The majority of group health plans as well as individual health plans have open enrollment in the fall. So now is the time to pay attention to your benefit options. If you are enrolled in an individual health plan in rural Northern California, you will be facing rate increases from 17 percent to 50 percent. However, those receiving subsidies under the Affordable Care Act, (ACA, also known as Obamacare) will likely see the subsidy increase resulting in little increase in actual premiums.
I was particularly intrigued when California opted out of the option to have smoker and non-smoker rates for health insurance as allowed by the Affordable Care Act (aka Obamacare). The law allows the insurer to charge smokers up to 50 percent more than the non-smoker rate. Our state was influenced by a number of studies that indicated smokers would simply not be insured because of the price difference.
Employer provided health benefits are alive and well. The main reasons to provide coverage have not changed. The traditional reasons for providing benefits are recruiting and retaining good employees. With unemployment decreasing (5.8 percent in Shasta County in June 2017) employers find that providing health benefits is often critical in the recruiting process. We are pleased to see our groups expanding their insured rolls because it tells us they are growing.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".