Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

Structure and Colors of Diffuse Emission in the Spitzer Galactic First Look Survey

We investigate the density structure of the interstellar medium using new high-resolution maps of the 8 micron, 24 micron, and 70 micron surface brightness towards a molecular cloud in the Gum Nebula, made as part of the Spitzer Space Telescope Galactic First Look Survey. The maps are correlated with 100 micron images measured with IRAS. At 24 and 70 micron, the spatial power spectrum of surface brightness follows a power law with spectral index -3.5. At 24 micron, the power law behavior is remarkably consistent from the 0.2 degree size of our maps down to the 5 arcsecond spatial resolution. Thus, the structure of the 24 micron emission is self-similar even at milliparsec scales. The combined power spectrum produced from Spitzer 24 micron and IRAS 25 micron images is consistent with a change in the power law exponent from -2.6 to -3.5. The decrease may be due to the transition from a two-dimensional to three-dimensional structure. Under this hypothesis, we estimate the thickness of the emitting medium to be 0.3 pc.Comment: 13 Pages, 3 Figures, to be published in Astrophysical Journal Supplement Series (Spitzer Special Issue), volume 154. Uses aastex v5.

The galactic first-look survey with the Spitzer space telescope

The galactic first look survey (GFLS) of the Spitzer space telescope was executed during 1–11 December 2003 as one of the first science observations during nominal operations. The aim of the FLS is to provide a characteristic “first-look” at the mid-and far-infrared sky at sensitivities that allow the detection of point sources ≈100 times fainter than those in previous systematic large-area surveys. The whole program took 35.5 h to complete and consisted of the following elements: •Galactic longitudinal strips of size 15′ × 1° with IRAC and MIPS at l = 105.6° and 254.4° and various galactic latitudes. •10′ × 10′ IRAC maps at l = 97.5° and b = 0°, ±4°, and +16°. •Coverage of L1228 with 2° scan maps. Even at these large distances from the galactic center, confusion sets a limit to the detection of point sources in the galactic plane for IRAC channel 1 (3.6 μm) at 100 μJy ≈ 16.1^m. As positive galactic latitudes were mainly sampled at l = 97.5° and 105.6° and negative latitudes at 254.4° galactic longitude, the observations are well suited to derive information on the warp of the galactic disk. In order to reproduce the source counts from the GFLS we had to assume an amplitude of the warp within 20% of that derived from 2MASS. The whole survey is included in the Spitzer science archive which opened in April 2004

Unlocking the secrets of stellar haloes using combined star counts and surface photometry

The stellar haloes of galaxies can currently be studied either through observations of resolved halo stars or through surface photometry. Curiously, the two methods appear to give conflicting results, as a number of surface photometry measurements have revealed integrated colours that are too red to be reconciled with the halo properties inferred from the study of resolved stars. Several explanations for this anomaly have been proposed - including dust photoluminescence, extinction of extragalactic background light and a bottom-heavy stellar initial mass function. A decisive test is, however, still lacking. Here, we explain how observations of the halo of a nearby galaxy, involving a combination of both surface photometry and bright star counts, can be used to distinguish between the proposed explanations. We derive the observational requirements for this endeavour and find that star counts in filters VI and surface photometry in filters VIJ appears to be the optimal strategy. Since the required halo star counts are already available for many nearby galaxies, the most challenging part of this test is likely to be the optical surface photometry, which requires several nights of exposure time on a 4-8 m telescope, and the near-IR surface photometry, which is most readily carried out using the upcoming James Webb Space Telescope.Comment: 14 pages, 4 figures; v.2 matches published version (minor changes only

A genome-wide meta-analysis yields 46 new loci associating with biomarkers of iron homeostasis

Bell et al. report 46 new loci associated with biomarkers of iron homeostasis, including ferritin levels, iron binding capacity, and iron saturation, in the Icelandic, Danish and UK populations. The associated loci point to new iron-regulating proteins and important genetic differences between men and women

The genetic basis of endometriosis and comorbidity with other pain and inflammatory conditions

Endometriosis is a common condition associated with debilitating pelvic pain and infertility. A genome-wide association study meta-analysis, including 60,674 cases and 701,926 controls of European and East Asian descent, identified 42 genome-wide significant loci comprising 49 distinct association signals. Effect sizes were largest for stage 3/4 disease, driven by ovarian endometriosis. Identified signals explained up to 5.01% of disease variance and regulated expression or methylation of genes in endometrium and blood, many of which were associated with pain perception/maintenance (SRP14/BMF, GDAP1, MLLT10, BSN and NGF). We observed significant genetic correlations between endometriosis and 11 pain conditions, including migraine, back and multisite chronic pain (MCP), as well as inflammatory conditions, including asthma and osteoarthritis. Multitrait genetic analyses identified substantial sharing of variants associated with endometriosis and MCP/migraine. Targeted investigations of genetically regulated mechanisms shared between endometriosis and other pain conditions are needed to aid the development of new treatments and facilitate early symptomatic intervention

The genetic basis of endometriosis and comorbidity with other pain and inflammatory conditions

Endometriosis is a common condition associated with debilitating pelvic pain and infertility. A genome-wide association study meta-analysis, including 60,674 cases and 701,926 controls of European and East Asian descent, identified 42 genome-wide significant loci comprising 49 distinct association signals. Effect sizes were largest for stage 3/4 disease, driven by ovarian endometriosis. Identified signals explained up to 5.01% of disease variance and regulated expression or methylation of genes in endometrium and blood, many of which were associated with pain perception/maintenance (SRP14/BMF, GDAP1, MLLT10, BSN and NGF). We observed significant genetic correlations between endometriosis and 11 pain conditions, including migraine, back and multisite chronic pain (MCP), as well as inflammatory conditions, including asthma and osteoarthritis. Multitrait genetic analyses identified substantial sharing of variants associated with endometriosis and MCP/migraine. Targeted investigations of genetically regulated mechanisms shared between endometriosis and other pain conditions are needed to aid the development of new treatments and facilitate early symptomatic intervention

New genetic loci link adipose and insulin biology to body fat distribution.

Body fat distribution is a heritable trait and a well-established predictor of adverse metabolic outcomes, independent of overall adiposity. To increase our understanding of the genetic basis of body fat distribution and its molecular links to cardiometabolic traits, here we conduct genome-wide association meta-analyses of traits related to waist and hip circumferences in up to 224,459 individuals. We identify 49 loci (33 new) associated with waist-to-hip ratio adjusted for body mass index (BMI), and an additional 19 loci newly associated with related waist and hip circumference measures (P < 5 × 10(-8)). In total, 20 of the 49 waist-to-hip ratio adjusted for BMI loci show significant sexual dimorphism, 19 of which display a stronger effect in women. The identified loci were enriched for genes expressed in adipose tissue and for putative regulatory elements in adipocytes. Pathway analyses implicated adipogenesis, angiogenesis, transcriptional regulation and insulin resistance as processes affecting fat distribution, providing insight into potential pathophysiological mechanisms

A genome-wide meta-analysis yields 46 new loci associating with biomarkers of iron homeostasis

Abstract: Iron is essential for many biological functions and iron deficiency and overload have major health implications. We performed a meta-analysis of three genome-wide association studies from Iceland, the UK and Denmark of blood levels of ferritin (N = 246,139), total iron binding capacity (N = 135,430), iron (N = 163,511) and transferrin saturation (N = 131,471). We found 62 independent sequence variants associating with iron homeostasis parameters at 56 loci, including 46 novel loci. Variants at DUOX2, F5, SLC11A2 and TMPRSS6 associate with iron deficiency anemia, while variants at TF, HFE, TFR2 and TMPRSS6 associate with iron overload. A HBS1L-MYB intergenic region variant associates both with increased risk of iron overload and reduced risk of iron deficiency anemia. The DUOX2 missense variant is present in 14% of the population, associates with all iron homeostasis biomarkers, and increases the risk of iron deficiency anemia by 29%. The associations implicate proteins contributing to the main physiological processes involved in iron homeostasis: iron sensing and storage, inflammation, absorption of iron from the gut, iron recycling, erythropoiesis and bleeding/menstruation