Haul-IT is an online management tool for independent truckers as well as an online marketplace to match truck load suppliers with truckers for backhauling opportunities and route optimization.
Through a monthly subscription members will be given access to an online marketplace which matches empty load truckers with suppliers needing deliveries. The target market of trucking companies with 20 or fewer trucks represents 93% of the trucking industry and includes over 500,000 companies and over 26 million trucks. Development of the service is underway and small trucking companies have begun being contacted for a free membership.
A strong management team with over 25 years of combined experience in development, marketing, sales, finance, and the trucking industry has been secured to ensure success.
Haul-it has a strong business model of recurring revenues through subscriptions, along with commissions taken from completed auctions. Haul-IT seeks to raise $600,000 over 2 rounds of angel investment funding, in exchange for approximately 42.7% equity.
Haul-IT is a subsidiary of Trucking Technology, Inc, a C-corporation organized under the Idaho Corporation Act. Haul-IT operates out of the facilities of its parent corporation in Boise, Idaho, where it has negotiated lease terms that are beneficial to the startup. Haul-IT has intellectual property in the form of copyrights over all software and firmware code. Given today's rising price of fuel and pressure on the transportation industry, operational efficiency and cost reductions are becoming more important in the long and short haul trucking industry.
For suppliers of loads, Haul-IT allows them to find the lowest cost trucker who is willing to deliver their goods. The most important reason a trucker will utilize a tool like Haul-IT is if it provides them with consistent job and backhaul opportunities. Haul-IT's competitive advantage is that it is a free resource and revenue generating service for truckers. The load providers are segmented by industry, size, and business type (manufacturer, distributor, etc). Haul-IT will target the food service industry initially due to familiarity and connections from within the company and its board.
Some of the initial target load providing companies in the Boise area include: J Will Food Service, Sysco Foods, Albertsons, Ore-Ida, Heinz, Food Services of America, Tri-City Meats, Kraft, Amalgamated Sugar, and Simplot Foods. If truck traffic were stopped, grocery stores would be out of perishable food items in two to four days and clean drinking water would run dry in three to four weeks. The trucking industry is comprised of two segments: Less than truckload (LTL) and truckload (TL).
With the increase in fuel prices, truckers have recognized the need to save costs and increase revenues as much as possible. The mission of Haul-IT is to provide the transportation industry with the most efficient tools to increase revenues and reduce costs through greater hauling and routing efficiencies. Development of the Haul-IT network is currently underway and is being headed by the company's Director of Technology, Matt Carr. The initial target market includes small independent trucking companies who transport food products as well as the load providers of food products. Acquiring load providers will require Haul-IT to employ a direct sales force dedicated to signing up regional food brokers, manufacturers and grocers. The initial sales efforts will involve obtaining lists of interested load posters and aggressive solicitation of small independent trucking companies to sign up for accounts.
Haul-IT will be released in January 2009, at which time truckers will begin being offered the network for free.
Haul-IT has been able to build a strong management team and advisory board that has secured the resources required to complete the development of this project. Haul-IT seeks to generate a substantial user base of 5,000 truck drivers and 250 truck load suppliers by 2012. Haul-IT anticipates a 5 year harvest strategy through an acquisition by a larger trucking company or fleet management provider, such as CISCO or Qualcomm. Our CEP will directly oversee the CFO, Vice President of Marketing and Director of Technology. Bill Lacey, the CFO, brings 8 years of accounting and financial experience to the company, along with experience working as a buyer in the food distribution industry. Vice President of Marketing, Mary Jennings, brings expertise and 5 years experience in sales and marketing. Haul-IT has already secured personnel to fill all positions for the first 5 years, with the exception of the sales reps, which will be hired in 2009.
The proposed investment schedule is for $200,000 in the middle of year one and $400,000 in the first quarter of year two to support development and marketing of Haul-IT. By year five, the average valuation, based on earnings-based and sales-based valuations is $10 million, leading to a 10x return for our investors. The majority of funds will be used to cover operating expenses as outlined in the Income Statement for Years 1-3. With modest growth projections and a slim cost structure, losses are minimized in the first three years of operation. Over the five year period ending 2012, Haul-IT needs to average 428 auction transactions per month, with an average commission of $155, to reach our break-even point. Through the investments in year one and two, cash balance and net cash flow stay positive enabling continued operations for Haul-IT. With increasing cash balances and assets, Haul-IT will have the money to provide stockholders with a sizable ROI. Angel funding of $200,000 received in June of 2008, with another $400,000 received in March 2009 when 250 Truckers have signed up. At BMA, design solutions are arrived at by a cultivated and experienced team of professionals. BENEFITS Bill Moore and Associates offers a long term career opportunity with growth potential, medical benefits, a 401(K) plan and profit sharing. Bill Moore and Associates is a multidisciplinary retail sign and environmental graphic design-build firm that works for prestigious and high profile national and regional retail clients. THIS iS A DIGEST OF THE BENEFITS OF THE AFFORDABLE CARE ACT THAT MOST DIRECTLY AFFECT INDIVIDUALS.
We suggest that you initially scan through the headlines of each paragraph to gain an overview of the act. 8 On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act (ACA). 8 ACA REDUCES THE BUDGET DEFICIT: ACA is the largest deficit reduction bill in a generation, Landmark 59-60. 10 CHECK FOR THE TRUTH: ACA REQUIRES BOTH IMPLEMENTATION BY THE STATES AND THE VOTERS ONGOING SUPPORT. 14 2010 MEDICAID: States may opt out of the following program, but must adhere to its criteria if they opt in.
12 2009 RECOVERY ACT REIMBURSEMENT FOR COSTS TO STATE MEDICAID PROGRAMS has saved Minnesota (in a€™09 -a€™10), $1,673,476,158 thru Sept 30, 2010.
14 2010 FOR THOSE THAT CANNOT AFFORD INSURANCE; See link to a€?Find your Health Care Optionsa€? above, or click here. 2011 IF ENACTED INTO LAW, PROPOSALS TO REDUCE FEDERAL FUNDING FOR MEDICAID ARE EXPECTED TO SUBSTANTIALLY REDUCE FUNDING TO STATE MEDICAID PROGRAMS AND ARE EXPECTED TO LEAVE 44 MILLION WITHOUT FUNDING FOR HEALTH CARE. 18 2014 EXCHANGE BUYING: To lower insurance premiums from what they would become under past practices, insurers are required to include everyone in a single risk pool, S. 18 2014 PENALTIES are monthly for the non-exempt individual who fails to insure themselves and their dependents. 18 2014 WITH THE HELP OF CONSUMER ASSISTANCE OFFICES, INSURANCE EXCHANGES WILL CREATE TRANSPARENCY AND COMPETITION AND THEREFORE LOWER RATES. 18 2011 AS PART OF TRANSPARENCY, INSURANCE COMPANIES MUST ADOPT UNIFORM EXPLANATIONS OF COVERAGE AND STANDARD DEFINITIONS prior to March 24, 2011.
20 2014 SUBSIDIES FOR THOSE UNDER 400% OF THE FPL limit premiums to between 2% to 9.5% of income, S 1401 and out of pocket costs to 30% of contract costs, S 1402. 21 2014 PRICE DISCRIMINATION OF ANY KIND except age and smoking is prohibited, S 2701 (A) (1). 22 2011, UNDER A PROVISION DRAFTED BY SENATOR FRANKEN (D MN), individual and small group plans (including grandfathered plans) must spend 80% of premium dollars, 85% in large group markets, on medical services, not administration, advertising, or profits, S 1001, sub 2718 amended by S 10101 sub 2718. 22 2014 ACA PROVIDES COST CONTROLS: By Jan 1, 2014, under Ss 1302(c) and S 1201 sub 2707(b) there will be annual out of pocket cost controls, and four cost levels of a€?essentiala€? benefits.
23 2010 SMALL BUSINESS WILL RECEIVE 35% TAX CREDITS NOW AND 50% IN 2014: employers with 25 or less full-time equivalent (FTE) employees with an average compensation of $50,000 or less can receive a tax credit beginning in 2010, S 1421, modified by S 10105.
27 2010 ACA CREATED A FEDERAL HIGH RISK INSURANCE PROGRAM FOR THOSE WITH PREEXISTING CONDITIONS and without insurance for six months. 29 2010 ENDS RESCISSIONS except for fraud or intentional misrepresent the law bans self funded and insured plans from dropping people from coverage when they get sick, S 1001, subs. 29 2010 BANS DUMPING which is the practice of raising premiums on the individual and small group market to discourage insureds from continuing the policy in question. 29 2010 ENSURES QUALITY OF CARE by requiring health care systems to report benefits and reimbursements that improve outcomes, follow up, prevent readmissions, improve patient safety, reduce medical errors and implement wellness and prevention activities. 29 2010 MUST PROVIDE AN INDEPENDENT APPEALS PROCESS: new individual and group plans must provide an internal and external appeals process,50 S 1001, sub 2719, that includes ongoing benefits during the appeal, S 1001, sub.
23 2010 SMALL BUSINESS WILL RECEIVE 35% TAX CREDITS NOW AND 50% IN 2014: employers with 25 or less full-time equivalent (FTE) employees with an average compensation of $50,000 or lessA  can receive a tax credit beginning in 2010, S 1421, modified by S 10105. Business proposal template - free & premium templates, While creating free business proposal template word download excel sheet, cells details project title, applicant' .
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Focused on independent truckers, the service eliminates the need for a load broker, and increases revenues for the trucker, eliminating routes which typically resulting in an empty load on the return trip.
Haul-IT targets all companies in the United States, but will initially launch in the Pacific Northwest.
By Quarter 2 of 2009, 500 users will be active on the marketplace, and load posters will begin posting loads for auction.
It is estimated that 428 monthly customers will achieve break-even for the company, which is reached early in Year 4. It is projected after 5 years the company will be worth $10 million, which will lead to a 10x return for investors. The company is headquartered in Boise, Idaho, and is currently 100% owned by Trucking Technology, Inc. Average operating cost for full time truckers is $0.66 per mile (based on 10,000 miles per month) and one of the biggest sources of waste in the industry is delivering a load to a destination and driving home empty.
For small independent trucking companies, membership to the web-based tool tracks the company's jobs in a calendar application and queue, allows them to network with other truckers, provides the latest industry information and trends and, most importantly, allows them to search and bid on backhaul jobs. As a trucker returns to their point of origin, they are more likely to accept a lower price per mile to backhaul loads as opposed to returning with no load (known as dead heading). These individuals make between 15% to 30% of a load payment - much higher than the auction fee of Haul-IT at just 10%, giving the company a significant cost and value advantage over the indirect competition. The most appropriate segmentation method is by industry group and region in order to focus the initial sales effort. This will include regional companies who provide perishable and non-perishable grocery goods to distribution centers. The difference between the two segments is that an LTL hauls multiple products for multiple companies in a single load.
Additionally, we seek to reduce transportation costs to suppliers by matching them up with the lowest cost transporter through an online auction service for their deliveries. Development is on schedule to be completed and ready for the initial users by January 2009, with first auction transactions taking place by June 2009.
The units are estimated to cost $200, which will be recouped through the monthly service fee for the Haul-IT Premium service.
The company will be positioned as the leader in transportation knowledge and trends to provide cost cutting solutions to businesses and revenue-generating opportunities for truckers. We will rely on both online and offline marketing tactics as well as an aggressive referral program to do this.
Once the trucker user base reaches 500, the Haul-IT sales force will begin direct solicitation of the load posters.
Once 500 truckers have signed up and suppliers have committed to using the system, the auction transactions will begin taking place, and will grow rather rapidly once the truckers realize the additional revenue opportunities for their company. INRIX and OPIS are technology providers that will streamline development of the GPS services. Given this user base, we estimate a total of 19,000 transactions generating nearly $3 million in revenue. The VP or Marketing will be responsible for all Sales Representatives, and the Director of Technology will be in charge of all Engineers.
Mike Carr, the Director of Technology, has over 10 years experience in programming, web applications, and system integrations.
The initial executive management team is in place, as are the engineers who are developing the network. These expenses include rent, purchase of equipment and office furnishings, insurance, utilities, etc. Year four is the first profitable year due primarily to the increased use of the Haul-IT network as user ratings are established and the model proves to decrease costs and realize more revenue for the truckers and suppliers.
Year one's $200,000 mid-year investments provides capital to develop and market the Haul-IT online network. These salaries are offset by the ESOP program to retain high performing efficient employees.
The premise was simple: Put together a pool of innovative design and manufacturing talent and provide clients with a total service at a national level. The results of the BMA business doctrine carried out by a collective talent pool have been tremendous. Albany's small town atmosphere in direct proximity to cultural centers, such as Berkeley and San Francisco, offers the ideal context for the 21st century career.
WE BELIEVE THAT IT WILL PROVIDE THE BASIC INFORMATION AND GATEWAYS TO RESOURCES YOU NEED TO UTILIZE THE BENEFITS OF THE AFFORDABLE CARE ACT. These are the numbers of the pdf slides in the slide show section of this web site that relate to the paragraph. If it doesna€™t, look at the end of the digest for the number of the associated Note and either click on the associated URL or enter it into the address bar of your internet search engine. PRESIDENT OBAMA, 280 DEMOCRAT REPRESENTATIVES AND SENATORS IN THE 111th CONGRESS PASSED ACA USING HELP FROM PRESIDENTS TRUMAN, EISENHOWER, KENNEDY, JOHNSON, NIXON, REAGAN, CLINTON, and G.
The Congressional Budget Office (CBO) projects ACA to reduce the deficit by $1.5 trillion over the first 20 years8. IF IMPLEMENTED BY US, OUR GOVERNMENTS AND THE HEALTH CARE INDUSTRY AS IT WAS WRITTEN, 12 in the next four years most people will notice that it will be easier to read, understand, compare and shop for insurance.
In this digest, each provisiona€™s effective year date is shown at the beginning of each entry. To start $30,000,000 was allocated in 2010 to jump start state consumer assistance offices.
Until ACA came up for passage in 2009 this was endorsed by conservatives, Democrats and GOP leaders 60.
That is because seventy-five percent of health care cost is spent on chronic illnesses arising from modifiable behavior. Authorizes Medicare coverage of personalized prevention plan services, including an annual comprehensive health risk assessment, Section 4103, as modified by S 10402; Ss 4104-4105.
1312 (c); insurance will be sold through state operated exchanges accessible by both individuals, and small businesses, Ss 1311-1324.
Without it costs will be uncontrollable.20 By 2014 individuals and employers with more than 50 employees must provide health care insurance, Ss. These are payable with the tax return with maximums of $2,085 per family or 2.5 percent of household income (whichever is higher). The Federal government does not have the authority to limit premiums, but the subsidies mention immediately above limit premium cost. Medical services will be defined by the HHS in consultation with the state insurance commissioners, S 1001, sub 2715, 2718.
Coverage denial for pre-existing conditions is banned if less than age 19, and for everyone on Jan 1, 2014,44 , S. Denial is common in the commercial market.61 This program will operate until the insurance exchange takes effect in 2014 when everyone must be accepted. The provision, which is in S 1001, sub 2717 is effective immediately and is to be implemented within two years. They can also be typed in to the address line of an internet explorer, perhaps at the library. PRESIDENT OBAMA, 280 DEMOCRAT REPRESENTATIVES AND SENATORS IN THE 111th CONGRESS PASSED ACA USING HELP FROM PRESIDENTS TRUMAN, EISENHOWER,A  KENNEDY,A  JOHNSON, NIXON, REAGAN, CLINTON, and G.
1312 (c); insurance will be sold through state operated exchanges accessible by bothA  individuals,A  and small businesses, Ss 1311-1324.
Without itA  costs will be uncontrollable.20 By 2014 individuals and employers with more than 50 employees must provide health care insurance, Ss. The Federal government does not have the authority to limit premiums, but the subsidies mention immediately above limit premium cost.A  Also, an employer must offer a free choice, tax deductible, and non-taxable voucher in the amount of the employer contribution for purchase of insurance on an exchange if the employee earns less than 400% of the federal poverty income level. Writing a business AND marketing plan are two of the most important steps in starting any business, and it is not something you want to just jump into without experience and a little help to get you started.
All you need to do to complete the plan is fill in the information that is unique to your business! As reliance on rail freight has decreased the trucking industry has seen a steady growth over the last decade. This is being streamlined with strategic alliances with major load posters and development partners. Funds will be used to cover operating expenses, marketing and advertising, and development for the first three years. Additionally, Haul-IT's parent company has given Haul-IT complete access to its customers to encourage early sales. These services are free to members but they can also elect to subscribe to Haul-IT Premium which gives them an in-vehicle GPS unit that integrates with Haul-IT's route optimization software to sync with jobs in a trucker's queue.
This not only allows the trucker to receive additional revenue, but also allows the load supplier to experience lower transportation costs as the auction model creates a marketplace economy with lower bids for lower demand routes. Neither of these competitors are automated transaction sites and both require truckers to contact providers directly rather than bid and complete transactions online. In order to post numerous hauling opportunities, Haul-IT must provide a substantial base of truckers who can consistently accept bids and reduce transportation costs over the alternatives, which include hiring a broker or direct solicitation of companies. Upon building a network of truckers and providers, the sustainable competitive advantage for Haul-IT is its user base. Therefore we will seek the refrigerated and non-refrigerated independent trucking companies in the area who service this industry. It is so imperative that truckers to be able to eliminate dead heading by finding backhauling opportunities, that they are willing to pay brokers and intermediaries 30-50% commissions on these opportunities. Our gross margin is approximately 90%, which is comparable to other online service providers, and is attributed to sales commission costs and GPS hardware costs.
We are the only online auction for backhauling opportunities and GPS route optimization for trucks. Haul-IT will create partnerships with various truck stops to inform and promote the membership program and incentivize members to refer other members.
A professional direct sales force will call on the load providers, while advertising and other non-sales efforts will be made to increase trucker sign ups. Wright Express provides a Haul-IT branded fuel card, and Jackson's Food Stores has offered discounts to truckers utilizing the network. The management team has provided all technology and hardware to the company to ensure that development will be completed on time with little amount of initial capital as possible. Haul-IT also has several advisors from Albertsons, LLC, Tyson Foods, Frito-Lay, Tri-City Meets, and trucking professionals. Marketing expenses are also included, which escalate throughout the year as product launch nears. It is projected that a first round of funding of $400,000 will be required following the launch of the Haul-IT Network.


Our office resources and policies provide for an innovative, supportive and progressive working environment, while the opportunity to travel throughout the US consistently refreshes one's attitude and perspective.
Our eclectic, collaborative team is composed of architectural graduates, graphic designers and fine artists.
Then read the text, verify it, if you wish, by referencing the sections of the act that are cited and expand the information by clicking on the web site links provided.
According to the politically neutral Congressional Budget Office (CBO), repealing ACA would increase the deficit by $230b over the next ten years67 and by one-half of one percent of the GDP hereafter. They will no longer have to worry about losing coverage for any reason and their insurance costs will become more affordable than they would be without ACA. The provision becomes effective for plan years beginning on or after the day date given in the entry.
By 2014, these offices will be points of entry for all programs, simplified insurance applications and appeals.
They are authorized to credit us up to 20% of total premiums to encourage healthy behavior. Increased physical activity, healthy nutrition, cessation of tobacco use, and moderate use of alcohol bring major reductions in suffering, early death and cost.
Jan 1, 2011 the ACA started a 50% discount off the Pharmaceutical company retail prices of brand name drugs and biologics in the donut hole and other discounts on generic drugs. By opting into the ACA Medicaid program, the ACA gives states with very low MEDICAID qualifying income levels the option to EXPAND MEDICAID COVERAGE by increasing qualifying income levels to 1.33 times the Federal Poverty Level or less. This is part of the right to keep what you have, but much can depend upon whether your plan is a€?newa€? or a€?grandfathereda€?. There will also be a low cost catastrophe coverage policy for those under age 30 (S 1302 (e)) and a special program for those under age 21, (S. The HHS Secretary has directed the states to have the legislation and regulations needed to approve or disapprove rates and has granted $51 million to 45 states to assist this process. 28 ACA reimburses employers for 80 percent of claims between $15,000 and $90,000 solely to lower costs for employer based plans for retirees between the ages of 55-64.
Insurers may offer a low cost catastrophic plan for those under 30 and four plans varying coverage at 60%, 70%, 80% and 90% of the cost of benefits.
113-127, 133, and Index a€?Medicarea€? for comprehensive digests of the issues and provisions or call-1-800-MEDICARE. According to the Bureau of Labor Statistics this is more than any other industry 7.A  The Recovery Act and ACA together provide $2 billion to help this happen. Government Accountability Office put out a report on Nov 15, 2010 that shows the national debt is in an increasingly dire crisis.
Jan 1, 2011 the ACA started a 50% discount off the Pharmaceutical company retailA  prices of brand name drugs and biologics in the donut hole and other discounts on generic drugs. States may later add large groups, S 1312(f)(2)(B).A  Policies must be easy to understand and compare,41 S1001 sub 2715,A  QUESTIONS ABOUT THE MINNESOTA HEALTH CARE EXCHANGE ARE ANSWERED HERE. Think about how much easier it’s going to be to using complete, preformatted plans specific to your business and industry, with all required sections written for you, and all of the financial statements and budgets automatically generated for you!
In the near future, system infrastructure will need to be update to keep current with technology advancement and company expansion. Finding backhaul opportunities has always been a concern and small trucking companies struggle to find them.
This GPS unit will not only provide directions but also weather alerts, forecasted traffic patterns, identified route limitations (low bridge, illegal streets, load limits, etc) and interstate travel tracking for DOT compliance. Haul-IT will attribute a buyer-seller generated rating system, similar to e-Bay, to ensure the credibility of the trucking company for the suppliers.
TL shipments are greater than 15,000lbs or a filled truck with a single company's products. Load suppliers have also recognized the need to reduce transportation costs, which through Haul-IT's online marketplace can easily be done.
The primary vehicles for promoting the brand and services will be online banner advertising, online search, direct email and mail, onsite advertising at truck stops, trade publication advertising and public relations.
Haul-IT also includes a fleet card to all subscribers, which provides a 3-6% discount on fueling charges and other trucking related expenses. We will continue to seek other trucking related services to offer additional discounts for our subscribers. Modest wages for the executive team and office workers make up the smallest portion of use of funds, as once the company turns profitable wages will increase.
Bill Moore and Associates has been in the retail sign and design business for over 35 years. As the graphic below shows, like eight presidents before him, President Obama was driven to make health care reform one of his highest priorities by the simple fact that the cost of health care is pushing the country and its people rapidly toward bankruptcy.
BUSH WHO ALL SPONSORED REFORM PROGRAMS THAT ARE PART OF ACA.11 These ideas were also included in the Massachusetts Health Care reform law passed under Governor Romney. Click here to see a CDC report of Minnesota, or here to find your state.66 Reducing this is something most of us can do.
Depending upon this, CBO and CMS estimate that this law extends the life 13 of the Medicare until 2029, if we prevent Congress from using the savings inherent in this law for other purposes. All left uninsured may use one of the 8,500 Community Health Clinic offices (see below) or they may use emergency Rooms. Employees must purchase qualified job based insurance or lose the employer tax free contribution, if it meets minimum standards and is not excessively expensive, Ss 1511-1515. The States shall establish an annual review of unreasonable increases in premiums, inform HHS about trends in increases and make recommendations for exclusion from the exchanges Ss.1003, 2794. The program expires when the money runs out or on Jan 1, 2014 because the insurance exchanges open, S 1102. Individuals can apply for insurance from the back up federal high-risk pool38 Application requires only a letter from physician verifying pre-existing condition55 and no insurance for six months.
This is the Affordable (Health) Care Act reform law and is referred to here as ACA.A  For instance, to find the law sections cited click on the underlined citation above. The report shows that the ACA enacted in March 2010 has the potential to reduce the growth of the debt by two thirds.
Above incomes of 400% of FPL the insured is responsible within the out of pocket limits mentioned above. The Haul-IT Premium service includes the GPS unit free of charge, provided the subscriber agrees to a 3 year commitment of $20 per month.
In the United States alone, the trucking industry is comprised of 26 million trucks hauling over 10 billion tons of freight.
A dedicated server is being hosted by a partner company to ensure that the service is available and backed up. Although term sheets are still in development, Haul-IT intends to offer preferred equity conversion with accrued interest and convertible notes. Our employment policies and benefits should be attractive to persons seeking a long term, satisfying career. The President knew that health care reform would be a major step toward improving the economy, creating jobs, balancing the budget and making other necessary programs possible.
The ACA Act preserves private insurance and the right of individuals, employers and the states to freely continue existing health care plans and to make choices going forward so long as they meet minimum standards of benefits and coverage as outlined below, S 1312(d).
Section 9007 of the ACA now required that private not for profit hospitals develop written financial assistance policies,63 limit what they charge for services, observe fair billing and debt collection practices, and conduct regular community needs assessments.
Employers must offer vouchers to employees earning less than 400% of the poverty level income if the employera€™s plan would cost the employee between 8 and 9.8% of income, S 10108.
Contact your statea€™s health department18 and ask if they have applied.A  In all cases state benefits and insurance requirements may exceed ACA. Trucking transportation represents 70% of total freight volume in the transportation industry. No one who offers health insurance is required to participate in any federal health insurance program created under ACA, S 1555.
Low income persons who believe that they will be dependent upon this service should seek out the private not for profit hospitals in their area and ask to see the hospitals published material. The truth can be found at independent research sites like Snopes14, Politico15, or Fact Check16.
Exchanges may limit business access to those with 50 employees or less until 2016 and in 2017 may open the exchanges to employers of more than 100.
This industry is primarily made up of small, independent truckers with 93% (over 500,000 companies) operating 20 or fewer trucks.
Today, Skip and Alastair lead an organization that combines talent from the fields of graphic design, architecture and the sign industry. Medicare premium dollars can presently be used to purchase a commercial, non governmental policy in place of Medicare. In May 2011, HHS announced availability of more than $100 million in first year funding for Community Task Groups (CTGs), aimed at improving health and lowering health costs and ask your congress person what happened in 2012.
The federal contribution to expansion states under the optional program will be 100% in 2014 and to all states 90% after 2019, Ss.
Today, 68% of medically underserved communities across the nation are in rural areas, and these communities often have trouble attracting and retaining medical professionals. In May 2011, HHS announced availability of more than $100 million in first year funding for Community Task Groups (CTGs), aimed at improving health and lowering health costsA  and ask your congress person what happened in 2012. Tim Johnson, Hyperion Press (2010), or LANDMARK, the Inside Story of Americaa€™s New Health Care Law and What It Means for Us All, The Staff of The Washington Post, ISBN 978-1-58648-934-2, pp. The law provides increased payment to rural health care providers to help them continue to serve their communities.
Qualified private plans, Tricare, VA and all government programs satisfy the mandate, S 1501(f)(1). Members of Congress and staff are required to purchase their health care plans on the state exchanges, S 1312. There are many inter section referrals within the statute so click on a€?Find next in current PDFa€? repeatedly until it takes you to the text of the section. When the pdf of the statute opens, the a€?finda€? window may be at the top center of the web site that appears.
The difference according to the Congressional Budget Office depends on whether or not the bill is implemented as written, is starved, is repealed or drained of its tax savings by extravagant spending elsewhere.17 History indicates that it will be implemented.



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