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13+ min ago (1065+ words) Extra subsidies that made Affordable Care Act plans more affordable for millions of Americans for the past five years are all but guaranteed to vanish on New Year's Day. In January, most people who buy plans on HealthCare.gov or a state-run marketplace will see a rise in their monthly premium, ranging from a modest bump to hundreds or even thousands of dollars. The extra subsidies, provided during the coronavirus pandemic, were never supposed to be permanent. The original, more modest subsidies provided under the ACA remain available on the marketplaces, where 24 million Americans, most of them without workplace coverage, bought plans this year. ACA enrollees are being squeezed from two directions. In addition to losing some subsidies, their average monthly premiums are rising steeply by an estimated 26 percent, according to KFF, a nonpartisan health policy organization. The resulting surge…...

20+ min ago (1280+ words) For the millions of Americans who buy Affordable Care Act insurance, there's still time left to enroll for 2026. But premium increases and the expiration of enhanced tax subsidies have led to larger-than-expected costs. Concerned shoppers, wondering if there's anything they can do, are consulting insurance brokers or talking to representatives at ACA marketplace call centers. "We're hearing from people with complex medical conditions who don't think they can survive if they don't have access to medical care," said Audrey Morse Gasteier, executive director of the Massachusetts Health Connector, that state's insurance marketplace. And some are considering going outside the ACA to find more affordable options. But that requires caution. Meanwhile, the deadline for choosing a health plan is quickly approaching. The official end of open enrollment is set for Jan. 15 for coverage starting Feb. 1. In most states, it's already too…...

1+ hour, 13+ min ago (522+ words) Scenario AI is a specialized AI SaaS tool developed by Zeitro, a company dedicated to modernizing the US mortgage infrastructure. While Zeitro offers a full suite of tools'including pricing engines and POS systems'Scenario AI is their flagship "brain." Think of it as a super-smart underwriter sitting on your desktop, available 24/7. Unlike generic AI tools that might "hallucinate" answers, Scenario AI is purpose-built for the mortgage industry. It utilizes a proprietary "DeepSearch" mode that cuts through thousands of pages of official guidelines to deliver precise recommendations. It doesn't just guess; it analyzes. Scenario AI isn't a one-size-fits-all tool; it solves distinct problems for different players in the mortgage ecosystem. Now, let's look how Scenario AI comes to help. We have all learned to be skeptical of AI. "Hallucinations'where an AI confidently gives you the wrong answer'are a deal-breaker in mortgages. You…...

1+ hour, 40+ min ago (252+ words) ZURICH, Dec 18 (Reuters) " Swiss pharma giants Novartis and Roche on Thursday backed U.S. efforts to lower the cost of drugs and "are working with the Trump administration towards that goal following a report they are close to a pricing deal. U.S. President Donald Trump in July sent letters to 17 drugmakers urging them to slash prices. Pfizer "and AstraZeneca first reached deals, agreeing "to lower prescription drug prices in return for relief from tariffs. Last month, Eli Lilly and Novo Nordisk agreed a deal to slash prices of popular GLP-1 weight-loss drugs "for U.S. Medicare and Medicaid programs and for cash payers. Novartis said it is in discussions "with the Trump administration and "is committed to finding solutions that "lower costs for Americans and address price disparities between "the United States and other high-income countries. "We believe all countries should appropriately value and contribute…...

1+ hour, 42+ min ago (233+ words) When HCA Healthcare, one of the largest hospital systems in the U.S., recently told employees it would stop covering blockbuster obesity drugs Zepbound and Wegovy next year, it pointed them to an alternative way to get the treatments: Buy them themselves. In a notice viewed by STAT, HCA said use of the GLP-1 weight loss drugs surged 90% this year, "significantly" raising costs. It instead suggested employees enroll in discount programs introduced by the drugs" manufacturers, Eli Lilly and Novo Nordisk, which allow patients to buy the medicines without using insurance at cash prices that are lower than the list prices. "Another way of phrasing what HCA said is, "I"m gonna direct you to this manufacturer plan, because for me as a company, that"s a lot cheaper than me buying you the drug," said Craig Garthwaite, director of health care…...

2+ hour, 37+ min ago (68+ words) US House approves GOP health bill without ACA tax credit extension. The US House of Representatives approved a Republican-backed health care bill on Wednesday that does not include an extension of the expiring tax credits used by millions of Americans to help pay for US House approves GOP health bill without ACA tax credit extension Bitget Launches POWERUSDT For Futures Trading With 20X Leverage And Bot Integration...

2+ hour, 56+ min ago (422+ words) As Congress scrambles to address the looming deadline, NBC 7s Kelvin Henry explains whats at stake for those who are covered through the Affordable Care Act. Congressional lawmakers are scrambling to address the looming rise of health insurance premiums. Meanwhile, many Californians " under pressure of Covered California's open enrollment deadline next month" are watching to see if federal lawmakers will extend enhanced premium tax credits under the Affordable Care Act, also known as Obamacare. On Wednesday, four congressional Republicans joined Democrats, signing a petition to force a vote on funding for the ACA. If the enhanced health care tax credits do expire as expected, insurance costs are expected to double, on average, for about 22 million people who get their coverage through the Affordable Care Act. Around 1.5 million Californians receive their coverage through Covered California which is the states marketplace. "Unfortunately, if…...

3+ hour, 47+ min ago (227+ words) Shift4 Payments, Inc. (NYSE:FOUR) is one of the best FinTech stocks to buy in 2026. Even so, the analyst argued the setup looks attractive after the pullback, acknowledging execution risk on Global Blue but leaning on management's M&A history and the embedded cross-sell opportunity in payments. Freedom also framed its valuation around 9x its 2026 estimated adjusted EBITDA of $1.25 billion, landing at the $80 target. In other news, Shift4 said on December 3, 2025, that its subsidiaries priced a "435 million tack-on offering of 5.500% senior notes due 2033 at an issue price of 102.50%, with an expected close on December 8, 2025. The company said net proceeds are intended for general corporate purposes, including debt repayment, strategic acquisitions, growth initiatives, and potential share repurchases. Shift4 Payments, Inc. (NYSE:FOUR) is a payments and commerce technology company that enables businesses to accept card payments and manage transactions across multiple channels, serving merchants in…...

5+ hour, 23+ min ago (216+ words) At the end of 2025, the pandemic-era subsidies for the Affordable Care Act are due to expire. Federal lawmakers are debating ways to extend them, while House GOP leadership is pushing its own health care measure. It would work to manage drug costs and process claims for insurance plans, restore government funding for cost-sharing reductions often given to Affordable Care Act enrollees to reduce what they pay in deductibles and copays, and allow small businesses and the self-employed to expand insurance coverage options by banding together to purchase Association Health Plans. The Insurance Source's Guy Furay says that one of the bright spots in the plan is that "the association health plans is going to benefit a lot of people, the problem with that is trying to find the carriers who want to form and offer the insurance to said associations,…...

5+ hour, 28+ min ago (381+ words) The IRS recently issued new guidance clarifying which telehealth and remote care services may be offered by a high deductible health plan (HDHP) before a deductible is satisfied without jeopardizing health savings account (HSA) eligibility. Generally, to be compatible with an HSA, an HDHP can only provide coverage for preventive medical benefits before the HDHP deductible is satisfied, except for certain permitted services such as specified telehealth and other remote care services....By: Haynes Boone New Guidance: When Your Virtual Medical Benefits Can Disqualify Your High Deductible Health Plan The IRS recently issued new guidance clarifying which telehealth and remote care services may be offered by a high deductible health plan (HDHP) before a deductible is satisfied without jeopardizing health savings account (HSA) eligibility. Generally, to be compatible with an HSA, an HDHP can only provide coverage for preventive medical…...