Private Health Insurance Provisions of H.R. 3962

[Excerpt] This report summarizes key provisions affecting private health insurance, including provisions to raise revenues, in Division A of H.R. 3962, the Affordable Health Care for America Act, as introduced in the House of Representatives on October 29, 2009. H.R. 3962 is based on H.R. 3200, America’s Affordable Health Choices Act of 2009, which was originally introduced on July 14, 2009, and was reported separately on October 14, 2009, by three House Committees— Education and Labor, Energy and Commerce, and Ways and Means. Division A of H.R. 3962 focuses on reducing the number of uninsured, restructuring the private health insurance market, setting minimum standards for health benefits, and providing financial assistance to certain individuals and, in some cases, small employers. In general, H.R. 3962 would require individuals to maintain health insurance and employers to either provide insurance or pay a payroll assessment, with some exceptions. Several insurance market reforms would be made, such as modified community rating and guaranteed issue and renewal. Both the individual and employer mandates would be linked to acceptable health insurance coverage, which would meet required minimum standards and incorporate the market reforms included in the bill. Acceptable coverage would include (1) coverage under a qualified health benefits plan (QHBP), which could be offered either through the newly created Health Insurance Exchange (the Exchange) or outside the Exchange through new employer plans; (2) grandfathered employment based plans; (3) grandfathered nongroup plans; and (4) other coverage, such as Medicare and Medicaid. The Exchange would offer private plans alongside a public option. Based on income, certain individuals could qualify for subsidies toward their premium costs and cost-sharing (deductibles and copayments); these subsidies would be available only through the Exchange. In the individual market (the nongroup market), a plan could be grandfathered indefinitely, but only if no changes were made to the terms and conditions of that plan, including benefits and cost-sharing, and premiums were only increased as allowed by statute. Most of these provisions would be effective beginning in 2013. The Exchange would not be an insurer; it would provide eligible individuals and small businesses with access to insurers’ plans in a comparable way. The Exchange would consist of a selection of private plans as well as a public option. Individuals wanting to purchase the public option or a private health insurance not through an employer or a grandfathered nongroup plan could only obtain such coverage through the Exchange. They would only be eligible to enroll in an Exchange plan if they were not enrolled in Medicare, Medicaid, and acceptable employer coverage as a full-time employee. The public option would be established by the Secretary of Health and Human Services (HHS), would offer three different cost-sharing options, and would vary premiums geographically. The Secretary would negotiate payment rates for medical providers, and items and services. The bill would also require that the Health Choices Commissioner to establish a Consumer Operated and Oriented Plan (CO-OP) program under which the Commissioner would make grants and loans for the establishment of not-for-profit, member-run health insurance cooperatives. These co-operatives would provide insurance through the Exchange. Only within the Exchange, credits would be available to limit the amount of money certain individuals would pay for premiums and for cost-sharing (deductibles and copayments). (Although Medicaid is beyond the scope of this report, H.R. 3962 would extend Medicaid coverage for most individuals under 150% of poverty; individuals would be ineligible for Exchange coverage if they were eligible for Medicaid.

Optimal Optomechanical Coupling Strength in Multi-Membrane Systems

We calculate the optomechanical coupling strength for a multi-membrane in a cavity system. The optimal configuration for an array of $N$ membranes placed near the center of a cavity is identified. This results in a coupling strength much greater than previously proposed multi-membrane configurations. We find that the coupling strength scales exponentially with the number of membranes until saturating due to complete localization of the field within the array. Furthermore we explore two sources of loss, those due to light absorption within the membrane(s) and leakage through the cavity's end-mirrors, and evaluate how they affect the possibility of achieving strong coupling.Comment: 12 Pages, 8 Figure

Teaching Statistics with Current and Historical Events: An Analysis of Survivor Data From the Sinking of the HMT Birkenhead, the RMS Titanic, and the Korean Ferry MV Sewol

Citation: Lee, Y., Schumm, W. R., Lockett, L., Newsom, K. C., & Behan, K. (2016). Teaching Statistics with Current and Historical Events: An Analysis of Survivor Data From the Sinking of the HMT Birkenhead, the RMS Titanic, and the Korean Ferry MV Sewol. Comprehensive Psychology, 5, 216522281664790. https://doi.org/10.1177/2165222816647900Statistical examples can feel remote to students, especially if the variables under consideration are ambiguous. However, life or death is not ambiguous but very concrete. Three different historical shipwrecks offer an abundance of ways to demonstrate the relevance and importance of statistics. Here, we discuss statistical outcomes associated with the loss of three ships: the HMT Birkenhead in 1852, the RMS Titanic in 1912, and the Korean ferry MV Sewol in April 2014. These disasters can serve as examples for demonstrating the relevance of statistics to current events. Statistics in these historical events can help students see that the survival rates of different groups of passengers were very different, with medium to large effect sizes. Even if statistical analyses cannot answer all of the questions about why some passengers had higher survival rates than others, they can lead to further productive qualitative or quantitative research into such questions

Hydrothermal Processes and Mobile Element Transport in Martian Impact Craters - Evidence from Terrestrial Analogue Craters

Hydrothermal alteration and chemical transport involving impact craters probably occurred on Mars throughout its history. Our studies of alteration products and mobile element transport in ejecta blanket and drill core samples from impact craters show that these processes may have contributed to the surface composition of Mars. Recent work on the Chicxulub Yaxcopoil-1 drill core has provided important information on the relative mobility of many elements that may be relevant to Mars. The Chicxulub impact structure in the Yucatan Peninsula of Mexico and offshore in the Gulf of Mexico is one of the largest impact craters identified on the Earth, has a diameter of 180-200 km, and is associated with the mass extinctions at the K/T boundary. The Yax-1 hole was drilled in 2001 and 2002 on the Yaxcopoil hacienda near Merida on the Yucatan Peninsula. Yax-1 is located just outside of the transient cavity, which explains some of the unusual characteristics of the core stratigraphy. No typical impact melt sheet was encountered in the hole and most of the Yax-1 impactites are breccias. In particular, the impact melt and breccias are only 100 m thick which is surprising taking into account the considerably thicker breccia accumulations towards the center of the structure and farther outside the transient crater encountered by other drill holes

Raman Lidar Profiles?Temperature (RLPROFTEMP) Value-Added Product

The purpose of this document is to describe the Raman Lidar Profiles–Temperature (RLPROFTEMP) value-added product (VAP) and the procedures used to derive atmospheric temperature profiles from the raw RL measurements. Sections 2 and 4 describe the input and output variables, respectively. Section 3 discusses the theory behind the measurement and the details of the algorithm, including calibration and overlap correction