The Most Affordable Cities For Individuals to Buy Health Insurance

Size: px
Start display at page:

Download "The Most Affordable Cities For Individuals to Buy Health Insurance"

Transcription

1 The Most Affordable Cities For Individuals to Buy Health Insurance Focusing on Health Insurance Solutions for Millions of Americans Copyright 2005, ehealthinsurance. All rights reserved.

2 Introduction: The Most Affordable Cities for Individuals to Buy Health Insurance report was created to provide consumers information: About the affordability of health insurance in the 50 largest cities in the country; To encourage them to research potential savings on their health insurance premiums so they can save money within their personal budgets; and To use as an important financial data point when making relocation decisions. The research for this report was conducted the week of March 9, 2005, examining 4,000 health insurance plans from 140 health insurance companies in the 50 most populous cities in America, using as the source of information in all cities except Boston, Honolulu and San Juan, Puerto Rico. Health Insurance premiums for Boston, Honolulu and San Juan were determined using information from the Massachusetts Division of Insurance, the Hawaii Division of Insurance and the Puerto Rico Division of Insurance, respectively. Page 2

3 Methodology: Insurance premium quotes for individual policies were collected in each of the 50 largest U.S. cities, using uniform applicant and policy criteria. Cities were ranked based on the lowest available quote matching that criteria for each city. Selection criteria Applicant information Primary Applicant date of birth (DOB): 01/01/1975 (Age =30) Non-smoker with no pre-existing medical conditions Quotes for females and males were collected separately Policy information Maximum of a $1,000 deductible and 20% coinsurance, which is the amount the policy holder pays on medical services once the deductible is met City selection criteria (50 most populous U.S. cities) Source: U.S. Census Bureau, Census 2000, Table 2. Incorporated Places of 100,000 or More, Ranked by Population: 2000 Determination of zip codes for obtaining quotes The U.S. Postal Service (USPS) Web site was used to identify a representative zip code for each city The first standard zip code listed for each city was typically used Five cities on the top-50 list were randomly selected to test that the health insurance quotes were uniform across zip codes of that city. In these five cities, two other random zip codes listed on the USPS site for each city were used to obtain quotes. No variance in health insurance quotes was found within each city Page 3

4 Methodology: (Cont d) Data collection For the majority of the cities on the list, quotes were obtained using which provided data for 47 of the 50 cities All relevant information was provided to the site and quotes immediately obtained Data for Boston, Honolulu & San Juan were gathered using the Massachusetts, Hawaii & Puerto Rico Division of Insurance, respectively Information on the market and cost of plans was accessed both online and through carriers operating in the state or territory In each case, the lowest quoted cost obtained in each city was selected Analysis and assessment While data and rankings for men and women are presented separately, an overall average cost was calculated. The ratio of [30 year-old] females to [30 year-old] males in each city was obtained from the U.S. Census Bureau and applied to the collected data to obtain a weighted average cost for each city The cities were ranked in ascending order of cost of health insurance premium quotes obtained In the event of a tie, the city with the larger population (based on 2000 U.S. Census Bureau data) was given precedence (the higher ranking) Page 4

5 Seven of the Top-10 Cities are in California, where there are Millions of Young Singles in Need of Coverage Jessica, 28-year-old Single Woman from Sacramento, CA: 28-year-old Jessica of Sacramento, CA was uninsured for 4 years. During that time a single mishap cost her a couple of thousand dollars, which she paid for on her own. This was a big financial blow to the part-time student who also works in construction parttime. She didn't have health insurance, because at the time she thought it would be too expensive. This incident proved to her that she really needed health insurance and an online search relieved her fears when she found a health insurance plan for just $39 a month. In addition to paying the low health insurance premium for her plan which has a $1,500 deductible, Jessica is also able to stash a small amount of money into her "just in case" fund. This fund will cover the deductible -- "just in case" an accident or illness occurs that would require her to use her health insurance. California, Ohio and Arizona are the only three states to be represented by cities on the top-10 Most Affordable Cities list If a single, 30-yearold person living in a top-10 city were to give up buying just one latté a day, they could use those savings to purchase health insurance and have money left over Page 5

6 Top Ten Cities for Individuals to Buy Health Insurance Rank City Average Monthly Premium 1 Long Beach, CA $ Sacramento, CA $56.00 All top-10 cities plan premiums are equivalent to less than $2.00 per day The top-10 cities monthly plan prices are within $4.77 of each other 3 Fresno, CA $ San Diego, CA $ Columbus, OH $ San Jose, CA $ San Francisco, CA $ Oakland, CA $ Mesa, AZ $ Tucson, AZ $58.77 Page 6

7 Top 50 Cities Surveyed and Ranked by the Lowest Monthly Premiums Available for Individual Policies 1 Long Beach, CA $ Sacramento, CA $ Fresno, CA $ San Diego, CA $ Columbus, OH $ San Jose, CA $ San Francisco, CA $ Oakland, CA $ Mesa, AZ $ Tucson, AZ $ Omaha, NE $ Los Angeles, CA $ Cleveland, OH $ Phoenix, AZ $ Kansas City, MO $ Virginia Beach, VA $ Detroit, MI $ St. Louis, MO $ Baltimore, MD $ Milwaukee, WI $ Nashville-Davidson, TN $ Colorado Springs, CO $ Memphis, TN $ Philadelphia, PA $ Tulsa, OK $ Atlanta, GA $ Albuquerque, NM $ Denver, CO $ Jacksonville, Fl $ Indianapolis, IN $ Oklahoma City, OK $ Chicago, IL $ Honolulu, HI $ Las Vegas, NV $ Charlotte, NC $ Portland, OR $ El Paso, TX $ Minneapolis, MN $ Austin, TX $ San Antonio, TX $ New Orleans, LA $ Fort Worth, TX $ Washington, DC $ San Juan, PR $ Seattle, WA $ Houston, TX $ Dallas, TX $ Miami, FL $ Boston, MA $ New York, NY $ The first 33 cities, or 66 percent of the cities on the list of the Most Affordable Cities for Individuals to Buy Health Insurance, have premiums of less than $100 per month Boston and New York City are the only cities within the top 50 with statemandated guaranteed issue and community rating laws The average annual Out-of- Pocket Maximum for the plans on the report is $3,286 Page 7

8 Health Insurance Plans are More Affordable when Individuals Choose Higher Annual Deductible Plans Chris, a 29-year-old Single Male from Washington, DC: Chris moved to Washington 18 months ago from the San Francisco area. His new employer offers its employees health insurance benefits, but his contribution to the premium would have been $400 a month. This was more than he wanted to spend, so he went online to look at his options. Determined to pay as little as possible for his coverage but also to use a reputable insurance company, Chris found a plan with a $5,000 deductible and is paying $64 a month for a plan that covers both medical and dental services. Washington, DC ranked 43rd on The Most Affordable Cities for Individuals to Buy Health Insurance. The lowest monthly premium available for a plan with a $1,000 deductible was $132 a month By purchasing a health plan with a higher annual deductible of $5,000, Chris reduced his payment by more than 50% for a monthly premium of $64 Page 8

9 Young Men Aren t Invincible John, 32 year-old Single Male from Austin, TX: John was young, single and uninsured for several years until this Austin resident was hit by a drunk driver. Once convinced that he was invincible and in no need of insurance, John quickly found himself in the hospital, ringing up medical bills that finally totaled $23,000. Back at his job in construction, John is paying off his bill in small increments each month. John's employer does not offer health insurance for its employees, but John now knew he needed to find a way to get health insurance. Once sure that he couldn t afford health insurance, he was surprised to find a plan online for just $90 a month, enabling him to move forward knowing that his financial future was not in someone else s hands. Austin, TX ranked 39 th on the single men s list of The Most Affordable Cities for Individuals to Buy Health Insurance. The lowest monthly premium is $112 a month Page 9

10 Top Ten Cities for Single Men to Buy Health Insurance Rank City Average Monthly Premium Columbus, OH is the #1 most affordable city for health insurance for single men 1 Columbus, OH $ Mesa, AZ $ Tucson, AZ $ Long Beach, CA $ Omaha, NE $ Sacramento, CA $ Fresno, CA $ San Diego, CA $ San Jose, CA $ San Francisco, CA $58.00 Page 10

11 Top 50 Cities Surveyed and Ranked Available Policies by the Lowest Monthly Premium for Single Men 1 Columbus, OH $ Mesa, AZ $ Tucson, AZ $ Long Beach, CA $ Omaha, NE $ Sacramento, CA $ Fresno, CA $ San Diego, CA $ San Jose, CA $ San Francisco, CA $ Oakland, CA $ Cleveland, OH $ Phoenix, AZ $ Kansas City, MO $ Virginia Beach, VA $ Los Angeles, CA $ Detroit, MI $ St. Louis, MO $ Baltimore, MD $ Milwaukee, WI $ Nashville-Davidson, TN $ Colorado Springs, CO $ Philadelphia, PA $ Tulsa, OK $ Atlanta, GA $ Memphis, TN $ Denver, CO $ Albuquerque, NM $ Jacksonville, Fl $ Indianapolis, IN $ Chicago, IL $ Oklahoma City, OK $ Honolulu, HI $ Las Vegas, NV $ New Orleans, LA $ El Paso, TX $ Charlotte, NC $ San Antonio, TX $ Austin, TX $ Fort Worth, TX $ Portland, OR $ Minneapolis, MN $ Houston, TX $ Dallas, TX $ Washington, DC $ Miami, FL $ San Juan, PR $ Seattle, WA $ Boston, MA $ New York, NY $ Young men are one of the largest uninsured groups in the country Page 11

12 Young Single Women Don t Have to Worry Violette, 29 yr-old Single Female from Seattle, WA: Violette is an aspiring artist who currently works several jobs to make ends meet and uses any money left after paying bills to purchase art supplies. Two years ago, Violette paid more than $220 a month (or over $2,460 a year) for a health insurance plan with no annual deductible. The plan was too expensive for her budget, so she dropped her coverage and went without health insurance for two years. Tired of the constant worry that comes with being uninsured, she did an online search for health insurance. She was able to compare health plans and found a variety of plans she could afford. To economize while protecting herself, Violette decided to purchase a plan with a $1,500 annual deductible which reduced her monthly premium by about 75% to $57.00 a month, saving almost $1,956 annually over her previous plan. Seattle, WA ranked 45 th for single women on The Most Affordable Cities for Individuals to Buy Health Insurance. The lowest monthly premium found for a plan with a $1,000 deductible and 20% coinsurance was $143 a month By purchasing a health plan with a $1,500 annual deductible, Violette was able to save $86 each month, by paying a monthly premium of $57 Page 12

13 Top Ten Cities for Single Women to Buy Health Insurance Rank City Average Monthly Premium 1 Long Beach, CA $54.00 Long Beach, CA is the most affordable city for health insurance for 30- year-old single women 2 Sacramento, CA $ Fresno, CA $ San Diego, CA $ San Jose, CA $ San Francisco, CA $ Oakland, CA $ Los Angeles, CA $ Columbus, OH $ Mesa, AZ $64.77 Page 13

14 Top 50 Cities Surveyed and Ranked Available Policies by the Lowest Average Monthly Premium for Single Women 1 Long Beach, CA $ Sacramento, CA $ Fresno, CA $ San Diego, CA $ San Jose, CA $ San Francisco, CA $ Oakland, CA $ Los Angeles, CA $ Columbus, OH $ Mesa, AZ $ Tucson, AZ $ Omaha, NE $ Cleveland, OH $ Phoenix, AZ $ Virginia Beach, VA $ Kansas City, MO $ Detroit, MI $ St. Louis, MO $ Baltimore, MD $ Milwaukee, WI $ Nashville-Davidson, TN $ Colorado Springs, CO $ Memphis, TN $ Philadelphia, PA $ Tulsa, OK $ Albuquerque, NM $ Atlanta, GA $ Denver, CO $ Jacksonville, Fl $ Honolulu, HI $ Indianapolis, IN $ Oklahoma City, OK $ Chicago, IL $ Portland, OR $ Minneapolis, MN $ Charlotte, NC $ Las Vegas, NV $ Washington, DC $ El Paso, TX $ San Juan, PR $ Austin, TX $ San Antonio, TX $ Seattle, WA $ New Orleans, LA $ Fort Worth, TX $ Dallas, TX $ Houston, TX $ Miami, FL $ Boston, MA $ New York, NY $ The premium prices of the plans for men and women were equal in California cities, Honolulu, Portland, Seattle, New York Minneapolis, San Juan, Washington, DC and Boston The city with the largest difference between plan price for men versus women is New Orleans at 35% Page 14

APPENDIX 1: SURVEY. Copyright 2010 Major, Lindsey & Africa, LLC. All rights reserved.

APPENDIX 1: SURVEY. Copyright 2010 Major, Lindsey & Africa, LLC. All rights reserved. APPENDIX 1: SURVEY Major, Lindsey & Africa Partner Compensation Survey (2010) Dear : Major, Lindsey & Africa invites you to participate in our 2010 MLA Partner Compensation Survey. This Survey, which is

More information

in Large Cities, 1990-2000

in Large Cities, 1990-2000 U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics Special Report Police Departments May 00, NCJ 175703 in Large Cities, - By Brian A. Reaves, Ph.D. and Matthew J. Hickman

More information

Atlanta Rankings 2014

Atlanta Rankings 2014 Atlanta Rankings Major National Magazine and Study Rankings BUSINESS FACILITIES Metro Business Rankings Lowest Cost of Doing Business 2. Orlando, FL 3. Charlotte, NC 4. San Antonio, TX 5. Tampa, FL 6.

More information

District of Columbia State Data Center Quarterly Report Summer 2007

District of Columbia State Data Center Quarterly Report Summer 2007 District of Columbia State Data Center Quarterly Report Summer 2007 Commuting to Work: Bike? Walk? Drive? Introduction by Joy Phillips Robert Beasley In 2005, 45 percent of District residents drove to

More information

ANGELOUECONOMICS 2012 INDUSTRY HOTSPOTS

ANGELOUECONOMICS 2012 INDUSTRY HOTSPOTS ANGELOUECONOMICS 2012 INDUSTRY HOTSPOTS INDUSTRY SPECIALIZATION OF AMERICA'S 100 LARGEST METROPOLITAN AREAS INDUSTRY CLUSTERS 19-24 (of 36) ABOUT THE RANKINGS In the 21 st Century, the engines that drive

More information

Lodging, Rental Car and Meal Taxes on Travelers in the Top 50 U.S. Cities

Lodging, Rental Car and Meal Taxes on Travelers in the Top 50 U.S. Cities Lodging, Rental Car and Meal Taxes on Travelers in the Top 50 U.S. Cities July 2008 Prepared by: American Economics Group, Inc. TABLE OF CONTENTS EXECUTIVE SUMMARY...3 TABLES: COMBINED TAXES ON LODGING,

More information

WWW.IMMIGRANTJUSTICE.ORG/KIDS

WWW.IMMIGRANTJUSTICE.ORG/KIDS On the following pages you will find addresses for: Dept. of Justice Immigration Courts AND Dept. of Homeland Security Offices of Chief Counsel (OCC) DISCLAIMER: The most current addresses for DOJ Immigration

More information

Supplemental Health Insurance Products Inventory Report. May 2014

Supplemental Health Insurance Products Inventory Report. May 2014 Supplemental Health Insurance Products Inventory Report May 2014 1 Health Insurance Options for the Uninsured In May of 2014, Gallup estimated that 13.4% of Americans were uninsured, which means approximately

More information

The MetLife Market Survey of Assisted Living Costs

The MetLife Market Survey of Assisted Living Costs The MetLife Market Survey of Assisted Living Costs October 2005 MetLife Mature Market Institute The MetLife Mature Market Institute is the company s information and policy resource center on issues related

More information

Employee Benefits Alert

Employee Benefits Alert Employee Benefits Alert June 2006 Issue No. 69 Square Pegs: Applying COBRA to Health Reimbursement Arrangements Executive Summary Almost all health reimbursement arrangements (HRAs) must offer COBRA coverage

More information

How much are teachers really paid? A Nationwide Analysis of Teacher Pay

How much are teachers really paid? A Nationwide Analysis of Teacher Pay How much are teachers really paid? A Nationwide Analysis of Teacher Pay September 2014 How much are teachers really paid? A Nationwide Analysis of Teacher Pay by: Pamela Villarreal Senior Fellow at the

More information

Ethernet Access (Formerly Converged Ethernet Access) Operations Manual

Ethernet Access (Formerly Converged Ethernet Access) Operations Manual Ethernet Access (Formerly Converged Ethernet Access) Operations Manual 1. Service Description. Ethernet Access (formerly known as Converged Ethernet Access or Multi-Service Ethernet Access) provides dedicated

More information

Number of Liver Transplants Performed 2003-2004 Updated October 2005

Number of Liver Transplants Performed 2003-2004 Updated October 2005 PEDIATRIC CENTERS PEDIATRIC TRANSPLANT CENTERS Number of Liver Transplants Performed 2003-2004 Updated October 2005 University of Alabama Hospital, Birmingham, AL 3 2 1 University Medical Center, University

More information

Department of Veterans Affairs Quarterly Notice to Congress on Data Breaches Third Quarter of Fiscal Year 2015 April 1, 2015 through June 30, 2015

Department of Veterans Affairs Quarterly Notice to Congress on Data Breaches Third Quarter of Fiscal Year 2015 April 1, 2015 through June 30, 2015 VHA 4/1/15 VISN 01 Boston, MA 1 0 4/15/15 VISN 01 Boston, MA 1 0 4/22/15 VISN 01 Boston, MA 10 0 4/24/15 VISN 01 Boston, MA 1 0 4/27/15 VISN 01 Boston, MA 0 1 4/29/15 VISN 01 Boston, MA 0 1 4/30/15 VISN

More information

The MetLife Market Survey of Nursing Home & Home Care Costs

The MetLife Market Survey of Nursing Home & Home Care Costs The MetLife Market Survey of Nursing Home & Home Care Costs September 2005 MetLife Mature Market Institute The MetLife Mature Market Institute is the company s information and policy resource center on

More information

Made Possible by Generous Support From: RETAIL INSIGHT. Spotlight On Retail Employees

Made Possible by Generous Support From: RETAIL INSIGHT. Spotlight On Retail Employees Made Possible by Generous Support From: RETAIL INSIGHT Spotlight On Retail Employees ABOUT THIS REPORT When many Americans think about retail jobs, they naturally imagine what they see in stores: sales

More information

Grantee City State Award. Maricopa County Phoenix AZ $749,999. Colorado Youth Matter Denver CO $749,900

Grantee City State Award. Maricopa County Phoenix AZ $749,999. Colorado Youth Matter Denver CO $749,900 OAH TEEN PREGNANCY PREVENTION PROGRAM GRANTS July 2015 Capacity Building to Support Replication of Evidence-Based TPP Programs (Tier 1A) Grantee City State Award Maricopa County Phoenix AZ $749,999 Colorado

More information

The Housing Downturn in the United States 2009 First Quarter Update

The Housing Downturn in the United States 2009 First Quarter Update The Housing Downturn in the United States 2009 First Quarter Update May 2009 TABLE OF CONTENTS The Housing Downturn in the United States: 2009 First Quarter Update Introduction The Housing Downturn: National

More information

EVENT LISTINGS CHEER BIDS VARSITY BRAND LOCATION DATE PAID AT LARGE TOTAL

EVENT LISTINGS CHEER BIDS VARSITY BRAND LOCATION DATE PAID AT LARGE TOTAL AMERICAN CHEER POWER San Antonio, TX OCT 17, 2015 1 1 AMERICAN CHEER POWER Garland, TX OCT 24, 2015 1 1 AMERICAN CHEER POWER Columbus, OH OCT 24, 2015 2 2 UCA Minnetonka, MN OCT 31, 2015 1 1 UCA Pueblo,

More information

Online Labor Demand Shows Strong Increases, up 217,900 in December

Online Labor Demand Shows Strong Increases, up 217,900 in December News Release Follow The Conference Board For further information: Peter Tulupman 212-339-0231 / peter.tulupman@conference-board.org Release #5640 Jonathan Liu 212-339-0257 / jonathan.liu@conference-board.org

More information

AT&T Device Support Center Holiday Operating Hours (November/December)

AT&T Device Support Center Holiday Operating Hours (November/December) AT&T Device Support Center Holiday Operating Hours (November/December) Alabama Thanksgiving 11/26 Mobile, AL Closed 9am 7pm 9am 6pm Closed 9am 6pm Closed Birmingham, AL Closed 9am 7pm 9am 6pm Closed 9am

More information

How to Change Your Address with the Immigration Court and Government Attorneys

How to Change Your Address with the Immigration Court and Government Attorneys How to Change Your Address with the Immigration Court and Government Attorneys In this guide, we will review step-by-step how to prepare the forms you need to change your address with the Immigration Court

More information

Rates are valid through March 31, 2014.

Rates are valid through March 31, 2014. The data in this chart was compiled from the physician fee schedule information posted on the CMS website as of January 2014. CPT codes and descriptions are copyright 2012 American Medical Association.

More information

USA IN-PERSON VOTING OPPORTUNITIES 2010 SWEDISH ELECTION

USA IN-PERSON VOTING OPPORTUNITIES 2010 SWEDISH ELECTION USA IN-PERSON VOTING OPPORTUNITIES 2010 SWEDISH ELECTION Anchorage, konsulat Wells Fargo Bank, 301 301 W. Northern Lights Blvd, 5th floor Anchorage, AK 99503 Telefon: +1 907 265 2926 Fax: +1 907 265 2068

More information

2010 Allocations to States of Volume Cap for Qualified School Construction Bonds

2010 Allocations to States of Volume Cap for Qualified School Construction Bonds 2010 Allocations to States of Volume Cap for Qualified School Construction Bonds Total Dollar Allocation by State/ State/Territory Territory Alabama 140,453,000 Alaska 28,163,000 Arizona 171,115,000 Arkansas

More information

Office of Construction & Facilities Management

Office of Construction & Facilities Management Office of Construction & Facilities Management Individual NCA Cost Guides October 2013 MSN 1: Philadelphia Memorial Service Network MSN 2: Atlanta Memorial Service Network MSN 3: Denver Memorial Service

More information

2015 U.S. TOURISM QUALITY PERFORMANCE REPORT RESONANCE REPORT

2015 U.S. TOURISM QUALITY PERFORMANCE REPORT RESONANCE REPORT 2015 U.S. TOURISM QUALITY PERFORMANCE REPORT RESONANCE REPORT RESONANCE CONSULTANCY CREATES DEVELOPMENT STRATEGIES, PLANS, AND BRANDS THAT SHAPE THE FUTURE OF PLACES AROUND THE WORLD. Our team has advised

More information

National Electric Rate Survey

National Electric Rate Survey National Electric Rate Survey Ranking of typical residential, commercial and industrial electric bills 2015 Survey 1040 O Street, P.O. Box 80869 Lincoln, NE 68501-0869 p: 402.475.4211 www.les.com Lincoln

More information

National Bureau for Academic Accreditation And Education Quality Assurance PUBLIC HEALTH

National Bureau for Academic Accreditation And Education Quality Assurance PUBLIC HEALTH 1 GEORGE WASHINGTON UNIVERSITY WASHINGTON DC B Athletic Training 1 MA B 1 BROWN UNIVERSITY PROVIDENCE RI B EAST TENNESSEE STATE UNIVERSITY JOHNSON CITY TN B 3 HUNTER COLLEGE NEW YORK NY B 4 UNIVERSITY

More information

Physical Therapy Marketing Success :: physical therapy assistant schools usa

Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Downloading From Original Website --> http://f-ebook.esy.es/ptsuccess/pdx/fph1

More information

Tax Rates and Tax Burdens In The District of Columbia - A Nationwide Comparison

Tax Rates and Tax Burdens In The District of Columbia - A Nationwide Comparison Government of the District of Columbia Natwar M. Gandhi Chief Financial Officer Tax Rates and Tax Burdens In The District of Columbia - A Nationwide Comparison 2004 Issued August 2005 Tax Rates And Tax

More information

UNITED STATES Census Snapshot: 2010

UNITED STATES Census Snapshot: 2010 UNITED STATES Census Snapshot: 2010 646,464 Husband/wife 131,729 Unmarried partner 514,735 per 1,000 husband/wife per 1,000 husband/wife unmarried partner per 1,000 unmarried partner 5.5 2.3 70.0 per 1,000

More information

America s Best Cities for a Healthy (and More Affordable) Retirement. Rankings of 60 Metropolitan Areas

America s Best Cities for a Healthy (and More Affordable) Retirement. Rankings of 60 Metropolitan Areas America s Best Cities for a Healthy (and More Affordable) Retirement Rankings of 60 Metropolitan Areas 163337 America s Best Cities for a Healthy (and More Affordable) Retirement While it s one of the

More information

2012 Operating Company Technical Service Training Schedules

2012 Operating Company Technical Service Training Schedules 2012 Operating Company Technical Service Training Schedules Cleveland / Convotherm Delfield / McCall Frymaster / Dean Garland / Garland Grill / U.S. Range / Sunfire Jackson Lincoln / Merrychef For more

More information

MLGW s Average Residential Utility Bill Ranks the Lowest

MLGW s Average Residential Utility Bill Ranks the Lowest MLGW s Average Residential Utility Bill Ranks the Lowest Each year, MLGW strives to deliver the highest quality service at the lowest possible rates. One way that we measure our performance is to examine

More information

GROWTH Who We Educate

GROWTH Who We Educate WHO WE ARE (www.artinstitutes.edu), a system of more than 50 schools located throughout North America, provides an important source for design, media arts, fashion and culinary professionals. Several institutions

More information

EMPLOYER PAY OR PLAY EXCISE TAXES WHERE ARE WE NOW?

EMPLOYER PAY OR PLAY EXCISE TAXES WHERE ARE WE NOW? HUMAN CAPITAL PRACTICE ALERT: HEALTH CARE REFORM BILL February 2013 www.willis.com EMPLOYER PAY OR PLAY EXCISE TAXES WHERE ARE WE NOW? Starting in 2014, large employers may incur the so-called pay or play

More information

Trends in U.S. Consumer Broadband Pricing

Trends in U.S. Consumer Broadband Pricing Trends in U.S. Consumer Broadband Pricing (January 2010 to December 2012) Broadband Unlimited CES 2012 Table of Contents Overview / Purpose Trends in Broadband Pricing Downstream Speeds Data Usage Caps

More information

Cornell Law School February 2014 Public Interest Low Income Protection Plan

Cornell Law School February 2014 Public Interest Low Income Protection Plan Cornell Law School February 2014 Public Interest Low Income Protection Plan INTRODUCTION A large number of Cornell Law School students graduate with high educational debts. Many feel that they must obtain

More information

American College of Emergency Physicians

American College of Emergency Physicians American College of Emergency Physicians Military Trauma Cares Learning Health System and its Translation to the Civilian Sector Craig Manifold, DO FACEP Julio Lairet, DO FACEP 18 May 2015 Institute of

More information

Zillow Negative Equity Report

Zillow Negative Equity Report Overview The housing market is finally showing signs of life, with many metropolitan areas having hit the elusive bottom and seeing home value appreciation, however negative equity remains a drag on the

More information

Local chapter Corporate partnership opportunities

Local chapter Corporate partnership opportunities 2014 Local chapter Corporate partnership opportunities Making the American Dream a Reality for Those Who Have Served Us www.varep.net 2014 About VAREP Many real estate and financial service professionals

More information

2010 Utility Bill Comparisons for Selected U.S. Cities

2010 Utility Bill Comparisons for Selected U.S. Cities Memphis Light, Gas and Water 2010 Utility Bill Comparisons for Selected U.S. Cities Electricity Natural Gas Water Wastewater The information in this book has been compiled to ensure maximum accuracy at

More information

50 LARGEST CITIES WATER/WASTEWATER RATE SURVEY A BLACK & VEATCH 2012/2013 REPORT

50 LARGEST CITIES WATER/WASTEWATER RATE SURVEY A BLACK & VEATCH 2012/2013 REPORT 50 LARGEST CITIES WATER/WASTEWATER RATE SURVEY A BLACK & VEATCH 2012/2013 REPORT 2 50 LARGEST CITIES WATER/WASTEWATER SURVEY TABLE OF CONTENTS EXECUTIVE SUMMARY 4 Average Residential Typical Bills Continue

More information

90-400 APPENDIX B. STATE AGENCY ADDRESSES FOR INTERSTATE UIB CLAIMS

90-400 APPENDIX B. STATE AGENCY ADDRESSES FOR INTERSTATE UIB CLAIMS INTERSTATE UIB CLAIMS Alabama Multi- Unit (#01) Industrial Relations Bldg. Montgomery, AL 31604 Alaska Interstate Unit (#02) P.O. Box 3-7000 Juneau, AK 99801 Arizona Interstate Liable Office (#03) Department

More information

Information About Filing a Case in the United States Tax Court. Attached are the forms to use in filing your case in the United States Tax Court.

Information About Filing a Case in the United States Tax Court. Attached are the forms to use in filing your case in the United States Tax Court. Information About Filing a Case in the United States Tax Court Attached are the forms to use in filing your case in the United States Tax Court. It is very important that you take time to carefully read

More information

Demographia United States Central Business Districts (Downtowns)

Demographia United States Central Business Districts (Downtowns) Demographia United States Central Business Districts (Downtowns) With Data for Selected Additional Employment Areas 3d Edition March 2014 Data from CTPP 2006-10 Demographia United States Central Business

More information

ISSUE BRIEF. Health Insurance Marketplace Premiums for 2014

ISSUE BRIEF. Health Insurance Marketplace Premiums for 2014 ASPE ISSUE BRIEF Health Insurance Marketplace Premiums for 2014 On October 1, 2013, a Health Insurance Marketplace will open in each state, providing a new, simplified way to compare individual market

More information

For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369

For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369 News Release For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369 Advertised Job Vacancies Increase in October, The Conference

More information

2015 NFL Annual Selection Meeting R P O CLUB PLAYER POS COLLEGE ROUND 2

2015 NFL Annual Selection Meeting R P O CLUB PLAYER POS COLLEGE ROUND 2 ROUND 2 2 1 33 TENNESSEE 2 2 34 TAMPA BAY 2 3 35 OAKLAND 2 4 36 JACKSONVILLE 2 5 37 NEW YORK JETS 2 6 38 WASHINGTON 2 7 39 CHICAGO 2 8 40 NEW YORK GIANTS 2 9 41 ST. LOUIS 2 10 42 ATLANTA 2 11 43 CLEVELAND

More information

FAST FACTS. The Nursing Workforce 2014: Growth, Salaries, Education, Demographics & Trends

FAST FACTS. The Nursing Workforce 2014: Growth, Salaries, Education, Demographics & Trends FAST FACTS The Nursing Workforce 2014: Growth, Salaries, Education, Demographics & Trends RN Job Growth Rate (new and replacement) By State/Region, 2012-2022) 14 states project an annual growth rate of

More information

Comprehensive Course Schedule

Comprehensive Course Schedule Comprehensive Course Schedule The following designation and certificate courses are sponsored by BOMI International and BOMA Local Associations. Note that all BOMI International courses are also available

More information

DOT HS 811 888 April 2014

DOT HS 811 888 April 2014 TRAFFIC SAFETY FACTS 2012 Data DOT HS 811 888 April 2014 Pedestrians In 2012, 4,743 pedestrians were killed and an estimated 76,000 were injured in traffic crashes in the United States (Tables 1 and 3).

More information

Physical Therapy Marketing Success :: physical therapy assistant schools usa

Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Downloading From Original Website --> http://f-ebook.esy.es/ptsuccess/pdx/fph1

More information

Construction Initiative: Distribution of $24.8 Billion In Bonding Authority Initial Estimates for H.R. 4094

Construction Initiative: Distribution of $24.8 Billion In Bonding Authority Initial Estimates for H.R. 4094 Alabama Alaska Arizona Arkansas California SEA Allocation 208,207 Birmingham City 33,463 Mobile County 51,654 Montgomery County 21,960 QZABS 39,638 Total 354,922 SEA Allocation 47,418 Total 53,398 SEA

More information

FMLA AMENDED TO PROVIDE LEAVE TO

FMLA AMENDED TO PROVIDE LEAVE TO EMPLOYEE BENEFITS ALERT February 2008 Issue 126 FMLA AMENDED TO PROVIDE LEAVE TO MILITARY FAMILIES The Family and Medical Leave Act (FMLA) now grants FMLA leave rights in two additional circumstances that

More information

AXA Advisors Retail Distribution Overview. September 23, 2004

AXA Advisors Retail Distribution Overview. September 23, 2004 AXA Advisors Retail Distribution Overview September 23, 2004 Agenda Retail Distribution Organization Financial Services Industry Climate AXA Advisors - Our Advantage 2003/2004 Initiatives & Accomplishments

More information

U.S. Department of Veterans Affairs: 2015 TCF List of Locations for VA Careers

U.S. Department of Veterans Affairs: 2015 TCF List of Locations for VA Careers U.S. Department of Veterans Affairs: 2015 TCF List of Locations for VA Careers How to Find Job Announcements and Apply VHA offers a designated number of TCF Program positions each year, for 2015 there

More information

Physical Therapy Marketing Success :: physical therapy assistant schools usa

Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Downloading From Original Website --> http://f-ebook.esy.es/ptsuccess/pdx/fph1

More information

Braceros Class Action Settlement CLAIM FORM INFORMATION

Braceros Class Action Settlement CLAIM FORM INFORMATION OVERVIEW: The Mexican Farm Labor Program (popularly known as the bracero program) was a temporary contract labor program initiated by an exchange of diplomatic notes between the USA and Mexico. Braceros

More information

U.S. NEWS RANKING OF MEDICAL COLLEGES 2012

U.S. NEWS RANKING OF MEDICAL COLLEGES 2012 U.S. NEWS RANKING OF MEDICAL COLLEGES 2012 http://grad schools.usnews.rankingsandreviews.com/best graduate schools/top medicalschools/research rankings Best Medical Schools: Research To see full rankings,

More information

The Strategic Assessment of the St. Louis Region

The Strategic Assessment of the St. Louis Region The Strategic Assessment of the St. Louis Region 7th Edition, 2015 WHERE The 7th Edition of Where We Stand (WWS) presents 222 rankings comparing St. Louis to the 50 most populated metropolitan areas in

More information

ALERT HEALTH CARE REFORM LAW HUMAN CAPITAL PRACTICE 90-DAY WAITING PERIOD AND ORIENTATION PERIOD: FINAL REGULATIONS EXPLAINED BACKGROUND

ALERT HEALTH CARE REFORM LAW HUMAN CAPITAL PRACTICE 90-DAY WAITING PERIOD AND ORIENTATION PERIOD: FINAL REGULATIONS EXPLAINED BACKGROUND HUMAN CAPITAL PRACTICE ALERT JULY 2014 www.willis.com HEALTH CARE REFORM LAW 90-DAY WAITING PERIOD AND ORIENTATION PERIOD: FINAL REGULATIONS EXPLAINED Final regulations governing the 90-day waiting period

More information

Tax Rates and Tax Burdens in the District of Columbia - A Nationwide Comparison. Government of the District of Columbia. Vincent C.

Tax Rates and Tax Burdens in the District of Columbia - A Nationwide Comparison. Government of the District of Columbia. Vincent C. Government of the District of Columbia Vincent C. Gray Mayor Jeffrey DeWitt Chief Financial Officer Tax Rates and Tax Burdens in the District of Columbia - A Nationwide Comparison 2013 Issued November

More information

For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369

For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369 News Release For further information: Frank Tortorici (212) 339-0231 Gad Levanon (212) 339-0317 For Immediate Release June Shelp (212) 339-0369 Advertised Job Vacancies Dip in November, The Conference

More information

Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL. Alabama

Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL. Alabama Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Alabama Commission of Higher Education P. O. Box 302000 Montgomery, AL 36130-2000 (334) 242-1998 Fax: (334) 242-0268 Alaska Commission

More information

GROWTH Who We Educate

GROWTH Who We Educate WHO WE ARE (www.artinstitutes.edu), a system of more than 45 education institutions located throughout North America provides an important source for design, media arts, fashion and culinary arts professionals.

More information

Physical Therapy Marketing Success :: physical therapy assistant schools usa

Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Downloading From Original Website --> http://f-ebook.esy.es/ptsuccess/pdx/fph1

More information

FOR RELEASE: 3/23/00 IR-2000-17 IRS EXPANDS LOW-INCOME TAXPAYER CLINIC GRANTS, AWARDS $4.4 MILLION TO PROGRAMS IN 32 STATES

FOR RELEASE: 3/23/00 IR-2000-17 IRS EXPANDS LOW-INCOME TAXPAYER CLINIC GRANTS, AWARDS $4.4 MILLION TO PROGRAMS IN 32 STATES FOR RELEASE: 3/23/00 IR-2000-17 IRS EXPANDS LOW-INCOME TAXPAYER CLINIC GRANTS, AWARDS $4.4 MILLION TO PROGRAMS IN 32 STATES WASHINGTON In another step to expand legal assistance for taxpayers, the Internal

More information

Guarantee. The Advantage. Is a simple plan designed to maximize your home s exposure and minimize the number of days your home is on the market.

Guarantee. The Advantage. Is a simple plan designed to maximize your home s exposure and minimize the number of days your home is on the market. The Advantage Guarantee Is a simple plan designed to maximize your home s exposure and minimize the number of days your home is on the market. Leverage the power of the Internet More people than ever are

More information

JIM KENNERLY AUTUMN PROUDLOVE NC Clean Energy Technology Center (Formerly the NC Solar Center) NC State University

JIM KENNERLY AUTUMN PROUDLOVE NC Clean Energy Technology Center (Formerly the NC Solar Center) NC State University JIM KENNERLY AUTUMN PROUDLOVE NC Clean Energy Technology Center (Formerly the NC Solar Center) NC State University Special Thanks to: Henry Tsai and Tommy Cleveland of the NC Clean Energy Technology Center,

More information

List of Allocation Recipients

List of Allocation Recipients List of Allocation Recipients 4 2012 New Markets Tax Credit Program: List of Allocatees Name of Allocatee Advantage Capital Community Development Fund, LLC New Orleans, LA National $75,000,000 Operating

More information

CPT Codes For Spirometry

CPT Codes For Spirometry Micro Direct, Inc. 803 Webster Street Lewiston, ME 04240 (800) 588-3381 (207) 786-7280 FAX www.mdspiro.com CPT Codes For Spirometry The current Procedural Teminology (CPT) codes defined below are the most

More information

Jim Kennerly Autumn Proudlove

Jim Kennerly Autumn Proudlove Jim Kennerly Autumn Proudlove NC Clean Energy Technology Center (Formerly the NC Solar Center) NC State University Special Thanks to: Henry Tsai and Tommy Cleveland of the NC Clean Energy Technology Center,

More information

IRS ISSUES FINAL REGULATIONS FOR COMPARATIVE EFFECTIVENESS RESEARCH FEES

IRS ISSUES FINAL REGULATIONS FOR COMPARATIVE EFFECTIVENESS RESEARCH FEES HUMAN CAPITAL PRACTICE ALERT: HEALTH CARE REFORM BILL February 2013 www.willis.com IRS ISSUES FINAL REGULATIONS FOR COMPARATIVE EFFECTIVENESS RESEARCH FEES Final regulations on the fee to fund the Patient

More information

Centers of Excellence

Centers of Excellence Centers of Excellence A program of the NMSDC to enhance corporate minority supplier development through knowledge sharing and excellence in implementing NMSDC best practices. Centers of Excellence enhances

More information

Effective: July 1, 2009 Travel Bulletin # 09-04 Expiration: June 30, 2010

Effective: July 1, 2009 Travel Bulletin # 09-04 Expiration: June 30, 2010 DEPARTMENT OF GENERAL SERVICES STATEWIDE TRAVEL MANAGEMENT PROGRAM TRAVEL BULLETIN Effective: July 1, 2009 Travel Bulletin # 09-04 Expiration: June 30, 2010 SUBJECT: DGS Travel Bulletin PURPOSE: Discount

More information

Comprehensive Course Schedule

Comprehensive Course Schedule Comprehensive Course Schedule The following designation and certificate courses are sponsored by BOMI International and BOMA Local Associations. Note that all BOMI International courses are also available

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2012

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2012 The Cost and Benefits of Individual & Family Health Insurance Plans November 2012 Table of Contents Introduction and Background... 3 Methodology Summary... 3 Report Highlights... 4 Major Medical Policies

More information

The Cost And Benefits Of Individual Health Insurance Plans: 2007

The Cost And Benefits Of Individual Health Insurance Plans: 2007 The Cost And Benefits Of Individual Health Insurance Plans: 2007 Contents Introduction and overview 3 Methodology summary 4 Report summary 5 Major Medical Plan Premiums Profile of ehealthinsurance policy

More information

Lawrence P. Katzenstein Partner

Lawrence P. Katzenstein Partner Lawrence P. Katzenstein Partner Direct: (314) 552-6187 Fax: (314) 552-7187 E-mail: lkatzenstein@thompsoncoburn.com Larry practices in the firm s private client services area with a concentration on estate

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011 The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

More information

Overview: FY 2007 Homeland Security Grant Program

Overview: FY 2007 Homeland Security Grant Program U.S. D EPARTMENT OF H OMELAND S ECURITY Overview: FY 2007 Homeland Security Grant Program January 5, 2007 Office of Grants and Training Homeland Security Grant Program Overview A core mission of the Department

More information

Physical Therapy Marketing Success :: physical therapy assistant schools usa

Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Physical Therapy Marketing Success :: physical therapy assistant schools usa Downloading From Original Website --> http://f-ebook.esy.es/ptsuccess/pdx/fph1

More information

UNIVERSITY OF PITTSBURGH SCHOOL OF MEDICINE MATCH RESULTS FOR 2011

UNIVERSITY OF PITTSBURGH SCHOOL OF MEDICINE MATCH RESULTS FOR 2011 UNIVERSITY OF PITTSBURGH SCHOOL OF MEDICINE MATCH RESULTS FOR 2011 ANESTHESIOLOGY- 9 Beth Israel Deaconess Med Center, Boston MA Massachusetts General Hospital, Boston MA (2) Stanford University Programs,

More information

For help in completing your claim form or gathering required documents, please call toll free: 1 (877) 436 9359.

For help in completing your claim form or gathering required documents, please call toll free: 1 (877) 436 9359. If you need help in completing your claim form or gathering required documents, please call 1 (877) Braceros Class Action Settlement CLAIM FORM INFORMATION OVERVIEW: The Mexican Farm Labor Program (popularly

More information

School Desegregation, School Choice and Changes in Residential Location Patterns by Race. By Nathaniel Baum-Snow and Byron F. Lutz.

School Desegregation, School Choice and Changes in Residential Location Patterns by Race. By Nathaniel Baum-Snow and Byron F. Lutz. School Desegregation, School Choice and Changes in Residential Location Patterns by Race By Nathaniel Baum-Snow and Byron F. Lutz Web Appendix Data Appendix Our sample is comprised of the 92 metropolitan

More information

TABLE 37. Higher education R&D expenditures at institutions with a medical school, by state, institutional control, and institution: FY 2011

TABLE 37. Higher education R&D expenditures at institutions with a medical school, by state, institutional control, and institution: FY 2011 TABLE 37. Higher education R&D at institutions with a medical school, by state, institutional Alabama U. AL, Birmingham 503,698 369,116 U. South AL 42,233 16,810 Arizona U. AZ 610,565 160,136 Arkansas

More information

The MetLife Market Survey of Nursing Home & Assisted Living Costs

The MetLife Market Survey of Nursing Home & Assisted Living Costs The MetLife Market Survey of Nursing Home & Assisted Living Costs October 2007 MetLife Mature Market Institute in conjunction with LifePlans, Inc. The MetLife Mature Market Institute Staffed by gerontologists,

More information

ITIL Foundation. Learn about process improvements, benefits, and challenges of ITIL, and get your ITIL Foundation certification.

ITIL Foundation. Learn about process improvements, benefits, and challenges of ITIL, and get your ITIL Foundation certification. ITIL Foundation Learn about process improvements, benefits, and challenges of ITIL, and get your ITIL Foundation certification. In this exciting and dynamic course, you will get an introduction to the

More information

U.S. Lodging Overview What Lies Ahead. Vail R. Brown Vice President, Global Business Development & Marketing

U.S. Lodging Overview What Lies Ahead. Vail R. Brown Vice President, Global Business Development & Marketing U.S. Lodging Overview What Lies Ahead Vail R. Brown Vice President, Global Business Development & Marketing 1 Agenda: 8 May 2012 2012 / 2013 Forecast Total U.S. Review Customer Segmentation Chain Scales

More information

DRAFT - Duke Alumni Association - DRAFT Support for and Expectation of Regional Alumni Groups

DRAFT - Duke Alumni Association - DRAFT Support for and Expectation of Regional Alumni Groups DRAFT - Duke Alumni Association - DRAFT Support for and Expectation of Regional Alumni Groups Group A Co- Chairs and executive Hold at least four board meetings per Hold at least one open board meeting

More information

Regional Cyber Intern Location Mapping

Regional Cyber Intern Location Mapping ATE Center New York ICE/HSI Field Office: New York 1. ICT Center Springfield, MA Springfield Technical Community College 2. NEATEC Troy, NY Hudson Valley Community College 3. RCNGM Hartford, CT CT Community

More information

US News & World Report Best Undergraduate Engineering Programs: Specialty Rankings 2014 Rankings Published in September 2013

US News & World Report Best Undergraduate Engineering Programs: Specialty Rankings 2014 Rankings Published in September 2013 US News & World Report Best Undergraduate Engineering Programs: Specialty Rankings 2014 Rankings Published in September 2013 Aerospace/Aeronautical/Astronautical 2 Georgia Institute of Technology Atlanta,

More information

RECONNECTING OPPORTUNITY YOUTH

RECONNECTING OPPORTUNITY YOUTH RECONNECTING OPPORTUNITY YOUTH Data Reference Guide March 2015 Patrick Sims Opportunity Youth Opportunity youth are young adults aged 16-24 years who are neither connected to school nor work. These young

More information

Total Parkland as Percent of City Land Area

Total Parkland as Percent of City Land Area Total Parkland as Percent of City Land Area FY 2009 Land Area (acres) Total Park Acres Park Acres as Percent of Land Area City Population Density Level: High New York 195,072 38,019 19.5% Washington, D.C.

More information

Volunteering in America 2007 City Trends and Rankings

Volunteering in America 2007 City Trends and Rankings Volunteering in America 2007 City Trends and Rankings Authors From the Office of Research and Policy Development, Corporation for National and Community Service Robert Grimm, Jr., Director and Senior Counselor

More information