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The Pronk Pops Show 893, May 15, 2017, Story 1: World Wide Ransom Ware Demands Spreading To Over 150 Countries — Huge Hacker Holdup Using Exploit of Security Flaw In Microsoft XP Operating System — Used Code Developed By U.S. National Security Agency (NSA) — Running Sacred — Crying — It’s Over — Videos — Story 2: American People Demand Congress Appoint Special Prosecutor — Investigate Obama’s Administration Use of Intelligence Community (NSA, CIA, FBI, …) Warrantless Surveillance of Both Democrat and Republican Presidential Candidates — The Use Intelligence Information For Political Purposes Is A Felony! — Videos

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The Pronk Pops Show Podcasts

Pronk Pops Show 893,  May 15, 2017

Pronk Pops Show 892,  May 12, 2017

Pronk Pops Show 891,  May 11, 2017

Pronk Pops Show 891,  May 11, 2017

Pronk Pops Show 890,  May 10, 2017

Pronk Pops Show 889,  May 9, 2017

Pronk Pops Show 888,  May 8, 2017

Pronk Pops Show 887,  May 5, 2017

Pronk Pops Show 886,  May 4, 2017

Pronk Pops Show 885,  May 3, 2017

Pronk Pops Show 884,  May 1, 2017

Pronk Pops Show 883 April 28, 2017

Pronk Pops Show 882: April 27, 2017

Pronk Pops Show 881: April 26, 2017

Pronk Pops Show 880: April 25, 2017

Pronk Pops Show 879: April 24, 2017

Pronk Pops Show 878: April 21, 2017

Pronk Pops Show 877: April 20, 2017

Pronk Pops Show 876: April 19, 2017

Pronk Pops Show 875: April 18, 2017

Pronk Pops Show 874: April 17, 2017

Pronk Pops Show 873: April 13, 2017

Pronk Pops Show 872: April 12, 2017

Pronk Pops Show 871: April 11, 2017

Pronk Pops Show 870: April 10, 2017

Pronk Pops Show 869: April 7, 2017

Pronk Pops Show 868: April 6, 2017

Pronk Pops Show 867: April 5, 2017

Pronk Pops Show 866: April 3, 2017

Pronk Pops Show 865: March 31, 2017

Pronk Pops Show 864: March 30, 2017

Pronk Pops Show 863: March 29, 2017

Pronk Pops Show 862: March 28, 2017

Pronk Pops Show 861: March 27, 2017

Pronk Pops Show 860: March 24, 2017

Pronk Pops Show 859: March 23, 2017

Pronk Pops Show 858: March 22, 2017

Pronk Pops Show 857: March 21, 2017

Pronk Pops Show 856: March 20, 2017

Pronk Pops Show 855: March 10, 2017

Pronk Pops Show 854: March 9, 2017

Pronk Pops Show 853: March 8, 2017

Pronk Pops Show 852: March 6, 2017

Pronk Pops Show 851: March 3, 2017

Pronk Pops Show 850: March 2, 2017

Pronk Pops Show 849: March 1, 2017

Pronk Pops Show 848: February 28, 2017

Pronk Pops Show 847: February 27, 2017

Pronk Pops Show 846: February 24, 2017

Pronk Pops Show 845: February 23, 2017

Pronk Pops Show 844: February 22, 2017

Pronk Pops Show 843: February 21, 2017

Pronk Pops Show 842: February 20, 2017

Pronk Pops Show 841: February 17, 2017

Pronk Pops Show 840: February 16, 2017

Pronk Pops Show 839: February 15, 2017

Pronk Pops Show 838: February 14, 2017

Pronk Pops Show 837: February 13, 2017

Pronk Pops Show 836: February 10, 2017

Pronk Pops Show 835: February 9, 2017

Pronk Pops Show 834: February 8, 2017

Pronk Pops Show 833: February 7, 2017

Pronk Pops Show 832: February 6, 2017

Pronk Pops Show 831: February 3, 2017

Pronk Pops Show 830: February 2, 2017

Pronk Pops Show 829: February 1, 2017

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Story 1: Huge Hacker Holdup — Cyber extortion Attack — NSA Ransom War — Running Sacred — Crying — It’s Over — VideosImage result for ransome ware attackImage result for bitcoinImage result for cartoons ransom ware attackImage result for ransome ware attack list of countries and companies

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 New version of ransomware worm expected

Cyber Attack: Ransomware causing chaos globally – BBC News

Ransomware virus ‘WannaCry’ plagues 100k computers across 99 countries

Ransomware attack takes down LA hospital for hours

WannaCry Ransomware Hits Hospitals

WannaCry Ransomware Used In Global Attacks!

WATCH: Ransomware cyberattack targets Windows users around the world

BREAKING***100 Countries Massive Global Ransomware Attack Used NSA Hacking Tool

What is ransomware and how can I protect myself?

How Ransomware Locks Your PC & Holds Your Data Hostage

Massive Ransomware Outbreak Thanks to NSA – WannaCry Worm Spreading Fast

Ransomware As Fast As Possible

The Truth About Ransomware – Webinar

What is Ransomware, How it Works and What You Can Do to Stay Protected

NSA Whistleblower Bill Binney on Tucker Carlson 03.24.2017

NSA Whistleblower William Binney: The Future of FREEDOM

ROY ORBISON – CRYING – LIVE 1988

Roy Orbison – “Running Scared” from Black and White Night

Roy Orbison – Crying (Monument Concert 1965)

Roy Orbison – It’s Over (Monument Concert 1965)

Roy Orbison – “It’s Over” from Black and White Night

Worldwide ransomware attacks: What we know so far

May 15, 2017
AUTHOR: LILY HAY NEWMAN. SECURITY

HOW AN ACCIDENTAL ‘KILL SWITCH’ SLOWED FRIDAY’S MASSIVE RANSOMWARE ATTACK

Cybersecurity Experts’ First Task: Find Out How Virus Spread

Investigators think a computer outlet that isn’t supposed to be connected to the internet was a possible vector for WannaCry

The virus, dubbed WannaCry, is a two-part virus. One part is ransomware, which locks computer files and demands online payment to unlock them. The other part spreads it.

The virus, dubbed WannaCry, is a two-part virus. One part is ransomware, which locks computer files and demands online payment to unlock them. The other part spreads it. PHOTO: RITCHIE B. TONGO/EUROPEAN PRESSPHOTO AGENCY

Government investigators and private cybersecurity firms are trying to find out how a virus managed to spread around the globe over the weekend, which would give them their best chance to identify the mastermind behind the cyberattacks.

Investigators have already ruled out phishing—tricking someone into opening a seemingly legitimate email attachment that actually contains the virus—as a possible tactic. One of their hypotheses centers on something called port 445, an outlet that isn’t supposed to be connected to the internet.

The race is on to identify patient zero, or the first known infection of the virus, to find clues that could lead back to the hacker.

The attacks appear to have largely abated Monday, despite fears that a new workweek would trigger a second wave. Cybersecurity experts see fewer infections compared with Friday, when the onslaught started.

“We think the initial fire is put out,” said Rob Holmes, vice president of products at Proofpoint, a Silicon Valley company with virus sensors at major corporations and telecom companies.

The virus, dubbed WannaCry, is a two-part virus. One part is ransomware, which locks computer files and demands online payment to unlock them. The other part is a “spreader,” which transmits WannaCry to all other computers on a network. It attacks machines running Microsoft Corp.’s Windows systems that don’t have up-to-date security patches.

Mr. Holmes said 95% of ransomware attacks use the relatively unsophisticated technique of phishing.

A European Union cybersecurity agency published a report Monday, which said early indications pointed to emails containing WannaCry-infected Microsoft Office documents as the attacker’s weapon. But it quickly amended the report, saying phishing probably wasn’t involved.

If it had been a phishing attack, organizations would have found the offending email by now and described it to the public, cybersecurity experts said.

Now there are two main hypotheses as to how WannaCry could have wormed its way into a computer. One theory centers on port 445.

Imagine a network of 100 computers. These computers communicate with each other through digital roads. One of the roads is port 445, and it is usually reserved for Windows-running computers to transfer files to each other, or to send stuff to the printer, said Becky Pinkard, a vice president at cybersecurity firm Digital Shadows.

Authorities know WannaCry spread itself within a network using the port 445 roads. But how did it get there in the first place? Port 445 roads connect computers within a network, but it was thought to be walled off from the internet and outside world. Now investigators are trying to determine whether port 445’s wall has a hole that WannaCry wiggled through.

“Most researchers tend to believe at the moment that it spreads initially through vulnerable computers exposing port 445 on the internet,” the updated EU agency report said.

There is another theory. Ms. Pinkard said an employee could have taken an office-issued laptop to a coffee shop or hotel and logged onto the venue’s unsecure internet network. If that laptop doesn’t have the antivirus protections that networks at big organizations typically have, a hacker could’ve slipped WannaCry onto the device. When the employee brings the laptop back to the office and connects it to the network, bam: WannaCry spreads itself via port 445.

Companies can protect laptops from this with commercially available protection software, Ms. Pinkard said.

If researchers can find the original WannaCry victim, they might be able to trace the signature of the attacker who delivered the virus via an internet-protocol address, or IP address. “If I were law enforcement, I would be working to find who was the very first company impacted,” Ms. Pinkard said. “I would knock at the door and be asking, ‘Can I look at your logs?’ ”

The problem is that the IP address could lead to another IP address, which would lead to another IP address, and so on. “It’s a very slow and painful process,” Ms. Pinkard said.

Cybersecurity experts said that, even though some of the world’s smartest minds are on the case, it could take months or years to find the mastermind—if they find the attacker at all.

A parallel hunt would be following the money. WannaCry asked for ransom to be delivered via a digital currency called bitcoin. About 124 payments totaling about $34,000, or a little less than $300 each, went to the attacker as of Sunday afternoon, said bitcoin-analytics-firm Chainalysis. Every bitcoin transaction is recorded on an online ledger. But finding out the individual behind each transaction is difficult because users’ identities are well encrypted.

“There’s going to be a paper trail,” said Brian Knight, a George Mason University specialist in financial technology. “Whether it can be deciphered is a separate question.”

https://www.wsj.com/articles/cybersecurity-experts-first-task-find-out-how-virus-spread-1494868250

The cyberattacks started Friday and spread rapidly around the globe using a security flaw in Microsoft’s Windows XP operating system

The cyberattacks started Friday and spread rapidly around the globe using a security flaw in Microsoft’s Windows XP operating system

 Security agencies are hunting for those behind a crippling cyberattack which has so far hit hundreds of thousands of computers worldwide, including at government agencies, factories and health services.

Here is what we know so far about the cyber ransom attacks:

– What happened? –

The cyberattacks started Friday and spread rapidly around the globe using a security flaw in Microsoft’s Windows XP operating system, an older version that is no longer given mainstream tech support by the US giant.

The so-called WannaCry ransomware locks access to user files and in an on-screen message demands payment of $300 (275 euros) in the virtual currency Bitcoin in order to decrypt the files.

Victims have been advised by security experts not to pay up.

The attack is unique, according to policing agency Europol, because it combines ransomware with a worm function, meaning once one machine is infected, the entire internal network is scanned and other vulnerable machines are infected.

– Who has been affected? –

Europol chief Rob Wainwright said computer systems in more than 150 countries were hit, with the majority of organisations affected over the weekend in Europe.

But as Asia woke up to the working week on Monday, leading Chinese security-software provider Qihoo 360 said “hundreds of thousands” of computers in the country were hit at nearly 30,000 institutions including government agencies.

In Japan, a spokesman for Hitachi said the conglomerate discovered problems on Monday morning and its computer networks were “unstable”.

Other high-profile victims include hospitals in Britain, the Spanish telecoms giant Telefonica, French carmaker Renault, US package delivery company FedEx, Russia’s interior ministry and the German rail operator Deutsche Bahn.

– Where did the malware come from? –

Brad Smith, Microsoft’s president and chief legal officer, said in a blog post Sunday that the culprits used a code developed by the US National Security Agency.

It was leaked as part of a document dump, according to researchers at the Moscow-based computer security firm Kaspersky Lab.

Smith warned governments against stockpiling such vulnerabilities and said instead they should report them to manufacturers — not sell, store or exploit them, lest they fall into the wrong hands.

“An equivalent scenario with conventional weapons would be the US military having some of its Tomahawk missiles stolen,” Smith wrote.

“The governments of the world should treat this attack as a wake up call.”

– Who was behind the attack? –

Europol said on Monday it was continuing to hunt for the culprits behind the unprecedented attack.

The agency’s senior spokesman Jan Op Gen Oorth said it was still “a bit early too say who is behind it, but we are working on a decrypting tool”.

Experts think it unlikely to have been one person, with criminally minded cyber crime syndicates nowadays going underground and using ever more sophisticated encryption to hide their activities.

– How can people protect their computers? –

Microsoft took the unusual step of reissuing security patches first made available in March for Windows XP and other older versions of its operating system.

Kaspersky said it was seeking to develop a decryption tool “as soon as possible”.

Europol said European companies and governments had heeded warnings and as a result avoided further fallout from the ransomware.

“It seems that a lot of internet security guys over the weekend did their homework and ran the security software updates,” Jan Op Gen Oorth told AFP.

https://www.yahoo.com/tech/worldwide-ransomware-cyberattacks-know-152751340.html

Dozens of countries hit by huge cyberextortion attack

NEW YORK (AP) — Dozens of countries were hit with a huge cyberextortion attack Friday that locked up computers and held users’ files for ransom at a multitude of hospitals, companies and government agencies.

It was believed to the biggest attack of its kind ever recorded.

The malicious software behind the onslaught appeared to exploit a vulnerability in Microsoft Windows that was supposedly identified by the National Security Agency for its own intelligence-gathering purposes and was later leaked to the internet.

Britain’s national health service fell victim, its hospitals forced to close wards and emergency rooms and turn away patients. Russia appeared to be the hardest hit, according to security experts, with the country’s Interior Ministry confirming it was struck.

All told, several cybersecurity firms said they had identified the malicious software, which so far has been responsible for tens of thousands of attacks, in more than 60 countries. That includes the United States, although its effects there didn’t appear to be widespread, at least initially.

The attack infected computers with what is known as “ransomware” — software that locks up the user’s data and flashes a message demanding payment to release it. In the U.S., FedEx reported that its Windows computers were “experiencing interference” from malware, but wouldn’t say if it had been hit by ransomware.

Mikko Hypponen, chief research officer at the Helsinki-based cybersecurity company F-Secure, called the attack “the biggest ransomware outbreak in history.”

Security experts said the attack appeared to be caused by a self-replicating piece of software that enters companies and organizations when employees click on email attachments, then spreads quickly internally from computer to computer when employees share documents and other files.

Its ransom demands start at $300 and increase after two hours to $400, $500 and then $600, said Kurt Baumgartner, a security researcher at Kaspersky Lab. Affected users can restore their files from backups, if they have them, or pay the ransom; otherwise they risk losing their data entirely.

Chris Wysopal of the software security firm Veracode said criminal organizations were probably behind the attack, given how quickly the malware spread.

“For so many organizations in the same day to be hit, this is unprecedented,” he said.

The security holes it exploits were disclosed several weeks ago by TheShadowBrokers, a mysterious group that has published what it says are hacking tools used by the NSA as part of its intelligence-gathering.

Shortly after that disclosure, Microsoft announced that it had already issued software “patches” for those holes. But many companies and individuals haven’t installed the fixes yet or are using older versions of Windows that Microsoft no longer supports and didn’t fix.

By Kaspersky Lab’s count, the malware struck at least 74 countries. In addition to Russia, the biggest targets appeared to be Ukraine and India, nations where it is common to find older, unpatched versions of Windows in use, according to the security firm.

Hospitals across Britain found themselves without access to their computers or phone systems. Many canceled all routine procedures and asked patients not to come to the hospital unless it was an emergency. Doctors’ practices and pharmacies reported similar problems.

Patrick Ward, a 47-year-old sales director, said his heart operation, scheduled for Friday, was canceled at St. Bartholomew’s Hospital in London.

Tom Griffiths, who was at the hospital for chemotherapy, said several cancer patients had to be sent home because their records or bloodwork couldn’t be accessed.

“Both staff and patients were frankly pretty appalled that somebody, whoever they are, for commercial gain or otherwise, would attack a health care organization,” he said. “It’s stressful enough for someone going through recovery or treatment for cancer.”

British Prime Minister Theresa May said there was no evidence patient data had been compromised and added that the attack had not specifically targeted the National Health Service.

“It’s an international attack and a number of countries and organizations have been affected,” she said.

Spain, meanwhile, took steps to protect critical infrastructure in response to the attack. Authorities said they were communicating with more than 100 energy, transportation, telecommunications and financial services providers about the attack.

Spain’s Telefonica, a global broadband and telecommunications company, was among the companies hit.

Ransomware attacks are on the rise around the world. In 2016, Hollywood Presbyterian Medical Center in California said it had paid a $17,000 ransom to regain control of its computers from hackers.

Krishna Chinthapalli, a doctor at Britain’s National Hospital for Neurology & Neurosurgery who wrote a paper on cybersecurity for the British Medical Journal, warned that British hospitals’ old operating systems and confidential patient information made them an ideal target for blackmailers.

He said many NHS hospitals in Britain use Windows XP software, introduced in 2001, and as government funding for the health service has been squeezed, “IT budgets are often one of the first ones to be reduced.”

“Looking at the trends, it was going to happen,” he said. “I did not expect an attack on this scale. That was a shock.

https://apnews.com/e8402f2faf934f7ab5419d4961d3dafe/Global-extortion-cyberattack-hits-dozens-of-nations

Global ‘WannaCry’ ransomware cyberattack seeks cash for data

LONDON (AP) — A global “ransomware” cyberattack, unprecedented in scale, had technicians scrambling to restore Britain’s crippled hospital network Saturday and secure the computers that run factories, banks, government agencies and transport systems in many other nations.

The worldwide effort to extort cash from computer users spread so widely that Microsoft quickly changed its policy, making security fixes available for free for the older Windows systems still used by millions of individuals and smaller businesses.

A malware tracking map showed “WannaCry” infections popping up around the world. Britain canceled or delayed treatments for thousands of patients, even people with cancer. Train systems were hit in Germany and Russia, and phone companies in Madrid and Moscow. Renault’s futuristic assembly line in Slovenia, where rows of robots weld car bodies together, was stopped cold.

In Brazil, the social security system had to disconnect its computers and cancel public access. The state-owned oil company Petrobras and Brazil’s Foreign Ministry also disconnected computers as a precautionary measure, and court systems went down, too.

Britain’s home secretary said one in five of 248 National Health Service groups had been hit. Home Secretary Amber Rudd said all but six of the NHS trusts back to normal Saturday.

The U.K.’s National Cyber Security Center was “working round the clock” to restore vital health services, while urging people to update security software fixes, run anti-virus software and back up their data elsewhere.

Who perpetrated this wave of attacks remains unknown. Two security firms — Kaspersky Lab and Avast — said they identified the malicious software in more than 70 countries. Both said Russia was hit hardest.

These hackers “have caused enormous amounts of disruption— probably the biggest ransomware cyberattack in history,” said Graham Cluley, a veteran of the anti-virus industry in Oxford, England.

And all this may be just a taste of what’s coming, another cyber security expert warned.

Computer users worldwide — and everyone else who depends on them — should assume that the next big “ransomware” attack has already been launched, and just hasn’t manifested itself yet, Ori Eisen, who founded the Trusona cybersecurity firm in Scottsdale, Arizona, told The Associated Press.

The attack held hospitals and other entities hostage by freezing computers, encrypting data and demanding money through online bitcoin payments. But it appears to be “low-level” stuff, Eisen said Saturday, given the amount of ransom demanded — $300 at first, rising to $600 before it destroys files hours later.

He said the same thing could be done to crucial infrastructure, like nuclear power plants, dams or railway systems.

“This is child’s play, what happened. This is not the serious stuff yet. What if the same thing happened to 10 nuclear power plants, and they would shut down all the electricity to the grid? What if the same exact thing happened to a water dam or to a bridge?” he asked.

“Today, it happened to 10,000 computers,” Eisen said. “There’s no barrier to do it tomorrow to 100 million computers.”

This is already believed to be the biggest online extortion attack ever recorded, disrupting services in nations as diverse as the U.S., Ukraine, Brazil, Spain and India. Europol, the European Union’s police agency, said the onslaught was at “an unprecedented level and will require a complex international investigation to identify the culprits.”

In Russia, government agencies insisted that all attacks had been resolved. Russian Interior Ministry, which runs the national police, said the problem had been “localized” with no information compromised. Russia’s health ministry said its attacks were “effectively repelled.”

The ransomware exploits a vulnerability in Microsoft Windows that was purportedly identified by the U.S. National Security Agency for its own intelligence-gathering purposes. Hackers said they stole the tools from the NSA and dumped them on the internet.

It could have been much worse if not for a young cybersecurity researcher who helped to halt its spread by accidentally activating a so-called “kill switch” in the malicious software.

The 22-year-old Britain-based researcher, identified online only as MalwareTech, explained Saturday that he spotted a hidden web address in the “WannaCrypt” code and made it official by registering its domain name. That inexpensive move redirected the attacks to MalwareTech’s server, which operates as a “sinkhole” to keep malware from escaping.

“Because WannaCrypt used a single hardcoded domain, my registration of it caused all infections globally to believe they were inside a sandbox … thus we initially unintentionally prevented the spread,” the researcher said, humbly and anonymously, in his blog post.

His move may have saved governments and companies millions of dollars and slowed the outbreak before U.S.-based computers were more widely infected.

Indeed, while FedEx Corp. reported that its Windows computers were “experiencing interference” from malware — it wouldn’t say if it had been hit by the ransomware — other impacts in the U.S. were not readily apparent on Saturday.

That said, the threat hasn’t disappeared, the MalwareTech researcher said.

“One thing that is very important to note is our sinkholing only stops this sample and there is nothing stopping them removing the domain check and trying again, so it’s incredibly important that any unpatched systems are patched as quickly as possible,” he warned.

The kill switch also couldn’t help those already infected. Short of paying, options for these individuals and companies are usually limited to recovering data files from a backup, if available, or living without them.

Security experts said it appeared to be caused by a self-replicating piece of software that enters companies when employees click on email attachments, then spreads quickly as employees share documents.

The security holes it exploits were disclosed weeks ago by TheShadowBrokers, a mysterious hacking group. Microsoft swiftly released software “patches” to fix those holes, but many users still haven’t installed updates or still use older versions of Windows.

Microsoft had made fixes for older systems, such as 2001′s Windows XP, available only to mostly larger organizations, including Britain’s National Health Service, that paid extra for extended technical support. In light of Friday’s attacks, Microsoft announced that it’s making the fixes free to all.

Cluley said “There’s clearly some culpability on the part of the U.S. intelligence services. Because they could have done something ages ago to get this problem fixed, and they didn’t do it.”

“It’s very, very difficult these days, with encryption, to spy on people,” Cluley added. “But I don’t think that those concerns should hide the fact that ALL of us need to be protected … We’re living an online life, and we all deserve security there.”

https://apnews.com/770946e7df454d2e9acda3bdbd3ed425/Unprecedented-global-‘ransomware’-attack-seeks-cash-for-data

Ransomware

From Wikipedia, the free encyclopedia

Ransomware is a type of malicious software designed to block access to a computer system or data until a ransom is paid. Simple ransomware may lock the system in a way which is not difficult for a knowledgeable person to reverse, and display a message requesting payment to unlock it. More advanced malware encrypts the victim’s files, making them inaccessible, and demands a ransom payment to decrypt them.[1] The ransomware may also encrypt the computer’s Master File Table (MFT)[2][3] or the entire hard drive.[4] Thus, ransomware is a denial-of-access attack that prevents computer users from accessing files[5] since it is intractable to decrypt the files without the decryption key. Ransomware attacks are typically carried out using a Trojan that has a payload disguised as a legitimate file.

While initially popular in Russia, the use of ransomware scams has grown internationally;[6][7][8] in June 2013, security software vendor McAfee released data showing that it had collected over 250,000 unique samples of ransomware in the first quarter of 2013, more than double the number it had obtained in the first quarter of 2012.[9] Wide-ranging attacks involving encryption-based ransomware began to increase through Trojans such as CryptoLocker, which had procured an estimated US$3 million before it was taken down by authorities,[10] and CryptoWall, which was estimated by the US Federal Bureau of Investigation (FBI) to have accrued over $18m by June 2015.[11]

Operation

Typically, modern ransomware uses encryption to deny users’ access to their files. The software encrypts the victim’s files using a symmetric cipher with a randomly generated key, and then deletes the key, leaving only a version of it made inaccessible to the victim using public key cryptography. Only the attacker can then decrypt the symmetric key needed to restore the files.[12]

The symmetric key is randomly generated and will not assist other victims. At no point is the attacker’s private key exposed to victims and the victim need only send a very small ciphertext (the encrypted symmetric-cipher key) to the attacker.

Ransomware attacks are typically carried out using a Trojan, entering a system through, for example, a downloaded file or a vulnerability in a network service. The program then runs a payload, which locks the system in some fashion, or claims to lock the system but does not (e.g., a scareware program). Payloads may display a fake warning purportedly by an entity such as a law enforcement agency, falsely claiming that the system has been used for illegal activities, contains content such as pornography and “pirated” media.[13][14][15]

Some payloads consist simply of an application designed to lock or restrict the system until payment is made, typically by setting the Windows Shell to itself,[16] or even modifying the master boot record and/or partition table to prevent the operating system from booting until it is repaired.[17] The most sophisticated payloads encrypt files, with many using strong encryption to encrypt the victim’s files in such a way that only the malware author has the needed decryption key.[12][18][19]

Payment is virtually always the goal, and the victim is coerced into paying for the ransomware to be removed—which may or may not actually occur—either by supplying a program that can decrypt the files, or by sending an unlock code that undoes the payload’s changes. A key element in making ransomware work for the attacker is a convenient payment system that is hard to trace. A range of such payment methods have been used, including wire transfers, premium-rate text messages,[20] pre-paid voucher services such as Paysafecard,[6][21][22] and the digital currency Bitcoin.[23][24][25] A 2016 census commissioned by Citrix revealed that larger business are holding bitcoin as contingency plans.[26]

History

Encrypting ransomware

The first known malware extortion attack, the “AIDS Trojan” written by Joseph Popp in 1989, had a design failure so severe it was not necessary to pay the extortionist at all. Its payload hid the files on the hard drive and encrypted only their names, and displayed a message claiming that the user’s license to use a certain piece of software had expired. The user was asked to pay US$189 to “PC Cyborg Corporation” in order to obtain a repair tool even though the decryption key could be extracted from the code of the Trojan. The Trojan was also known as “PC Cyborg”. Popp was declared mentally unfit to stand trial for his actions, but he promised to donate the profits from the malware to fund AIDS research.[27]

The notion of using public key cryptography for ransom attacks was introduced in 1996 by Adam L. Young and Moti Yung. Young and Yung critiqued the failed AIDS Information Trojan that relied on symmetric cryptography alone, the fatal flaw being that the decryption key could be extracted from the Trojan, and implemented an experimental proof-of-concept cryptovirus on a Macintosh SE/30 that used RSA and the Tiny Encryption Algorithm (TEA) to hybrid encrypt the victim’s data. Since public key crypto is used, the cryptovirus only contains the encryption key. The attacker keeps the corresponding private decryption key private. Young and Yung’s original experimental cryptovirus had the victim send the asymmetric ciphertext to the attacker who deciphers it and returns the symmetric decryption key it contains to the victim for a fee. Long before electronic money existed Young and Yung proposed that electronic money could be extorted through encryption as well, stating that “the virus writer can effectively hold all of the money ransom until half of it is given to him. Even if the e-money was previously encrypted by the user, it is of no use to the user if it gets encrypted by a cryptovirus”.[12] They referred to these attacks as being “cryptoviral extortion”, an overt attack that is part of a larger class of attacks in a field called cryptovirology, which encompasses both overt and covert attacks.[12]

Examples of extortionate ransomware became prominent in May 2005.[28] By mid-2006, Trojans such as Gpcode, TROJ.RANSOM.A, Archiveus, Krotten, Cryzip, and MayArchive began utilizing more sophisticated RSA encryption schemes, with ever-increasing key-sizes. Gpcode.AG, which was detected in June 2006, was encrypted with a 660-bit RSA public key.[29] In June 2008, a variant known as Gpcode.AK was detected. Using a 1024-bit RSA key, it was believed large enough to be computationally infeasible to break without a concerted distributed effort.[30][31][32][33]

Encrypting ransomware returned to prominence in late 2013 with the propagation of CryptoLocker—using the Bitcoin digital currency platform to collect ransom money. In December 2013, ZDNet estimated based on Bitcoin transaction information that between 15 October and 18 December, the operators of CryptoLocker had procured about US$27 million from infected users.[34] The CryptoLocker technique was widely copied in the months following, including CryptoLocker 2.0 (though not to be related to CryptoLocker), CryptoDefense (which initially contained a major design flaw that stored the private key on the infected system in a user-retrievable location, due to its use of Windows’ built-in encryption APIs),[24][35][36][37] and the August 2014 discovery of a Trojan specifically targeting network-attached storage devices produced by Synology.[38] In January 2015, it was reported that ransomware-styled attacks have occurred against individual websites via hacking, and through ransomware designed to target Linux-based web servers.[39][40][41]

Some ransomware strains have used proxies tied to Tor hidden services to connect to their command and control servers, increasing the difficulty of tracing the exact location of the criminals.[42][43] Furthermore, dark web vendors have increasingly started to offer the technology as a service.[43][44][45]

Symantec has classified ransomware to be the most dangerous cyber threat.[46]

Non-encrypting ransomware

In August 2010, Russian authorities arrested nine individuals connected to a ransomware Trojan known as WinLock. Unlike the previous Gpcode Trojan, WinLock did not use encryption. Instead, WinLock trivially restricted access to the system by displaying pornographic images, and asked users to send a premium-rate SMS (costing around US$10) to receive a code that could be used to unlock their machines. The scam hit numerous users across Russia and neighboring countries—reportedly earning the group over US$16 million.[15][47]

In 2011, a ransomware Trojan surfaced that imitated the Windows Product Activation notice, and informed users that a system’s Windows installation had to be re-activated due to “[being a] victim of fraud”. An online activation option was offered (like the actual Windows activation process), but was unavailable, requiring the user to call one of six international numbers to input a 6-digit code. While the malware claimed that this call would be free, it was routed through a rogue operator in a country with high international phone rates, who placed the call on hold, causing the user to incur large international long distance charges.[13]

In February 2013, a ransomware Trojan based on the Stamp.EK exploit kit surfaced; the malware was distributed via sites hosted on the project hosting services SourceForge and GitHub that claimed to offer “fake nude pics” of celebrities.[48] In July 2013, an OS X-specific ransomware Trojan surfaced, which displays a web page that accuses the user of downloading pornography. Unlike its Windows-based counterparts, it does not block the entire computer, but simply exploits the behavior of the web browser itself to frustrate attempts to close the page through normal means.[49]

In July 2013, a 21-year-old man from Virginia, whose computer coincidentally did contain pornographic photographs of underaged girls with whom he had conducted sexualized communications, turned himself in to police after receiving and being deceived by ransomware purporting to be an FBI message accusing him of possessing child pornography. An investigation discovered the incriminating files, and the man was charged with child sexual abuse and possession of child pornography.[50]

Leakware (also called Doxware)

The converse of ransomware is a cryptovirology attack that threatens to publish stolen information from the victim’s computer system rather than deny the victim access to it.[51] In a leakware attack, malware exfiltrates sensitive host data either to the attacker or alternatively, to remote instances of the malware, and the attacker threatens to publish the victim’s data unless a ransom is paid. The attack was presented at West Point in 2003 and was summarized in the book Malicious Cryptography as follows, “The attack differs from the extortion attack in the following way. In the extortion attack, the victim is denied access to its own valuable information and has to pay to get it back, where in the attack that is presented here the victim retains access to the information but its disclosure is at the discretion of the computer virus”.[52] The attack is rooted in game theory and was originally dubbed “non-zero sum games and survivable malware”. The attack can yield monetary gain in cases where the malware acquires access to information that may damage the victim user or organization, e.g., reputational damage that could result from publishing proof that the attack itself was a success.

Mobile ransomware

With the increased popularity of ransomware on PC platforms, ransomware targeting mobile operating systems have also proliferated. Typically, mobile ransomware payloads are blockers, as there is little incentive to encrypt data since it can be easily restored via online synchronization.[53] Mobile ransomware typically targets the Android platform, as it allows applications to be installed from third-party sources.[53][54] The payload is typically distributed as an APK file installed by an unsuspecting user; it may attempt to display a blocking message over top of all other applications,[54] while another used a form of clickjacking to cause the user to give it “device administrator” privileges to achieve deeper access to the system.[55]

Different tactics have been used on iOS devices, such as exploiting iCloud accounts and using the Find My iPhone system to lock access to the device.[56] On iOS 10.3, Apple patched a bug in the handling of JavaScript pop-up windows in Safari that had been exploited by ransomware websites.[57]

Notable examples

Reveton

A Reveton payload, fraudulently claiming that the user must pay a fine to the Metropolitan Police Service

In 2012, a major ransomware Trojan known as Reveton began to spread. Based on the Citadel Trojan (which itself, is based on the Zeus Trojan), its payload displays a warning purportedly from a law enforcement agency claiming that the computer has been used for illegal activities, such as downloading unlicensed software or child pornography. Due to this behaviour, it is commonly referred to as the “Police Trojan”.[58][59][60] The warning informs the user that to unlock their system, they would have to pay a fine using a voucher from an anonymous prepaid cash service such as Ukash or Paysafecard. To increase the illusion that the computer is being tracked by law enforcement, the screen also displays the computer’s IP address, while some versions display footage from a victim’s webcam to give the illusion that the user is being recorded.[6][61]

Reveton initially began spreading in various European countries in early 2012.[6] Variants were localized with templates branded with the logos of different law enforcement organizations based on the user’s country; for example, variants used in the United Kingdom contained the branding of organizations such as the Metropolitan Police Service and the Police National E-Crime Unit. Another version contained the logo of the royalty collection society PRS for Music, which specifically accused the user of illegally downloading music.[62] In a statement warning the public about the malware, the Metropolitan Police clarified that they would never lock a computer in such a way as part of an investigation.[6][14]

In May 2012, Trend Micro threat researchers discovered templates for variations for the United States and Canada, suggesting that its authors may have been planning to target users in North America.[63] By August 2012, a new variant of Reveton began to spread in the United States, claiming to require the payment of a $200 fine to the FBI using a MoneyPak card.[7][8][61]In February 2013, a Russian citizen was arrested in Dubai by Spanish authorities for his connection to a crime ring that had been using Reveton; ten other individuals were arrested on money laundering charges.[64] In August 2014, Avast Software reported that it had found new variants of Reveton that also distribute password stealing malware as part of its payload.[65]

CryptoLocker

Encrypting ransomware reappeared in September 2013 with a Trojan known as CryptoLocker, which generated a 2048-bit RSA key pair and uploaded in turn to a command-and-control server, and used to encrypt files using a whitelist of specific file extensions. The malware threatened to delete the private key if a payment of Bitcoin or a pre-paid cash voucher was not made within 3 days of the infection. Due to the extremely large key size it uses, analysts and those affected by the Trojan considered CryptoLocker extremely difficult to repair.[23][66][67][68]Even after the deadline passed, the private key could still be obtained using an online tool, but the price would increase to 10 BTC—which cost approximately US$2300 as of November 2013.[69][70]

CryptoLocker was isolated by the seizure of the Gameover ZeuS botnet as part of Operation Tovar, as officially announced by the U.S. Department of Justice on 2 June 2014. The Department of Justice also publicly issued an indictment against the Russian hacker Evgeniy Bogachev for his alleged involvement in the botnet.[71][72] It was estimated that at least US$3 million was extorted with the malware before the shutdown.[10]

CryptoLocker.F and TorrentLocker

In September 2014, a wave of ransomware Trojans surfaced that first targeted users in Australia, under the names CryptoWall and CryptoLocker (which is, as with CryptoLocker 2.0, unrelated to the original CryptoLocker). The Trojans spread via fraudulent e-mails claiming to be failed parcel delivery notices from Australia Post; to evade detection by automatic e-mail scanners that follow all links on a page to scan for malware, this variant was designed to require users to visit a web page and enter a CAPTCHA code before the payload is actually downloaded, preventing such automated processes from being able to scan the payload. Symantec determined that these new variants, which it identified as CryptoLocker.F, were again, unrelated to the original CryptoLocker due to differences in their operation.[73][74] A notable victim of the Trojans was the Australian Broadcasting Corporation; live programming on its television news channel ABC News 24 was disrupted for half an hour and shifted to Melbourne studios due to a CryptoWall infection on computers at its Sydney studio.[75][76][77]

Another Trojan in this wave, TorrentLocker, initially contained a design flaw comparable to CryptoDefense; it used the same keystream for every infected computer, making the encryption trivial to overcome. However, this flaw was later fixed.[35] By late-November 2014, it was estimated that over 9,000 users had been infected by TorrentLocker in Australia alone, trailing only Turkey with 11,700 infections.[78]

CryptoWall

Another major ransomware Trojan targeting Windows, CryptoWall, first appeared in 2014. One strain of CryptoWall was distributed as part of a malvertising campaign on the Zedo ad network in late-September 2014 that targeted several major websites; the ads redirected to rogue websites that used browser plugin exploits to download the payload. A Barracuda Networks researcher also noted that the payload was signed with a digital signature in an effort to appear trustworthy to security software.[79] CryptoWall 3.0 used a payload written in JavaScript as part of an email attachment, which downloads executables disguised as JPG images. To further evade detection, the malware creates new instances of explorer.exe and svchost.exe to communicate with its servers. When encrypting files, the malware also deletes volume shadow copies, and installs spyware that steals passwords and Bitcoin wallets.[80]

The FBI reported in June 2015 that nearly 1,000 victims had contacted the bureau’s Internet Crime Complaint Center to report CryptoWall infections, and estimated losses of at least $18 million.[11]

The most recent version, CryptoWall 4.0, enhanced its code to avoid antivirus detection, and encrypts not only the data in files but also the file names.[81]

Fusob

Fusob is one of the major mobile ransomware families. Between April 2015 and March 2016, about 56 percent of accounted mobile ransomwares was Fusob.[82]

Like a typical mobile ransomware, it employs scare tactics to extort people to pay a ransom.[83] The program pretends to be an accusatory authority, demanding the victim to pay a fine from $100 to $200 USD or otherwise face a fictitious charge. Rather surprisingly, Fusob suggests using iTunes gift cards for payment. Also, a timer clicking down on the screen adds to the users’ anxiety as well.

In order to infect devices, Fusob masquerades as a pornographic video player. Thus, victims, thinking it is harmless, unwittingly download Fusob.[84]

When Fusob is installed, it first checks the language used in the device. If it uses Russian or certain Eastern European languages, Fusob does nothing. Otherwise, it proceeds on to lock the device and demand ransom. Among victims, about 40% of them are in Germany with the United Kingdom and the United States following with 14.5% and 11.4% respectively.

Fusob has lots in common with Small, which is another major family of mobile ransomware. They represented over 93% of mobile ransomwares between 2015 and 2016.

WannaCry

In May 2017, the WannaCry ransomware attack spread though the Internet, using an exploit vector that Microsoft had issued a “Critical” patch for (MS17-010) two months before on March 14, 2017. The ransomware attack infected over 75,000 users in over 99 countries, using 20 different languages to demand money from users. The attack affected Telefónica and several other large companies in Spain, as well as parts of the British National Health Service (NHS),[85] FedEx, Deutsche Bahn, as well as the Russian Interior Ministry and Russian telecom MegaFon.[86]

Mitigation

As with other forms of malware, security software might not detect a ransomware payload, or, especially in the case of encrypting payloads, only after encryption is under way or complete, particularly if a new version unknown to the protective software is distributed.[87] If an attack is suspected or detected in its early stages, it takes some time for encryption to take place; immediate removal of the malware (a relatively simple process) before it has completed would stop further damage to data, without salvaging any already lost.[88][89]

Alternately, new categories of security software, specifically deception technology, can detect ransomware without using a signature-based approach. Deception technology utilizes fake SMB shares which surround real IT assets. These fake SMB data shares deceive ransomware, tie the ransomware up encrypting these false SMB data shares, alert and notify cyber security teams which can then shut down the attack and return the organization to normal operations. There are multiple vendors[90] that support this capability with multiple announcements in 2016.[91]

Security experts have suggested precautionary measures for dealing with ransomware. Using software or other security policies to block known payloads from launching will help to prevent infection, but will not protect against all attacks. Keeping “offline” backups of data stored in locations inaccessible to the infected computer, such as external storage drives, prevents them from being accessed by the ransomware, thus accelerating data restoration.[23][92]

There are a number of tools intended specifically to decrypt files locked by ransomware, although successful recovery may not be possible.[2][93] If the same encryption key is used for all files, decryption tools use files for which there are both uncorrupted backups (plaintext in the jargon of cryptanalysis) and encrypted copies; recovery of the key, if it is possible, may take several days.[94]

See also

References

WannaCry ransomware attack

From Wikipedia, the free encyclopedia
WannaCry ransomware attack
Wana Decrypt0r screenshot.png

Screenshot of the ransom note left on an infected system
Date 12 May 2017 (ongoing)
Location Worldwide
Also known as WannaCrypt, WanaCrypt0r
Type Cyber-attack
Theme Ransomware encrypting hard disk with $300 demand
Cause EternalBlue exploit
Participants Unknown
Outcome More than 230,000 computers infected[1]

WannaCry, also known by the names WannaCrypt,[2] WanaCrypt0r 2.0,[3] Wanna Decryptor[4] and other similar names, is a ransomware program targeting Microsoft Windows. In May 2017, a large cyber-attack using it was launched, infecting over 230,000 computers in 99 countries, demanding ransom payments in bitcoin in 28 languages. The attack has been described by Europol as unprecedented in scale.[5]

The attack affected Telefónica and several other large companies in Spain, as well as parts of Britain’s National Health Service (NHS),[6] FedEx and Deutsche Bahn.[7][8][9] Other targets in at least 99 countries were also reported to have been attacked around the same time.[10][11]

WannaCry is believed to use the EternalBlue exploit, which was developed by the U.S. National Security Agency[12][13] to attack computers running Microsoft Windows operating systems.[3][14] Although a patch to remove the underlying vulnerability had been issued on 14 March 2017,[15] delays in applying security updates left some users and organisations vulnerable.[16] Microsoft has taken the unusual step of releasing updates for the unsupported Windows XP and Windows Server 2003 and patches for Windows 8 operating systems.[2][17]

A kill switch has been found in the code, which prevents new infections. This has been activated by researchers and should slow or stop the spread. However, different versions of the attack may be released and all vulnerable systems still have an urgent need to be patched.

Background

The purported infection vector, EternalBlue, was released by the hacker group The Shadow Brokers on 14 April 2017,[18][19] along with other tools apparently leaked from Equation Group, which is believed to be part of the United States National Security Agency.[20][21]

EternalBlue exploits vulnerability MS17-010[15] in Microsoft‘s implementation of the Server Message Block (SMB) protocol. Microsoft had released a “Critical” advisory, along with an update patch to plug the vulnerability a month before, on 14 March 2017.[15] This patch only fixed Windows Vista and later operating systems but not the older Windows XP.

Countries initially affected[22]

On 12 May 2017, WannaCry began affecting computers worldwide.[23] After gaining access to the computers, via local area network (LAN), an email attachment, or drive-by download, the ransomware encrypts the computer’s hard disk drive,[24][25] then attempts to exploit the SMB vulnerability to spread to random computers on the Internet,[26] and “laterally” between computers on the same LAN.[27] As with other modern ransomware, the payload displays a message informing the user that files have been encrypted, and demands a payment of $300 in bitcoin within three days.

The Windows vulnerability is not a zero-day flaw, but one for which Microsoft had made available a security patch on 14 March 2017,[15] nearly two months before the attack. The patch was to the Server Message Block (SMB) protocol used by Windows.[28] Organizations that lacked this security patch were affected for this reason, although there is so far no evidence that any were specifically targeted by the ransomware developers.[28] Any organization still running the older Windows XP[29] were at particularly high risk because until 13 May,[2] no security patches had been released since April 2014.[30] Following the attack, Microsoft released a security patch for Windows XP.[2]

According to Wired, affected systems will also have had the DOUBLEPULSAR backdoor installed; this will also need to be removed when systems are cleaned up.[31]

Impact

The ransomware campaign was unprecedented in scale according to Europol.[5] The attack affected many NHS hospitals in the UK.[32] On 12 May, some NHS services had to turn away non-critical emergencies, and some ambulances were diverted.[7][33] In 2016, thousands of computers in 42 separate NHS trusts in England were reported to be still running Windows XP.[29]Nissan Motor Manufacturing UK in Tyne and Wear, one of Europe‘s most productive car manufacturing plants, halted production after the ransomware infected some of their systems. Renault also stopped production at several sites in an attempt to stop the spread of the ransomware.[34][35]

List of affected organizations

Response

Several hours after the initial release of the ransomware on 12 May 2017, a “kill switch” hardcoded into the malware was discovered. This allowed the spread of the initial infection to be halted by registering a domain name.[52] However, the kill switch appears to be a coding mistake on the part of the criminals, and variants without the kill switch are expected to be created.[53][54]

Reactions

Upon learning about the impact on the NHS, Edward Snowden said that if the NSA “had privately disclosed the flaw used to attack hospitals when they found it, not when they lost it, [the attack] may not have happened”.[55]

British Prime Minister Theresa May said of the ransomware, “This is not targeted at the NHS. It is an international attack. A number of countries and organizations have been affected.”[56]

Microsoft has created security patches for its now-unsupported versions of Windows, including Windows XP, Windows 8 and Windows Server 2003.[57]

See also

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Pronk Pops Show 875: April 18, 2017

Pronk Pops Show 874: April 17, 2017

Pronk Pops Show 873: April 13, 2017

Pronk Pops Show 872: April 12, 2017

Pronk Pops Show 871: April 11, 2017

Pronk Pops Show 870: April 10, 2017

Pronk Pops Show 869: April 7, 2017

Pronk Pops Show 868: April 6, 2017

Pronk Pops Show 867: April 5, 2017

Pronk Pops Show 866: April 3, 2017

Pronk Pops Show 865: March 31, 2017

Pronk Pops Show 864: March 30, 2017

Pronk Pops Show 863: March 29, 2017

Pronk Pops Show 862: March 28, 2017

Pronk Pops Show 861: March 27, 2017

Pronk Pops Show 860: March 24, 2017

Pronk Pops Show 859: March 23, 2017

Pronk Pops Show 858: March 22, 2017

Pronk Pops Show 857: March 21, 2017

Pronk Pops Show 856: March 20, 2017

Pronk Pops Show 855: March 10, 2017

Pronk Pops Show 854: March 9, 2017

Pronk Pops Show 853: March 8, 2017

Pronk Pops Show 852: March 6, 2017

Pronk Pops Show 851: March 3, 2017

Pronk Pops Show 850: March 2, 2017

Pronk Pops Show 849: March 1, 2017

Pronk Pops Show 848: February 28, 2017

Pronk Pops Show 847: February 27, 2017

Pronk Pops Show 846: February 24, 2017

Pronk Pops Show 845: February 23, 2017

Pronk Pops Show 844: February 22, 2017

Pronk Pops Show 843: February 21, 2017

Pronk Pops Show 842: February 20, 2017

Pronk Pops Show 841: February 17, 2017

Pronk Pops Show 840: February 16, 2017

Pronk Pops Show 839: February 15, 2017

Pronk Pops Show 838: February 14, 2017

Pronk Pops Show 837: February 13, 2017

Pronk Pops Show 836: February 10, 2017

Pronk Pops Show 835: February 9, 2017

Pronk Pops Show 834: February 8, 2017

Pronk Pops Show 833: February 7, 2017

Pronk Pops Show 832: February 6, 2017

Pronk Pops Show 831: February 3, 2017

Pronk Pops Show 830: February 2, 2017

Pronk Pops Show 829: February 1, 2017

Pronk Pops Show 828: January 31, 2017

Pronk Pops Show 827: January 30, 2017

Pronk Pops Show 826: January 27, 2017

Pronk Pops Show 825: January 26, 2017

Pronk Pops Show 824: January 25, 2017

Pronk Pops Show 823: January 24, 2017

Pronk Pops Show 822: January 23, 2017

Pronk Pops Show 821: January 20, 2017

Pronk Pops Show 820: January 19, 2017

Pronk Pops Show 819: January 18, 2017

Pronk Pops Show 818: January 17, 2017

Pronk Pops Show 817: January 13, 2017

Pronk Pops Show 816: January 12, 2017

Pronk Pops Show 815: January 11, 2017

Pronk Pops Show 814: January 10, 2017

Pronk Pops Show 813: January 9, 2017

Story 1: Amazing Grace and Forgiving Hearts of Robert Godwin Family —  Breaking– Facebook Killer/Suicide of Steven Stephens — Amazing Grace — Rest In Peace — Videos —Facebook killer Steve Stephens has committed suicide

Image result for black on black homicides

Image result for shot spotter

Image result for black on black homicidesImage result for black on black homicidesImage result for black on black homicidesImage result for black on black homicides

Amazing Grace: The children of Robert Godwin with Anderson Cooper

Cleveland Police Chief and Mayor react to news of Steve Stephens death

Family of Robert Godwin Sr. remembers their father

Emotions flow at vigil for Robert Godwin

Rumors circulate about Facebook killer, Tara Molina reports

Debunking the rumors about Facebook live shooting, News 5’s Tara Molina takes you into our newsroom

Users call for Facebook to address “safety risk”

FBI: Massive Police hunt for Cleveland live stream Facebook killer Steve Stephens – LoneWolf

Manhunt in Cleveland for alleged gunman Steve Stephens in Facebook Live shooting of elderly man

BREAKING NEWS: Crazed Suspect Loose in Cleveland: 5 Things You Need to Know about Steve Stephens

Timeline of Facebook killer’s posts

Air Tracker 5: Jon Rudder reports

JUDY COLLINS – “Amazing Grace” with Boys’ Choir Of Harlem 1993

Amazing Grace (without choir) by Judy Collins

Celtic Woman – Amazing Grace

Amazing Grace (original version)

Amazing grace! (how sweet the sound)
That saved a wretch like me!
I once was lost, but now am found,
Was blind, but now I see.

‘Twas grace that taught my heart to fear,
And grace my fears relieved;
How precious did that grace appear
The hour I first believed!

Through many dangers, toils, and snares,
I have already come;
‘Tis grace that brought me safe thus far,
And grace will lead me home.

The Lord has promised good to me,
His word my hope secures;
He will my shield and portion be
As long as life endures.

Yes, when this flesh and heart shall fail,
And mortal life shall cease,
I shall possess, within the veil,
A life of joy and peace.

The earth shall soon dissolve like snow,
The sun forbear to shine;
But God, who called me here below,
Will be for ever mine.

Amazing grace! (how sweet the sound)
That saved a wretch like me!
I once was lost, but now am found,
Was blind, but now I see.

(1779)

A Clip from Amazing Grace

Amazing Grace – full movie

Amazing Grace, Ending

‘We just want him to know that God loves him’: Children of Cleveland man who was gunned down on Facebook say they FORGIVE his killer

  • Robert Godwin’s family spoke out about their father’s shocking death on Sunday 
  • The 74-year-old father-of-ten was filmed as he was gunned down in Cleveland 
  • ‘Each of us forgives the killer, the murderer,’ his daughter, Tonya, said Monday 
  • Police said the killer, Steve Stephens, 37, shot himself on Tuesday

The children of the man who was shot dead in a Facebook video has incredibly forgiven his murder – just hours before it was announced the killer had been found dead.

Steve Stephens, 37, gunned down 74-year-old Robert Godwin – a father-of-ten and retired manufacturing worker – in Cleveland on Sunday. Police said on Tuesday morning the 37-year-old shot himself after a brief officer pursuit.

Godwin’s family spoke to WJW on Monday prior to Stephens’ death, saying they forgave him and called on him to turn himself in before hurting anyone else.

‘Each one of us forgives the killer, the murderer,’ his daughter, Tonya, said.

The family of 74-year-old Robert Godwin (pictured with his daughter, Tonya) has said they forgive the man who murdered their father in Cleveland on Sunday

The family of 74-year-old Robert Godwin (pictured with his daughter, Tonya) has said they forgive the man who murdered their father in Cleveland on Sunday

‘We want to wrap our arms around him.

‘We just want him to know that God loves him, we love him. Yes we’re hurt, but we have to forgive him because the Bible says if we don’t then the heavenly father won’t forgive us.’

Godwin’s son, Robert Jr,echoed the sentiment.

‘One thing I do want to say is I forgive him. Because we are all sinners,’ he told CNN.

‘Steve, I forgive you man. I’m not happy with what you did, but I forgive you.’

Police had been searching for Stephens since the video of the shooting emerged on Sunday afternoon.

Police presser on Facebook murder suspect who killed himself

Stephens (pictured) had been on the run since posting the video on Facebook on Sunday. Police said he shot himself on Tuesday morning

Stephens (pictured) had been on the run since posting the video on Facebook on Sunday. Police said he shot himself on Tuesday morning

Godwin's son, Robert Jr
Godwin's daughter, Tonya

Godwin’s son, Robert Jr (left), and his daughter, Tonya (right), both said they have forgiven their father’s killer

It showed him driving in his car, before getting out and walking up to a man – who was later identified as Godwin.

The two spoke briefly in the clip, before Stephens pulled the trigger and got back in his car to drive away.

In the video Stephens posted on social media, he was heard saying: ‘I snapped, I just snapped.’

He then addressed a woman, Joy Lane, by saying: ‘She’s the reason that this is about to happen.’

Robert Godwin's (pictured) son said he just wanted Stephens to turn himself in before hurting anyone else
Robert Godwin's (pictured) son said he just wanted Stephens to turn himself in before hurting anyone else

Robert Godwin’s (pictured) son said he just wanted Stephens to turn himself in before hurting anyone else

A still from the video shows the moment that Stephens walks up to the man and the two exchange a few words before he shoots him
A still from a Facebook video shows the moment Stephens shot and killed a man
 Stephens had been wanted on aggravated murder charges for killing 74-year-old Robert Godwin and then posting video of the shooting (above) to Facebook

Lane said in a text message to CBS News: ‘We had been in a relationship for several years. I am sorry that all of this has happened.’

Stephens filed for bankruptcy two years ago despite holding down a job as a counselor helping young people develop job skills and find employment.

The behavioral health agency where he worked said an extensive background check before he was hired turned up nothing worrisome.

In another video posted on Facebook, Stephens said he gambled away everything and that he and his girlfriend had planned to marry but did not, without saying why.

http://www.dailymail.co.uk/news/article-4422248/Family-man-shot-Facebook-killer-forgive-murderer.html#ixzz4edLVyl8K

McDonald’s workers tipped police about Facebook killer

 Tuesday

Shortly before he killed self, Steve Stephens ordered 20 nuggets and fries at drive-through window, workers said.


2:04 p.m.

Pennsylvania State Police say they will hold a news conference on the Steve Stephens case at 3:30 p.m. at Troop E barracks in Lawrence Park.

1:43 p.m.

Steve Stephens’ taste for McDonald’s helped the Pennsylvania State Police catch the accused Facebook killer in Erie.

Employees at the McDonald’s on Buffalo Road, in Harborcreek Township, said a drive-through attendant alerted state police when Stephens stopped at the restaurant’s drive-through window shortly after 11 a.m.

The McDonald’s is about five miles east of where state police stopped Stephens in Erie.

Thomas DuCharme Jr., owner and operator of the McDonald’s, said the attendant thought she recognized Stephens. DuCharme said the attendant then called state police.

DuCharme said Stephens ordered 20 chicken nuggets and a basket of fries, but that the workers held off on delivering the fries to delay Stephens. He said Stephens got the nuggets.

“We told him his fries were going to be a minute,” said Henry Sayers, the restaurant’s manager.

Said DuCharme: “I am pretty sure he figured out that we were on to him. He didn’t want to wait for his fries.”

He said Stephens then drove away without the fries.

1:23 p.m.

Erie County Coroner Lyell Cook pronounced Stephens dead at the scene at 11:35 a.m. Investigators are getting search warrants for the car and are waiting on the arrival of a state police accident reconstruction team later this afternoon.

Cook said his office would conduct an autopsy at 11 a.m. on Wednesday.

Three state police cruisers involved in the stop of Stephens’ car remained at the scene, along with Stephens’ car.

1:12 p.m.

Warren Harris, 64, of Erie, who is on the scene of the investigation, said he had lived near Steve Stephens and his family in Beachwood, Ohio.

Harris, who said he has lived in Erie for 12 years, said the family is “good, churchgoing family.” He said that today’s events did not surprise him because “incidents like this happen where I’m from.”

1:07 p.m.

A spokeswoman at Stephens’ employer told the Erie Times-News in a telephone interview on Tuesday afternoon that employees there learned quickly of Stephens’ death in Erie via news reports.

“It’s just been a tragic situation, on every front, with this story,” said Nancy Kortemeyer, senior director of marketing and public relations at Beech Brook, located in northeast Ohio.

Beech Brook is a behavioral health organization serving children, teenagers and families.

According to a statement Beech Brook officials posted on its website, Stephens worked there since 2008, most recently as a vocational specialist for youth and young adults. Prior to that, Stephens had been a youth mentor.

Stephens had no major disciplinary actions at Beech Brook, Kortemeyer said, and there was nothing in his work history “that would have been a red flag.”

The manhunt for Stephens has been “very much a strain and a worry” for the Beech Brook staff, Kortemeyer said.

“We’ve been worried about the safety of our staff and our clients,” Kortemeyer said. “We are just relieved the situation has been resolved without any further harm to anyone else.

Kortemeyer added, “It’s so sad that Steve Stephens took his own life. We don’t know what would have caused him to do this.”

Beech Brook issued a statement regarding Stephens’ death later Tuesday on its website:

“It was with a mixture of sadness and relief that Beech Brook learned of the suicide of Steve Stephens. Every suicide is a tragedy, but we also share a sense of relief with the rest of our community because we are no longer fearful that Mr. Stephens will take more lives.

“We are deeply grateful to the law enforcement officials who vigorously pursued this case. Our thoughts are with all of those impacted by these senseless acts of violence.”

1 p.m.

From Pennsylvania State Police, or PSP, in a news release:

” ‘Facebook Killer’ Steve Stephens was spotted just after 11 a.m. by an alert citizen near the intersection of Buffalo Road and Downing Avenue in Erie County, Pennsylvania, which is less than two miles from PSP Troop E headquarters.

“PSP troopers immediately began to canvas the area for Stephens and located him in his vehicle a short time later. Troopers in marked patrol units initiated a pursuit that lasted approximately two miles.

“The troopers attempted a PIT maneuver to disable Stephens’ vehicle, a white Ford Fusion. As the vehicle was spinning out of control from the PIT maneuver, Stephens pulled a pistol and shot himself in the head.”

12:58 p.m.

Agents with the federal Bureau of Alcohol, Tobacco, Firearms and Explosives have arrived on scene. The FBI arrived earlier and agents are still on scene.

12:55 p.m.

From a news conference in Cleveland at about 12:15 p.m.

Cleveland Police Chief Calvin Williams said he had no information on why Steven Stephens was in Erie.

“We are taking a cautious approach,” he said. “There may be connections we don’t know about. There is still a lot we don’t know.”

Chief acknowledged that their federal partners had spent time searching Erie and the surrounding area.

Anyone who knows that area, he said, knows “there are a lot of places to hide.”

The press conference was held less than an hour after Stephens took his own life. At that early point, “We have spoken with all the families involved. They had all been notified,” Williams said.

Williams said at the news conference that he had few details: “Our investigators are on their way now,” he said.

Another officer who spokes at the news conference, but whose name was not available, said: “We had hoped to bring Steve in peacefully and talk to him about what happened.”

The same police officials said: “Kudos to Pennsylvania State Police for doing an outstanding job.”

Asked if he was worried about potential copycats who might commit their own crimes and post them to social media, Chief Williams shook his head no.

“We’re not putting that energy out there,” he said. “We’ve talked about people not living their lives on social media. This is something that should never have been shared on social media, period.”

Chief Williams said police followed up on about 400 leads across the country, but it was one particular tip that led police to Stephens.

“We are grateful to the people who gave this tip to Pennsylvania State Police,” he said.

12:53 p.m.

State police commanders have left the scene. Erie County Coroner Lyell Cook had been examining the body of Steve Stephens inside the white Ford Fusion, where police said he fatally shot himself after state police pulled him over at around 11:10 a.m.

12:51 p.m.

Spectators at the scene of an investigation of Steve Stephens’ apparent suicide in Erie, many streaming video of the scene from their smartphones, were glad the manhunt for the accused Cleveland Facebook killer was over. They said they’d been worried about the safety of local children after first hearing Stephens might be in Erie.

Others were not afraid at all.
“Everyone was scared of this dude for no reason,” Melvon Heidelberg said.
Heidelberg, 21, of Erie, traveled to the scene from East Lake Road after his friend told him Stephens had been found.
“People get shot out here everyday,” he said. “In Erie, that’s how it is. It’s real out here. You gotta be careful.”
Another spectator, Lisa Jenkins, of Erie, said the city has enough problems already.
“We don’t need Cleveland’s,” said Jenkins, 47.

Erie police have confirmed the suicide in Erie on Tuesday of Steve Stephens, the Cleveland resident suspected of fatally shooting a Cleveland man on Sunday and posting video of the slaying on Facebook.

Stephens died of a self-inflicted gunshot wound while driving a white Ford Fusion near Buffalo Road and Downing Avenue around 11:10 a.m., police said.

State police were following the car as it headed west into Erie after leaving a nearby McDonald’s, police said.

The car, pointed west, is stopped in the westbound lane of Buffalo Road, across from the former Burton Elementary School, 1660 Buffalo Road. Police are blocking off the entire school grounds.

Erie police are also at the scene, with Erie County Coroner Lyell Cook and the FBI and Erie County District Attorney Jack Daneri.

Erie Mayor Joe Sinnott said early Tuesday afternoon that he did not have much information about the incident, but he expected to be briefed later in the day by Police Chief Don Dacus.

“Obviously when you’ve got a fugitive out there, you’re pleased to see it come to some quick resolution,” Sinnott said.

http://www.dailymail.co.uk/news/article-4422248/Family-man-shot-Facebook-killer-forgive-murderer.html

Latest Crime Statistics Released

Increase in Violent Crime, Decrease in Property Crime

Police Tape at Crime Scene (Stock Image)

Today, the FBI released its annual compilation of crimes reported to its Uniform Crime Reporting (UCR) Program by law enforcement agencies from around the nation. Crime in the United States, 2015 reveals a 3.9 percent increase in the estimated number of violent crimes and a 2.6 percent decrease in the estimated number of property crimes last year when compared to 2014 data.

According to the report, there were an estimated 1,197,704 violent crimes committed around the nation. While that was an increase from 2014 figures, the 2015 violent crime total was 0.7 percent lower than the 2011 level and 16.5 percent below the 2006 level.

Among some of the other statistics contained in Crime in the United States, 2015:

  • The estimated number of murders in the nation was 15,696.
  • During the year, there were an estimated 90,185 rapes. (This figure currently reflects UCR’s legacy definition. Learn more about the revised rape definition.)
  • There were an estimated 327,374 robberies nationwide, which accounted for an estimated $390 million in losses (average dollar value of stolen property per reported robbery was $1,190).
  • Firearms were used in 71.5 percent of the nation’s murders, 40.8 percent of robberies, and 24.2 percent of aggravated assaults.
  • Property crimes resulted in losses estimated at $14.3 billion. The total value of reported stolen property (i.e., currency, jewelry, motor vehicles, electronics, firearms) was $12,420,364,454.
Pie charts showing breakdown of violent crimes and property crimes from Crime in the United States, 2015 report.

In addition to national crime data, the publication also contains agency-level data, regional data, state totals, data from cities and counties grouped by populations, and statistics from certain metropolitan areas.

Crime in the United States, 2015 also features several smaller reports:

  • Federal Crime Data, the second report from UCR looking at crime reporting from federal agencies, includes 2015 data from FBI and ATF cases as well as traditional offense information from other federal agencies.
  • Human Trafficking, the third report from UCR’s Human Trafficking data collection, includes general content about human trafficking as well as data provided by agencies that reported human trafficking offenses in 2015.
  • Cargo Theft, the third report from UCR’s Cargo Theft data collection, contains general information about cargo theft and data provided by agencies that reported cargo theft violations during 2015.

Also included in Crime in the United States, 2015 is a message from Director James Comey on FBI efforts to improve the collection, analysis, and uses of crime statistics and data about law enforcement’s use of force, primarily through its ongoing shift to the more detailed National Incident-Based Reporting System (NIBRS) and a use-of-force database. Both, he said, will “give us a more complete, richer picture of crime in our communities, and a national and detailed picture of the ways we in law enforcement are using force.”

According to Comey, who cited the need for more transparency and accountability in law enforcement, “Information that is accurate, reliable, complete, and timely will help all of us learn where we have problems and how to get better.”

Resources:

Expanded Offense

Download Printable Document

Expanded offense data are the details of the various offenses that the Uniform Crime Reporting Program collects beyond the count of how many crimes law enforcement agencies report. These details may include the type of weapon used in a crime, type or value of items stolen, and so forth. For example, expanded homicide data provide supplemental details about murders, such as the age, sex, race, and ethnicity of both the victim and the offender, the weapon used in the homicide, the circumstances surrounding the offense, and the relationship of the victim to the offender. In addition to these types of details, expanded data include trends (for example, 2-year comparisons) and crime rates per 100,000 inhabitants.

Data collection

Expanded offense data, including expanded homicide data, are details collected in addition to the reports of the number of crimes known. As a result, law enforcement agencies can report an offense without providing the supplemental information about that offense.

Expanded data by offense

Murder

    • Trends (2-year): Tables 12, 13, and 14
    • Rates (per 100,000 inhabitants): Tables 16, 17, and 18
    • Weapons: Table 20

Expanded Homicide Data Tables 

    • Victim data: Expanded Homicide Data Tables 1, 2, 4, 5, 6, 9, 10, and 13
    • Offender data: Expanded Homicide Data Tables 3, 4, 5, and 6
    • Victim/offender relationship data: Expanded Homicide Data Tables 4, 5, and 6
    • Circumstance data: Expanded Homicide Data Tables 10, 11, 12, and 13
    • Weapons: Expanded Homicide Data Tables 7, 8, 9, 11, 14, 15, and Table 20
    • Justifiable Homicide data: Expanded Homicide Data Tables 14 and 15

Rape

    • Trends (2-year): Tables 12, 13, 14, and 15
    • Rates (per 100,000 inhabitants): Tables 16, 17, 18, and 19

Robbery

Aggravated assault

Burglary

    • Trends (2-year): Tables 12, 13, 14, and 15
    • Rates (per 100,000 inhabitants): Tables 16, 17, 18, and 19
    • Offense analysis (e.g., location type): Table 23

Larceny-theft

    • Trends (2-year): Tables 12, 13, and 14
    • Rates (per 100,000 inhabitants): Tables 16, 17, and 18
    • Offense analysis (e.g., type and value): Table 23
    • Larceny-theft type within region: Larceny-theft Table

Motor vehicle theft

Arson

Story 2: Breaking — Racist Black Muslim Kori Ali Muhammad,39, aka Black Jesus Kills Three Shouting “Allahu Akbar” (“God is great” in Arabic) — Pop, Bang, Boom — Camera Moves — Shot Spotter — Red Dot — Digital Justice — Videos —

 Image result for fresno shooter koriImage result for shot spotterImage result for fresno shooter kori

Fresno shooting 4-18-17 Kori Ali Muhammad screaming Ali Akbar!

Fresno Shooting Suspect Identified – Kori Ali Muhammad AKA Black Jesus

[youtu be=https://www.youtube.com/watch?v=7Zrcm-6-J1g]

Fresno shootings

Fresno Shooting Spree: Three Dead After Gunman Opens Fire | NBC Nightly News

Police: Fresno Shootings Race-Related, But No Ties To Terrorist Groups

Shooting Spree in California Leaves Three People Dead

ShotSpotter – Gunshot Detection System

Three Dead In Fresno Shooting Spree

Racial Crime Statistics

The Truth About Crime

Why Black Crime Matters | Colin Flaherty and Stefan Molyneux

The Role of Psych Meds in Mass Shootings

At Issue In Brief #140102 “Shot Spotter — How It Works”

SST – ShotSpotter Overview

Uploaded on Oct 27, 2011

ShotSpotter is a family of acoustic gunshot detection, alert and analysis solutions developed by SST Inc. Gunshot data has a trickle-down effect that can provide immense value. Watch the video to learn how our real-time data helps law enforcement respond more intelligently and make communities safer. It is our mission and honor to serve our communities and their respective law enforcement agencies.

Published on Apr 18, 2017

Three people were shot to death in less than a minute at separate locations Tuesday in Fresno, California, authorities said. A fugitive wanted in a previous homicide was arrested at the scene.
The man, identified as Kori Ali Muhammad, 39, who investigators said used the alias “Black Jesus,” was arrested and was being held awaiting at least four counts of murder, Fresno Police Chief Jerry Dyer told reporters.In addition to the three people who were killed Tuesday, Muhammad had been wanted in connection with the shooting death of a security guard at a Motel 6 last Thursday, Dyer said.
At least 16 rounds were fired in less than a minute at four locations, including a Catholic Charities facility, where the gunman killed a man in the parking lot, Dyer said. None of the victims worked at the charity, he said.
While police said the gunman yelled “Allahu Akbar” (“God is great” in Arabic) during the incident, it was too early to say whether terrorism was a factor, Dyer said.

There’s No Gun Problem – There’s a Murder Problem

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John Lott: More Guns, Less Crime

Hate crime is suspected after a gunman kills 3 white men in downtown Fresno

Veronica Rocha , Joseph Serna, Diana Marcum and Hailey Branson-PottsContact Reporters

Kori Ali Muhammad told his family there was a war going on between blacks and whites in America.

On social media, he referred to white people as “devils.” Earlier in the year, he posted a rap album on YouTube replete with violent, explicit, racially-charged lyrics, including referring to himself in one song as a “black soldier.”

On Tuesday morning, police say Muhammad stalked the streets of downtown Fresno, fatally shooting three white men with a .357 revolver. Before surrendering to police, he allegedly shouted “Allahu akbar” and expressed hatred toward white people and the government, according to Fresno Police Chief Jerry Dyer.

Local authorities said they don’t believe the attack was an act of terrorism but are investigating it as a hate crime.

“If in fact he’s lashing out at white people — white males in this case — that would constitute a hate crime,” Dyer said. “We believe it is a hate crime, definitely a hate crime.”

The chief said investigators don’t believe Muhammad worked with anyone else in the attack, calling him “an individual that is filled with hate, filled with anger.”

The attack occurred over less than two minutes with Muhammad firing a total of 16 shots. Dyer said he surrendered to a responding officer without incident and later apologized to the chief.

In addition to Tuesday’s killings, police said Muhammad was suspected in the fatal shooting of a security guard, also a white male, last week.

Muhammad’s father, Vincent Taylor, told The Times on Tuesday that his son believed that he was part of an ongoing war between whites and blacks, and that “a battle was about to take place.”

The attack began at around 10:45 a.m. in the 300 block of North Van Ness Avenue. Within a few seconds, a second burst of gunfire was heard, then a third and a fourth. Sixteen rounds were fired in four locations, Dyer said.

After the shots were heard, Dyer said the driver of a PG&E truck arrived at the city’s police headquarters to report that a passenger had been shot by a gunman who had approached them on foot.

After firing at the truck passenger, Muhammad walked west on East Mildreda Avenue, where he came across a resident and opened fire, Dyer said, but missed his target.

Muhammad then continued walking on Mildreda and approached Fulton Street, where he fatally shot another man before reloading his weapon, Dyer said.

He then headed toward Catholic Charities in the 100 block of North Fulton Street and fired a second fatal volley of gunfire, killing a man in the parking lot.

An officer in the area spotted the gunman running south on Fulton. He then “dove onto the ground” and was taken into custody, the chief said.

“As he was taken into custody, he yelled out, ‘Allahu akbar,’ ” Dyer said.

“Allahu akbar” roughly translates to “God is great” in Arabic and is a common positive refrain uttered by Muslims in prayer or in celebration. But the phrase has also been linked to terrorist attacks. The gunman who killed 13 people in a terror attack at Fort Hood, Texas, screamed “Allahu akbar” as he opened fire in 2009, and the phrase is often tweeted by social media accounts sympathetic to Islamic State and other terror groups.

The victims in Tuesday’s attack were not immediately identified. In a statement released last week, Fresno police said Muhammad was believed to have shot and killed Carl Williams, an unarmed 25-year-old security guard, outside of a Motel 6 on North Blackstone Avenue on Thursday.

Muhammad did not make any references to race during last week’s attack, according to Dyer, who said investigators will need time to determine the exact motive in the shootings.

“There was no statement made on Thursday night when he shot the security guard and killed him,” Dyer said. “There was no comments or no statements made at that time, so I am not certain why he said what he said today.”

Muhammad legally changed his name from Kori Taylor when he was a teenager, according to his grandmother, Glenestene Taylor, who said Muhammad was acting strangely when he visited her Sunday. He was crying, but she believed he was simply going out of town.

“I thought that’s why he’s upset, because he thinks of me as a mother,” said Taylor, 81. “He’s always telling me, ‘I’ll take care of it. I’ll protect you. Don’t you worry about it.’ He really didn’t want to go but he was going.”

A Facebook profile page for a Kori Ali Muhammad from Fresno paid homage to black pride and black nationalism, with images of the red, green and black Pan-African flag and a raised fist.

The rambling profile includes militant and apocalyptic language and repeated demands to “let black people go.” He referenced “white devils” and praised melanoma skin cancer.

On Saturday afternoon, Muhammad posted a photo of himself in a colorful garment, with his head covered, and the words: “LET BLACK PEOPLE GO OR THE DOOM INCREASES REPARATIONS & SEPARATION NOW.”

On Monday he wrote: “MY KILL RATE INCRESASES TREMENDOUSLY ON THE OTHER SIDE ASÈ ALLAH U AKBAR.”

Brian Levin, director of Cal State San Bernardino’s Center for the Study of Hate and Extremism, said many of Muhammad’s social media postings make reference to terms used by the Nation of Islam, which has been labeled a racist hate group by the Southern Poverty Law Center. Pointing to Muhammad’s repeated references to “white devils” and “Yakub” — the villainous figure responsible for creating white people, according to Nation of Islam lore — Levin said it is likely Muhammad thought he was taking part in a race war against whites.

“We’re living in an era of violent reciprocal prejudice, and there are references on his website to Fard Muhammad, the founder of Nation of Islam, and Nation of Islam uses the term white devils quite prolifically, as did this shooter,” Levin said.

Muhammad also repeatedly used the phrase “Black Dragon Lion Hawk” in his Facebook posts, and Levin said such nods to warrior culture are also common in black separatist circles.

But Glenestene Taylor said she didn’t remember her grandson showing a racial bias, toward whites or anyone else, in all his years staying with her or during countless visits to her predominately white Fresno neighborhood.

“He would say something derogatory about anybody, didn’t matter about the color,” she said. “If he didn’t like what they did, he didn’t like what they did no matter the color.”

Muhammad had run afoul of Fresno police before. He was indicted by a federal grand jury in February 2005 for possession of cocaine with intent to distribute, possession of a firearm for drug trafficking and possession of a firearm by a convicted felon, after a Fresno police officer searched his car and found two large bags of cocaine, a loaded handgun and two rifles, court records show. A federal judge later declared Muhammad mentally incompetent to stand trial.

He was deemed competent in August 2006 and pleaded guilty to the charges of cocaine possession with intent to distribute and a weapons charge. He ultimately served 92 months in federal prison, records show.

Hours after the shootings Tuesday, two shaken workers at the Catholic charity said they had ducked under yellow police tape to get out.

They said they were told not to talk to the news media. But one, a Vietnam veteran, said a person never forgets the sound of guns. He said that the charity gives away food every day and that families are allowed to come only once a week.

“We feed a lot of children, so we have to make sure that the food gets spread around,” he said.

“This is a sad day for us all. My thoughts and prayers are with the families of the victims,” Fresno Mayor Lee Brand said in a statement. “None of us can imagine what they must be going through.”

Vincent Taylor said he hopes his son’s capture headed off any future bloodshed.

“I’m happy he was arrested,” he said. “I would hope that whatever Kori tells [police,] they take him seriously and they start following up.”

http://www.latimes.com/local/lanow/la-me-fresno-shooting-20170418-story.html

Dr John Lott, “More Guns Less Crime” Northwest Business Club 6-12-2013

John Lott Presentation: Do Gun-Free Zones Make us Safer?

Three dead in central Fresno shooting spree; suspect caught, linked to Motel 6 slaying

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The Pronk Pops Show 865, March 31, 2017, Story 1: Conservative and Libertarian Talk Radio Could Turn On Trump For Attacking Freedom Caucus and Failure To Completely Repeal Obamacare By Law (Statute) Not Discretion of Secretary of Health and Human Services Dr. Thomas Price — Establishment Republican House Speaker Ryan’s Bad Faith, Bad Process, Bad Bill — Socialized Medicine Obamacare Lite vs. Good Faith, Good Process, Good Bill — Free Enterprise Market Capitalism Competitive Health Insurance Premiums and Deductibles Decreases! — Close The Deal Mr. President — Videos — Story 2: Obama Administration Spied On American Citizens Including Trump and Trump Team — Obama Scandal Far Worse Than Nixon’s Cover-up of Watergate Break-in — Legacy Fading Fast — Grand Jury Should Be Impaneled Now! — Videos

Posted on March 31, 2017. Filed under: American History, Applications, Blogroll, Breaking News, Business, Communications, Computers, Congress, Consitutional Law, Countries, Crime, Culture, Donald J. Trump, Donald Trump, Economics, Education, Empires, Employment, Federal Bureau of Investigation (FBI), Federal Government, Foreign Policy, Fourth Amendment, Freedom of Speech, Government, Government Dependency, Government Spending, Hardware, Health, Health Care, Health Care Insurance, High Crimes, History, House of Representatives, Human, Independence, Insurance, Investments, Language, Law, Life, Media, Medicare, Mike Pence, National Security Agency, News, Nixon, Obama, Philosophy, Photos, Politics, Polls, President Barack Obama, Progressives, Radio, Raymond Thomas Pronk, Regulation, Rule of Law, Scandals, Second Amendment, Security, Senate, Servers, Social Networking, Social Security, Software, Spying, Surveillance and Spying On American People, Terror, Terrorism, Unemployment, United States Constitution, United States of America, Welfare Spending | Tags: , , , , , , , , , , , , , , , , , |

 

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Story 1: Conservative and Libertarian Talk Radio Could Turn On Trump For Attacking Freedom Caucus and Failure To Completely Repeal Obamacare By Law (Statute) Not Discretion of Secretary of Health and Human Services Dr. Thomas Price — Establishment Republican House Speaker Ryan’s Bad Faith, Bad Process, Bad Bill — Socialized Medicine Obamacare Lite  vs. Good Faith, Good Process, Good Bill — Free Enterprise Market Capitalism Competitive Health Insurance Premiums and Deductibles Decreases! — Close The Deal Mr. President — Videos —

 

“Effective as of Dec. 31, 2017, the Patient Protection and Affordable Care Act is repealed, and the provisions of law amended or repealed by such Act are restored or revived as if such Act had not been enacted,”

 Image result for trump tweet freedom caususImage result for Trump on freedom caucus ring leaders

Image result for cartoons obama spyied on trump

Image result for obama spied on trump

Limbaugh on Trump’s Shots at Freedom Caucus: These Guys Are Not the Enemy — Dems Are the Enemy

Laura Ingraham: ‘Really Unhelpful’ to Trump’s Agenda for Him to Be Slamming House Freedom Caucus

Hannity 3⁄31⁄17 ¦ HANNITY Fox News March 31, 2017

Laura Ingraham: Trump’s Attacks on Freedom Caucus ‘Ridiculous’

Hannity: Freedom Caucus not to blame for health care failure

Newt Gingrich outlines why GOP health care bill failed

Freedom Caucus Jim Jordan: Ryan’s Legislation Doesn’t Lower Premiums For Americans!

Rep. Mo Brooks Files A Bill To Repeal Obamacare

Published on Mar 27, 2017

On the same day that the House of Representatives canceled its vote on Ryancare, Alabama Rep. Mo Brooks filed a simple one-line bill to repeal Obama’s signature health care law.
The Huntsville Republican titled the bill ‘Obamacare Repeal Act.” It is short and to the point, AI.com reported.
“Effective as of Dec. 31, 2017, the Patient Protection and Affordable Care Act is repealed, and the provisions of law amended or repealed by such Act are restored or revived as if such Act had not been enacted,” the bill reads.
Brooks, a member of the House Freedom Caucus, told constituents last week that he was a “no” vote on the Obamacare repeal/replace bill offered by Republican Speaker of the House Paul Ryan.
Also last week, in an interview with SiriusXM host Alex Marlow, Brooks called the Speaker’s bill “a horrible replacement bill.”

Rep. Brooks: We need a bill that repeals Obamacare

Rep. Mo Brooks: ‘Deceptive’ to call GOP’s plan a repeal of Obamacare

Donald Trump THREATENS The Freedom Caucus, said Rush Limbaugh

SEAN SPICER ON TRUMP’S ANTI FREEDOM CAUCUS TWEET

Rand Paul: 75 Percent Chance We Repeal Obamacare

Ep. 239: Trump Needs To Lead Not Oppose The Freedom Caucus

Employers Will Cut Wages and Workers to Pay for Obamacare Premiums

News Wrap: Trump takes aim at the Freedom Caucus

SMOKING GUN Devastating New Email Released, Look What Obama’s Caught Ordering His Spy Ring To Do

The House Freedom Caucus: What You Need To Know | TIME

Wh On Changes Of President Trump Working With House Freedom Caucus Again: It Depends – Cavuto

Mark Levin Interviews Freedom Caucus Chair Mark Meadows

Is The House Freedom Caucus Unwilling to take “Yes” For an Answer?

Freedom Caucus’s reasonable demand on Obamacare repeal

Poll: Just 17 percent of voters back ObamaCare repeal plan

 

Poll: Just 17 percent of voters back ObamaCare repeal plan

A majority of American voters oppose the Republicans’ plan to repeal and replace ObamaCare, while very few voters support it, a new poll finds.

A poll published Thursday by Quinnipiac University found that 56 percent of voters disapprove of the GOP healthcare plan, while just 17 percent support it.

Even among Republicans, only 41 percent support the American Health Care Act, while 24 percent oppose it. And 80 percent of Democrats and 58 percent of Independent voters disapprove of the plan.

Republicans are scrambling to shore up support for the repeal-and-replace bill ahead of an expected House vote later Thursday. President Trump is meeting with members of the conservative Freedom Caucus, who are seeking a number of changes to the bill in exchange for their support.But centrist Republicans are fleeing from the bill as it changes to fit the conservatives’ desires, complicating efforts to get the bill passed in the House.

The poll found that 46 percent of voters say they will be less likely to vote for their Congressional representative if they vote to approve the GOP health insurance plan.

The Quinnipiac University poll was conducted from March 16 to 21 and surveyed 1,056 voters. The margin of error is 3 percentage points.

http://thehill.com/policy/healthcare/325448-poll-majority-of-voters-disapprove-of-gop-obamacare-repeal-plan

 

Essential health benefits

From Wikipedia, the free encyclopedia

In the context of health care in the United States, essential health benefits (EHBs) are a set of benefits that certain health insurance plans are required to cover for patients.[1]

Essential health benefits must be offered by health plans in individual and small group markets, both inside and outside of the Health Insurance Marketplace.[2][3] Large-group health plans, self-insured ERISA plans, and ERISA-governed multiemployer welfare arrangements not subject to state insurance law are exempt from the EHB requirement.[4]

Essential health benefits

The ACA sets forth the following ten categories of essential health benefits,[5][6] at Section 1302(b)(1) of the Affordable Care Act, codified at 42 U.S.C. § 18022(b):[7]

  1. Ambulatory patient services. [outpatient care]
  2. Emergency services.
  3. Hospitalization. [inpatient care]
  4. Maternity and newborn care
  5. Mental health and substance use disorder services, including behavioral health treatment.
  6. Prescription drugs.
  7. Rehabilitative and habilitative services and devices.
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management;
  10. Pediatric services, including oral and vision care.

The essential health benefits are a minimum standard: “Qualified health plans are not barred from offering additional benefits, and states may require that qualified health plans sold in state health insurance exchanges also cover state-mandated benefits.”[8]

The ACA’s list of essential health benefits is defined in terms of ten broad classes.[9] The act gives “considerable discretion” to the Secretary of Health and Human Services to determine, through regulation, what specific services within these classes are essential. However, the Act provides certain parameters for the secretary to consider. The secretary (1) must “ensure that such essential health benefits reflect an appropriate balance among the categories … so that benefits are not unduly weighted toward any category”; (2) may “not make coverage decisions, determine reimbursement rates, establish incentive programs, or design benefits in ways that discriminate against individuals because of their age, disability, or expected length of life”; (3) must take into account “the health care needs of diverse segments of the population, including women, children, persons with disabilities, and other groups”; and (4) must ensure that essential benefits “not be subject to denial to individuals against their wishes on the basis of the individuals’ age or expected length of life or the individuals’ present or predicted disability, degree of medical dependency, or quality of life.”[10]

According to a Commonwealth Fund report in 2011:

As it stands, federal regulations for 2014 and 2015 do not establish a single, nationally uniform package of health services. Instead, the U.S. Department of Health and Human Services (HHS) gave states discretion to determine the specific benefits they deem essential. This approach was well-received by many state officials, who valued the opportunity to tailor benefit standards to reflect state priorities, and by insurers, who retained more control over benefit design. Groups representing consumers and providers were less supportive, however, expressing concern that the degree of flexibility found in the rules undermines the law’s promise of consistent, meaningful coverage.[11]

History

Coverage of essential health benefits was first required by the Patient Protection and Affordable Care Act (PPACA or ACA) of 2010, which was a major piece of health care reform legislation.[1] The EHB provisions of the ACA was an amendment to the Public Health Service Act.[12]

Dr. Shana Alex Lavarreda, the director of health insurance studies for the UCLA Center for Health Policy Research, explains that before the ACA’s passage, U.S. health insurance sector experienced “a race to the bottom, with insurers cutting benefits to lower premiums.”[1] The establishment of essential health benefits “set a standard for insurance. Anything below that is not true health insurance.”[1] The EHB requirement came into effect on January 1, 2014.[1]

Revision and repeal of essential health benefits coverage was proposed in the Republican part American Health Care Act of 2017.[13] House Freedom Caucus members lobbied during legislation discussion with House Speaker Paul Ryan to remove EHBs as a condition for approval of the AHCA bill.[14]

Comparison with minimum essential coverage

Essential health benefits should not be confused with minimum essential coverage (MEC). MEC is the minimum amount of coverage that an individual must carry to meet the individual health insurance mandate, while EHBs are a set of benefits that qualified health plans (QHPs) must offer.[15] MEC is a low threshold; many forms of coverage that do not provide essential health benefits are nevertheless considered minimum essential coverage.[15]

Notes

  1. ^ Jump up to:a b c d e Frank Lalli, The Health Care Law’s 10 Essential Benefits: The Affordable Care Act ensures you’ll have access to these medical and wellness services, AARP The Magazine (August/September 2013).
  2. Jump up^ Essential Health Benefits, HealthCare.gov (accessed November 12, 2015).
  3. Jump up^ Rosenbaum, Teitelbaum & Hayes, p. 2.
  4. Jump up^ Rosenbaum, Teitelbaum & Hayes, p. 3.
  5. Jump up^ 10 health care benefits covered in the Health Insurance Marketplace, HealthCare.gov (accessed November 12, 2015).
  6. Jump up^ Alexandra Ernst, 10 Essential Health Benefits Insurance Plans Must Cover Starting in 2014, FamiliesUSA (March 28, 2013).
  7. Jump up^ 42 U.S. Code § 18022 – Essential health benefits requirements
  8. Jump up^ Rosenbaum, Teitelbaum & Hayes, p. 3.
  9. Jump up^ Rosenbaum, Teitelbaum & Hayes, p. 3.
  10. Jump up^ Rosenbaum, Teitelbaum & Hayes, pp. 3-4
  11. Jump up^ Giovannelli, Lucia & Corlette, p. 2.
  12. Jump up^ Rosenbaum, Teitelbaum & Hayes, p. 2.
  13. Jump up^ “Republicans may gut an overlooked provision of Obamacare — and disrupt health insurance”. Business Insider. Retrieved 2017-03-26.
  14. Jump up^ Luhby, Tami. “Essential Health Benefits and why they matter”. CNN. Retrieved 2017-03-26.
  15. ^ Jump up to:a b Susan Grassli & Lisa Klinger, Understanding the Difference between Minimum Essential Coverage, Essential Health Benefits, Minimum Value, and Actuarial Value, Leavitt Group (January 27, 2014).

Sources

External links

Patient Protection and Affordable Care Act

From Wikipedia, the free encyclopedia
Patient Protection and Affordable Care Act
Great Seal of the United States
Long title The Patient Protection and Affordable Care Act
Acronyms(colloquial) PPACA, ACA
Nicknames Affordable Care Act, Health Insurance Reform, Healthcare Reform, Obamacare
Enacted by the 111th United States Congress
Effective March 23, 2010; 7 years ago
Most major provisions phased in by January 2014; remaining provisions phased in by 2020
Citations
Public law 111–148
Statutes at Large 124 Stat.119through 124 Stat.1025(906 pages)
Legislative history
  • Introduced in the Houseasthe “Service Members Home Ownership Tax Act of 2009” (H.R. 3590) byCharles Rangel (DNY) on September 17, 2009
  • Committee consideration byWays and Means
  • Passed the House on October 8, 2009 (416–0)
  • Passed the Senate as the “Patient Protection and Affordable Care Act” on December 24, 2009 (60–39) with amendment
  • House agreed to Senate amendment on March 21, 2010 (219–212)
  • Signed into law by PresidentBarack Obamaon March 23, 2010
Major amendments
Health Care and Education Reconciliation Act of 2010
Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011
United States Supreme Court cases
National Federation of Independent Business v. Sebelius
Burwell v. Hobby Lobby
King v. Burwell

The Patient Protection and Affordable Care Act, often shortened to the Affordable Care Act (ACA) and nicknamed Obamacare, is a United States federal statute enacted by the 111th United States Congress and signed into law by PresidentBarack Obama on March 23, 2010. Under the act, hospitals and primary physicians would transform their practices financially, technologically, and clinically to drive better health outcomes, lower costs, and improve their methods of distribution and accessibility.

The Affordable Care Act was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage and reduce the costs of healthcare. It introduced mechanisms including mandates, subsidies and insurance exchanges.[1][2] The law requires insurers to accept all applicants, cover a specific list of conditions and charge the same rates regardless of pre-existing conditions or sex.[3]

The ACA has caused a significant reduction in the number and percentage of people without health insurance, with estimates ranging from 20-24 million additional persons covered during 2016.[4][5] Increases in overall healthcare spending have slowed since the law was implemented, including premiums for employer-based insurance plans.[6] The Congressional Budget Office reported in several studies that the ACA would reduce the budget deficit, and that repealing it would increase the deficit.[7][8]

As implementation began, first opponents, then others, and finally the president himself adopted the term “Obamacare” to refer to the ACA.[9]

The law and its implementation faced challenges in Congress and federal courts, and from some state governments, conservativeadvocacy groups, labor unions, and small business organizations. The United States Supreme Court upheld the constitutionality of the ACA’s individual mandate as an exercise of Congress’s taxing power,[10]found that states cannot be forced to participate in the ACA’s Medicaid expansion,[11][12][13] and found that the law’s subsidies to help individuals pay for health insurance are available in all states, not just in those that have set up state exchanges.[14]

Together with the Health Care and Education Reconciliation Act amendment, it represents the U.S. healthcare system‘s most significant regulatory overhaul and expansion of coverage since the passage of Medicare and Medicaid in 1965.[15][16][17][18]

Contents

 [show] 

Provisions

The President and White House Staff react to the House of Representatives passing the bill on March 21, 2010.

The ACA includes provisions to take effect between 2010 and 2020, although most took effect on January 1, 2014. Few areas of the US health care system were left untouched, making it the most sweeping health care reform since the enactment of Medicare and Medicaid in 1965.[15][16][17][19][18] However, some areas were more affected than others. The individual insurance market was radically overhauled, and many of the law’s regulations applied specifically to this market,[15] while the structure of Medicare, Medicaid, and the employer marketwere largely retained.[16] Most of the coverage gains were made through the expansion of Medicaid,[20] and the biggest cost savings were made in Medicare.[16] Some regulations applied to the employer market, and the law also made delivery system changes that affected most of the health care system.[16] Not all provisions took full effect. Some were made discretionary, some were deferred, and others were repealed before implementation.

Individual insurance

Guaranteed issue prohibits insurers from denying coverage to individuals due to pre-existing conditions. States were required to ensure the availability of insurance for individual children who did not have coverage via their families.

States were required to expand Medicaid eligibility to include individuals and families with incomes up to 133% of the federal poverty level, including adults without disabilities or dependent children.[21] The law provides a 5% “income disregard”, making the effective income eligibility limit for Medicaid 138% of the poverty level.[22]

The State Children’s Health Insurance Program (CHIP) enrollment process was simplified.[21]

Dependents were permitted to remain on their parents’ insurance plan until their 26th birthday, including dependents that no longer live with their parents, are not a dependent on a parent’s tax return, are no longer a student, or are married.[23][24]

Among the groups who remained uninsured were:

  • Illegal immigrants, estimated at around 8 million—or roughly a third of the 23 million projection—are ineligible for insurance subsidies and Medicaid.[25][26] They remain eligible for emergency services.
  • Eligible citizens not enrolled in Medicaid.[27]
  • Citizens who pay the annual penalty instead of purchasing insurance, mostly younger and single.[27]
  • Citizens whose insurance coverage would cost more than 8% of household income and are exempt from the penalty.[27]
  • Citizens who live in states that opt out of the Medicaid expansion and who qualify for neither existing Medicaid coverage nor subsidized coverage through the states’ new insurance exchanges.[28]

Subsidies

Households with incomes between 100% and 400% of the federal poverty level were eligible to receive federal subsidies for policies purchased via an exchange.[29][30] Subsidies are provided as an advanceable, refundable tax credit[31][32] Additionally, small businesses are eligible for a tax credit provided that they enroll in the SHOP Marketplace.[33] Under the law, workers whose employers offer affordable coverage will not be eligible for subsidies via the exchanges. To be eligible the cost of employer-based health insurance must exceed 9.5% of the worker’s household income.

Subsidies (2014) for Family of 4[34][35][36][37][38]
Income % of federal poverty level Premium Cap as a Share of Income Incomea Max Annual Out-of-Pocket Premium Premium Savingsb Additional Cost-Sharing Subsidy
133% 3% of income $31,900 $992 $10,345 $5,040
150% 4% of income $33,075 $1,323 $9,918 $5,040
200% 6.3% of income $44,100 $2,778 $8,366 $4,000
250% 8.05% of income $55,125 $4,438 $6,597 $1,930
300% 9.5% of income $66,150 $6,284 $4,628 $1,480
350% 9.5% of income $77,175 $7,332 $3,512 $1,480
400% 9.5% of income $88,200 $8,379 $2,395 $1,480
a.^ Note: In 2014, the FPL was $11,800 for a single person and $24,000 for family of four.[39][40] See Subsidy Calculator for specific dollar amount.[41] b.^ DHHS and CBO estimate the average annual premium cost in 2014 would have been $11,328 for a family of 4 without the reform.[36]

Premiums were the same for everyone of a given age, regardless of preexisting conditions. Premiums were allowed to vary by enrollee age, but those for the oldest enrollees (age 45-64 average expenses $5,542) could only be three times as large as those for adults (18-24 $1,836).[42]

Mandates

Individual

The individual mandate[43] is the requirement to buy insurance or pay a penalty for everyone not covered by an employer sponsored health plan, Medicaid, Medicare or other public insurance programs (such as Tricare). Also exempt were those facing a financial hardship or who were members in a recognized religious sect exempted by the Internal Revenue Service.[44]

The mandate and the limits on open enrollment[45][46] were designed to avoid the insurance death spiral in which healthy people delay insuring themselves until they get sick. In such a situation, insurers would have to raise their premiums to cover the relatively sicker and thus more expensive policies,[43][47][48] which could create a vicious cycle in which more and more people drop their coverage.[49]

The purpose of the mandate was to prevent the healthcare system from succumbing to adverse selection, which would result in high premiums for the insured and little coverage (and thus more illness and medical bankruptcy) for the uninsured.[47][50][51] Studies by the CBO, Gruber and Rand Health concluded that a mandate was required.[52][53][54] The mandate increased the size and diversity of the insured population, including more young and healthy participants to broaden the risk pool, spreading costs.[55] Experience in New Jersey and Massachusetts offered divergent outcomes.[50][53][56]

Business

Businesses that employ 50 or more people but do not offer health insurance to their full-time employees pay a tax penalty if the government has subsidized a full-time employee’s healthcare through tax deductions or other means. This is commonly known as the employer mandate.[57][58] This provision was included to encourage employers to continue providing insurance once the exchanges began operating.[59] Approximately 44% of the population was covered directly or indirectly through an employer.[60][61]

Excise taxes

Excise taxes for the Affordable Care Act raised $16.3 billion in fiscal year 2015 (17% of all excise taxes collected by the Federal Government). $11.3 billion was an excise tax placed directly on health insurers based on their market share. The ACA was going to impose a 40% “Cadillac tax” on expensive employer sponsored health insurance but that was postponed until 2018. Annual excise taxes totaling $3 billion were levied on importers and manufacturers of prescription drugs. An excise tax of 2.3% on medical devices and a 10% excise tax on indoor tanning services were applied as well.[62]

Insurance standards

Essential health benefits

The National Academy of Medicine defined the law’s “essential health benefits” as “ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care”[63][64][65][66][67][68][69] and others[70] rated Level A or B by the U.S. Preventive Services Task Force.[71] In determining what would qualify as an essential benefit, the law required that standard benefits should offer at least that of a “typical employer plan”.[68] States may require additional services.[72]

Contraceptives

One provision in the law mandates that health insurance cover “additional preventive care and screenings” for women.[73] The guidelines mandate “[a]ll Food and Drug Administration approved contraceptive methods, sterilization procedures, and patient education and counseling for all women with reproductive capacity”.[74] This mandate applies to all employers and educational institutions except for religious organizations.[75][76] These regulations were included on the recommendations of the Institute of Medicine.[77][78]

Risk management

ACA provided three ways to control risk for insurers in the individual and business markets: temporary reinsurance, temporary risk corridors, and permanent risk adjustment.

Risk corridor program

The risk-corridor program was a temporary risk management device defined under the PPACA section 1342[79]:1 to encourage reluctant insurers into the “new and untested” ACA insurance market during the first three years that ACA was implemented (2014-2016). For those years the Department of Health and Human Services (HHS) “would cover some of the losses for insurers whose plans performed worse than they expected. Insurers that were especially profitable, for their part, would have to return to HHS some of the money they earned on the exchanges”[80][81] According to an article in Forbes, risk corridors “had been a successful part of the Medicare prescription drug benefit, and the ACA’s risk corridors were modeled after Medicare’s Plan D.”[82] They operated on the principle that “more participation would mean more competition, which would drive down premiums and make health insurance more affordable” and “[w]hen insurers signed up to sell health plans on the exchanges, they did so with the expectation that the risk-corridor program would limit their downside losses.”[80] The risk corridors succeeded in attracting ACA insurers. The program did not pay for itself as planned with “accumulated losses” up to $8.3 billion for 2014 and 2015 alone. Authorization had to be given so that HHS could pay insurers from “general government revenues”. Congressional Republicans “railed against” the program as a ‘bailout’ for insurers. Then-Rep. Jack Kingston (R-Ga.), on the Appropriations Committee that funds the Department of Health and Human Services and the Labor Department “[slipped] in a sentence” — Section 227 — in the “massive” appropriationsConsolidated Appropriations Act, 2014 (H.R. 3547) that said that no funds in the discretionary spending bill “could be used for risk-corridor payments.” This effectively “blocked the administration from obtaining the necessary funds from other programs”[83] and placed Congress in a potential breach of contract with insurers who offered qualified health plans, under the Tucker Act[79] as it did not pay the insurers.[84][84] On February 10, 2017, in the Moda Health v the US Government, Moda, one of the insurers that struggled financially because of the elimination of the risk corridor program, won a “$214-million judgment against the federal government”. Justice Thomas C. Wheeler stated, “the Government “made a promise in the risk corridors program that it has yet to fulfill. Today, the court directs the Government to fulfill that promise. After all, ‘to say to [Moda], ‘The joke is on you. You shouldn’t have trusted us,’ is hardly worthy of our great government.”[85]

Temporary reinsurance

Temporary reinsurance for insurance for insurers against unexpectedly high claims was a program that ran from 2014 through 2016. It was intended to limit insurer losses.[citation needed]

Risk adjustment

Of the three risk management programs, only risk adjustment was permanent. Risk adjustment attempts to spread risk among insurers to prevent purchasers with good knowledge of their medical needs from using insurance to cover their costs (adverse selection). Plans with low actuarial risk compensate plans with high actuarial risk.[citation needed]

Other provisions

In 2012 Senator Sheldon Whitehouse created this summary to explain his view on the act.

The ACA has several other provisions:

  • Annual and lifetime coverage caps on essential benefits were banned.[86][87]
  • Prohibits insurers from dropping policyholders when they get sick.[88]
  • All health policies sold in the United States must provide an annual maximum out of pocket (MOOP) payment cap for an individual’s or family’s medical expenses (excluding premiums). After the MOOP payment cap is reached, all remaining costs must be paid by the insurer.[89]
  • A partial community rating requires insurers to offer the same premium to all applicants of the same age and location without regard to gender or most pre-existing conditions (excluding tobacco use).[90][91][92] Premiums for older applicants can be no more than three times those for the youngest.[93]
  • Preventive care, vaccinations and medical screenings cannot be subject to co-payments, co-insurance or deductibles.[94][95][96] Specific examples of covered services include: mammograms and colonoscopies, wellness visits, gestational diabetes screening, HPV testing, STI counseling, HIV screening and counseling, contraceptive methods, breastfeeding support/supplies and domestic violence screening and counseling.[97]
  • The law established four tiers of coverage: bronze, silver, gold and platinum. All categories offer the essential health benefits. The categories vary in their division of premiums and out-of-pocket costs: bronze plans have the lowest monthly premiums and highest out-of-pocket costs, while platinum plans are the reverse.[68][98] The percentages of health care costs that plans are expected to cover through premiums (as opposed to out-of-pocket costs) are, on average: 60% (bronze), 70% (silver), 80% (gold), and 90% (platinum).[99]
  • Insurers are required to implement an appeals process for coverage determination and claims on all new plans.[88]
  • Insurers must spend at least 80–85% of premium dollars on health costs; rebates must be issued to policyholders if this is violated.[100][101]

Exchanges

Established the creation of health insurance exchanges in all fifty states. The exchanges are regulated, largely online marketplaces, administered by either federal or state government, where individuals and small business can purchase private insurance plans.[102][103][104]

Setting up an exchange gives a state partial discretion on standards and prices of insurance.[105][106] For example, states approve plans for sale, and influence (through limits on and negotiations with private insurers) the prices on offer. They can impose higher or state-specific coverage requirements—including whether plans offered in the state can cover abortion.[107] States without an exchange do not have that discretion. The responsibility for operating their exchanges moves to the federal government.[105]

State waivers

From 2017 onwards, states can apply for a “waiver for state innovation” that allows them to conduct experiments that meet certain criteria.[108] To obtain a waiver, a state must pass legislation setting up an alternative health system that provides insurance at least as comprehensive and as affordable as ACA, covers at least as many residents and does not increase the federal deficit.[109] Such states can exempt states from some of ACA’s central requirements, including the individual and employer mandates and the provision of an insurance exchange.[110] The state would receive compensation equal to the aggregate amount of any federal subsidies and tax credits for which its residents and employers would have been eligible under ACA plan, if they cannot be paid out due to the structure of the state plan.[108]

In May 2011, Vermont enacted Green Mountain Care, a state-based single-payer system for which they intended to pursue a waiver to implement.[111][112][113] In December 2014, Vermont decided not to continue due to high expected costs.[114]

Accountable Care Organizations

The Act allowed the creation of Accountable Care Organizations (ACOs), which are groups of doctors, hospitals and other providers that commit to give coordinated, high quality care to Medicare patients. ACOs were allowed to continue using a fee for service billing approach. They receive bonus payments from the government for minimizing costs while achieving quality benchmarks that emphasize prevention and mitigating chronic disease. If they fail to do so, they are subject to penalties.[115]

Unlike Health Maintenance Organizations, ACO patients are not required to obtain all care from the ACO. Also, unlike HMOs, ACOs must achieve quality of care goals.[115]

Others

Legislative history

President Obama signing the Patient Protection and Affordable Care Act on March 23, 2010

Background

An individual mandate coupled with subsidies for private insurance as a means for universal healthcare was considered the best way to win the support of the Senate because it had been included in prior bipartisan reform proposals. The concept goes back to at least 1989, when the conservativeHeritage Foundation proposed an individual mandate as an alternative to single-payer health care.[125] It was championed for a time by conservative economists and Republican senators as a market-based approach to healthcare reform on the basis of individual responsibility and avoidance of free rider problems. Specifically, because the 1986 Emergency Medical Treatment and Active Labor Act (EMTALA) requires any hospital participating in Medicare (nearly all do) to provide emergency care to anyone who needs it, the government often indirectly bore the cost of those without the ability to pay.[126][127][128]

President Bill Clintonproposed a healthcare reform bill in 1993 that included a mandate for employers to provide health insurance to all employees through a regulated marketplace of health maintenance organizations. Republican Senators proposed an alternative that would have required individuals, but not employers, to buy insurance.[127]Ultimately the Clinton plan failed amid an unprecedented barrage of negative advertising funded by politically conservative groups and the health insurance industry and due to concerns that it was overly complex.[129] Clinton negotiated a compromise with the 105th Congress to instead enact the State Children’s Health Insurance Program (SCHIP) in 1997.[130]

John Chafee

The 1993 Republican alternative, introduced by Senator John Chafee as the Health Equity and Access Reform Today Act, contained a “universal coverage” requirement with a penalty for noncompliance—an individual mandate—as well as subsidies to be used in state-based ‘purchasing groups’.[131] Advocates for the 1993 bill included prominent Republicans such as Senators Orrin Hatch, Chuck Grassley, Bob Bennett and Kit Bond.[132][133] Of 1993’s 43 Republican Senators, 20 supported the HEART Act.[125][134] Another Republican proposal, introduced in 1994 by Senator Don Nickles (R-OK), the Consumer Choice Health Security Act, contained an individual mandate with a penalty provision;[135] however, Nickles subsequently removed the mandate from the bill, stating he had decided “that government should not compel people to buy health insurance”.[136] At the time of these proposals, Republicans did not raise constitutional issues with the mandate; Mark Pauly, who helped develop a proposal that included an individual mandate for George H. W. Bush, remarked, “I don’t remember that being raised at all. The way it was viewed by the Congressional Budget Office in 1994 was, effectively, as a tax.”[125]

Mitt Romney’s Massachusetts went from 90% of its residents insured to 98%, the highest rate in the nation.[137]

In 2006, an insurance expansion bill was enacted at the state level in Massachusetts. The bill contained both an individual mandate and an insurance exchange. Republican Governor Mitt Romney vetoed the mandate, but after Democrats overrode his veto, he signed it into law.[138] Romney’s implementation of the ‘Health Connector’ exchange and individual mandate in Massachusetts was at first lauded by Republicans. During Romney’s 2008 presidential campaign, Senator Jim DeMint praised Romney’s ability to “take some good conservative ideas, like private health insurance, and apply them to the need to have everyone insured”. Romney said of the individual mandate: “I’m proud of what we’ve done. If Massachusetts succeeds in implementing it, then that will be the model for the nation.”[139]

In 2007, a year after the Massachusetts reform, Republican Senator Bob Bennett and Democratic Senator Ron Wyden introduced the Healthy Americans Act, which featured an individual mandate and state-based, regulated insurance markets called “State Health Help Agencies”.[128][139] The bill initially attracted bipartisan support, but died in committee. Many of the sponsors and co-sponsors remained in Congress during the 2008 healthcare debate.[140]

By 2008 many Democrats were considering this approach as the basis for healthcare reform. Experts said that the legislation that eventually emerged from Congress in 2009 and 2010 bore similarities to the 2007 bill[131] and that it was deliberately patterned after Romney’s state healthcare plan.[141]

Healthcare debate, 2008–10

Healthcare reform was a major topic during the 2008 Democratic presidential primaries. As the race narrowed, attention focused on the plans presented by the two leading candidates, Hillary Clinton and the eventual nominee, Barack Obama. Each candidate proposed a plan to cover the approximately 45 million Americans estimated to not have health insurance at some point each year. Clinton’s proposal would have required all Americans to obtain coverage (in effect, an individual mandate), while Obama’s proposal provided a subsidy but rejected the use of an individual mandate.[142][143]

During the general election, Obama said that fixing healthcare would be one of his top four priorities as president.[144] Obama and his opponent, Sen. John McCain, proposed health insurance reforms though they differed greatly. Senator John McCain proposed tax credits for health insurance purchased in the individual market, which was estimated to reduce the number of uninsured people by about 2 million by 2018. Obama proposed private and public group insurance, income-based subsidies, consumer protections, and expansions of Medicaid and SCHIP, which was estimated at the time to reduce the number of uninsured people by 33.9 million by 2018.[145]

President Obama addressing Congress regarding healthcare reform, September 9, 2009

After his inauguration, Obama announced to a joint session of Congress in February 2009 his intent to work with Congress to construct a plan for healthcare reform.[146][147] By July, a series of bills were approved by committees within the House of Representatives.[148] On the Senate side, from June to September, the Senate Finance Committee held a series of 31 meetings to develop a healthcare reform bill. This group — in particular, Democrats Max Baucus, Jeff Bingaman and Kent Conrad, along with Republicans Mike Enzi, Chuck Grassley and Olympia Snowe — met for more than 60 hours, and the principles that they discussed, in conjunction with the other committees, became the foundation of the Senate healthcare reform bill.[149][150][151]

Congressional Democrats and health policy experts like MIT economics professor Jonathan Gruber[152] and David Cutler argued that guaranteed issue would require both community rating and an individual mandate to ensure that adverse selection and/or “free riding” would not result in an insurance “death spiral”.[153] This approach was taken because the president and congressional leaders had concluded that more progressive plans, such as the (single-payer)Medicare for All act, could not obtain filibuster-proof support in the Senate. By deliberately drawing on bipartisan ideas — the same basic outline was supported by former Senate majority leaders Howard Baker, Bob Dole, Tom Daschle and George J. Mitchell—the bill’s drafters hoped to garner the votes necessary for passage.[154][155]

However, following the adoption of an individual mandate, Republicans came to oppose the mandate and threatened to filibuster any bills that contained it.[125] Senate minority leader Mitch McConnell, who led the Republican congressional strategy in responding to the bill, calculated that Republicans should not support the bill, and worked to prevent defections:[156]

It was absolutely critical that everybody be together because if the proponents of the bill were able to say it was bipartisan, it tended to convey to the public that this is O.K., they must have figured it out.[157]

Republican Senators, including those who had supported previous bills with a similar mandate, began to describe the mandate as “unconstitutional”. Journalist Ezra Klein wrote in The New Yorker that “a policy that once enjoyed broad support within the Republican Party suddenly faced unified opposition.”[128] Reporter Michael Cooper of The New York Times wrote that: “the provision … requiring all Americans to buy health insurance has its roots in conservative thinking.”[127][134]

Tea Party protesters at the Taxpayer March on Washington, September 12, 2009

The reform negotiations also attracted attention from lobbyists,[158] including deals between certain lobby groups and the advocates of the law to win the support of groups that had opposed past reforms, as in 1993.[159][160] The Sunlight Foundation documented many of the reported ties between “the healthcare lobbyist complex” and politicians in both parties.[161]

During the August 2009 summer congressional recess, many members went back to their districts and held town hall meetings on the proposals. The nascent Tea Party movement organized protests and many conservative groups and individuals attended the meetings to oppose the proposed reforms.[147] Many threats were made against members of Congress over the course of the debate.[162][163]

When Congress returned from recess, in September 2009 President Obama delivered a speech to a joint session of Congress supporting the ongoing Congressional negotiations.[164] He acknowledged the polarization of the debate, and quoted a letter from the late Senator Edward “Ted” Kennedy urging on reform: “what we face is above all a moral issue; that at stake are not just the details of policy, but fundamental principles of social justice and the character of our country.”[165] On November 7, the House of Representatives passed the Affordable Health Care for America Act on a 220–215 vote and forwarded it to the Senate for passage.[147]

Senate

The Senate began work on its own proposals while the House was still working. The United States Constitution requires all revenue-related bills to originate in the House.[166] To formally comply with this requirement, the Senate used H.R. 3590, a bill regarding housing tax changes for service members.[167] It had been passed by the House as a revenue-related modification to the Internal Revenue Code. The bill became the Senate’s vehicle for its healthcare reform proposal, discarding the bill’s original content.[168] The bill ultimately incorporated elements of proposals that were reported favorably by the Senate Health and Finance committees. With the Republican Senate minority vowing to filibuster, 60 votes would be necessary to pass the Senate.[169] At the start of the 111th Congress, Democrats had only 58 votes; the Senate seat in Minnesota ultimately won by Al Franken was still undergoing a recount, while Arlen Specter was still a Republican (he became a Democrat in April, 2009).

Negotiations were undertaken attempting to satisfy moderate Democrats and to bring Republican senators aboard; particular attention was given to Republicans Bennett, Enzi, Grassley and Snowe. On July 7 Franken was sworn into office, providing a potential 60th vote. On August 25 Ted Kennedy—a longtime healthcare reform advocate—died. Paul Kirk was appointed as Senator Kennedy’s temporary replacement on September 24.

After the Finance Committee vote on October 15, negotiations turned to moderate Democrats. Majority leader Harry Reid focused on satisfying centrists. The holdouts came down to Joe Lieberman of Connecticut, an independent who caucused with Democrats, and conservative Nebraska Democrat Ben Nelson. Lieberman’s demand that the bill not include a public option[153][170] was met,[171] although supporters won various concessions, including allowing state-based public options such as Vermont’s Green Mountain Care.[171][172]

Senate vote by state.

  Democratic yes (58)
  Independent yes (2)
  Republican no (39)
 Republican not voting (1)

The White House and Reid addressed Nelson’s concerns[173] during a 13-hour negotiation with two concessions: a compromise on abortion, modifying the language of the bill “to give states the right to prohibit coverage of abortion within their own insurance exchanges”, which would require consumers to pay for the procedure out of pocket if the state so decided; and an amendment to offer a higher rate of Medicaid reimbursement for Nebraska.[147][174] The latter half of the compromise was derisively termed the “Cornhusker Kickback”[175] and was repealed in the subsequent reconciliation amendment bill.

On December 23, the Senate voted 60–39 to end debate on the bill: a cloture vote to end the filibuster. The bill then passed, also 60–39, on December 24, 2009, with all Democrats and two independents voting for it, and all Republicans against (except Jim Bunning, who did not vote).[176] The bill was endorsed by the AMA and AARP.[177]

On January 19, 2010, Massachusetts Republican Scott Brown was elected to the Senate in a special election to replace Kennedy, having campaigned on giving the Republican minority the 41st vote needed to sustain Republican filibusters.[147][178][179] His victory had become significant because of its effects on the legislative process. The first was psychological: the symbolic importance of losing Kennedy’s traditionally Democratic Massachusetts seat made many Congressional Democrats concerned about the political cost of passing a bill.[180][181]

House

House vote by congressional district.

  Democratic yes (219)
  Democratic no (34)
  Republican no (178)
  No representative seated (4)

Brown’s election meant Democrats could no longer break a filibuster in the Senate. In response, White House Chief of StaffRahm Emanuel argued that Democrats should scale back to a less ambitious bill; House SpeakerNancy Pelosi pushed back, dismissing Emanuel’s scaled-down approach as “Kiddie Care”.[182][183]

Obama remained insistent on comprehensive reform. The news that Anthem Blue Cross in California intended to raise premium rates for its patients by as much as 39% gave him new evidence of the need for reform.[182][183] On February 22, he laid out a “Senate-leaning” proposal to consolidate the bills.[184] He held a meeting with both parties’ leaders on February 25. The Democrats decided that the House would pass the Senate’s bill, to avoid another Senate vote.

House Democrats had expected to be able to negotiate changes in a House-Senate conference before passing a final bill. Since any bill that emerged from conference that differed from the Senate bill would have to pass the Senate over another Republican filibuster, most House Democrats agreed to pass the Senate bill on condition that it be amended by a subsequent bill.[181] They drafted the Health Care and Education Reconciliation Act, which could be passed by the reconciliation process.[182][185][186]

As per the Congressional Budget Act of 1974, reconciliation cannot be subject to a filibuster. But reconciliation is limited to budget changes, which is why the procedure was not used to pass ACA in the first place; the bill had inherently non-budgetary regulations.[187][188] Although the already-passed Senate bill could not have been passed by reconciliation, most of House Democrats’ demands were budgetary: “these changes—higher subsidy levels, different kinds of taxes to pay for them, nixing the Nebraska Medicaid deal—mainly involve taxes and spending. In other words, they’re exactly the kinds of policies that are well-suited for reconciliation.”[185]

The remaining obstacle was a pivotal group of pro-life Democrats led by Bart Stupak who were initially reluctant to support the bill. The group found the possibility of federal funding for abortion significant enough to warrant opposition. The Senate bill had not included language that satisfied their concerns, but they could not address abortion in the reconciliation bill as it would be non-budgetary. Instead, Obama issued Executive Order 13535, reaffirming the principles in the Hyde Amendment.[189] This won the support of Stupak and members of his group and assured the bill’s passage.[186][190] The House passed the Senate bill with a 219–212 vote on March 21, 2010, with 34 Democrats and all 178 Republicans voting against it.[191] The next day, Republicans introduced legislation to repeal the bill.[192] Obama signed ACA into law on March 23, 2010.[193] Since passage, Republicans have voted to repeal all or parts of the Affordable Care Act over sixty times; no such attempt by Republicans has been successful.[194] The amendment bill, The Health Care and Education Reconciliation Act, cleared the House on March 21; the Senate passed it by reconciliation on March 25, and Obama signed it on March 30.

Impact

Coverage rate, employer market cost trends, budgetary impact, and income inequality aspects of the Affordable Care Act.

This chart illustrates several aspects of the Affordable Care Act, including number of persons covered, cost before and after subsidies, and public opinion.

Coverage

The law has caused a significant reduction in the number and percentage of people without health insurance. The CDC reported that the percentage of people without health insurance fell from 16.0% in 2010 to 8.9% during the January–June 2016 period.[195] From Q4-2013 to Q1-2016, a Gallup survey found that the uninsured rate among adults declined from 17.1% to 11.0%, a decline of 6.1 percentage points.[196] In a 2016 review, Obama presented data showing that the uninsured rate had declined by 43%, from 16.0% in 2010 to 9.1% in 2015, mostly in 2014.[197] The uninsured rate dropped in every congressional district in the U.S. between 2013 and 2015.[198]

In March 2016, the CBO reported that there were approximately 27 million people without insurance in 2016, a figure they expected would range from 26-28 million through 2026. CBO also estimated the percentage of insured among all U.S. residents would remain at 90% through that period, 92-93% excluding unauthorized immigrants.[4]

Those states that expanded Medicaid had a 7.3% uninsured rate on average in the first quarter of 2016, while those that did not expand Medicaid had a 14.1% uninsured rate, among adults aged 18 to 64.[199] As of December 2016 there were 32 states (including Washington DC) that had adopted the Medicaid extension, while 19 states had not.[200]

The Congressional Budget Office reported in March 2016 that there were approximately 12 million people covered by the exchanges (10 million of whom received subsidies to help pay for insurance) and 11 million made eligible for Medicaid by the law, a subtotal of 23 million people. An additional 1 million were covered by the ACA’s “Basic Health Program,” for a total of 24 million.[4] CBO also estimated that the ACA would reduce the net number of uninsured by 22 million in 2016, using a slightly different computation for the above figures totaling ACA coverage of 26 million, less 4 million for reductions in “employment-based coverage” and “non-group and other coverage.”[4] The Department of Health and Human Services (HHS) estimated that 20.0 million adults (aged 18–64) gained healthcare coverage via ACA as of February 2016, a 2.4 million increase over September 2015. HHS estimated that this 20.0 million included: a) 17.7 million from the start of open enrollment in 2013-2016; and b) 2.3 million young adults aged 19–25 who initially gained insurance from 2010-2013, as they were allowed to remain on their parent’s plans until age 26. Of the 20.0 million, an estimated 6.1 million were aged 19–25.[5]

By 2017, nearly 70% of those on the exchanges could purchase insurance for less than $75/month after subsidies, which rose to offset significant pre-subsidy price increases in the exchange markets.[201] Healthcare premium cost increases in the employer market continued to moderate. For example, healthcare premiums for those covered by employers rose by 69% from 2000-2005, but only 27% from 2010 to 2015,[6] with only a 3% increase from 2015 to 2016.[202]

The ACA also helps reduce income inequality measured after taxes, due to higher taxes on the top 5% of income earners and both subsidies and Medicaid expansion for lower-income persons.[203] CBO estimated that subsidies paid under the law in 2016 averaged $4,240 per person for 10 million individuals receiving them, roughly $42 billion. For scale, the subsidy for the employer market, in the form of exempting from taxation those health insurance premiums paid on behalf of employees by employers, was approximately $1,700 per person in 2016, or $266 billion total in the employer market. The employer market subsidy was not changed by the law.[4]

Insurance exchanges

As of August 2016, 15 states operated their own exchanges. Other states either used the federal exchange, or operated in partnership with or supported by the federal government.[204]

Medicaid expansion

Medicaid expansion by state.[205]

  Adopted the Medicaid expansion
  Medicaid expansion under discussion
  Not adopting Medicaid expansion

As of December 2016 there were 32 states (including Washington DC) that had adopted the Medicaid extension, while 19 states had not.[200] Those states that expanded Medicaid had a 7.3% uninsured rate on average in the first quarter of 2016, while those that did not expand Medicaid had a 14.1% uninsured rate, among adults aged 18 to 64.[199] Following the Supreme Court ruling in 2012, which held that states would not lose Medicaid funding if they didn’t expand Medicaid under the ACA, several states rejected expanded Medicaid coverage. Over half of the national uninsured population lived in those states.[206] In a report to Congress, the Centers for Medicare and Medicaid Services (CMS) estimated that the cost of expansion was $6,366 per person for 2015, about 49 percent above previous estimates. An estimated 9 million to 10 million people had gained Medicaid coverage, mostly low-income adults.[207] The Kaiser Family Foundation estimated in October 2015 that 3.1 million additional people were not covered because of states that rejected the Medicaid expansion.[208]

States that rejected the Medicaid expansion could maintain their Medicaid eligibility thresholds, which in many states were significantly below 133% of the poverty line.[209]Many states did not make Medicaid available to childless adults at any income level.[210] Because subsidies on exchange insurance plans were not available to those below the poverty line, such individuals had no new options.[211][212] For example, in Kansas, where only able-bodied adults with children and with an income below 32% of the poverty line were eligible for Medicaid, those with incomes from 32% to 100% of the poverty level ($6,250 to $19,530 for a family of three) were ineligible for both Medicaid and federal subsidies to buy insurance. Absent children, able-bodied adults were not eligible for Medicaid in Kansas.[206]

Studies of the impact of state decisions to reject the Medicaid expansion calculated that up to 6.4 million people could fall into this status.[213] The federal government initially paid for 100% of the expansion (through 2016). The subsidy tapered to 90% by 2020 and continued to shrink thereafter.[214] Several states argued that they could not afford their 10% contribution.[214][215] Studies suggested that rejecting the expansion would cost more than expanding Medicaid due to increased spending on uncompensated emergency care that otherwise would have been partially paid for by Medicaid coverage,[216]

A 2016 study led by Harvard University health economics professor Benjamin Sommers found that residents of Kentucky and Arkansas, which both accepted the Medicaid expansion, were more likely to receive health care services and less likely to incur emergency room costs or have trouble paying their medical bills than before the expansion. Residents of Texas, which did not accept the Medicaid expansion, did not see a similar improvement during the same period.[217] Kentucky opted for increased managed care, while Arkansas subsidized private insurance. The new Arkansas and Kentucky governors have proposed reducing or modifying their programs. Between 2013 and 2015, the uninsured rate dropped from 42% to 14% in Arkansas and from 40% to 9% in Kentucky, compared with 39% to 32% in Texas. Specific improvements included additional primary and preventive care, fewer emergency departments visits, reported higher quality care, improved health, improved drug affordability, reduced out-of-pocket spending and increased outpatient visits, increased diabetes screening, glucose testing among diabetes patients and regular care for chronic conditions.[218]

A 2016 DHHS study found that states that expanded Medicaid had lower premiums on exchange policies, because they had fewer low-income enrollees, whose health on is worse than that of those with higher income.[219]

Healthcare insurance costs

U.S. healthcare cost information, including rate of change, per-capita, and percent of GDP. (Data source: Centers for Medicare and Medicaid Services[220])

The law is designed to pay subsidies in the form of tax credits to the individuals or families purchasing the insurance, based on income levels. Higher income consumers receive lower subsidies. While pre-subsidy prices rose considerably from 2016 to 2017, so did the subsidies, to reduce the after-subsidy cost to the consumer. For example, a study published in 2016 found that the average requested 2017 premium increase among 40-year-old non-smokers was about 9 percent, according to an analysis of 17 cities, although Blue Cross Blue Shield proposed increases of 40 percent in Alabama and 60 percent in Texas.[221] However, some or all of these costs are offset by subsidies, paid as tax credits. For example, the Kaiser Foundation reported that for the second-lowest cost “Silver plan” (a plan often selected and used as the benchmark for determining financial assistance), a 40-year old non-smoker making $30,000 per year would pay effectively the same amount in 2017 as they did in 2016 (about $208/month) after the subsidy/tax credit, despite large increases in the pre-subsidy price. This was consistent nationally. In other words, the subsidies increased along with the pre-subsidy price, fully offsetting the price increases.[222]

Healthcare premium cost increases in the employer market continued to moderate after the implementation of the law. For example, healthcare premiums for those covered by employers rose by 69% from 2000-2005, but only 27% from 2010 to 2015,[6] with only a 3% increase from 2015 to 2016.[202] From 2008-2010 (prior to Obamacare) health insurance premiums rose by an average of 10% per year.[223]

Several studies found that the financial crisis and accompanying recession could not account for the entirety of the slowdown and that structural changes likely share at least partial credit.[224][225][226][227] A 2013 study estimated that changes to the health system had been responsible for about a quarter of the recent reduction in inflation.[228] Paul Krawzak claimed that even if cost controls succeed in reducing the amount spent on healthcare, such efforts on their own may be insufficient to outweigh the long-term burden placed by demographic changes, particularly the growth of the population on Medicare.[229]

In a 2016 review of the ACA published in JAMA, Barack Obama himself wrote that from 2010 through 2014 mean annual growth in real per-enrollee Medicare spending was negative, down from a mean of 4.7% per year from 2000 through 2005 and 2.4% per year from 2006 to 2010; similarly, mean real per-enrollee growth in private insurance spending was 1.1% per year over the period, compared with a mean of 6.5% from 2000 through 2005 and 3.4% from 2005 to 2010.[230]

Effect on deductibles and co-payments

While health insurance premium costs have moderated, some of this is because of insurance policies that have a higher deductible, co-payments and out-of-pocket maximums that shift costs from insurers to patients. In addition, many employees are choosing to combine a health savings account with higher deductible plans, making the impact of the ACA difficult to determine precisely.

For those who obtain their insurance through their employer (“group market”), a 2016 survey found that:

  • Deductibles grew by 63% from 2011 to 2016, while premiums increased 19% and worker earnings grew by 11%.
  • In 2016, 4 in 5 workers had an insurance deductible, which averaged $1,478. For firms with less than 200 employees, the deductible averaged $2,069.
  • The percentage of workers with a deductible of at least $1,000 grew from 10% in 2006 to 51% in 2016. The 2016 figure drops to 38% after taking employer contributions into account.[231]

For the “non-group” market, of which two-thirds are covered by the ACA exchanges, a survey of 2015 data found that:

  • 49% had individual deductibles of at least $1,500 ($3,000 for family), up from 36% in 2014.
  • Many marketplace enrollees qualify for cost-sharing subsidies that reduce their net deductible.
  • While about 75% of enrollees were “very satisfied” or “somewhat satisfied” with their choice of doctors and hospitals, only 50% had such satisfaction with their annual deductible.
  • While 52% of those covered by the ACA exchanges felt “well protected” by their insurance, in the group market 63% felt that way.[232]

Health outcomes

Insurance coverage helps save lives, by encouraging early detection and prevention of dangerous medical conditions. According to a 2014 study, the ACA likely prevented an estimated 50,000 preventable patient deaths from 2010 to 2013.[233]City University public health professors David Himmelstein and Steffie Woolhandler wrote in January 2017 that a rollback of the ACA’s Medicaid expansion alone would cause an estimated 43,956 deaths annually.[234]

Federal deficit

CBO estimates of revenue and impact on deficit

The CBO reported in several studies that the ACA would reduce the deficit, and that repealing it would increase the deficit.[7][8][235][236] The 2011 comprehensive CBO estimate projected a net deficit reduction of more than $200 billion during the 2012–2021 period:[8][237] it calculated the law would result in $604 billion in total outlays offset by $813 billion in total receipts, resulting in a $210 billion net deficit reduction.[8] The CBO separately predicted that while most of the spending provisions do not begin until 2014,[238][239] revenue would exceed spending in those subsequent years.[240] The CBO claimed that the bill would “substantially reduce the growth of Medicare’s payment rates for most services; impose an excise tax on insurance plans with relatively high premiums; and make various other changes to the federal tax code, Medicare, Medicaid, and other programs”[241]—ultimately extending the solvency of the Medicare trust fund by 8 years.[242]

This estimate was made prior to the Supreme Court’s ruling that enabled states to opt out of the Medicaid expansion, thereby forgoing the related federal funding. The CBO and JCT subsequently updated the budget projection, estimating the impact of the ruling would reduce the cost estimate of the insurance coverage provisions by $84 billion.[243][244][245]

The CBO in June 2015 forecasted that repeal of ACA would increase the deficit between $137 billion and $353 billion over the 2016–2025 period, depending on the impact of macroeconomic feedback effects. The CBO also forecasted that repeal of ACA would likely cause an increase in GDP by an average of 0.7% in the period from 2021 to 2015, mainly by boosting the supply of labor.[7]

Major new sources of increased tax receipts include:[95] higher Medicare taxes; annual fees on insurance providers; fees on the healthcare industry such as manufacturers and importers of brand-name pharmaceutical drugs and certain medical devices; limits on tax deductions of medical expenses and flexible spending accounts; a 40% excise tax on plans with annual insurance premiums in excess of $10,200 for an individual or $27,500 for a family; revenue from mandate penalty payments; a 10% federal sales tax on indoor tanning services. Predicted spending reductions included a reduction in Medicare reimbursements to insurers and drug companies for private Medicare Advantage policies that the Government Accountability Office and Medicare Payment Advisory Commission found to be excessively costly relative to government Medicare;[246][247] and reductions in Medicare reimbursements to hospitals that failed standards of efficiency and care.[246]

Although the CBO generally does not provide cost estimates beyond the 10-year budget projection period because of the degree of uncertainty involved in the projection, it decided to do so in this case at the request of lawmakers, and estimated a second decade deficit reduction of $1.2 trillion.[241][248] CBO predicted deficit reduction around a broad range of one-half percent of GDP over the 2020s while cautioning that “a wide range of changes could occur”.[249]

Opinions on CBO projections

The CBO cost estimates were criticized because they excluded the effects of potential legislation that would increase Medicare payments by more than $200 billion from 2010 to 2019.[250][251][252] However, the so-called “doc fix” is a separate issue that would have existed whether or not ACA became law – omitting its cost from ACA was no different from omitting the cost of other tax cuts.[253][254][255]

Uwe Reinhardt, a Princeton health economist, wrote. “The rigid, artificial rules under which the Congressional Budget Office must score proposed legislation unfortunately cannot produce the best unbiased forecasts of the likely fiscal impact of any legislation”, but went on to say “But even if the budget office errs significantly in its conclusion that the bill would actually help reduce the future federal deficit, I doubt that the financing of this bill will be anywhere near as fiscally irresponsible as was the financing of the Medicare Modernization Act of 2003.”[256]Douglas Holtz-Eakin, CBO director during the George W. Bush administration, who later served as the chief economic policy adviser to U.S. Senator John McCain‘s 2008 presidential campaign, alleged that the bill would increase the deficit by $562 billion because, he argued, it front-loaded revenue and back-loaded benefits.[257]

Scheiber and Cohn rejected critical assessments of the law’s deficit impact, arguing that predictions were biased towards underestimating deficit reduction. They noted that for example, it is easier to account for the cost of definite levels of subsidies to specified numbers of people than account for savings from preventive healthcare, and that the CBO had a track record of overestimating costs and underestimating savings of health legislation;[258][259] stating, “innovations in the delivery of medical care, like greater use of electronic medical records[260] and financial incentives for more coordination of care among doctors, would produce substantial savings while also slowing the relentless climb of medical expenses… But the CBO would not consider such savings in its calculations, because the innovations hadn’t really been tried on such large scale or in concert with one another—and that meant there wasn’t much hard data to prove the savings would materialize.”[258]

In 2010 David Walker, former U.S. Comptroller General then working for The Peter G. Peterson Foundation, stated that the CBO estimates are not likely to be accurate, because they were based on the assumption that the law would not change.[261] The Center on Budget and Policy Priorities objected that Congress had a good record of implementing Medicare savings. According to their study, Congress followed through on the implementation of the vast majority of provisions enacted in the past 20 years to produce Medicare savings, although not the payment reductions addressed by the annual “doc fix”.[262][263]

Economic consequences

CBO estimated in June 2015 that repealing the ACA would:

  • Decrease aggregate demand (GDP) in the short-term, as low-income persons who tend to spend a large fraction of their additional resources would have fewer resources (e.g., ACA subsidies would be eliminated). This effect would be offset in the long-run by the labor supply factors below.
  • Increase the supply of labor and aggregate compensation by about 0.8 and 0.9 percent over the 2021-2025 period. CBO cited the ACA’s expanded eligibility for Medicaid and subsidies and tax credits that rise with income as disincentives to work, so repealing the ACA would remove those disincentives, encouraging workers to supply more hours of labor.
  • Increase the total number of hours worked by about 1.5% over the 2021-2025 period.
  • Remove the higher tax rates on capital income, thereby encouraging additional investment, raising the capital stock and output in the long-run.[7]

In 2015 the Center for Economic and Policy Research found no evidence that companies were reducing worker hours to avoid ACA requirements[264] for employees working over 30 hours per week.[265]

The CBO estimated that the ACA would slightly reduce the size of the labor force and number of hours worked, as some would no longer be tethered to employers for their insurance. Cohn, citing CBO’s projections, claimed that ACA’s primary employment effect was to alleviate job lock: “People who are only working because they desperately need employer-sponsored health insurance will no longer do so.”[266] He concluded that the “reform’s only significant employment impact was a reduction in the labor force, primarily because people holding onto jobs just to keep insurance could finally retire”, because they have health insurance outside of their jobs.[267]

Employer mandate and part-time work

For more details on health insurance mandates, see Health insurance mandate.

The employer mandate requires employers meeting certain criteria to provide health insurance to their workers. The mandate applies to employers with more than 50 employees that do not offer health insurance to their full-time workers.[268] Critics claimed that the mandate created a perverse incentive for business to keep their full-time headcount below 50 and to hire part-time workers instead.[269][270] Between March 2010 and 2014 the number of part-time jobs declined by 230,000, while the number of full-time jobs increased by 2 million.[271][272] In the public sector full-time jobs turned into part-time jobs much more than in the private sector.[271][273] A 2016 study found only limited evidence that ACA had increased part-time employment.[274]

Several businesses and the state of Virginia added a 29-hour-a-week cap for their part-time employees,[275][unreliable source?][276][unreliable source?] to reflect the 30-hour-or-more definition for full-time worker.[268] As of yet, however, only a small percent of companies have shifted their workforce towards more part-time hours (4% in a survey from the Federal Reserve Bank of Minneapolis).[270] Trends in working hours[277] and the effects of the Great Recession correlate with part-time working hour patterns.[278][279] The impact of this provision may have been offset by other factors, including that health insurance helps attract and retain employees, increases productivity and reduces absenteeism; and the lower training and administration costs of a smaller full-time workforce over a larger part-time work force.[270][277][280] Relatively few firms employ over 50 employees[270] and more than 90% of them offered insurance.[281] Workers without employer insurance could purchase insurance on the exchanges.[282]

Most policy analysts (on both right and left) were critical of the employer mandate provision.[269][281] They argued that the perverse incentives regarding part-time hours, even if they did not change existing plans, were real and harmful;[283][284] that the raised marginal cost of the 50th worker for businesses could limit companies’ growth;[285] that the costs of reporting and administration were not worth the costs of maintaining employer plans;[283][284] and noted that the employer mandate was not essential to maintain adequate risk pools.[286][287] The effects of the provision generated vocal opposition from business interests and some unions not granted exemptions.[284][288]

A 2013/4 survey by the National Association for Business Economics found that about 75 percent of those surveyed said ACA hadn’t influenced their planning or expectations for 2014, and 85 percent said the law wouldn’t prompt a change in their hiring practices. Some 21 percent of 64 businesses surveyed said that the act would have a harmful effect and 5 percent said it would be beneficial.[289]

Hospitals

From the start of 2010 to November 2014, 43 hospitals in rural areas closed. Critics claimed that the new law caused these hospitals to close. Many of these rural hospitals were built using funds from the 1946 Hill–Burton Act, to increase access to medical care in rural areas. Some of these hospitals reopened as other medical facilities, but only a small number operated emergency rooms (ER) or urgent care centers.[290]

Between January 2010 and 2015, a quarter of emergency room doctors said they had seen a major surge in patients, while nearly half had seen a smaller increase. Seven in ten ER doctors claimed that they lacked the resources to deal with large increases in the number of patients. The biggest factor in the increased number of ER patients was insufficient primary care providers to handle the larger number of insured patients.[291]

Insurers claimed that because they have access to and collect patient data that allow evaluations of interventions, they are essential to ACO success. Large insurers formed their own ACOs. Many hospitals merged and purchased physician practices. The increased market share gave them more leverage in negotiations with insurers over costs and reduced patient care options.[115]

Public opinion

Prior to the law’s passage, polling indicated the public’s views became increasingly negative in reaction to specific plans discussed during the legislative debate over 2009 and 2010. Polling statistics showed a general negative opinion of the law; with those in favor at approximately 40% and those against at 51%, as of October 2013.[292][293] About 29% of whites approve of the law, compared with 61% of Hispanics and 91% of African Americans.[294]Opinions were divided by age of the person at the law’s inception, with a solid majority of seniors opposing the bill and a solid majority of those younger than forty years old in favor.[295]

Congressional Democrats celebrating the 6th anniversary of the Affordable Care Act in March 2016 on the steps of the U.S. Capitol.

Congressional Democrats celebrating the 6th anniversary of the Affordable Care Act in March 2016 on the steps of the U.S. Capitol.

Specific elements were popular across the political spectrum, while others, such as the mandate to purchase insurance, were widely disliked. In a 2012 poll 44% supported the law, with 56% against. By party affiliation, 75% of Democrats, 27% of Independents and 14% of Republicans favored the law overall. 82% favored banning insurance companies from denying coverage to people with pre-existing conditions, 61% favored allowing children to stay on their parents’ insurance until age 26, 72% supported requiring companies with more than 50 employees to provide insurance for their employees, and 39% supported the individual mandate to own insurance or pay a penalty. By party affiliation, 19% of Republicans, 27% of Independents, and 59% of Democrats favored the mandate.[296] Other polls showed additional provisions receiving majority support, including the creation of insurance exchanges, pooling small businesses and the uninsured with other consumers so that more people can take advantage of large group pricing benefits and providing subsidies to individuals and families to make health insurance more affordable.[297][298]

In a 2010 poll, 62% of respondents said they thought ACA would “increase the amount of money they personally spend on health care”, 56% said the bill “gives the government too much involvement in health care”, and 19% said they thought they and their families would be better off with the legislation.[299] Other polls found that people were concerned that the law would cost more than projected and would not do enough to control costs.[300]

Some opponents believed that the reform did not go far enough: a 2012 poll indicated that 71% of Republican opponents rejected it overall, while 29% believed it did not go far enough; independent opponents were divided 67% to 33%; and among the much smaller group of Democratic opponents, 49% rejected it overall and 51% wanted more.[296] In June 2013, a majority of the public (52–34%) indicated a desire for “Congress to implement or tinker with the law rather than repeal it”.[301] After the Supreme Court upheld the individual mandate, a 2012 poll held that “most Americans (56%) want to see critics of President Obama’s health care law drop efforts to block it and move on to other national issues”.[302]A 2014 poll reported that 48.9% of respondents had an unfavorable view of ACA vs. 38.3% who had a favorable view (of more than 5,500 individuals).[303]

A 2014 poll reported that 26% of Americans support ACA.[304] Another held that 8% of respondents say that the Affordable Care Act “is working well the way it is”.[305] In late 2014, a Rasmussen poll reported Repeal: 30%, Leave as is: 13%, Improve: 52%, i.e., 65% wanted to leave ACA alone or improve upon it.[306]

In 2015, a CBS News / New York Times poll reported that 47% of Americans approved the health care law. This was the first time that a major poll indicated that more respondents approved ACA than disapproved of it.[307] The recurring Kaiser Health Tracking Poll from December 2016 reported that: a) 30% wanted to expand what the law does; b) 26% wanted to repeal the entire law; c) 19% wanted to move forward with implementing the law as it is; and d) 17% wanted to scale back what the law does, with the remainder undecided.[308]

Separate polls from Fox News and NBC/WSJ both taken during January 2017 indicated more people viewed the law favorably than did not for the first time. One of the reasons for the improving popularity of the law is that Democrats who opposed it in the past (many prefer a “Medicare for All” approach) have shifted their positions since the ACA is under threat of repeal.[309]

A January 2017 Morning Consult poll showed that 35% of respondents either believed that Obamacare and the Affordable Care Act were different or did not know.[310] Approximately 45% were unsure whether the repeal of Obamacare also meant the repeal of the Affordable Care Act.[310] 39% did not know that “many people would lose coverage through Medicaid or subsidies for private health insurance if the A.C.A. were repealed and no replacement enacted,” with Democrats far more likely (79%) to know that fact than Republicans (47%).[310]

A 2017 study found that personal experience with public health insurance programs leads to greater support for the Affordable Care Act, and the effects appear to be most pronounced among Republicans and low-information voters.[311]

Political aspects

“Obamacare”

The term “Obamacare” was originally coined by opponents as a pejorative. The term emerged in March 2007 when healthcare lobbyist Jeanne Schulte Scott used it in a health industry journal, writing “We will soon see a ‘Giuliani-care’ and ‘Obama-care’ to go along with ‘McCain-care’, ‘Edwards-care’, and a totally revamped and remodeled ‘Hillary-care‘ from the 1990s”.[9][312] According to research by Elspeth Reeve, the expression was used in early 2007, generally by writers describing the candidate’s proposal for expanding coverage for the uninsured.[313] It first appeared in a political campaign by Mitt Romney in May 2007 in Des Moines, Iowa. Romney said, “In my state, I worked on healthcare for some time. We had half a million people without insurance, and I said, ‘How can we get those people insured without raising taxes and without having government take over healthcare?’ And let me tell you, if we don’t do it, the Democrats will. If the Democrats do it, it will be socialized medicine; it’ll be government-managed care. It’ll be what’s known as Hillarycare or Barack Obamacare, or whatever you want to call it.”[9]

By mid-2012, Obamacare had become the colloquial term used by both supporters and opponents. In contrast, the use of “Patient Protection and Affordable Care Act” or “Affordable Care Act” became limited to more formal and official use.[313] Use of the term in a positive sense was suggested by Democrat John Conyers.[314] Obama endorsed the nickname, saying, “I have no problem with people saying Obama cares. I do care.”[315]

In March 2012, the Obama reelection campaign embraced the term “Obamacare”, urging Obama’s supporters to post Twitter messages that begin, “I like #Obamacare because…”.[316]

In October 2013 the Associated Press and NPR began cutting back on use of the term.[317] Stuart Seidel, NPR’s managing editor, said that the term “seems to be straddling somewhere between being a politically-charged term and an accepted part of the vernacular”.[318]

Common misconceptions

“Death panels”

Main article: Death panel

On August 7, 2009, Sarah Palin pioneered the term “death panels” to describe groups that would decide whether sick patients were “worthy” of medical care.[319] “Death panel” referred to two claims about early drafts.

One was that under the law, seniors could be denied care due to their age[320] and the other that the government would advise seniors to end their lives instead of receiving care. The ostensible basis of these claims was the provision for an Independent Payment Advisory Board (IPAB).[321] IPAB was given the authority to recommend cost-saving changes to Medicare by facilitating the adoption of cost-effective treatments and cost-recovering measures when the statutory levels set for Medicare were exceeded within any given 3-year period. In fact, the Board was prohibited from recommending changes that would reduce payments to certain providers before 2020, and was prohibited from recommending changes in premiums, benefits, eligibility and taxes, or other changes that would result in rationing.[322][323]

The other related issue concerned advance-care planning consultation: a section of the House reform proposal would have reimbursed physicians for providing patient-requested consultations for Medicare recipients on end-of-life health planning (which is covered by many private plans), enabling patients to specify, on request, the kind of care they wished to receive.[324] The provision was not included in ACA.[325]

In 2010, the Pew Research Center reported that 85% of Americans were familiar with the claim, and 30% believed it was true, backed by three contemporaneous polls.[326] A poll in August 2012 found that 39% of Americans believed the claim.[327] The allegation was named PolitiFact‘s “Lie of the Year”,[319][328] one of FactCheck.org‘s “whoppers”[329][330] and the most outrageous term by the American Dialect Society.[331]AARP described such rumors as “rife with gross—and even cruel—distortions”.[332]

Members of Congress

ACA requires members of Congress and their staffs to obtain health insurance either through an exchange or some other program approved by the law (such as Medicare), instead of using the insurance offered to federal employees (the Federal Employees Health Benefits Program).[333][334][335][336][337]

Illegal immigrants

ACA does not provide benefits to illegal immigrants.[338] It explicitly denies insurance subsidies to “unauthorized (illegal) aliens”.[25][26][339]

Exchange “death spiral”

One argument against the ACA is that the insurers are leaving the marketplaces, as they cannot profitably cover the available pool of customers, which contains too many unhealthy participants relative to healthy participants. A scenario where prices rise, due to an unfavorable mix of customers from the insurer’s perspective, resulting in fewer customers and fewer insurers in the marketplace, further raising prices, has been called a “Death Spiral.”[340]During 2017, the median number of insurers offering plans on the ACA exchanges in each state was 3.0, meaning half the states had more and half had fewer insurers. There were five states with one insurer in 2017; 13 states with two; 11 states with three; and the remainder had four insurers or more. Wisconsin had the most, with 15 insurers in the marketplace. The median number of insurers was 4.0 in 2016, 5.0 in 2015, and 4.0 in 2014.[341]

Further, the CBO reported in January 2017 that it expected enrollment in the exchanges to rise from 10 million during 2017 to 13 million by 2027, assuming laws in place at the end of the Obama administration were continued.[342] Following a 2015 CBO report that reached a similar conclusion, Paul Krugman wrote: “But the truth is that this report is much, much closer to what supporters of reform have said than it is to the scare stories of the critics–no death spirals, no job-killing, major gains in coverage at relatively low cost.”[343]

Opposition

Opposition and efforts to repeal the legislation have drawn support from sources that include labor unions,[344][345]conservative advocacy groups,[346][347] Republicans, small business organizations and the Tea Party movement.[348] These groups claimed that the law would disrupt existing health plans, increase costs from new insurance standards, and increase the deficit.[349] Some opposed the idea of universal healthcare, viewing insurance as similar to other unsubsidized goods.[350][351] President Donald Trump has repeatedly promised to “repeal and replace” it.[352][353]

As of 2013 unions that expressed concerns about ACA included the AFL-CIO,[354] which called ACA “highly disruptive” to union health care plans, claiming it would drive up costs of union-sponsored plans; the International Brotherhood of Teamsters, United Food and Commercial Workers International Union, and UNITE-HERE, whose leaders sent a letter to Reid and Pelosi arguing, ” ACA will shatter not only our hard-earned health benefits, but destroy the foundation of the 40-hour work week that is the backbone of the American middle class.”[345] In January 2014, Terry O’Sullivan, president of the Laborers’ International Union of North America (LIUNA) and D. Taylor, president of Unite Here sent a letter to Reid and Pelosi stating, “ACA, as implemented, undermines fair marketplace competition in the health care industry.”[344]

In October 2016, Mark Dayton, the governor of Minnesota and a member of the Minnesota Democratic–Farmer–Labor Party, said that the ACA had “many good features” but that it was “no longer affordable for increasing numbers of people” and called on the Minnesota legislature to provide emergency relief to policyholders.[355] Dayton later said he regretted his remarks after they were seized on by Republicans seeking to repeal the law.[356]

Legal challenges

National Federation of Independent Business v. Sebelius

Opponents challenged ACA’s constitutionality in multiple lawsuits on multiple grounds.[357][358][not in citation given] In National Federation of Independent Business v. Sebelius, the Supreme Court ruled on a 5–4 vote that the individual mandate was constitutional when viewed as a tax, although not under the Commerce Clause.

The Court further determined that states could not be forced to participate in the Medicaid expansion. ACA withheld all Medicaid funding from states declining to participate in the expansion. The Court ruled that this withdrawal of funding was unconstitutionally coercive and that individual states had the right to opt out without losing preexisting Medicaid funding.[359]

Contraception mandate

In March 2012 the Roman Catholic Church, while supportive of ACA’s objectives, voiced concern through the United States Conference of Catholic Bishops that aspects of the mandate covering contraception and sterilization and HHS‘s narrow definition of a religious organization violated the First Amendment right to free exercise of religion and conscience. Various lawsuits addressed these concerns.[360][361]

On June 25, 2015, the U.S. Supreme Court ruled 6–3 that federal subsidies for health insurance premiums could be used in the 34 states that did not set up their own insurance exchanges.[362]

House v. Burwell

In United States House of Representatives v. Burwell the House sued the administration alleging that the money for premium subsidy payments to insurers had not been appropriated, as required for any federal government spending. The Obamacare subsidy that helps customers pay premiums was not part of the suit. Without the cost-sharing subsidies, the government estimated that premiums would increase by 20 percent to 30 percent for silver plans.[363]

Non-cooperation

Officials in Texas, Florida, Alabama, Wyoming, Arizona, Oklahoma and Missouri opposed those elements of ACA over which they had discretion.[364][365] For example, Missouri declined to expand Medicaid or establish a health insurance marketplace engaging in active non-cooperation, enacting a statute forbidding any state or local official to render any aid not specifically required by federal law.[366] Other Republican politicians discouraged efforts to advertise the benefits of the law. Some conservative political groups launched ad campaigns to discourage enrollment.[367][368]

Repeal efforts

ACA was the subject of unsuccessful repeal efforts by Republicans in the 111th, 112th, and 113th Congresses: Representatives Steve King (R-IA) and Michele Bachmann (R-MN) introduced bills in the House to repeal ACA the day after it was signed, as did Senator Jim DeMint (R-SC) in the Senate.[369] In 2011, after Republicans gained control of the House of Representatives, one of the first votes held was on a bill titled “Repealing the Job-Killing Health Care Law Act” (H.R. 2), which the House passed 245–189.[370] All Republicans and 3 Democrats voted for repeal.[371] House Democrats proposed an amendment that repeal not take effect until a majority of the Senators and Representatives had opted out of the Federal Employees Health Benefits Program; Republicans voted down the measure.[372] In the Senate, the bill was offered as an amendment to an unrelated bill, but was voted down.[373] President Obama had stated that he would have vetoed the bill even if it had passed both chambers of Congress.[374]

2017 House Budget

Following the 2012 Supreme Court ruling upholding ACA as constitutional, Republicans held another vote to repeal the law on July 11;[375] the House of Representatives voted with all 244 Republicans and 5 Democrats in favor of repeal, which marked the 33rd, partial or whole, repeal attempt.[376][377] On February 3, 2015, the House of Representatives added its 67th repeal vote to the record (239 to 186). This attempt also failed.[378]

2013 federal government shutdown

Strong partisan disagreement in Congress prevented adjustments to the Act’s provisions.[379] However, at least one change, a proposed repeal of a tax on medical devices, has received bipartisan support.[380] Some Congressional Republicans argued against improvements to the law on the grounds they would weaken the arguments for repeal.[284][381]

Republicans attempted to defund its implementation,[365][382] and in October 2013, House Republicans refused to fund the federal government unless accompanied with a delay in ACA implementation, after the President unilaterally deferred the employer mandate by one year, which critics claimed he had no power to do. The House passed three versions of a bill funding the government while submitting various versions that would repeal or delay ACA, with the last version delaying enforcement of the individual mandate. The Democratic Senate leadership stated the Senate would only pass a “clean” funding bill without any restrictions on ACA. The government shutdown began on October 1.[383][384][385] Senate Republicans threatened to block appointments to relevant agencies, such as the Independent Payment Advisory Board[386] and Centers for Medicare and Medicaid Services.[387][388]

2017 repeal effort

During a midnight congressional session starting January 11, 2017, the Senate of the 115th Congress of the United States voted to approve a “budget blueprint” which would allow Republicans to repeal parts of the law “without threat of a Democraticfilibuster.”[389][390] The plan, which passed 51-48 is a budget blueprint named by Senate Republicans the “Obamacare ‘repeal resolution.'”[391] Democrats opposing the resolution staged a protest during the vote.[392]

House Republicans announced their replacement for the ACA, the American Health Care Act, on March 6, 2017.[393] On March 24, 2017 the effort, led by Paul Ryan and Donald Trump, to repeal and replace the ACA failed amid a revolt among Republican representatives.[394]

Implementation history

Once the law was signed, provisions began taking effect, in a process that continued for years. Some provisions never took effect, while others were deferred for various periods.

Existing individual health plans

Plans purchased after the date of enactment, March 23, 2010, or old plans that changed in specified ways would eventually have to be replaced by ACA-compliant plans.[citation needed]

At various times during and after the ACA debate, Obama stated that “if you like your health care plan, you’ll be able to keep your health care plan”.[395][396] However, in fall 2013 millions of Americans with individual policies received notices that their insurance plans were terminated,[397] and several million more risked seeing their current plans cancelled.[398][399][400]

Obama’s previous unambiguous assurance that consumers’ could keep their own plans became a focal point for critics, who challenged his truthfulness.[401][402] On November 7, 2013, President Obama stated: “I am sorry that [people losing their plans] are finding themselves in this situation based on assurances they got from me.”[403] Various bills were introduced in Congress to allow people to keep their plans.[404]

In the fall of 2013, the Obama Administration announced a transitional relief program that would let states and carriers allow non-compliant individual and small group policies to renew at the end of 2013. In March 2014, HHS allowed renewals as late as October 1, 2016. In February 2016, these plans were allowed to renew up until October 1, 2017, but with a termination date no later than December 31, 2017.[citation needed]

2010

In June small business tax credits took effect. For certain small businesses, the credits reached up to 35% of premiums. At the same time uninsured people with pre-existing conditions could access the federal high-risk pool. Also, participating employment-based plans could obtain reimbursement for a portion of the cost of providing health insurance to early retirees.[405]

In July the Pre-Existing Condition Insurance Plan (PCIP) took effect to offer insurance to those that had been denied coverage by private insurance companies because of a pre-existing condition. Despite estimates of up to 700,000 enrollees, at a cost of approximately $13,000/enrollee, only 56,257 enrolled at a $28,994 cost per enrollee.[405]

2011

As of September 23, 2010, pre-existing conditions could no longer be denied coverage for children’s policies. HHS interpreted this rule as a mandate for “guaranteed issue“, requiring insurers to issue policies to such children.[citation needed] By 2011, insurers had stopped marketing child-only policies in 17 states, as they sought to escape this requirement.[406]

The average beneficiary in the prior coverage gap would have spent $1,504 in 2011 on prescriptions. Such recipients saved an average $603. The 50 percent discount on brand name drugs provided $581 and the increased Medicare share of generic drug costs provided the balance. Beneficiaries numbered 2 million[407]

2012

In National Federation of Independent Business v. Sebelius decided on June 28, 2012, the Supreme Court ruled that the individual mandate was constitutional when the associated penalties were construed as a tax. The decision allowed states to opt out of the Medicaid expansion. Several did so,[408] although some later accepted the expansion.[409]

2013

In January 2013 the Internal Revenue Service ruled that the cost of covering only the individual employee would be considered in determining whether the cost of coverage exceeded 9.5% of income. Family plans would not be considered even if the cost was above the 9.5% income threshold. This was estimated to leave 2–4 million Americans unable to afford family coverage under their employers’ plans and ineligible for subsidies.[410][411]

A June 2013 study found that the MLR provision had saved individual insurance consumers $1.2 billion in 2011 and $2.1 billion in 2012, reducing their 2012 costs by 7.5%.[412] The bulk of the savings were in reduced premiums, but some came from MLR rebates.

On July 2, 2013, the Obama Administration announced that it would delay the implementation of the employer mandate until 2015.[281][413][414]

The Community Living Assistance Services and Supports Act (or CLASS Act) was enacted as Title VIII of Obamacare. It would have created a voluntary and public long-term care insurance option for employees.[121][123] In October 2011 the administration announced it was unworkable and would be dropped.[415] The CLASS Act was repealed January 1, 2013.[416]

The launch for both the state and federal exchanges was troubled due to management and technical failings. HealthCare.gov, the website that offers insurance through the exchanges operated by the federal government, crashed on opening and suffered endless problems.[417] Operations stabilized in 2014, although not all planned features were complete.[418][419]

CMS reported in 2013 that, while costs per capita continued to rise, the rate of increase in annual healthcare costs had fallen since 2002. Per capita cost increases averaged 5.4% annually between 2000 and 2013. Costs relative to GDP, which had been rising, had stagnated since 2009.[420] Several studies attempted to explain the reductions. Reasons included:

  • Higher unemployment due to the 2008-2010 recession, which limited the ability of consumers to purchase healthcare;
  • Out-of-pocket costs rose, reducing demand for healthcare services.[421] The proportion of workers with employer-sponsored health insurance requiring a deductible climbed to about three-quarters in 2012 from about half in 2006.[224]
  • ACA changes[224] that aim to shift the healthcare system from paying-for-quantity to paying-for-quality. Some changes occurred due to healthcare providers acting in anticipation of future implementation of reforms.[120][225]

2014

On July 30, 2014, the Government Accountability Office released a non-partisan study that concluded that the administration did not provide “effective planning or oversight practices” in developing the website.[422]

In Burwell v. Hobby Lobby the Supreme Court exempted closely held corporations with religious convictions from the contraception rule.[423] In Wheaton College vs Burwell the Court issued an injunction allowing the evangelical college and other religiously affiliated nonprofit groups to completely ignore the contraceptive mandate.[424]

A study found that average premiums for the second-cheapest silver plan were 10-21% less than average individual market premiums in 2013, while covering many more conditions. Credit for the reduced premiums was attributed to increased competition stimulated by the larger market, greater authority to review premium increases, the MLR and risk corridors.[citation needed]

Many of the initial plans featured narrow networks of doctors and hospitals.[425][not in citation given]

A 2016 analysis found that health care spending by the middle class was 8.9% of household spending in 2014.[426]

2015

By the beginning of the year, 11.7 million had signed up (ex-Medicaid).[427] On December 31, 2015, about 8.8 million consumers had stayed in the program. Some 84 percent, or about 7.4 million, were subsidized.[428]

Bronze plans were the second most popular in 2015, making up 22% of marketplace plan selections. Silver plans were the most popular, accounting for 67% of marketplace selections. Gold plans were 7%. Platinum plans accounted for 3%. On average across the four metal tiers, premiums were up 20% for HMOs and 18% for EPOs. Premiums for POS plans were up 15% from 2015 to 2016, while PPO premiums were up just 8%.[citation needed]

A 2015 study found 14% of privately insured consumers received a medical bill in the past two years from an out-of-network provider in the context of an overall in-network treatment event. Such out-of-network care is not subject to the lower negotiated rates of in-network care, increasing out-of-pocket costs. Another 2015 study found that the average out-of-network charges for the majority of 97 medical procedures examined “were 300% or higher compared to the corresponding Medicare fees” for those services.[citation needed]

Some 47% of the 2015 ACA plans sold on the Healthcare.gov exchange lacked standard out-of-network coverage. Enrollees in such plans, typically received no coverage for out-of-network costs (except for emergencies or with prior authorization). A 2016 study on Healthcare.gov health plans found a 24 percent increase in the percentage of ACA plans that lacked standard out-of-network coverage.[citation needed]

The December spending bill delayed the onset of the “Cadillac tax” on expensive insurance plans by two years, until 2020.[429]

The average price of non-generic drugs rose 16.2% in 2015 and 98.2% since 2011.[426]

2016

As of March 2016 11.1 million people had purchased exchange plans,[citation needed] while an estimated 9 million to 10 million people had gained Medicaid coverage, mostly low-income adults.[207] 11.1 million were still covered, a decline of nearly 13 percent.[430] 6.1 million uninsured 19-25 year olds gained coverage.[431]

Employers

A survey of New York businesses found an increase of 8.5 percent in health care costs, less than the prior year’s survey had expected. A 10 percent increase was expected for 2017. Factors included increased premiums, higher drug costs, ACA and aging workers. Some firms lowered costs by increasing cost-sharing (for higher employee contributions, deductibles and co-payments). 60% planned to further increase cost-sharing. Coverage and benefits were not expected to change. Approximately one fifth said ACA had pushed them to reduce their workforce. A larger number said they were raising prices.[432]

Insurers

The five major national insurers expected to lose money on ACA policies in 2016.[433] UnitedHealth withdrew from the Georgia and Arkansas exchanges for 2017, citing heavy losses.[204] Humana exited other markets, leaving it operating in 156 counties in 11 states for 2017.[434] 225 counties across the country had access to only a single ACA insurer. A study released in May estimated that 664 counties would have one insurer in 2017.[435][not in citation given]

Aetna cancelled planned expansion of its offerings and following an expected $300 million loss in 2016 and then withdrew from 11 of its 15 states.[436] In August 2016 Anthem said that its offerings were losing money, but also that it would expand its participation if a pending merger with Cigna was approved.[437] Aetna and Humana’s exit for 2017 left 8 rural Arizona counties with only Blue Cross/Blue Shield.[438]

Blue Cross/Blue Shield Minnesota announced that it would exit individual and family markets in Minnesota in 2017, due to financial losses of $500 million over three years.[439]

Another analysis found that 17 percent of eligibles may have a single insurer option in 2017. North Carolina, Oklahoma, Alaska, Alabama, South Carolina and Wyoming were expected to have a single insurer,[440] while only 2 percent of 2016 eligibles had only one choice.[441]

Aetna, Humana, UnitedHealth Group also exited various individual markets. Many local Blue Cross plans sharply narrowed their networks. In 2016 two thirds of individual plans were narrow-network HMO plans.[425]

One of the causes of insurer losses is the lower income, older and sicker enrollee population. One 2016 analysis reported that while 81% of the population with incomes from 100-150% of the federal poverty level signed up, only 45% of those from 150-200% did so. The percentage continued to decline as income rose: 2% of those above 400% enrolled.[442]

Costs

The law is designed to pay subsidies in the form of tax credits to the individuals or families purchasing the insurance, based on income levels. Higher income consumers receive lower subsidies. While pre-subsidy prices rose considerably from 2016 to 2017, so did the subsidies, to reduce the after-subsidy cost to the consumer. For example, a study published in 2016 found that the average requested 2017 premium increase among 40-year-old non-smokers was about 9 percent, according to an analysis of 17 cities, although Blue Cross Blue Shield proposed increases of 40 percent in Alabama and 60 percent in Texas.[221] However, some or all of these costs are offset by subsidies, paid as tax credits. For example, the Kaiser Foundation reported that for the second-lowest cost “Silver plan” (a plan often selected and used as the benchmark for determining financial assistance), a 40-year old non-smoker making $30,000 per year would pay effectively the same amount in 2017 as they did in 2016 (about $208/month) after the subsidy/tax credit, despite large increases in the pre-subsidy price. This was consistent nationally. In other words, the subsidies increased along with the pre-subsidy price, fully offsetting the price increases.[222]

Cooperatives

The number of ACA nonprofit insurance cooperatives for 2017 fell from 23 originally to 7 for 2017. The remaining 7 posted annual losses in 2015. A General Accountability Report found that co-ops’ 2015 premiums were generally below average. At the end of 2014, money co-ops and other ACA insurers had counted on risk corridor payments that didn’t materialize. Maryland’s Evergreen Health claims that ACA’s risk-adjustment system does not adequately measure risk.[citation needed]

Medicaid

Newly elected Louisiana Governor John Bel Edwards issued an executive order to accept the expansion, becoming the 32nd state to do so. The program was expected to enroll an additional 300,000 Louisianans.[443]

2017

More than 9.2 million people signed up for care on the national exchange (healthcare.gov) for 2017, down some 400,000 from 2016. This decline was due primarily to the election of President Trump, who pulled advertising encouraging people to signup for coverage, issued an executive order that attempts to eliminate the mandate, and has created significant uncertainty about the future of the ACA. Enrollments had been running ahead of 2016 prior to President Obama leaving office, with 9.8 million expected to sign-up, so President Trump’s actions potentially cost about 600,000 national enrollments (i.e., 9.8 million expected – 9.2 million actual = 0.6 million impact).[444]Of the 9.2 million, 3.0 million were new customers and 6.2 million were returning. The 9.2 million excludes the 11 states that run their own exchanges, which have signed up around 3 million additional people.[444] These figures also exclude the additional coverage due to the Medicaid expansion, which covers another approximately 10 million persons, as described in the impact section above.

In February, Humana announced that it would withdraw from the individual insurance market in 2018, citing “further signs of an unbalanced risk pool.”[445] That month the IRS announced that it would not require that tax returns indicate that a person has health insurance, reducing the effectiveness of the individual mandate, in response to an executive order from President Donald Trump.[446]

Aetna CEO Mark Bertolini stated that ACA was in a “death spiral” of escalating premiums and shrinking, skewed enrollment.[447] However, a U.S. judge found that the Aetna CEO misrepresented why his company was leaving the exchanges; an important part of the reason was the Justice Department’s opposition to the intended merger between Aetna and Humana. Aetna actually pulled out of states where it was making money on the exchanges, while remaining in some states where it was not.[448] Further, the CBO reported in March 2017 that the healthcare exchanges were expected to be stable; i.e., they were not in a “death spiral.”[449]

Molina Healthcare, a major Medicaid provider, said that it was considering exiting some markets in 2018, citing “too many unknowns with the marketplace program.” Molina lost $110 million in 2016 due to having to contribute $325 million more than expected to the ACA “risk transfer” fund that compensated insurers with unprofitable risk pools. These pools were establish to help prevent insurers from artificially selecting lower-risk pools.[450]

https://en.wikipedia.org/wiki/Patient_Protection_and_Affordable_Care_Act

 

Story 2: Obama Administration Spied On American Citizens Including Trump and Trump Team — Obama Scandal Far Worse Than Nixon’s Cover-up of Watergate Break-in — Legacy Fading Fast — Grand Jury Should Be Impaneled Now! — Videos

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BREAKING: Obama SCREAMS LIKE A BABY After Being Refused A Meeting With Trump At The White House

Four Secret Service agents and two United States Marines had a good laugh earlier today when Barack Obama showed up unannounced at the White House, demanding a meeting with President Trump. At first, the former president just nodded and waved and started walking through the door at the ellipse like he owned the place until he came face to face with Agent Brock Neidemeir, who used to serve on his detail.

After a short discussion, Neidemyer agreed to call down to the Oval Office and was told by Trump’s secretary Rosalita that he wasn’t welcome and that Trump had no time for him. Obama, being the sore loser that he is, started stomping around like a baby and demanding he be allowed in. People as far away as the south gate could hear him whining.

There’s no telling why Obama felt the need to show up at the White House or why he thought he could just waltz right in like he owned the place. One thing is for sure: Trump isn’t going to allow someone who knows how to do his job that much better than him come down the halls of the West Wing to show him up. He has real issues to deal with.

http://thelastlineofdefense.org/breaking-obama-screams-like-a-baby-after-being-refused-a-meeting-with-trump-at-the-white-house/

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The Pronk Pops Show 791, November 7, 2016, Story 1: Trump Tidal Wave Warning: American People Give Trump A 5% Margin Popular Vote Mandate — Pronk Prediction: 50% Trump vs. 45% Clinton — Trump 275 Electoral Votes vs. Clinton 263 Electoral Votes — Trump Wins Florida, Ohio, and Pennsylvania Becomes President Elect Trump — Narcissist Capitalist Leader In — Narcissist Socialist Appeaser Out — Do Not Blame Me I Elected The George Carlin Option — Videos — Story 2: FBI Director James Comey’s Letters — Return To Sender — FBI Investigations Of Hillary Clinton Are Not Over — Public Corruption Using State Department and Clinton Foundation Investigation Ongoing and Expanding — Videos

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Pronk Pops Show 771: October 7, 2016

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Story 1: Trump Tidal Wave Warning: American People Give Trump A 5% Margin Popular Vote Mandate  — Pronk Prediction:  50% Trump vs. 45% Clinton — Trump 275 Electoral  Votes vs. Clinton 263 Electoral  Votes — Trump Wins Florida, Ohio, and Pennsylvania Becomes President Elect Trump — Narcissist Capitalist Leader In — Narcissist Socialist Appeaser Out — Do Not Blame Me I Elected The George Carlin Option — Videos

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Latest Polls

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Monday, November 7
Race/Topic   (Click to Sort) Poll Results Spread
General Election: Trump vs. Clinton vs. Johnson vs. Stein Bloomberg Clinton 44, Trump 41, Johnson 4, Stein 2 Clinton +3
General Election: Trump vs. Clinton vs. Johnson vs. Stein IBD/TIPP Tracking Clinton 41, Trump 43, Johnson 6, Stein 2 Trump +2
General Election: Trump vs. Clinton vs. Johnson vs. Stein CBS News Clinton 45, Trump 41, Johnson 5, Stein 2 Clinton +4
General Election: Trump vs. Clinton vs. Johnson vs. Stein FOX News Clinton 48, Trump 44, Johnson 3, Stein 2 Clinton +4
General Election: Trump vs. Clinton vs. Johnson vs. Stein ABC/Wash Post Tracking Clinton 47, Trump 43, Johnson 4, Stein 1 Clinton +4
General Election: Trump vs. Clinton vs. Johnson vs. Stein Monmouth Clinton 50, Trump 44, Johnson 4, Stein 1 Clinton +6
General Election: Trump vs. Clinton vs. Johnson vs. Stein Rasmussen Reports Clinton 45, Trump 43, Johnson 4, Stein 2 Clinton +2
General Election: Trump vs. Clinton vs. Johnson vs. Stein NBC News/SM Clinton 47, Trump 41, Johnson 6, Stein 3 Clinton +6
General Election: Trump vs. Clinton Bloomberg Clinton 46, Trump 43 Clinton +3
General Election: Trump vs. Clinton LA Times/USC Tracking Clinton 43, Trump 48 Trump +5
General Election: Trump vs. Clinton CBS News Clinton 47, Trump 43 Clinton +4
General Election: Trump vs. Clinton IBD/TIPP Tracking Clinton 43, Trump 42 Clinton +1
General Election: Trump vs. Clinton FOX News Clinton 48, Trump 44 Clinton +4
General Election: Trump vs. Clinton ABC/Wash Post Tracking Clinton 49, Trump 46 Clinton +3
General Election: Trump vs. Clinton Monmouth Clinton 50, Trump 44 Clinton +6
General Election: Trump vs. Clinton NBC News/SM Clinton 51, Trump 44 Clinton +7
Florida: Trump vs. Clinton vs. Johnson vs. Stein Quinnipiac Clinton 46, Trump 45, Johnson 2, Stein 1 Clinton +1
Florida: Trump vs. Clinton vs. Johnson vs. Stein Trafalgar Group (R) Clinton 46, Trump 50, Johnson 2, Stein 1 Trump +4
Florida: Trump vs. Clinton vs. Johnson vs. Stein Opinion Savvy Clinton 48, Trump 46, Johnson 3, Stein 1 Clinton +2
Ohio: Trump vs. Clinton vs. Johnson vs. Stein Emerson Trump 46, Clinton 39, Johnson 7, Stein 3 Trump +7
North Carolina: Trump vs. Clinton vs. Johnson NY Times/Siena Trump 44, Clinton 44, Johnson 3 Tie
North Carolina: Trump vs. Clinton vs. Johnson Quinnipiac Trump 45, Clinton 47, Johnson 3 Clinton +2
Nevada: Trump vs. Clinton vs. Johnson Emerson* Trump 46, Clinton 47, Johnson 4 Clinton +1
Nevada: Trump vs. Clinton vs. Johnson Remington Research (R) Trump 46, Clinton 45, Johnson 3 Trump +1
New Mexico: Trump vs. Clinton vs. Johnson vs. Stein Zia Poll Clinton 46, Trump 44, Johnson 6, Stein 1 Clinton +2
New Hampshire: Trump vs. Clinton vs. Johnson vs. Stein Emerson Clinton 45, Trump 44, Johnson 5, Stein 3 Clinton +1
New Hampshire: Trump vs. Clinton vs. Johnson vs. Stein WMUR/UNH Clinton 49, Trump 38, Johnson 6, Stein 1 Clinton +11
Missouri: Trump vs. Clinton vs. Johnson vs. Stein Emerson Trump 47, Clinton 41, Johnson 7, Stein 2 Trump +6
Virginia: Trump vs. Clinton Christopher Newport Univ.* Clinton 48, Trump 42 Clinton +6
Florida Senate – Rubio vs. Murphy Quinnipiac Rubio 50, Murphy 43 Rubio +7
North Carolina Senate – Burr vs. Ross NY Times/Siena Burr 46, Ross 45 Burr +1
North Carolina Senate – Burr vs. Ross Quinnipiac Burr 47, Ross 47 Tie
Nevada Senate – Heck vs. Cortez Masto Emerson Cortez Masto 48, Heck 47 Cortez Masto +1
New Hampshire Senate – Ayotte vs. Hassan Emerson Ayotte 49, Hassan 46 Ayotte +3
New Hampshire Senate – Ayotte vs. Hassan WMUR/UNH Ayotte 45, Hassan 49 Hassan +4
Missouri Senate – Blunt vs. Kander Emerson Blunt 45, Kander 46 Kander +1
Ohio Senate – Portman vs. Strickland Emerson Portman 49, Strickland 28 Portman +21
North Carolina Governor – McCrory vs. Cooper NY Times/Siena Cooper 47, McCrory 46 Cooper +1
North Carolina Governor – McCrory vs. Cooper Quinnipiac Cooper 50, McCrory 47 Cooper +3
2016 Generic Congressional Vote Bloomberg Democrats 45, Republicans 48 Republicans +3
Sunday, November 6
Race/Topic   (Click to Sort) Poll Results Spread
General Election: Trump vs. Clinton vs. Johnson vs. Stein NBC News/Wall St. Jrnl Clinton 44, Trump 40, Johnson 6, Stein 2 Clinton +4
General Election: Trump vs. Clinton NBC News/Wall St. Jrnl Clinton 48, Trump 43 Clinton +5
General Election: Trump vs. Clinton vs. Johnson vs. Stein IBD/TIPP Tracking Clinton 43, Trump 44, Johnson 5, Stein 2 Trump +1
General Election: Trump vs. Clinton IBD/TIPP Tracking Clinton 45, Trump 44 Clinton +1
General Election: Trump vs. Clinton LA Times/USC Tracking Clinton 43, Trump 48 Trump +5
General Election: Trump vs. Clinton vs. Johnson vs. Stein ABC/Wash Post Tracking Clinton 48, Trump 43, Johnson 4, Stein 2 Clinton +5
General Election: Trump vs. Clinton ABC/Wash Post Tracking Clinton 49, Trump 44 Clinton +5
Florida: Trump vs. Clinton vs. Johnson vs. Stein CBS News/YouGov Clinton 45, Trump 45, Johnson 4, Stein 2 Tie
Florida: Trump vs. Clinton vs. Johnson vs. Stein Remington Research (R)* Clinton 45, Trump 48, Johnson 2, Stein Trump +3
Ohio: Trump vs. Clinton vs. Johnson vs. Stein CBS News/YouGov Trump 46, Clinton 45, Johnson 3, Stein 2 Trump +1
Ohio: Trump vs. Clinton Columbus Dispatch* Trump 47, Clinton 48 Clinton +1
Ohio: Trump vs. Clinton vs. Johnson vs. Stein Remington Research (R)* Trump 45, Clinton 44, Johnson 4, Stein Trump +1
Michigan: Trump vs. Clinton vs. Johnson vs. Stein FOX 2 Detroit/Mitchell Clinton 46, Trump 41, Johnson 7, Stein 3 Clinton +5
Virginia: Trump vs. Clinton vs. Johnson vs. Stein Remington Research (R)* Clinton 46, Trump 44, Johnson 4, Stein Clinton +2
New Mexico: Trump vs. Clinton vs. Johnson vs. Stein Albuquerque Journal Clinton 45, Trump 40, Johnson 11, Stein 3 Clinton +5
Wisconsin: Trump vs. Clinton vs. Johnson vs. Stein Remington Research (R)* Clinton 49, Trump 41, Johnson 3, Stein Clinton +8
New York: Trump vs. Clinton vs. Johnson vs. Stein Siena Clinton 51, Trump 34, Johnson 5, Stein 2 Clinton +17
Florida Senate – Rubio vs. Murphy CBS News/YouGov Rubio 47, Murphy 44 Rubio +3
Ohio Senate – Portman vs. Strickland CBS News/YouGov Portman 52, Strickland 39 Portman +13
Ohio Senate – Portman vs. Strickland Columbus Dispatch* Portman 58, Strickland 37 Portman +21
New York Senate – Long vs. Schumer Siena Schumer 67, Long 25 Schumer +42
President Obama Job Approval Gallup Approve 53, Disapprove 44 Approve +9
Saturday, November 5
Race/Topic   (Click to Sort) Poll Results Spread
General Election: Trump vs. Clinton LA Times/USC Tracking Clinton 43, Trump 48 Trump +5
General Election: Trump vs. Clinton vs. Johnson vs. Stein IBD/TIPP Tracking Clinton 44, Trump 44, Johnson 5, Stein 2 Tie
General Election: Trump vs. Clinton IBD/TIPP Tracking Clinton 46, Trump 43 Clinton +3
General Election: Trump vs. Clinton vs. Johnson vs. Stein Reuters/Ipsos Clinton 43, Trump 39, Johnson 6, Stein 2 Clinton +4
General Election: Trump vs. Clinton Reuters/Ipsos Clinton 44, Trump 40 Clinton +4
General Election: Trump vs. Clinton vs. Johnson vs. Stein Gravis Clinton 47, Trump 45, Johnson 3, Stein 1 Clinton +2
Pennsylvania: Trump vs. Clinton vs. Johnson vs. Stein Morning Call Clinton 44, Trump 40, Johnson 7, Stein 2 Clinton +4
Pennsylvania: Trump vs. Clinton vs. Johnson vs. Stein Gravis Clinton 47, Trump 45, Johnson 2, Stein 2 Clinton +2
Iowa: Trump vs. Clinton vs. Johnson vs. Stein Des Moines Register Trump 46, Clinton 39, Johnson 6, Stein 1 Trump +7
Iowa: Trump vs. Clinton vs. Johnson vs. Stein Loras Trump 43, Clinton 44, Johnson 3, Stein 3 Clinton +1
Colorado: Trump vs. Clinton vs. Johnson vs. Stein Gravis Clinton 40, Trump 40, Johnson 7, Stein 4 Tie
Washington: Trump vs. Clinton vs. Johnson vs. Stein SurveyUSA Clinton 50, Trump 38, Johnson 4, Stein 2 Clinton +12
Pennsylvania Senate – Toomey vs. McGinty Gravis McGinty 45, Toomey 43 McGinty +2
Pennsylvania Senate – Toomey vs. McGinty Morning Call McGinty 42, Toomey 43 Toomey +1
Iowa Senate – Grassley vs. Judge Des Moines Register Grassley 56, Judge 33 Grassley +23
Colorado Senate – Glenn vs. Bennet Gravis Bennet 47, Glenn 44 Bennet +3
Iowa Senate – Grassley vs. Judge Loras* Grassley 53, Judge 37 Grassley +16
Washington Governor – Bryant vs. Inslee SurveyUSA Inslee 50, Bryant 43 Inslee +7
Iowa 1st District – Blum vs. Vernon Loras Blum 47, Vernon 41 Blum +6
Iowa 3rd District – Young vs. Mowrer Loras Young 44, Mowrer 39 Young +5

OMG!!! Last Update Trump 59% Hillary 34%

If You are a Voter You Should see this Video

Donald Trump Speech Today 11/07/16 Rally at Sarasota, Florida ( FULL )

The O’Reilly Factor 11/6/16 | Who Will Win Pennsylvania? – Trump Vs Clinton – Race In America

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Can GOP turn Pennsylvania red in 2016?

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Trey Gowdy Explosive Interview Today 11/ 6/16 W Megyn Kelly FBI Director J. Comey H Clinton decision

George Carlin -Question Everything

George Carlin -“Who Really Controls America”

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George Carlin – Why I Don’t Vote

Story 2: FBI Director James Comey’s Letters — Return To Sender — Videos  

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Image result for cartoons fbi director james comey letters and hillary clinton

Image result for cartoons fbi director james comey letters and hillary clinton

Lou Dobbs Tonight 11/6/16 James Comey clears Clinton once again after 2ND FBI email investigation

RUSH: What If Comey Says ‘THERE’S NOTHING THERE’

Rush Limbaugh EXPLAINS What Happened With FBI, Comey, Investigation of Hillary Email

FBI Director Comey releases new letter to Congress

Image result for cartoons fbi director james comey letters and hillary clinton

 

Image result for comey second letter November 6, 2016

Image result for comey letter November 6, 2016

FBI FINDS HILLARY CLINTON GUILTY! JASON CHAFFETZ AND FBI DIRECTOR COMEY AGREE

Breaking: Jim Jordan Gets FBI Director To Confirm Cover Up of Evidence Tampering

Rep. Gowdy Questions FBI Director Comey

FBI Director James Comey Reveals Findings in Hillary Clinton Email Probe – No Charges Appropriate

FBI SUBPOENA SERVED !! • U.S. REP. JASON CHAFFETZ DELIVERED A SUBPOENA TO FBI #lockherup

Read the full text of James Comey’s letter on the new Clinton emails

Here is the full text of the letter written Sunday to lawmakers by FBI Director James Comey.

In it, Comey says his agency’s review of newly discovered emails has not changed his earlier conclusion that Democratic presidential nominee Hillary Clinton should not be prosecuted for her handling of classified information while secretary of state.

Dear Messrs. Chairmen:

I write to supplement my October 28, 2016 letter that notified you the FBI would be taking additional investigative steps with respect to former Secretary of State Clinton’s use of a personal email server. Since my letter, the FBI investigative team has been working around the clock to process and review a large volume of emails from a device obtained in connection with an unrelated criminal investigation. During that process, we reviewed all of the communications that were to or from Hillary Clinton while she was Secretary of State.

Based on our review, we have not changed our conclusions that we expressed in July with respect to Secretary Clinton.

I am very grateful to the professionals at the FBI for doing an extraordinary amount of high-quality work in a short period of time.

Sincerely yours,
James B. Comey
Director

http://www.usatoday.com/story/news/politics/onpolitics/2016/11/06/read-full-text-comeys-letter-new-clinton-emails/93398304/

‘You can’t review 650,000 new emails in eight days!’ Furious Trump blasts FBI Director after Houdini Hillary is CLEARED over second email investigation sparked by Anthony Weiner’s teen sexting scandal

  • FBI announced it will not change the decision it reached in July after investigating Hillary Clinton’s emails
  • Director James Comey announced the potentially election-changing news in an email on Sunday afternoon
  • The latest finding means the Democratic nominee will not be charged with anything from the email scandal 
  • Hillary’s camp addressed Comey’s letter after it was published, saying it is ‘glad that the matter is resolved’
  • Donald Trump was quick to trash the latest decision, saying Clinton is being protected by a ‘rigged system’ 

Donald Trump blasted the FBI’s director on Sunday night, telling a crowd of 8,000 people in Michigan that he rejects the bureau’s latest move to exonerate Hillary Clinton.

FBI chief James Comey told leaders in Congress hours earlier that a review of 650,000 emails discovered on a laptop belonging to Anthony Weiner had reinforced his July 5 decision to let her off the hook.

‘The investigations into her crimes will go on for a long, long time,’ Trump said in the Detroit suburb of Sterling Heights.

‘The rank-and-file special agents in the FBI won’t let her get away with her terrible crimes – including the deletion of 33,000 emails after receiving a congressional subpoena.’

‘Right now she’s being protected by a rigged system!’ he exclaimed.

‘You can’t review 650,000 new emails in eight days! You can’t do it, folks!’

While campaigning in Sterling Heights, Michigan on Sunday evening, Donald Trump (above) addressed the FBI's announcement about closing the investigation into Clinton's email server

While campaigning in Sterling Heights, Michigan on Sunday evening, Donald Trump (above) addressed the FBI’s announcement about closing the investigation into Clinton’s email server

The Republican presidential candidate insisted that it would have been impossible for the FBI to review what has been reported to be as many as 650,000 emails in so short a time 

The Republican presidential candidate insisted that it would have been impossible for the FBI to review what has been reported to be as many as 650,000 emails in so short a time

Trump (above) said: 'The rank-and-file special agents in the FBI won't let her get away with her terrible crimes – including the deletion of 33,000 emails after receiving a congressional subpoena.

Trump (above) said: 'Right now she's being protected by a rigged system!'

Trump (above) said: ‘The rank-and-file special agents in the FBI won’t let her get away with her terrible crimes – including the deletion of 33,000 emails after receiving a congressional subpoena. Right now she’s being protected by a rigged system!’

Comey’s decision means the Democratic presidential nominee will not be charged with a crime related to her mishandling of thousands of classified documents on a homebrew email server she used while she was secretary of state.

Congressman Jason Chaffetz fist tweeted out the bombshell news Sunday afternoon before FBI Director James Comey released a letter that said the investigation was closed.

‘FBI Dir just informed us ‘Based on our review, we have not changed our conclusions that we expressed in July with respect to Sec Clinton’,’ Chaffetz wrote.

Speaking to reporters with Clinton in Cleveland, Ohio, campaign communications director Jennifer Palmieri said: ‘We have seen Director Comey’s latest letter to the [Capitol] Hill. We are glad to see that he has found, as we were confident that he would, that he has confirmed the conclusion that he reached in July, and we’re glad that this matter is resolved.’

The investigation was reopened on October 28 – sparked by a DailyMail.com story that revealed Weiner was sending sexually explicit messages to a 15-year-old girl. The emails in question were found on Weiner’s laptop.

Hillary Clinton (pictured on Sunday morning) was all smiles after being again cleared by the FBI after the investigation into her emails was reopened

Hillary Clinton (pictured on Sunday morning) was all smiles after being again cleared by the FBI after the investigation into her emails was reopened

At the rally in Michigan on Sunday, Trump (above) declared, 'Hillary Clinton is guilty. She knows it, the FBI knows it, the people know it.'

At the rally in Michigan on Sunday, Trump (above) declared, ‘Hillary Clinton is guilty. She knows it, the FBI knows it, the people know it.’

 

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The Pronk Pops Show 770, October 6, 2016, Part 2 of 2: Story 1: Leader and Winner Mild Mannered Mike Pence vs. Follower and Loser Crude Rude Tim Kaine — Videos

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The Pronk Pops Show Podcasts

Pronk Pops Show 770: October 6, 2016

Pronk Pops Show 769: October 5, 2016 

Pronk Pops Show 768: October 3, 2016

Pronk Pops Show 767: September 30, 2016

Pronk Pops Show 766: September 29, 2016

Pronk Pops Show 765: September 28, 2016

Pronk Pops Show 764: September 27, 2016

Pronk Pops Show 763: September 26, 2016

Pronk Pops Show 762: September 23, 2016

Pronk Pops Show 761: September 22, 2016

Pronk Pops Show 760: September 21, 2016

Pronk Pops Show 759: September 20, 2016

Pronk Pops Show 758: September 19, 2016

Pronk Pops Show 757: September 16, 2016

Pronk Pops Show 756: September 15, 2016

Pronk Pops Show 755: September 14, 2016

Pronk Pops Show 754: September 13, 2016

Pronk Pops Show 753: September 12, 2016

Pronk Pops Show 752: September 9, 2016

Pronk Pops Show 751: September 8, 2016

Pronk Pops Show 750: September 7, 2016

Pronk Pops Show 749: September 2, 2016

Pronk Pops Show 748: September 1, 2016

Pronk Pops Show 747: August 31, 2016

Pronk Pops Show 746: August 30, 2016

Pronk Pops Show 745: August 29, 2016

Pronk Pops Show 744: August 26, 2016

Pronk Pops Show 743: August 25, 2016

Pronk Pops Show 742: August 24, 2016

Pronk Pops Show 741: August 23, 2016

Pronk Pops Show 740: August 22, 2016

Pronk Pops Show 739: August 18, 2016

Pronk Pops Show 738: August 17, 2016

Pronk Pops Show 737: August 16, 2016

Pronk Pops Show 736: August 15, 2016

Pronk Pops Show 735: August 12, 2016

Pronk Pops Show 734: August 11, 2016

Pronk Pops Show 733: August 9, 2016

Pronk Pops Show 732: August 8, 2016

Pronk Pops Show 731: August 4, 2016

Pronk Pops Show 730: August 3, 2016

Pronk Pops Show 729: August 1, 2016

Pronk Pops Show 728: July 29, 2016

Pronk Pops Show 727: July 28, 2016

Pronk Pops Show 726: July 27, 2016

Pronk Pops Show 725: July 26, 2016

Pronk Pops Show 724: July 25, 2016

Pronk Pops Show 723: July 22, 2016

Pronk Pops Show 722: July 21, 2016

Pronk Pops Show 721: July 20, 2016

Pronk Pops Show 720: July 19, 2016

Pronk Pops Show 719: July 18, 2016

Pronk Pops Show 718: July 15, 2016

Pronk Pops Show 717: July 14, 2016

Pronk Pops Show 716: July 13, 2016

Pronk Pops Show 715: July 12, 2016

Pronk Pops Show 714: July 7, 2016

Pronk Pops Show 713: July 6, 2016

Pronk Pops Show 712: July 5, 2016

Pronk Pops Show 711: July 1, 2016

Part 2 of 2: Story 1: Leader and Winner Mild Mannered Mike Pence vs. Follower and Loser Crude Rude Tim Kaine — Videos

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VICE PRESIDENTIAL DEBATE SPLIT SCREEN (C-SPAN)

VICE PRESIDENTIAL DEBATE 2016 (FULL !!)• PENCE VS KAINE !! #debate

Pence edges Kaine in VP debate instant poll

Mike Pence scored a narrow win over Tim Kaine in the vice presidential debate Tuesday night,according to a CNN/ORC instant poll, with 48% of voters who watched the debate saying Pence did the better job while 42% think Kaine had the best night.

With two relatively unknown politicians taking the stage, those watching seemed more impressed by Pence than Kaine. About two-thirds of debate-watchers said Pence’s performance was better than they expected, just 14% said he did worse than they thought he would. Reviews of Kaine tilted toward the negative, with 43% saying he did worse than they expected and 38% saying he outperformed their expectations.
The debate itself focused more on the candidates at the top of the ticket than the two men on stage. Most debate watchers said Kaine did the better job defending Hillary Clinton, 58%, while just 35% thought Pence better defended Donald Trump.
Still, 29% of debate watchers said what they saw Tuesday made them more apt to vote for Trump, compared with 18% who said it made them more likely to back Clinton. Most debate watchers, 53%, said their vote was not swayed by Tuesday’s face off. After the first Clinton-Trump debate last week, 34% said it made them more apt to vote Clinton, 18% Trump.
Kaine’s performance fell short of Clinton’s on several other measures in the poll as well. Tuesday’s debate watchers were split on which candidate expressed his views more clearly, 47% named each, a metric on which Clinton soundly beat Trump in last week’s presidential debate.
And 48% said Kaine had a better understanding of the issues, edging out Pence at 41%. Clinton topped Trump by a better than 2-to-1 margin on that score after their first debate.
Kaine and Pence emerge from the debate with near identical and net-positive favorability ratings, but Kaine appears to have taken a hit among those who watched. Pence, meanwhile, boosted his numbers somewhat.
Pence was largely seen as the more likeable candidate on the stage, 53% to 37%, and nearly all of the movement in Kaine’s favorability rating post-debate was toward the negative side: His unfavorable rating rose from 28% among this same group of debate watchers when they were interviewed pre-debate to 40% after, while his favorability number held about even at 55%. For Pence, his favorability rating bumped up 7 points to 57%, from 50% pre-debate. His unfavorable numbers held about even 40%.
Both men are broadly judged qualified to take over the office of president if needed, 77% say Pence is qualified, 70% that Kaine is. Most voters who watched Tuesday night said Kaine’s positions on the issues are about right ideologically (57%) while 36% see him as too liberal and 5% too conservative. Assessing Pence’s positions, about half, 49%, think he’s about right, 46% too conservative and just 3% too liberal.
The CNN/ORC post-debate poll includes interviews with 472 registered voters who watched the October 4 vice presidential debate. Results among debate-watchers have a margin of sampling error of plus or minus 4.5 percentage points. Respondents were originally interviewed as part of a September 28-October 2 telephone survey of a random sample of Americans, and indicated they planned to watch the debate and would be willing to be re-interviewed when it was over.

Mike Pence

Michael RichardMikePence (born June 7, 1959) is an American politician, attorney, and the 50th Governor of Indiana. He is the Republican Party nominee for Vice President of the United States in the 2016 presidential election.

After losing two bids for a U.S. congressional seat in 1988 and 1990, he became a conservative radio and television talk show host from 1994 to 1999. Pence successfully ran for Congress in 2000 and represented Indiana’s 2nd congressional district and Indiana’s 6th congressional district in the United States House of Representatives from 2001 to 2013, rising to the position of chairman of the House Republican Conference from 2009 to 2011.[1]

In 2012 Pence was elected the 50th Governor of Indiana. In the midst of a re-election campaign for governor, he dropped out in July 2016 to become the vice presidential running mate for Republican presidential nominee Donald Trump. Pence is a conservative and a supporter of the Tea Party movement.[2][3]

Early life and career

Pence, born in Columbus, Indiana, was one of six children of Nancy Jane (née Cawley) and Edward J. Pence, Jr., who ran a string of gas stations.[4][5] His family were Irish Catholic Democrats.[6] He was named after his grandfather, Richard Michael Cawley, a Chicago bus driver and Irish immigrant, who came from County Sligo to the United States through Ellis Island.[7] His maternal grandmother’s parents were from Doonbeg, County Clare.[8][9]

Pence graduated from Columbus North High School in 1977. He earned a Bachelor of Arts in history from Hanover College in 1981, and a Juris Doctor from the Indiana University Robert H. McKinney School of Law in Indianapolis, Indiana in 1986. While at Hanover, Pence joined the Phi Gamma Delta fraternity, serving as his chapter’s president.[10] After graduating from Hanover, Pence was an admissions counselor at the college, from 1981 to 1983.[11]

After graduating from law school in 1986, Pence was an attorney in private practice.[12] After running unsuccessfully for a congressional seat in 1988 and 1990, he returned to his law practice. In 1991, he became the president of the Indiana Policy Review Foundation, a self-described free-market think tank and a member of the State Policy Network.[13]

Pence left the Indiana Policy Review Foundation in 1993, a year after beginning to host The Mike Pence Show, a talk radio program based in WRCR-FM in Rushville, Indiana.[14][15] Pence called himself “Rush Limbaugh on decaf” since he considered himself politically conservative while not as outspoken as Limbaugh.[16] The show was syndicated by Network Indiana and aired weekdays 9 a.m. to noon (ET) on 18 stations throughout the state, including WIBC in Indianapolis.[14] From 1995 to 1999, Pence also hosted a weekend political talk show out of Indianapolis.[17][18]

U.S. House of Representatives

Pence as a U.S. Congressman

In 1988, Pence ran for Congress against Democratic incumbent Phil Sharp, but lost the election.[19] Pence ran against Sharp again in 1990, quitting his job in order to work full-time in the campaign, but once again lost the election.[19] During the race, Pence used “political donations to pay the mortgage on his house, his personal credit card bill, groceries, golf tournament fees and car payments for his wife.”[20] While the spending was not illegal at the time, it reportedly undermined his campaign.[20]

During the 1990 campaign, Pence ran a television advertisement in which an actor, dressed in a robe and headdress and speaking in a thick Middle Eastern accent, thanked his opponent, Sharp, for doing nothing to wean the United States off imported oil as chairman of a House subcommittee on energy and power.[20][21] In response to criticism, Pence’s campaign responded that the ad was not about Arabs; rather, it concerned Sharp’s lack of leadership.[20][21] In 1991, Pence wrote an essay, “Confessions of a Negative Campaigner”, published in the Indiana Policy Review, in which he apologized for running negative ads against Sharp.[16][20][22]

Mike Pence rejuvinated his political career by running for the U.S. House of Representatives again in 2000, this time winning the seat in Indiana’s 2nd congressional district after six-year incumbent David M. McIntosh opted to run for governor of Indiana. The district (renumbered as Indiana’s 6th congressional district beginning in 2002) comprises all or portions of 19 counties in eastern Indiana. As a Congressman, Pence adopted the slogan he had used frequently on the radio, describing himself as “a Christian, a conservative and a Republican, in that order.”[23]

In his first year in office Pence established a reputation as one with strong convictions willing to go his own way. He opposed President George W. Bush‘s No Child Left Behind Act in 2001,[24] as well as President Bush’s Medicare prescription drug expansion the following year.[25] Pence was re-elected four more times by comfortable margins. In the 2006 and 2008House elections, he defeated Democrat Barry Welsh.

Pence began to climb the party leadership structure and from 2005 to 2007 served as chairman of the Republican Study Committee, a group of conservative House Republicans.[26] In November 2006, Pence announced his candidacy for leader of the Republican Party (minority leader) in the United States House of Representatives.[27] Pence’s release announcing his run for minority leader focused on a “return to the values” of the 1994 Republican Revolution.[28] However, he lost the bid to Representative John Boehner of Ohio by a vote of 168 for Boehner, 27 for Pence, and one for Representative Joe Barton of Texas).[29] In January 2009, Pence was elected as the Republican Conference Chairman, the third-highest-ranking Republican leadership position. He ran unopposed and was elected unanimously. He was the first representative from Indiana to hold a House leadership position since 1981.[1]

In 2008, Esquire magazine listed Pence as one of the ten best members of Congress, writing that Pence’s “unalloyed traditional conservatism has repeatedly pitted him against his party elders.”[30] Pence was mentioned as a possible Republican candidate for president in 2008[2] and 2012.[31] In September 2010, he was the top choice for president in a straw poll conducted by the Values Voter Summit.[32][33] That same year he was encouraged to run against incumbent Democratic Senator Evan Bayh,[34][35][36] but opted not to enter the race,[37] even after Bayh unexpectedly announced that he would retire.[38]

Governor of Indiana

2012 election

Governor Mike Pence speaking at the 2015 Conservative Political Action Conference (CPAC) in National Harbor, Maryland on February 27, 2015

In May 2011, Mike Pence announced that he would be seeking the Republican nomination for governor of Indiana in 2012.[39] Incumbent Republican Governor Mitch Danielswas term-limited. Despite strong name recognition and a popular outgoing governor of the same party, Pence found himself in a heated race, eventually pulling out a close win with just under 50 percent of the vote against Democrat John R. Gregg and Libertarian nominee Rupert Boneham.[40] Pence was sworn in as the 50th governor of Indiana on January 14, 2013.[41]

Fiscal and economic policy initiatives

Pence “inherited a $2 billion budget reserve from his predecessor, Mitch Daniels, and the state has added to that reserve under his watch, though not before requiring state agencies, including public universities, to reduce funding in years in which revenue fell below projections.”[42] The state finished fiscal year 2014 with a reserve of $2 billion; budget cuts ordered by Pence for the $14 billion annual state budget include $24 million cut from colleges and universities; $27 million cut from the Family and Social Services Administration; and $12 million cut from the Department of Correction.[43] During Pence’s term as governor, the unemployment rate reflected the national average.[44] Indiana’s job growth lagged slightly behind the national trend.[45] In 2014, Indiana’s economy was among the slowest-growing in the U.S., with 0.4% GDP growth, compared to the national average of 2.2%; this was attributed in part to sluggish manufacturing sector.[46] Carrier Corp. and United Technologies Electronic Controls (UTEC) announced in 2016 that they would be closing two facilities in Indiana, sending 2,100 jobs to Mexico; Pence expressed “deep disappointment” with the moves.[47][48] Pence was unsuccessful in his efforts to persuade the companies to stay in the state, although the companies agreed to reimburse local and state governments for certain tax incentives that they had received.[48][49]

In 2013, Pence signed a law blocking local governments in Indiana from requiring businesses to offer higher wages or benefits beyond those required by federal law. In 2015, Pence also repealed an Indiana law that required construction companies working on publicly funded projects to pay a prevailing wage.[50][51][52][53] Indiana enacted right-to-work legislation under Pence’s predecessor, Republican governor Mitch Daniels. Under Pence, the state successfully defended this legislation against a labor challenge.[51]

Pence made tax reform, namely a 10% income-tax rate cut, a priority for 2013.[54][55] While he did not get the 10% cut he advocated, Pence did accomplish his goal of cutting state taxes.[54] Legislators cut the income tax by 5% and also killed the inheritance tax.[54] Speaker of the House Brian Bosma said that the legislative package was the “largest tax cut in our state’s history, about $1.1 billion dollars.”[56] By signing Senate Bill 1, the state corporate income tax would be dropped from 6.5% to 4.9% by 2021, which would be the second-lowest corporate income tax in the nation[57]

On June 12, 2013, the Indiana Legislature overrode Pence’s veto of a bill to retroactively authorize a local tax. Lawmakers overrode Pence’s veto in a 68–23 vote in the House and a 34–12 one in the Senate.[58] With an interesting twist, Republican legislators overwhelmingly voted against Pence, while most Democrats supported his veto.[59] The Jackson–Pulaski tax fix, one of three bills vetoed by Pence during the session, addressed a 15-year-old county income tax which had been imposed to fund the construction of jail facilities with the stipulation that the tax be lowered by 1% after the first several years. The reduction was not implemented and thus county residents paid an additional 1% tax that they were legally not required to pay. The bill, which was passed by a huge majority of legislators and subsequently vetoed by Pence, allowed money to be kept and not returned to the tax payers as would have otherwise been necessary.[60][59]

As governor, Pence pressed for a balanced budget amendment to the state’s constitution. He initially proposed the initiative in his State of the State address in January 2015. The legislation passed the state Senate and is progressing through the House.[61] Indiana has had AAA credit ratings with the three major credit-rating agencies since 2010, before Pence took office; these ratings have been maintained throughout Pence’s tenure.[62]

In 2014, Pence supported the Indiana Gateway project, a $71.4 million passenger and freight rail improvement initiative paid for by the American Recovery and Reinvestment Act of 2009 (the federal stimulus package), which Pence had voted against while a congressman.[63] In October 2015, Pence “announced plans to pay off a $250 million federal loan” to cover unemployment insurance payments that spiked during the recession.[42] In March 2016, Pence signed legislation to fund a $230 million two-year road-funding package.[42]

Education policies

During his tenure as governor, Pence supported significant increases in education funding to pre-schools, voucher programs, and charter schools, but frequently clashed with supporters of traditional public schools.[64][65] In 2014, a little over one year after taking office, Pence helped establish a $10 million state preschool pilot program in Indiana and testified personally before the state Senate Education Committee in favor of the program to convince fellow Republicans (several of whom opposed the proposal) to approve the plan.[64][65] Although the plan was initially defeated, Pence successfully managed to revive it, “getting Indiana off the list of just 10 U.S. states that spent no direct state funds to help poor children attend preschool.”[65] Demand for enrollment in the program “far outstripped” capacity, and Pence at first refused to apply for up to $80 million in federal Health and Human Services Preschool Development Grant program funding,[64] arguing that “Indiana must develop our own pre-K program without federal intrusion.”[66] After coming under sustained criticism for this position, Pence reversed course and sought to apply for the funds.[64][67]

In 2015, Pence secured significant increases in charter-school funding from the Legislation, although he did not get everything he had proposed.[65] Legislation signed into law by Pence in 2013 greatly increased the number of students in Indiana who qualify for school vouchers, making it one of the largest voucher programs in the United States.[68][69] [70][71] The annual cost of the program is estimated to be $53 million for the 2015-16 school year.[70][71]

Pence opposed the Common Core State Standards, calling for the repeal of the standards in his 2014 State of the State address. The Indiana General Assembly then passed a bill to repeal the standards, becoming the first state to do so.[64][65]

Despite successful advocacy for more funding for pre-schools, voucher programs, and charter schools, Pence has frequently clashed with teachers unions and supporters of public schooling.[64][65] In one of his first acts as governor, Pence removed control of the Educational Employment Relations Board, which is in charge of handling conflicts between unions and