such as “No matter what, there are no big deals.” Taking the emotional sting out of your reactions to events will help. Learn to respond, not react.
  28. Develop positive affirmations about yourself, keep your notes handy, frequently review them and rehearse them in front of the mirror.
  29. Remember, the remedy for depression is action.
  30. Become more active socially. Yes, that’s a time management skill. If you are not alone, you are not lonely. Loneliness contributes to stress.

From the Coach’s Corner, get busy and you’ll soon feel ready to take on the world and head toward to profits.

Start investing in your future with needed equipment, marketing and training of workers. And talk with your public officials about policies that will improve the nation’s economic health and create jobs.

Related career tips: 10 Strategies to Overcome Stress and Energize Your Career

“Take rest; a field that has rested gives a bountiful crop.”



Author Terry Corbell has written innumerable online business-enhancement articles, and is a business-performance consultant and profit professional. Click here to see his management services. For a complimentary chat about your business situation or to schedule him as a speaker, consultant or author, please contact Terry.

Seattle business consultant Terry Corbell provides high-performance management services and strategies.