The Pardu

The Pardu
Watchful eyes and ears feed the brain, thus nourishing the brain cells.
Showing posts with label Morning Java. Show all posts
Showing posts with label Morning Java. Show all posts

Monday, July 21, 2014

Morning Java: Scarborough Starts The Week Caught in False Dogma




Enjoy while the caffeine kicks-in!!!!


How about a reminder of conservative false dogma to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?

                             Coffees of the World


Scarborough invokes Reagan! 

Don't you tire of hearing and seeing Republicans throw Ronald Reagan in your face. 

There isn't a day of news without mention of the nations 40th president. A president who not only handed all Americans since the mid 1980s Trickle-down or Supply side economics, he administered over the most corrupt Administration in US history. Yahoo Answers dot com linked here or Liberals Like Christ dot org, here.  

Reagan was also not only the Father of Modern Conservatism, he is the historic patriarch of much of the nation's divisiveness regarding race. His political ambition opened the door for slimy political operative like Lee Atwater (and his shepherding of GOP Southern Strategy).  Of course, some will say, "how dare you!"  I retort declaring his candidacy for the Oval Office in Philadelphia Mississippi, promulgating "welfare queen" ideology and associated mantra and avid support for segregationist Bob Jones University, without doubt handed a platform to America racist underbelly. Also, his party continues to promulgate as much today.

Republicans also failed to remember Reagan was the first US president to actively negotiate with "terrorist" and he via Oliver North actively traded arms to Iran for hostages.  He sold arms to foreign nations to fund military hit squads in Central America. I have also read he provided Saddam Hussein his first "batch" of chemical weapons or chemical weapon technology. 

As a matter of lingering damage to the nation, we must recall he nominated Antonin Scalia to the US Supreme Court. Reagan's Scalia was followed by his predecessors nominated of Clarence Thomas and Anthony Kennedy.

In case you missed the earlier point about Trickle-down economic policy from Reagan and the GOP we offer this: Income inequality rooted in economic policy. Look closely at the graphics staring in 1980 and 1981.  



We have taken a rather long look at Reagan for the aforementioned reasons. We so tire of hearing republicans speak of the man as if he was a US messiah. 

Earlier today Joe Scarborough fired-off the most recent example of GOP drivel regarding Reagan. During a segment on The Morning Joe Show, for some reason the on-air dialogue moved to vacationing presidents and crisis during their times away for office. Scarborough performed admirably for his ideology and party by throwing Reagan response to the shooting down of a US airliner over or near North Korea.

http://on.msnbc.com/UmCCh2



Read more after the break below

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Thursday, July 17, 2014

The Daily GOP Ignominious And Your Morning Java: Adam Kwasman "Bus Raider" Tea Party Darling


Never before has the TPI staff joined The Daily GOP Ignominious with our Morning Java pieces. Yesterday, progressive news carried a story that warrants the dual punch resultant for over-the-top ignorance and bigotry coupled with efforts at political expedience.

If you are at work with PC within a matter of inches, do now spew that java across your monitor as you follow this piece.


Enjoy while the caffeine kicks-in!!!!


How about a reminder of conservative ignorance and Tea Party ideology to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?

                          Coffees of the World



Take a look at conservative America, a GOP Tea Party candidate,  A women "Bus Scout" who sounds a false alarm and exactly what some call "Karma."

Some call it "Karma", I call it "living by the gun and dying by the gun" (reference to weapon not related to the old axiom or idiom (If you prefer).

Candidate Adam Kwasman, was in top form at the local anti-refugee protest. His opportunity to shine for the local haters would surely bode well and at no campaign cost.

Anti-Immigration Activists Protest Arrival Of Unaccompanied Central American Children To Housing Facility
Adam Kwasman, a Tea Party patriot running for congress (R), has a heated discussion with an anti-immigration activist during a protest along Mt. Lemmon Road in anticipation of buses carrying illegal immigrants on July 15, 2014 in Oracle, Arizona.Sandy Huffaker—Getty Images


During the source of a rather animated performance for some in the crowd, received what he thought was word for a once in a campaign photo-op. A photo-op replete with opportunity to fire off a Tweet for audience spread and maximum penetrate of voters who hate the thought of re-settled refugees. In the State of Arizona, that means the vast majority of voters would love his Tweet. Hell, he'd have the perfect election archive item and the basis for a zinger of a 30 second ads spot for later in the campaign. 


Life was good and the libido was all charged up.  

The tweet... and an image of his prey the yellow bus rolling down the thoroughfare.   

Oh, the anticipate must have been damned near orgasmic!
AdamKwasman

Adam Kwasman (R) @AdamKwasman

Bus coming in. This is not compassion. This is the abrogation of the rule of law. #AZ01 http://t.co/NfNny2poHi

Screenshots of links in this tweet




The photo-op passed with time and the successful tea party politician was int he face of a local television reporter and ready for his "Hail Caesar" moment.  

Life was good and getting better by the moment.


Read more and see video after the break below

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Sunday, July 6, 2014

Morning Java: ObamaCare Still Under Fire! (Could Fall To Judicial Activism)




Enjoy while the caffeine kicks-in!!!!


How about a reminder of conservative onslaughts against the ACA to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?

                             Coffees of the World



I will wager you are unaware the most profound and life sustaining law passed since Medicare in the mid 1960s is under threat.  A three judge panel on the on the D.C. Circuit Court of Appeals can decide within a matter of days to kill a core component of the Affordable Care Act. You might find one fact related to the DC Appeals Court a real terror. If you are savvy regarding legal legal challenges, if you understand that few judicial decisions are rendered without consideration of politics and you aware of the political implications of such decisions, you should have a horrible thought running through your mind. Fact is, the DC Appeals Court is comprised of three judges: two are Republican. Both Republican Judges have expressed sympathy for challenges to the ACA. One Bush appointee is quite vocal about opposition to core foundation of the ACA.

How about a look at the power of two Republican judges?


Twenty million Americans benefiting from the ACA could be tossed a Republican hand grenade with the pin removed seconds ago. 

According to reports from Talking Points Memo the case is a precarious a long shot for appeal.
Excerpt 
The case is about whether the Affordable Care Act permits the federally-run insurance exchange to provide subsidies to consumers. Crafted by Case Western law professor Jonathan Adler and Cato's Michael Cannon, it charges that the plain language of the statute confines the provision of premium tax credits to "an Exchange established by the State" -- and not the federal exchange, which serves residents whose states opted not to build one.

The Obama administration won the case in January at the D.C. District Court, where Clinton-appointed Judge Paul L. Friedman labeled the challengers' claim "unpersuasive." He said Congress designed the federal exchange on behalf of states, so it functions as such for the purpose of the law. A ruling against the government, Friedman said, would "violate the basic rule of statutory construction that a court must interpret a statute in light of its history and purpose."
Long shot? We know the power of Republican politics and we have seen the outcomes of republican judges who for one reason or another may preside over cases while influenced by conservative oligarchs. If you need a case for clear delineation of my point accept this case from this past May.

Of course, you know SCOUTS Justices Thomas, Scalia and Alito have history of attending conservative events. One such even was reported to be a fund raising event.  As matter of fact, an event in 2011 was "headlined" by Thomas and Alito as Honored Guests. 

We are not suggesting judicial impropriety. We are reminding our readers of conservative/Republican judges who may serve as accommodating judicial activist who serve at the whims of oligarchs who wish to repeal the ACA.
More from TPM 
George H.W. Bush-appointed Judge A. Raymond Randolph antagonized the law and sounded firmly in the opponents' camp, saying that the "text of the statute seems perfectly clear on its face" that premium tax credits are only for state-run exchanges. 
"There's an absurdity principle, but I don't think there a stupidity principle," Randolph said. "If the legislation is just stupid, I don't see that it's up to the court to save it."

So the decision could come down to George W. Bush-appointed Judge Thomas B. Griffith, who sounded plainly unconvinced that the statute permits the federal exchange to provide subsidies. He said the legislative history arguments were a "wash" and that the government bears a "special burden" in proving their case.

"Don't you have a special burden to show from legislative history that that doesn't mean what it appears to mean?" Griffith asked the government's lawyer. "If we know the clear purpose of Congress and yet they don't legislative clearly enough to achieve that purpose, is it our job to fix the problem?"

Unlike the birth control challenge, which carries broad legal implications but implicates only a small portion of Obamacare, a loss for the administration in this case, Halbig v. Sebelius, would deal a fatal blow to Affordable Care Act. The federal exchange serves 36 states, and the millions of residents in those states would not be able to afford insurance without subsidies. That would render the individual mandate impracticable and imperil the market regulations that guarantee coverage to consumers regardless of health status.
Sadly, we can no longer expect judicial decisions at the Federal level that are free of judicial activism. Furthermore, it is a tragic state to live with judicial activism straight from the mind and politics of a George W. Bush appointee. We continue to live with the ghost of George W. Bush. without doubt the worse president in modern US History.
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Saturday, May 31, 2014

Morning Java: GOP Leadership Conference 2014


Enjoy while the caffeine kicks-in!!!!


How about quick review of GOP Leadership Circa 2014  to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?
Morning peep at GOP Leadership according to the RNC as we move towards the 2014 mid-terms. We will downplay extensive comment out of respect for our conservative readers. We work hard to live by the old adage, "Don't puck on the downtrodden!"


            

 Homophobia
“Start with homosexual behavior and just morph out from there. Bestiality, sleeping around with this woman and that woman and that woman and those men," Robertson 
Racial fantasy,  Pre-Civil War plantation paradigm and a Jim Crow mindset
“I never, with my eyes, saw the mistreatment of any black person," Robertson is quoted in GQ. "Not once. Where we lived was all farmers. The blacks worked for the farmers. I hoed cotton with them. I’m with the blacks, because we’re white trash. We’re going across the field.... They’re singing and happy. I never heard one of them, one black person, say, ‘I tell you what: These doggone white people’—not a word!... Pre-entitlement, pre-welfare, you say: Were they happy? They were godly; they were happy; no one was singing the blues.”
 Seriously?
“Make sure that she can cook a meal. You need to eat some meals that she cooks, check that out. Make sure she carries her Bible. That’ll save you a lot of trouble down the road," Robertson said. 
He then went on to say that men should wed girls who are young. 
“They got to where they're getting hard to find, mainly because these boys are waiting ‘til they get to be about 20 years old before they marry 'em,” Robertson said. “Look, you wait ‘til they get to be 20 years old the only picking that’s going to take place is your pocket. You got to marry these girls when they are about 15 or 16. They’ll pick your ducks."

It appears Rience Priebus worked hard and long to secure a truly representative group for his 2014 GOP Leadership Conference. The list of speakers is as indicative of the GOP Circa 2000 as anyone could imagine. Never before has an RNC Chair put together a group of whacked-out characters GOP politicians that embodies the essence of his dying party. The scheduled, programmed and "run-of-the-show" speakers validate all that is wrong with the political Right.  

I believe the event commenced with Robertson in all "Bayou Bigot glory" as Keynote Speaker. Robertson kicked-off Priebus's anti-Obama circus and set the stage for 2014 "under the big-tent." 

As you look over the following marquee, can you think of why we as US voters cannot allow GOP leadership to grab hold of the Executive Branch of our government?

RLC 2014

How about a few closer snippets of the marque-ed GOP leadership cadre?

"A Team"  Front Guard Leadership
Table HeaderTable HeaderTable Header
GOP
Presidential
Hopeful
"BLAH" people
Former FLA.
Congressman
81 Dems in Congress:
Communist
Less than honorable
military separation
GOP Presidential
Hopeful
"999" Tax Code
Campaign mouthpiece
Fails to understand
GOP racial doctrine
Tea Party Senator
GOP Presidential
Hopeful
Crack Pot Liar
Guru Of Govt. Shutdown
($28 Billion)
Self-centered opportunist


The Monarch Queen of the "Big Tent"
Table The Inimitable
GOP Member of
Congress

Star or Politifact
"Pants on Fire"

"Believe me?" I you Dare
Politifact Truth Rulings

Bachmann's statements by ruling

Click on the ruling to see all of Bachmann's statements for that ruling.


Gestures of the Court
Table HeaderTable HeaderTable Header
Former Gov Tx.
GOP Presidential
Hopeful
Not very smart
"OOOPs"
GOP Member of
Congress TN.
Frequent TV Pundit
Major GOP Motor
Mouth
Veracity Level of
Zero
Governor Louisiana
Coy and Crafty GOP
Pundit

Will never win 'the
GOP Presidential
Nomination
"Enough said"
GOP Presidential
Hopeful Till
Opportune
not to be
Carnival Barker
GOP Anti-Obama
Demagogue

GOP Wordsmiths
Table HeaderTable HeaderTable Header
Clinton ERA GOP
House Leader
"Slick" GOP
money earner
High School kid
as Janitors
Bigot (Chameleon)
mccaugheyOne term Lt. Gov
New York
Anti-ACA fighter
Writer and
GOP Pundit
Future
GOP prospect for the
White House?

http://on.msnbc.com/1k2pqJm (Politics Nation, Al Sharpton 2:22 minutes)

http://on.msnbc.com/1tY365K (Politics Nation, Al Sharpton 10:00 minutes)


2014 GOP Leadership Conference Keynote messenger. (15 year old girls!)
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Wednesday, February 12, 2014

Morning Java Quick Hit: Existential Hillary! Yes or No!



Enjoy while the caffeine kicks-in!!!!


How about a comment from MSNBC's Krystal Ball on Hillary's possible run in 2016 to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?
                                 Coffees of the World

I, The Pardu, agree with every word spoken by Krystal Ball, MSNBC's The Cycle......


Don’t run, Hillary
Krystal shares why she doesn’t want Hillary Clinton to run in 2016 and why Elizabeth Warren should take her fight for the middle class to the White House

http://on.msnbc.com/a5E7aG
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Saturday, January 4, 2014

Morning Java: A Bitch Gets A Lesson!

Reinforce the lesson with a listen to "Go Your Own Way." Hey, the video audio below is in Portugese and subtitled to English.

http://youtu.be/qNM6IuA87eM




Enjoy while the caffeine kicks-in!!!!


How about quick lesson in anti-racism to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?
                       Coffees of the World

The Portuguese know how to do it.....and that do it right.


In America, we play the game very differently. Thus we enable the privilege requested by the bitch in the video.

http://youtu.be/6yVMik5Mfwk



In order to stop racism, it must be confronted. When we act as if it is not our problem it digs in deeper and deeper as a problem.
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Sunday, November 3, 2013

Morning Java: Affordable Care Act...Kaiser Health News.... Why Insurers Cancel Policies



Enjoy while the caffeine kicks-in!!!!


How about some Kaiser Health News information to go along with your Sumatra,  Kopi Luwak IndonesianKenya AA, Tanzanian, French Roast, Kona Coast, 'Black Ivory' [Thai Elephant Dong],  Jamaica Blue Mountain, Ethiopian Yirgacheffe, Costa Rican, Espresso,  Moyobama Peruvian Organic, Indonesian Blend, Coffee Latte, Kauai Blend (often bitter), Colombian Red Lips, or your Folgers 100% Colombian?
                       Coffees of the World

Re-Blog from Kaiser Health News


Why Insurers Cancel Policies, And What You Can Do When It Happens

OCT 30, 2013
News that health insurers are ending the policies of what could be millions of Americans has rattled consumers and added to the debate over the health care law.
If you or a family member has been notified that your individual policy is being cancelled at year’s end, you may be stunned and upset.
House Republicans sparred with Health and Human Services Secretary Kathleen Sebelius Wednesday over the cancellations, with Sebelius saying the law generally didn’t require insurers to discontinue plans if they were in effect at the time of the law’s enactment in March 2010.
No one knows how many of the estimated 14 million people who buy their own insurance are getting such notices, but the numbers are substantial. Some insurers report discontinuing 20 percent of their individual business, while other insurers have notified up to 80 percent of policyholders that they will have to change plans.
Here is a guide to help you understand the bigger picture, including why your premiums and benefits are likely to change next year and what you should consider as you shop for a new policy.
Q. Why is this happening?
A. The so-called individual market was targeted by the health care law because it didn’t work well for many people who do not get coverage through an employer, particularly those who were older or had health problems. The latter were often rejected for coverage, charged more or had their conditions excluded from coverage.  Some policies were so skimpy they provided only the barest of coverage when someone did fall ill.
Starting Jan. 1, insurers can no longer reject people who are sick or charge them more than the healthy under the Affordable Care Act. They must also beef up policies to meet minimum standards and add benefits, such as prescription drug coverage, maternity care and mental health services.
Q. Why am I getting this notice?
A. Most likely your plan didn’t meet all the standards of the federal health law.  One type of policy being discontinued by Florida Blue, for example, did not cover hospitalizations or emergency room visits and paid a maximum of $50 toward doctor visits.  It’s possible your plan also had deductibles and other potential expenses – such as copayments for doctors and hospital care -- that exceeded the law’s annual out-of-pocket maximum of $6,350 for individuals or $12,700 for families. Insurers may have just decided to end certain types of policies, something they have always had the ability to do. Some policies that fail to meet the law’s standards can still be sold, but only if the insurer decides to continue them and they are “grandfathered,” meaning you purchased one before March 2010 and neither you nor the insurer has made any substantial change since then.  Adjusting an annual deductible, which many people do each year to keep down their premiums, is a change that could end grandfathered status.
Q. How are insurers picking policies to discontinue?
A. Some consumers fear they are being targeted because they are unhealthy or otherwise unprofitable for an insurance company. Kansas Insurance Commissioner Sandy Praeger said insurers can only discontinue entire blocks of business and cannot simply pick and choose certain customers to cancel.  Those whose policies are canceled can sign up instead for a new plan and can’t be rejected because of their health. Insurers say they are ending policies that don’t meet the law’s standards or were not grandfathered. And some of those are profitable plans: Kaiser Permanente in California, for example, says the biggest block of policyholders losing their current coverage were enrolled in a popular $4,000 deductible plan with no maternity benefits that was doing so well that they had not had to raise rates in several years. They actually had to send rebates to policyholders last year under a provision of the health law that requires insurers to spend at least 80 percent of enrollees’ premiums on medical care or issue rebates. (KHN is not affiliated with Kaiser Permanente).
 Q. My insurer says if I renew before the end of the year, I can keep my current plan. What does this mean?
A.  In some states, insurers are offering selected policyholders a chance to “early renew,” meaning they can continue their existing plan through next year, even if it doesn’t meet all the law’s standards.  If you choose this option, your premium may still go up, but the cause would be medical inflation, rather than the need to add benefits because of the health law.  Not all states allow early renewals. Fearing insurers would offer such renewals only to their most profitable plans, a handful of states, including Illinois, Missouri and Rhode Island, barred insurers from doing it.
Q. Why are premiums changing?
A. Under the old rules, insurers could decide whether to accept you – and how much to charge -- based on answers to dozens of medical questions. You no longer have to fill out those forms. Starting Jan. 1, insurers can no longer charge women more than men, reject people who are sick or charge them more and can charge older people only three times more than younger ones. They’re also adding new benefits.
As they drew up the rates for 2014, insurance firms had to make educated guesses about how many customers would stay, how many new ones they would attract – and what the health conditions of those new members might be.  Actuaries say the new rules on how much insurers may vary rates level the playing field, making premiums more of an average. Older buyers or those who had above-average health problems – and whose former rates reflected those problems – may find their premiums going down. Younger or healthier people, on the other hand, may find premiums going up, sometimes sharply.  Under the new rules, consumers “are not paying based on their own health status, but an average health status,” said Robert Cosway, an actuary with consulting firm Milliman. “The positive side is that people in poor health won’t have to pay as much, but the way you get there is that people in better health have to pay more.”

Q. I don’t qualify for a subsidy, and my premium is going way up for what the insurer tells me is a comparable policy. Why is that?
A. Insurers base premiums on a number of factors, including medical inflation and the cost of implementing insurance rules. A report on the California market done by Cosway at Milliman estimated that medical inflation and changes from the health law could add about 30 percent to the average premium in California. The biggest chunk of the increase was attributed to insurers being required to accept everyone, even those who are ill. That requirement polls well with the public. But it makes insurers nervous because they can no longer reject the costliest patients. While consumers like George Anders of California says he supports the concept, he’s not happy that his current plan is being discontinued. Anders, a contributing writer for Forbes and author of  a critique of HMOs called Health Against Wealth, said the premiums for a new policy that covers him, his wife and two children will about double, although his annual deductible may go down.  “As a social policy, I’m glad to see everyone get coverage, but if you’re going to add cost to the system, I’d like to see it spread equitably,” perhaps through an across-the-board tax, rather than just hitting policyholders, he said.
Q. I’m healthy. Why do I have to pay for people who are sick?
A.  Except for a fortunate few, everyone is likely to develop some kind of health problem or face an accident sometime in their lives. Policy experts and regulators say insurance works best when it spreads risk across a large group of people. Your house may not burn down this year, but you pay for insurance coverage just in case.
Q. I’m a single man, why do I have a plan with maternity coverage?
A. Again, it’s about spreading the risk. Men may not need maternity care, but women don’t need treatment for prostate cancer and those costs are baked into the rates, too.  Older men, and women past child-bearing age, are more likely to need treatment for heart disease, artificial hips or other illnesses that younger men and women are less likely to need. “The whole concept of insurance is you can’t just pick and choose the benefits you want,” said Praeger.  If people – especially older ones – get premiums based solely on what they might need, she said, “it could cost a whole lot more.”
Q. What if it turns out they’ve charged too much for the new coverage?
A. Under the health law, insurers who fail to spend at least 80 percent of their premium revenue on medical care have to issue rebates to consumers. Those rebates for 2014 policies won’t be seen until 2015, however.
Q. I’ve gotten this notice, what should I do now?
A.  Experts say people should scrutinize the terms of their soon-to-be-discontinued policy and compare them with what new policies offer. The monthly premium is just one factor in cost. Also note the deductible. Is it per person?  What is the maximum deductible if two or more family members fall ill in the same year? Finally, note the annual out-of-pocket cap, which is the maximum you pay in deductibles and co-payments for medical care during the year.
“People need to be aware of their range of options,” said Cori Uccello, senior health fellow at the American Academy of Actuaries. Direct comparisons may be difficult, she warned, as the new policies will often cover a wider range of benefits, but you should be able to compare deductibles and copayments for various services, including drugs.
Some insurers are recommending new plans that are most similar to the one being discontinued, and could automatically enroll you in such a plan if you take no action. Those are not your only options. You should double-check and compare a range of plans, experts say.  An independent broker can show you plans from various carriers. You can also check your state’s online marketplace or log onto or call healthcare.gov, the website serving 36 states that opted not to create their own marketplaces. While consumers are having trouble creating accounts through healthcare.gov, the website now allows shoppers to browse health plans without creating an account. When browsing, however, be aware that the premiums are not actual quotes because they do not reflect your exact age.  Nor do they show subsidies, although several online calculators—including some on state marketplace websites and another by the nonpartisan Kaiser Family Foundation can give you a good idea of how much you might receive toward coverage, based on your income. (Kaiser Health News is an editorially independent program of the foundation.)
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