John McAfee reveals details on gadget to thwart NSA
John McAfee seems to be able to shovel the BS as well as any professional politician does so I am not sure if this is something that is real or if
John McAfee just wants to remove some money from your wallet.
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John McAfee reveals details on gadget to thwart NSA
By Tracey Kaplan
tkaplan@mercurynews.com
Posted: 09/28/2013 07:06:58 PM PDT
SAN JOSE -- John McAfee lived up to his reputation Saturday as tech's most popular wild child, electrifying an audience with new details of his plan to thwart the NSA's surveillance of ordinary Americans with an inexpensive, pocket-size gadget.
Dubbed "Decentral," the as-yet-unbuilt device will cost less than $100, McAfee promised the enthusiastic crowd of about 300 engineers, musicians and artists at the San Jose McEnery Convention Center.
"There will be no way (for the government) to tell who you are or where you are," he said in an onstage interview with moderator Dan Holden at the inaugural C2SV Technology Conference + Music Festival.
And if the U.S. government bans its sale, "I'll sell it in England, Japan, the Third World. This is coming and cannot be stopped."
The ambitious -- some would say quixotic -- project is the latest chapter of McAfee's colorful life.
The anti-virus software pioneer's antics have included his widely publicized flight last year from Belize, where he remains wanted as a "person of interest" in the shooting death of his neighbor.
Even so, he remains an icon in the annals of Silicon Valley's history of entrepreneurship. In 1989, he founded the anti-virus software company that still bears his name and once was worth $100 million. In 1994, he ended his relationship with the company and moved to Colorado.
During the interview, the 68-year-old with spiky black hair tipped blond, who wore light blue cargo pants and a black sweatshirt, remarked on a wide range of topics, from how quickly he gets bored once one of his creations comes to fruition (including the software security company he founded) to how yoga helped him 30 years ago to quit using drugs, including his favorite (psychedelic mushrooms).
It was a talk bound to appeal to the young audience, which broke into frequent applause. Among the group was his new 30-year-old wife, Janice Dyson. She said in a brief interview
afterward with this newspaper that she is a former stripper. The couple met in Miami, where McAfee went after being deported from Guatemala.
"I keep him grounded," she said.
McAfee outlined what some might regard as a pie-in-the-sky plan to finish the first prototype of the Decentral in six months. He said the gadget is called Decentral because by communicating with smartphones, tablets and other devices, it will create decentralized, floating and moving local networks that can't be penetrated by government spy agencies.
The design is in place already for a version whose range will be three blocks in the city and a quarter mile in the country, he said. The device will be compatible with both Android and iPhones.
As far as consumers' appetite for such a gizmo, he said, "I cannot imagine one college student in the world who will not stand in line to get one."
Commuters will also find it useful, he said. Neighborhoods will be better able to fight crime because Decentral will include an option that sends an alert if there is a burglary or other crime.
McAfee said the idea for the device came to him well before computer analyst and whistleblower Edward Snowden leaked National Security Agency documents that exposed widespread monitoring of U.S. citizens' phone calls and Internet communications.
But with Snowden's actions, "it became the right time" to make it real, he said.
At the end of the 75-minute discussion, McAfee gamely took questions from the audience about everything from what advice he'd give teens (do what you love) to what he fears (his wife, he joked). In response to a question about marijuana, he made clear he doesn't embrace every aspect of the youth culture.
He said he liked pot users when he sold drugs decades ago because their "lives never go anywhere and they remain customers," adding, "Marijuana is a drug of illusion -- it creates the illusion that you're doing great things when all you're doing is sitting on the sofa growing a beard."
McAfee also reiterated that he never killed anyone in Belize and fled after angering the authorities by refusing to pay a $2 million bribe.
There seemed to be intense interest Saturday in McAfee's
John McAfee, right, speaks with Dan Holden at the "Fireside Chat with John McAfee" during the C2SV Technology Conference + Music Festival at the McEnery Convention Center in San Jose, Calif., on Saturday, Sept. 28, 2013. (LiPo Ching/Bay Area News Group) ( LiPo Ching )
current plans. One man asked whether Decentral essentially creates a "dark Web," or part of the Internet that can no longer be accessed by conventional means.
Yes, he said.
Will the privacy it affords allow criminals and others to evade the authorities, another wanted to know.
"It will of course be used for nefarious purposes," he said, "just like the telephone is."
Contact Tracey Kaplan at 408-278-3482.
No. 2 U.S. Nuke Commander Under Investigation
Admiral Giardina is being investigated for using counterfeit gambling chips at the Horseshoe Casino
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Vice Admiral Is Suspended in Gambling Investigation
By MICHAEL SCHWIRTZ and RAVI SOMAIYA
Published: September 28, 2013
A vice admiral who is second in command at the United States Strategic Command, which oversees nuclear war-fighting forces for the military, has been suspended amid an investigation into his possible involvement in illegal gambling, officials said on Saturday.
The officer, Vice Adm. Timothy M. Giardina, is a highly decorated sailor with more than three decades in the Navy. The suspension occurred on Sept. 3, but was not announced publicly, said Capt. Pamela Kunze, the command’s spokeswoman.
Captain Kunze would not comment further on the circumstances surrounding the suspension, citing a continuing investigation by the Naval Criminal Investigative Service.
The Strategic Command was first alerted about the issue in mid-July. A month earlier, Admiral Giardina became the target of an inquiry being conducted by the Iowa Division of Criminal Investigation into possible use of counterfeit gambling chips at the Horseshoe Casino in Council Bluffs, Iowa, said David Dales, the head of the Southwest division of the Iowa Division of Criminal Investigation.
Mr. Dales said the criminality in question involved poker at the casino, but said he could provide no further information. The agency’s investigation is still open and no state charges have been filed against Admiral Giardina, Mr. Dales said.
It was not clear whether Admiral Giardina’s actions compromised national security or the operations of the Strategic Command.
The commander of the Strategic Command, General C. Robert Kehler, has submitted a recommendation to Defense Secretary Chuck Hagel that Admiral Giardina be reassigned, Captain Kunze said. It has not been determined what, if any, additional actions will be taken. The leadership of the Strategic Command is appointed by the president and confirmed by the Senate.
The Strategic Command, based at Offutt Air Force Base near Omaha, oversees a web of military efforts including the military’s space and cyberwarfare operations. It also controls the country’s nuclear arsenal.
Admiral Giardina, a career submarine officer, assumed his duties at the Strategic Command in December 2011. Before that, he was the deputy commander and chief of staff of the Pacific Fleet. He graduated from the Naval Academy in 1979.
He was scheduled to rotate out of his position at Strategic Command later this year. In early July, President Obama appointed an Air Force general to replace Admiral Giardina.
Source
Tim Giardina Suspended: No. 2 U.S. Nuke Commander Under Investigation
By ROBERT BURNS 09/28/13 06:10 PM ET EDT AP
WASHINGTON — The No. 2 officer at the military command in charge of all U.S. nuclear war-fighting forces is suspected in a case involving counterfeit gambling chips at a western Iowa casino and has been suspended from his duties, officials said.
Navy Vice Adm. Tim Giardina has not been arrested or charged, Iowa Division of Criminal Investigation special agent David Dales said Saturday. The state investigation is ongoing.
Giardina, deputy commander at U.S. Strategic Command, was suspended on Sept. 3 and is under investigation by the Naval Criminal Investigative Service, a Strategic Command spokeswoman said.
The highly unusual action against a high-ranking officer at Strategic Command was made more than three weeks ago but not publicly announced at that time. The command is located at Offutt Air Force Base near Omaha, Neb.
Air Force Gen. Robert Kehler, who heads Strategic Command, suspended Giardina, according to the command's top spokeswoman, Navy Capt. Pamela Kunze. Giardina is still assigned to the command but is prohibited from performing duties related to nuclear weapons and other issues requiring a security clearance, she said.
Kehler has recommended to Defense Secretary Chuck Hagel that Giardina be reassigned, Kunze said. Giardina has been the deputy commander of Strategic Command since December 2011. He is a career submarine officer and prior to starting his assignment there was the deputy commander and chief of staff at U.S. Pacific Fleet.
DCI agents stationed at the Horseshoe Casino in Council Bluffs, Iowa, discovered the counterfeit chips, Dales said. He would not say when the discovery was made or how much in counterfeit chips was found, only that "it was a significant monetary amount."
Council Bluffs is located across the Missouri River from Omaha.
"We were able to detect this one pretty quickly and jump on it," Dales said. He declined to give specifics on how authorities determined that casino chips had been counterfeited or how Giardina might have been involved.
Strategic Command oversees the military's nuclear fighter units, including the Navy's nuclear-armed submarines and the Air Force's nuclear bombers and nuclear land-based missiles.
Kunze said Strategic Command did not announce the suspension because Giardina remains under investigation and action on Kehler's recommendation that Giardina be reassigned is pending. The suspension was first reported by the Omaha World-Herald.
Kunze said a law enforcement investigation of Giardina began June 16. Kehler became aware of this on July 16, and the following day he asked the Naval Criminal Investigative Service to begin a probe.
The suspension is yet another blow to the military's nuclear establishment. Last spring the nuclear missile unit at Minot Air Force Base, N.D., pulled 17 launch control officers off duty after a problematic inspection and later relieved of duty the officer in charge of training and proficiency.
In August a nuclear missile unit at Malmstrom Air Force Base, Mont., failed a nuclear safety and security inspection; nine days later an officer in charge of the unit's security forces was relieved of duty.
___
Associated Press writer Margery A. Beck in Omaha, Neb., contributed to this report.
Court to debate right to grow own medicinal marijuana
They want to remove the 25 mile limit for growing medical marijuana!!!
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Court to debate right to grow own medicinal marijuana
Posted: Wednesday, October 2, 2013 5:30 pm
By Howard Fischer, Capitol Media Services
PHOENIX — Medical marijuana patients could learn later this month if they have a constitutional right to grow their own weed.
Maricopa County Superior Court Judge Katherine Cooper said Wednesday she will consider on Oct. 18 a bid by the Department of Health Services to have the lawsuit thrown out. Assistant Attorney General Gregory Falls hopes to convince her that nothing in the Arizona Constitution about the rights of patients to choose their own health care extends to making their own drugs.
If Cooper doesn't buy that argument, she is ready for the next step: She scheduled an Oct. 21 hearing to allow Michael Walz, the attorney for two medical marijuana patients, to tell her why she should order state Health Director Will Humble to let them have their plants.
If Walz ultimately succeeds, the implications go far beyond these two men. It would pave the way for similar rights for the approximately 40,000 individuals who already have been granted permits to possess the drug but now are required to purchase their supply from one of the state's nearly 100 state-regulated dispensaries.
At issue is what Walz said is a conflict between the Medical Marijuana Act that voters enacted in 2010 and a separate constitutional amendment, also approved by voters, two years later.
The 2010 law allows those with a doctor's recommendation to obtain up to 2 1/2 ounces of marijuana every two weeks. It also envisioned dispensaries around the state.
That law also allows anyone not within 25 miles of a dispensary to grow up to 12 plants at any one time. And since no dispensaries were operating, every cardholder initially got that right.
But Humble said that now virtually all Arizonans are within that 25-mile radius. So he is denying grow rights to individuals as they renew their annual permits.
Walz, however, points to a 2012 constitutional amendment which overrules any law that requires anyone to “participate in any health care system.” And that, he argued, means individuals can't be forced to give up the cheaper option of growing their own plants.
“People are legally entitled, if their doctor gives them certification, to obtain and use marijuana for medical purposes,” Walz said Wednesday.
“Many people cannot afford the prices that are charged by dispensaries,” he continued.”Therefore, they need to be able to grow their marijuana for themselves.”
And Walz said that, for some patients, the strain of marijuana is crucial.
“A particular strain may be effective to treat their specific condition and they need that strain,” Walz argued. “They can't depend on a dispensary to make the effort of providing a specific strain for any particular person.”
Humble isn't buying the argument — and not only because he rejects the idea that the Arizona Constitution guarantees individuals the right to make their own regulated medicine. He pointed out that voters themselves approved the provision in the 2010 law, which says the right to grow disappears once there is an available dispensary.
Walz dismissed that as irrelevant.
“I don't know that the voters were aware of that specific provision,” he said.
“They clearly were aware that some patients would be able to grow,” Walz said. “As far as when and how many of those rights would be extinguished, I don't think the voters had a clue.”
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Vietnamese freedom fighter dies!!!
http://www.azcentral.com/news/free/20131004vietnam-general-giap-dies.html
Vietnamese general who pushed out French, US dies at 102
By Margie Mason And Chris Brummitt Associated Press Fri Oct 4, 2013 11:25 AM
HANOI, Vietnam — Gen. Vo Nguyen Giap, the brilliant and ruthless commander who led a ragtag army of guerrillas to victory in Vietnam over first the French and then the Americans, died Friday. The last of the country’s old-guard revolutionaries was 102.
A national hero, Giap enjoyed a legacy second only to that of his mentor, founding president and independence leader Ho Chi Minh.
Giap died in a military hospital in the capital of Hanoi, where he had spent nearly four years because of illnesses, according to a government official and a person close to him. Both spoke on condition of anonymity before the death was announced in state-controlled media.
Known as the “Red Napoleon,” Giap commanded guerrillas who wore sandals made of car tires and lugged artillery piece by piece over mountains to encircle and crush the French army at Dien Bien Phu in 1954. The unlikely victory — still studied at military schools — led to Vietnam’s independence and hastened the collapse of colonialism across Indochina and beyond.
Giap then defeated the U.S.-backed South Vietnam government in April 1975, reuniting a country that had been split into communist and noncommunist states. He regularly accepted heavy combat losses to achieve his goals.
“No other wars for national liberation were as fierce or caused as many losses as this war,” Giap told The Associated Press in 2005 — one of his last known interviews with foreign media on the eve of the 30th anniversary of the fall of Saigon, the former South Vietnamese capital.
“But we still fought because for Vietnam, nothing is more precious than independence and freedom,” he said, repeating a famous quote by Ho Chi Minh.
Giap remained sharp and well-versed in current events until he was hospitalized. Well into his 90s, he entertained world leaders at his shady colonial-style home in Hanoi.
Although widely revered in Vietnam, Giap was the nemesis of millions of South Vietnamese who fought alongside U.S. troops and fled their homeland after the war, including the many staunchly anti-communist refugees who settled in the United States.
Born Aug. 25, 1911, in central Vietnam’s Quang Binh province, Giap became active in politics in the 1920s and worked as a journalist before joining the Indochinese Communist Party. He was jailed briefly in 1930 for leading anti-French protests and later earned a law degree from Hanoi University.
He fled French police in 1940 and met Ho Chi Minh in southwestern China before returning to rural northern Vietnam to recruit guerrillas for the Viet Minh, a forerunner to the southern insurgency later known as the Viet Cong.
During his time abroad, his wife was arrested by the French and died in prison. He later remarried and had five children.
In 1944, Ho Chi Minh called on Giap to organize and lead guerrilla forces against Japanese invaders in World War II. After Japan surrendered to Allied forces the next year, the Viet Minh continued their fight for independence from France.
Giap was known for his fiery temper and as a merciless strategist, but also for being a bit of a dandy. Old photos show him reviewing his troops in a white suit and snappy tie, in sharp contrast to Ho Chi Minh, clad in shorts and sandals.
Giap never received any formal military training, joking that he attended the military academy “of the bush.”
At Dien Bien Phu, his Viet Minh army surprised elite French forces by surrounding them. Digging miles of trenches, the Vietnamese dragged artillery over steep mountains and slowly closed in during the bloody, 56-day battle that ended with French surrender on May 7, 1954.
“If a nation is determined to stand up, it is very strong,” Giap told foreign journalists in 2004 prior to the battle’s 50th anniversary. “We are very proud that Vietnam was the first colony that could stand up and gain independence on its own.”
It was the final act that led to French withdrawal and the Geneva Accords that partitioned Vietnam into north and south in 1956. It paved the way for war against Saigon and its U.S. sponsors less than a decade later.
The general drew on his Dien Bien Phu experience to create the Ho Chi Minh Trail, a clandestine jungle network that snaked through neighboring — and ostensibly neutral — Laos and Cambodia to supply his troops fighting on southern battlefields.
Against U.S. forces with sophisticated weapons and B-52 bombers, Giap’s guerrillas prevailed again. But more than 1 million of his troops died in what is known in Vietnam as the “American War.”
“We had to use the small against the big; backward weapons to defeat modern weapons,” Giap said. “At the end, it was the human factor that determined the victory.”
Historian Stanley Karnow, who interviewed Giap in Hanoi in 1990, quoted him as saying: “We were not strong enough to drive out a half-million American troops, but that wasn’t our aim. Our intention was to break the will of the American government to continue the war.”
Giap had been largely credited with devising the 1968 Tet Offensive, a series of surprise attacks on U.S. strongholds in the south by Viet Cong and North Vietnamese forces during lunar new year celebrations. Newer research, however, suggests that Giap had opposed the attacks, and his family has confirmed he was out of the country when they began.
The Tet Offensive shook U.S. confidence, fueled anti-war sentiment and prompted President Lyndon B. Johnson to announce that he would not seek re-election. But it took another seven years for the war to be won.
On April 30, 1975, communist forces marched through Saigon with tanks, bulldozing the gates of what was then known as Independence Palace.
“With the victory of April 30, slaves became free men,” Giap said. “It was an unbelievable story.”
It came at a price for all sides: the deaths of as many as 3 million communists and civilians, an estimated 250,000 South Vietnamese troops and 58,000 Americans.
Throughout most of the war, Giap served as defense minister, armed forces commander and a senior member of Vietnam’s ruling Communist Party, but he was slowly elbowed from the center of power after Ho Chi Minh’s death in 1969. The glory for victory in 1975 went not to Giap, but to Gen. Van Tien Dung, chief of the general staff.
Giap lost the defense portfolio in 1979 and was dropped from the powerful Politburo three years later. He stepped down from his last post, as deputy prime minister, in 1991.
Despite losing favor with the government, the thin, white-haired man became even more beloved in Vietnam as he continued to speak out. He retired in Hanoi as a national treasure, writing his memoirs and attending functions — always wearing green or eggshell-colored military uniforms with gold stars across the shoulders.
He held news conferences, reading from handwritten notes and sometimes answering questions in French to commemorate war anniversaries. He invited foreign journalists to his home for meetings with high-profile visitors and often greeted a longtime American female AP correspondent in Hanoi with kisses on both cheeks.
He kept up with world news and offered advice in 2004 for U.S. troops fighting in Iraq.
“Any forces that wish to impose their will on other nations will certainly face failure,” he told reporters.
Among the foreign dignitaries he received was friend and fellow communist revolutionary Fidel Castro of Cuba. In 2003, they sat in Giap’s home chatting and laughing beneath a portrait of Vladimir Lenin, founder of the Soviet Union.
The general’s former nemesis, U.S. Defense Secretary Robert McNamara, visited in 1995. He asked about a disputed chapter of the Vietnam War, the 1964 Gulf of Tonkin incident in which two U.S. Navy destroyers were purportedly fired upon by North Vietnamese boats. It’s the event that gave the U.S. Congress justification for escalating the war.
Later, many questioned whether the attack actually occurred. During his visit, McNamara asked Giap what happened that night. He replied: “Absolutely nothing.”
At age 97, Giap took a high-profile role in a debate over the proposed expansion of a bauxite mine that he said posed environmental and security risks, in part because it was to be operated by a Chinese company in the restive Central Highlands. He also protested the demolition of Hanoi’s historic parliament house, Ba Dinh Hall. Both projects, however, went ahead as planned.
Giap celebrated his 100th birthday in 2011. He was too weak and ill to speak, but he signed a card thanking his “comrades” for their well-wishes. Even then, he continued to be briefed every few days about international and national events.
Late in life, Giap encouraged warmer relations between Vietnam and the U.S., which re-established ties in 1995 and have become close trading partners. Vietnam has also recently looked to the U.S. military as a way to balance China’s growing power in the disputed South China Sea.
“We can put the past behind,” Giap said in 2000. “But we cannot completely forget it.”
———
Mason, who reported from Jakarta, Indonesia, covered Vietnam for the AP from 2003-12 and met Giap on several occasions.
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Health-care law: Insuring young adults critical to success, experts say
Translation - Young healthy adults are expected to pay for the medical bills of us sick old farts.
Sadly Obamacare is just another government welfare program for doctors, hospitals and other corporations in the medical industry.
http://www.azcentral.com/news/articles/20131009obamacare-insuring-young-adults-critical.html
Health-care law: Insuring young adults critical to success, experts say
By Ken Alltucker The Republic | azcentral.com Sun Oct 13, 2013 12:55 AM
Exhausted, feverish and out of breath, Randall Fields celebrated his 21st birthday in a hospital emergency room.
But the Estrella Mountain Community College student’s two-day stay for treatment of pneumonia wasn’t what worried him the most.
Fields soon discovered the financial setbacks a young adult can face when saddled with unexpected medical expenses. His bills from the hospital and doctors surpassed $15,000, a difficult burden for a student earning $9 an hour as a part-time fitness-and-wellness ambassador.
“The whole time I was thinking, ‘How am I going to pay for this?’ ” said Fields, who was uninsured at the time.
Fields, now 23, secured health-insurance coverage when his mother landed a new job with benefits, but unpaid doctors’ bills from his illness two years ago still dog him even though the hospital has forgiven the bulk of his charges. He now encourages his uninsured peers to get coverage either through the state’s Medicaid expansion or the new federal online marketplace.
Fields isn’t the only one who recommends young people get health insurance. Uninsured adults in their 20s or 30s are considered a pivotal group to sign up for coverage under the Affordable Care Act, the national law that aims to extend health insurance to most Americans.
Census figures estimate 149,000 uninsured Arizonans between 18 and 34 may be eligible for Medicaid coverage, and an additional 131,000 could purchase subsidized health insurance through the new online marketplace, healthcare.gov.
Experts say that participation by young, healthy adults is critical to making the law work because that group will help spread the risk. Health-insurance companies can no longer deny coverage to sick people or charge significantly more for older adults, while young adults typically use less health care. If the new marketplaces attract a disproportionate share of older, sicker adults, health-insurance costs could become less affordable for all.
But some experts question whether enough young adults will sign up. Polls suggest that group is less likely to know about the law’s requirements, the subsidies that are available to purchase insurance, and the penalties for failure to comply. Many are unfamiliar with confusing insurance terms such as premiums, copays, deductibles and networks. Still others may elect to simply pay the penalty, which in 2014 is the greater of $95 or 1 percent of income. The penalty escalates to $695 or 2.5 percent of income in 2016.
The Obama administration wants to sign up at least 2.7 million young adults for the health-care law’s first year. Data released last week by Maryland and Connecticut — both states running their own marketplaces — show that young adults have been the most prolific age group to either apply for coverage or register as insurance shoppers. Arizona is on the federal online marketplace, which has released no data and has been plagued by glitches during its first two weeks.
A 2010 study by the Phoenix non-profit St. Luke’s Health Initiatives shows that 28 percent of Arizona adults between 18 and 28 did not have health insurance — the highest uninsured age group among all Arizonans.
“Younger people are more difficult to entice in both the marketplace and Medicaid,” said Kim VanPelt, of St. Luke’s Health Initiatives, which is coordinating outreach to uninsured Arizonans. “They often think they don’t need health coverage. They see it at the bottom of the list of priorities.”
Targeting the young
While other states have big budgets to encourage uninsured adults to sign up, Arizona is attempting to get the word out on a shoestring. Arizona non-profits received $5.4 million in federal grants to hire people to educate and answer questions for uninsured consumers who may be eligible for coverage, either through the marketplace or Medicaid.
Local and national groups are targeting outreach to young adults at community health centers and college campuses and through social media. Last week, Arizona Public Interest Research Group and a Washington, D.C.-based group, Young Invincibles, courted students at community-college campuses in the Valley.
“A lot of people don’t even know there are options out there for them,” said Erin Hemlin, national organizing and program manager for Young Invincibles, which borrows its name from a term describing healthy young adults who feel they don’t need insurance. “We want to give a young person all the information they need to make a decision.”
More young adults already have health insurance today under the health law’s provision that allows them to stay on their parents’ plans until age 26. Those who can’t get coverage through their parents may be eligible under the state’s Medicaid expansion or the new marketplace plans. Enrollment started Oct. 1 and lasts through March 31.
Hemlin said outreach will emphasize the importance of coverage not just to young adults’ health but also to their financial futures. Young Invincibles has no projections on how many young Arizonans will get coverage, but Hemlin said states like Arizona, with large numbers of uninsured young adults, are considered crucial to the group’s efforts.
Private insurers such as Blue Cross Blue Shield of Arizona, too, are wooing young adults with ads and marketing campaigns. Blue Cross has placed kiosks in grocery and chain drugstores, purchased ads over the Pandora Internet music station, sponsored Arizona’s university sports teams and conducted in-game promotions.
Affordability is key
Other experts and studies suggest that affordability will be the most important factor determining young adults’ coverage.
“It’s really the costs that they are concerned about,” said Peter Cunningham of the Washington, D.C.-based Center for Studying Health System Change, who authored one study. “It’s ultimately going to come down to whether they can find coverage that is affordable for them.”
That study points out young adults have different views on whether insurance is necessary. Young adults who consider themselves risk takers are less likely to see the need than peers who describe themselves as risk-averse.
The U.S. Department of Health and Human Services said metro Phoenix residents can choose from 111 health-insurance plans at healthcare.gov. The rates vary significantly, with plans tiered in four categories based on the amount of coverage. A bronze plan covers 60 percent of costs; silver, 70 percent; gold, 80 percent; and platinum, 90 percent. “Catastrophic” plans will offer bare-bones coverage.
HHS said with tax credits that subsidize coverage, a 27-year-old Arizonan with an income of $25,000 will pay $120 a month for the least-expensive bronze plan and $145 a month for the second least-expensive silver plan.
The HHS analysis did not compare rates offered in the marketplace to those that young adults were charged before the law took effect. The law limits how much insurers can charge based on age to a 3-to-1 ratio. In other words, if an insurer charges a 62-year-old $600 per month, it must charge a 21-year-old at least $200 per month for a comparable plan.
“If you look at the raw costs, their premiums are going up substantially” for young adults, said Michael Malasnik, an insurance broker in Avondale.
Still, even though the prices of insurance plans will increase, most young adults will pay substantially less after federal subsidies kick in. The sliding-scale subsidies are tax credits that help reduce the cost of monthly premiums for individuals who earn up to $45,960, with more generous subsidies for those who earn less.
Some insurance-industry professionals expect young adults ages 18 to 34 will decide whether to buy coverage based on their circumstances. An early-30s couple with a newborn may be more likely to purchase coverage than a young man in his late teens or early 20s.
Wesley Heath, 19, of Phoenix, is healthy and isn’t sure he can afford coverage. The Arizona State University sophomore is seeking a part-time job at the Tilted Kilt restaurant chain to help pay for living expenses. “It will be hard to do it because I’m not on a salary or anything,” said Heath.
Since the new marketplaces started enrollment this month, Malasnik said people in their 50s and 60s have shown more interest than younger adults in purchasing coverage.
“We’re not getting a rush of young adults,” said Malasnik, who is brokering policies on behalf of Meritus among other insurers. “We are getting the 50-and-above crowd. They have been killed with rates and have had issues qualifying, so they are first out of the gate.”
Seeking coverage
Jeremy Stubbs of Phoenix has been without health insurance the past three years, but he sees the need now that he is 36. He thought about buying coverage through the marketplace. Like many other consumers since enrollment began, he could not access the website, so he enrolled in a plan through his employer, Starbucks. Stubbs, an ASU political-science major, said coverage will cost him $51 from his check every other week. When his new insurance starts, he plans to visit a doctor for a checkup.
“I had to budget tight to make it work,” Stubbs said, adding that many young adults don’t place a high priority on health-insurance coverage. “I think a lot of friends just think nothing is ever going to happen to them.”
Fields, the Estrella Mountain student, said his hospital stay was an eye-opener. Although he has insurance now, he is still paying doctors’ bills, which were sent to a collections agency. Fields said he has not pulled his credit report but believes he is hampered finding another job.
“You never know what the future will bring,” Fields said. “You need that safety net to help you or you’ll get a big bill afterward.”
Steve Benson - Gun Grabber
While Steve Benson may have his act together when it
comes to realizing that God is a bunch of superstitious nonsense
he still has to figure out that guns are the solution to the problem of
government. In this