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One of the most popular consumer-driven health plans in the private sector benefits are Health Savings Accounts (HSA). Just recently, the Bank of America (BoA) stated that in 2011, health savings accounts reached a 34 percent record growth with the addition of more than 50,000 accounts last year. The growth can be attributed to the new relationships built with employers and individuals and the increase in account use among employees of existing corporate customers.

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Health Savings Accounts are the fastest growing accounts among the 600,000 BoA accounts. It has a growing 200,000 user accounts and has reached more than $300 million in account balances.

According to Kevin Crain, head of Institutional Retirement and Benefit Services for Bank of America Merrill Lynch, the rising cost of health care to both employers and employers has triggered the significant increase in use of Health Savings Accounts. He said that they are constantly seeing a lot of companies, whether big or small, offering and adding consumer-driven health plans to their employees as a health benefit.

You will need a qualified high-deductible health plan to be able to start an HSA. These two always work together. With an HSA, it earns tax-free interest and the balance rolls over year after year. Even though employers can place contributions in the HSA of their employees, the one who still owns the account will be the employee or individual. If you are the employee with an HSA, you can do what you want with the funds in your savings account. Even if you decide to leave your employer, the contributions that your employer placed in the account is yours to keep. It moves with you even until you retire.

Crain said that HSA plans allow consumers to be more proactive when it comes to making their healthcare choices. Aside from the tax benefits offered by HSA plans, it gives consumers full control on how they want to spend their HSA funds or simply let it grow to prepare for retirement years. He also added that HSA plans simply motivate people to be more responsible on how they use healthcare services and make their own lifestyle decisions.

The digital marketing trend has revolutionized the way of online marketing for medium or large size enterprises. There is a significant improvement seen in use of digital media in 2017 by the common people and companies as well. The people will take more interest in digital transactions, online products buying and much more. Thus, it will boost-up the interest of people in digital world and adopt the cashless trend for all online marketing needs of them.

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In 2016, most of the companies have recognized the effectiveness and ease of digital marketing that is useful in expanding the business across the globe. Also, they noticed the impact of digital marketing trend making easier to find potential customers around the world along with more business leads. By keeping all such facts in mind, there is a great boom seen in digital marketing trend in 2017.

Here are top 10 expected benefits of internet marketing trends in 2017 such as:

1. Promising enhancement in video ads

Video advertisement is getting huge popularity these days. Most of the brands and medium size companies have been promoting their products and services through video ads that are adding more value to the digital marketing campaigns of the businesses. In 2017, the scale of video ads will increase for sure!

2. Dominance of mobile phones over desktops

The year 2016 was the era of desktops used for manipulating any computing or internet works. In 2017, you will find the complete dominance of Smartphones with internet facility over the desktops used for generating online traffic and money transactions as well.

3. Use of dedicated mobile apps will increase

Most of the people love to use internet in their mobile phones. However, the brands have launched mobile apps of their websites to download. It will enhance interest of users in using applications of their favorite brands in mobile phones for product buying, payments, billing, account optimization, and much more.

A football autograph by a famous footballer can be worth a fortune as most of avid collectors are willing to pay anything to get one. Not only that, even collectibles such as football helmets are also significant souvenirs for football fans who can do anything to get their hands on to one of these exotic collectibles. This article tells you where you can find souvenirs to add to your list of football collectibles.

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Football is a very popular sport. Football fans would do anything to grab a souvenir specially autographed by their most adored player or any other footballing superstar. Whether it is a football autograph or any other memorabilia such as autographed football helmets, items like these can be the ultimate dream of any avid sports buff to add them in their list of collections. This is the main reason behind the thriving global sports souvenir industry in recent times as there are millions of crazy fans out there who are indeed willing to spend a fortune to lay their hands on any such autographed memorabilia.

When it comes to football collectibles, then the options are unlimited as people are not only crazy for football autograph from the football celebrities they worship, but also the jerseys or balls to be a part of their collections. This is why many people add head gears or football helmets to their collection. Most collectors prefer to buy helmets worn by their favorite star while playing a significant game; especially if the helmet is signed by the star himself then it becomes almost priceless and as valuable as any treasure. It may be overtly surprising how millions of people out there can spend a fortune to get one of these autographed football helmets even though they are not serious souvenir collectors themselves.

However, the question which bothers many is where to find these valuable football helmets with football autograph on them. Well, if you don’t know any mortar and brick sports auction store then you can always look out on the Internet as these days anything and everything is easily available on the World Wide Web. There are numerous authorized sites where you can get access to one of these special football helmets signed by your favorite football star. Most of these sites have a great collection of football collectibles and they also offer their products with discounts.

Other than that there are plenty of authentic auction sites where you can place your bid in order to own your favorite star’s helmet with his

California officials are working to make health insurance for California more affordable and value-based with plans for an Internet-based exchange. The plan is expected to not only help individual consumers, but to also help business owners struggling with escalating California health insurance rates.

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In California, health insurance premium increases have outpaced the rate of inflation by more than four fold. While the state’s overall inflation rate has increased 23.1 percent since 2002, California health insurance premiums increased by 117.5 percent.

In the legislature, attempts to bring rate increases under regulatory control were defeated by insurance companies in 2008, 2009 and 2010. Determined to gain authority similar to that already in existence in some other states where regulators can prevent unwarranted rate hikes, California legislators have proposed a like-minded bill in the current session.

California Health Insurance Exchange Is Based On Working Model

In Southern California, the country’s oldest and most successful California health insurance exchange already serves more than 150,000 members and almost 12,000 employers. CaliforniaChoice has been in operation for 15 years and provides a successful working model for the future exchange.

Growing out of the Affordable Care Act that became law in 2010, the new California health insurance exchange is meant to give consumers greater choice in health plans. Something similar to an Internet-based shopping mall is being designed to expand access for individuals and employers to see how health plans stack up to each other in side-by-side comparisons.

Health Insurance For California Will Provide A Standard Set Of Benefits

To protect consumers from the “small print” that can conceal exclusions and limits to significantly reduce coverage consumers may think they are buying, the California health insurance exchange will have a standard set of benefits. Health care services will cover specific benefits while offering different levels of cost sharing, such as co-pays and co-insurance.

The Affordable Care Act not only has provisions to make health coverage more transparent, but it also includes government subsidies to share access to health care with U.S. citizens who can’t afford the cost of California health insurance premiums. Financial help will be based on family

My name is John Ross and I have spent my entire 40 + year career in health care. Specifically, my background and experience is in developing and managing evidence planning, reimbursement applications, and health economics strategies for a number of fortune 500 health care technology businesses. In short, my job was to help the companies that I worked for to understand the health care market place from three important perspectives. The first was to answer the question; “What can we expect to be paid for the medical technologies we are developing and planning to market? The second question; “will the results and/or lower costs associated with the use of these medical technologies justify the payment level we think they deserve? Finally, what product development, marketing and sales strategies do we need to employ to insure that our future medical technologies are quickly accepted by hospitals, physicians, payers and patients? Obviously with such a focus I had to deal with Medicare (health insurance for folks over age 65 and the disabled), Medicaid (state-run insurance programs for the less fortunate) and commercial health insurance companies (the companies that insure and administer employer-based health insurance plans). I also spent a lot of time assessing the needs of physicians, hospitals and large integrated health care delivery networks that purchase and use a wide array of medical technologies.

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From a funding standpoint I have seen America’s health care system go from almost “anything goes” to today’s increasing focus on cost and outcomes. Outcomes, is just another way of asking the question; “for the dollars we are spending nationally or on a particular patient’s disease or injury are we getting a good value in return? In other words, is the price of the drug, medical device, procedure, diagnostic or surgical intervention worth the cost in terms of better results and lower costs compared to how we would traditionally manage this patient’s condition?

This blog is a forum for talking “honestly” about:

1. Where health care in America is going?

2. Why it is going there?

3. What can we expect from tomorrow’s health care system compared to what we have become used to?

4. What we can do to the best of our ability to use less of it (think preventive health strategies)?

5. How we should think about and help those unfortunate individuals, young and old, who need more of it than we do?

6. How can we help to make sure those who need health care get access to good health care when they need it?

7. What can we do to increase the chances that state of the art health care will be there when we need it and at a price we can afford?

I will also provide education as to how the health care system works from the various perspectives of the stakeholders. It is vital that we understand these perspectives, what drives them and the many conflicts that exist. Areas to cover will be: