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Test Code : LOT-828
Test title : Administering IBM Workplace Services Express 2.6
Vendor title : IBM
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IBM Administering IBM Workplace Services

IBM says Watson AI capabilities will now drudgery on any cloud | killexams.com real Questions and Pass4sure dumps

FILE picture: The IBM logo is seen on the SIBOS banking and fiscal convention in Toronto, Ontario, Canada October 19, 2017. REUTERS/Chris Helgren/File picture

SAN FRANCISCO (Reuters) - IBM Corp introduced on Tuesday that a few of its Watson synthetic intelligence features will now drudgery on rival cloud computing providers as it seeks to win over valued clientele that covet better flexibility in how they keep and resolve statistics.

The announcement builds on IBM’s strikes to position its services as compatible with nearly any variety of laptop infrastructure a consumer desires to operate. other efforts comprehend a pending acquisition of open-supply utility company crimson Hat for $34 billion.

With the trade, corporations could be in a position to expend Watson AI equipment corresponding to Watson Assistant, which may succor them increase conversational services comparable to a digital consumer carrier agent, in cellular apps hosted on Amazon.com Inc and Microsoft Corp in addition to IBM servers.

“With most stupendous agencies storing data across hybrid cloud environments, they want the liberty and selection to celebrate AI to their information at any region it is saved,” Rob Thomas, accustomed manager of IBM records and AI, said in a information liberate on Tuesday because it opened “suppose,” its annual convention in San Francisco to note off novel expertise.

IBM will matter on an open-supply software equipment called Kubernetes to execute the links to rival clouds.

IBM in recent years has sought to bolster its sooner-turning out to be cloud and analytics organizations whereas relocating faraway from slumping hardware items and traditional utility choices.

Charles King, president at know-how consulting company Pund-IT, described extending Watson to different clouds as “a significant step forward in making Watson AI greater consumer-friendly.”

Nick persistence, co-founder and analysis vice chairman at 451 analysis, mentioned IBM’s strategy is an “acknowledgement that they live – and should continue to are living - in a hybrid cloud ambiance where organizations don’t want to be locked into a lone cloud supplier for complete kinds of service, be it for AI or anything.”

Reporting by Paresh Dave; enhancing through Sonya Hepinstall


IBM preps Watson AI functions to Run on Kubernetes | killexams.com real Questions and Pass4sure dumps

Two of IBM’s Watson-branded collection of laptop-intelligence capabilities can be accessible to Run as standalone purposes in the public or deepest cloud of your choice. IBM is providing these native Watson capabilities atop IBM Cloud inner most for data, a mixed analytics and records governance platform that will besides be deployed on Kubernetes. 

Ruchir Puri, CTO and chief architect for IBM Watson, pointed out this changed into driven by customer require for computer studying options that may well be Run the region client facts already resides, usually a multicloud or hybrid cloud ambiance (see linked interview).

“rather than making an attempt to rush the information to a lone cloud, and create a lockin in this open compute-ambiance-pushed world, we're making attainable AI and relocating it to the data,” Puri referred to. The concept follows how Hadoop and other mass records-processing techniques operate drudgery on records in area, instead of moving the records to the processing.

at present, handiest two features—Watson assistant and Watson OpenScale, which Puri described as “flagship products”—should be offered to shoppers as standalone applications. Watson assistant is used to construct “conversational interfaces” reminiscent of chatbots; Watson OpenScale provides “computerized neural community design and deployment,” or a route to teach, installation, and oversee laptop getting to know models and neural networks in an traffic surroundings.

IBM Cloud private for facts is composed of preconfigured microservices that Run on a multinode, Kubernetes-based mostly IBM Cloud private cluster. Puri observed the consumer is expected to operate their personal integration between IBM Cloud deepest for statistics and its local statistics outlets; such integration isn’t handled through IBM without delay. 

Puri made it lucid these local Watson incarnations enact not simply ahead API calls from a local proxy into IBM-hosted Watson. The client runs its personal native incarnation of the provider, delivered atop IBM Cloud private and working in the environment of option. Supported environments comprehend Amazon internet features, Google Cloud, Microsoft Azure, and crimson Hat OpenShift. native Watson features are API-suitable with Watson features operating in IBM Cloud.

What’s likely to trade is the results delivered from native Watson incarnations versus the grasp edition of Watson, because the local models needs to be periodically up-to-date. Puri couldn't provide a selected timeline for a route regularly novel versions of local Watson functions will approach down the pike (quarterly, yearly, and so forth.), but he did verify that it should be updated “on a comparatively generic groundwork.”

The volume of equipment materials vital to dedicate to a Watson service instance varies counting on the workload. Some SLAs for the provided products consist of a prescription for the computing environment (memory, cores, GPUs) required for the desired performance, Puri stated. both virtualized and naked-metal deployments are supported.

different Watson services will be made available locally atop IBM Cloud private later. IBM plans later in 2019 to bring Watson talents Studio, which “discovers meaningful insights from unstructured text with out writing any code,” and Watson herbal Language figuring out, an automatic metadata extraction tool. The latter, Puri stated, is already used in Watson assistant as an internal microservice, so many of the drudgery to port it to a local incarnation has already been achieved.

This novel incarnation of Watson capabilities provides a glimpse into probably the most motives round IBM’s acquisition of pink Hat. IBM Cloud inner most can expend the Kubernetes-powered OpenShift as its base, and Watson’s services were reworked over a three-yr duration round Kubernetes and containers, Puri stated. as soon as purple Hat is absolutely below IBM’s umbrella, it looks doubtless that purple Hat’s infrastructure talents will unlock cloud portability for future IBM records-centric functions, Watson and otherwise.


Analysts cheer IBM's circulation To execute Watson obtainable pass-Cloud | killexams.com real Questions and Pass4sure dumps

IBM (NYSE: IBM)’s dart to execute its Watson AI expertise purchasable on competing cloud functions is a good, analysts referred to following the computing enterprise’s annual IBM account gathering.

IBM said on the annual adventure this week in San Francisco that, in preference to require clients to convey their statistics to Watson AI on IBM cloud functions, the company will pick Watson AI to them in the event that they expend another cloud service.

during the past, IBM has handiest made its Watson application available on IBM’s cloud computing service. but it surely introduced at IBM feel which will now permit Watson for expend via valued clientele with data that can be kept in competing cloud information facilities, akin to Microsoft organisation (NASDAQ: MSFT)’s Azure and Amazon.com Inc. (NASDAQ: AMZN)’s Amazon internet features.

BofA

IBM's new dedication to drudgery across complete platforms, together with competing ones, to capitalize access to an even bigger market probability turned into the most high-quality exchange in approach at IBM and a benign one, bank of the united states Merrill Lynch's Wamsi Mohan talked about in a Thursday observe. 

IBM didn’t update its 2019 information, however spoke of the company is confident in its capacity to meet Q1 earnings per share estimates, the analyst noted. 

BofA has a purchase rating on IBM with a cost target of $165.

Morgan Stanley

Morgan Stanley’s Katy Huberty additionally focused on IBM’s novel openness with Watson, as well as noting IBM’s announcement of novel capabilities to aid consumers migrate drudgery to the cloud and control hybrid cloud or multicloud environments.

those capabilities, Huberty referred to, will leverage IBM’s world company capabilities application functions and consulting arm and its world expertise capabilities infrastructure and hardware arm to supply conclusion-to-conclusion functions, which the company talked about has benign margins.

IBM administration mentioned there are not any signals of a slowdown in consulting, which traditionally is a leading indicator of economic cycles, the analyst mentioned. 

Morgan Stanley has no ranking accessible on IBM. The sell-facet difficult is advising pink Hat Inc (NYSE: RHT) in the case of IBM’s stream to acquire the company.

fee motion

IBM stock turned into up 0.78 p.c at $137.55 on the time of booklet Friday. 

connected hyperlinks:

How IBM Watson performs in the Fintech space

IBM Nails profits, but may be Overbought in the immediate term

latest scores for IBM

Date firm action From To Dec 2018 RBC Capital continues Outperform Outperform Oct 2018 UBS maintains purchase purchase Oct 2018 Argus Downgrades buy dangle

View greater Analyst ratings for IBMView the latest Analyst scores

See more from Benzinga

© 2019 Benzinga.com. Benzinga doesn't give investment advice. complete rights reserved.


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House Labor Committee Issues Testimony From Georgetown University | killexams.com real questions and Pass4sure dumps

WASHINGTON, Feb. 6 -- The Education and Labor Committee issued the following testimony by Sabrina Corlette, research professor at Georgetown University's center on Health Insurance Reforms, at a hearing entitled "Examining Threats to Workers with Preexisting Conditions":

"Good morning, Mr. Chairman, Ranking Member Foxx, members of this committee. I am Sabrina Corlette, a Research Professor at Georgetown University's center on Health Insurance Reforms (CHIR). I am liable for directing research and analysis on health insurance, health insurance markets, and implementation of the Patient Protection and Affordable care Act (ACA). The views I express today are my own and enact not reflect those of Georgetown University.

"I thank you for the chance to testify, and for the leadership of this Committee in addressing the exigency for affordable job-based coverage, particularly for those with pre-existing conditions. In my testimony I will debate many of the challenges that people with pre-existing conditions faced in obtaining affordable, adequate insurance before the ACA was enacted, how the ACA was designed to address those challenges, and how current threats to the ACA could contain disproportionately harmful effects on individuals and workers with health care needs.

The ACA Corrected Many Problems in a Dysfunctional Insurance Market

"The Affordable care Act was enacted in share to reform sober deficiencies in health insurance markets that left millions uninsured and millions more with inadequate coverage that failed to protect them from sober financial harm if and when they got sick. In order to assess the impact the ACA has had, it is Important to understand the problems that Congress was seeking to resolve when it enacted the law in 2010.

"Prior to implementation of the Affordable care Act's market reforms, approximately 48 million Americans lacked health insurance.1 Those without health insurance contain a lower life expectancy than those with coverage. Before the ACA was enacted, an estimated 22,000 people per year died prematurely because they lacked insurance.2 This is likely because the uninsured are more than six times as likely as the insured to deliberate or forego needed care due to costs. For example, uninsured cancer patients are more than five times more likely than their insured counterparts to forego cancer treatment due to cost.3

"Being uninsured besides results in financial insecurity. In 2010, when the ACA was enacted, sixty percent of the uninsured reported having problems with medical bills or medical debt.4 Additionally, prior to the ACA, the high and rising uninsured rate led to high and rising uncompensated care costs for providers, in 2009 estimated at $1000 worth of services per uninsured person.5 Providers ultimately pass those costs onto insured consumers and taxpayers.

"Prior to the ACA, for most workers with job-based coverage, leaving their job - to care for a loved one, start their own business, or pursue other drudgery that better appropriate their skills and talents - meant leaving the guarantee of subsidized health insurance coverage sponsored by the employer for the suspicion of the individual health insurance marketplace. Economists convene this "job lock." Until 2014, the individual health insurance market was an inhospitable place, particularly for anyone in less than impeccable health. That's a lot of us - an estimated 133 million Americans contain at least one pre-existing condition.6

"Additionally, although most great employer plans were relatively comprehensive and affordable before the ACA, some plans offered only skimpy coverage or had other barriers to accessing care, leaving individuals--particularly those with costly, confirmed health conditions--with great bills and uncovered medical care. For that reason, in addition to reforms for the individual and small-employer insurance markets, the ACA extended several meaningful protections to employees of great businesses.

Problems with Access

"Prior to the ACA, in most states, applicants for health insurance could be denied a policy because of their health status, or charged more in premiums based on their health and gender, along with a number of other factors.7 For many, coverage was often simply not available at any price. One of the many ways insurers maximized revenue was through aggressive underwriting practices resulting in a denial of coverage to individuals posing a potential health risk.8 A Georgetown University study institute that even people with minor health care conditions, such as hay fever, could be turned down for coverage.9

"A U.S. Government Accountability (GAO) study in 2011 institute that middling insurer denial rates were 19 percent, but they varied dramatically market-to-market and insurer-to-insurer. For example, across six insurers in one state, denial rates ranged from 6 percent to 40 percent.10 These underwriting practices were banned by the ACA in 2014.

"Additionally, it was not uncommon for insurers to rescind coverage after they had accepted an applicant. If an enrollee had any health care claims within their first year of coverage, the insurer would investigate that person's health history. If they institute evidence that their condition was a pre-existing one and not fully disclosed during the initial underwriting process, even if unintentional, the company would traverse the pertinent claims and rescind or cancel the coverage.11 The ACA has prohibited this drill except in lucid cases of fraud by the policyholder.

Problems with Affordability

"Prior to the Affordable care Act, individual insurance was often unaffordable. Unlike those with employer sponsored coverage or in public programs enjoy Medicare or Medicaid, people with individual insurance had to pay the replete cost of their premium. According to one national survey prior to the ACA, 31 percent of individual market respondents spent 10 percent or more of their income on premium costs.12 And, although those leaving job-based coverage were guaranteed access to an individual policy so long as they maintained continuous coverage, federal rules did not restrict how much insurers could charge in premiums based on their age, gender, or health status.

"As a result, the cost of premiums caused many individuals to forego coverage completely. A national survey institute that nearly three-quarters (73 percent) of people seeking coverage in the individual market did not finish up buying a plan, most often because the premium was too high. The coverage was least affordable for those individuals who needed it the most - people with pre-existing conditions.

"Prior to the ACA, older and less sound individuals had to pay more for coverage because health insurers would segment their enrollees into different groups and charge them different prices based on their health or other risk factors. In practice, this meant that people would be charged more because of a pre-existing condition (even if they had been symptom-free for years), because of their age, gender (insurers assume women expend more health care services than men), family size, geographic location, the drudgery they do, and even their lifestyle.13 A Georgetown University study of insurers' rating practices before the Affordable care Act institute rate variation of more than nine-fold for the selfsame policy based on age and health status.14

"Under the Affordable care Act, using health status and gender to set premium rates is prohibited. In addition, the Affordable care Act provides low- and moderate-income people between 100 and 400 percent of the federal poverty line with subsidies to succor defray their premium costs. In 2018, the middling monthly premium tax credit was $550, resulting in an middling monthly premium for consumers receiving a premium tax credit of $89.15

Problems with Coverage Adequacy

"Prior to the Affordable care Act, coverage in the individual market was often inadequate to meet people's health care needs. In addition to paying more in premiums, people in the individual market besides spent a larger share of their income on cost-sharing than those with employer-sponsored coverage. A primary understanding people buying individual insurance coverage had high out-of-pocket costs was that many individual plans - over half according to one study - did not meet minimum standards for coverage.16 Coverage in the individual market was inadequate for a number of reasons, including:

* Pre-existing condition exclusions: in many states, insurers in both the individual and employer group markets were permitted to permanently or for a period of time exclude from covered benefits treatments for any health problem that a consumer disclosed on their application. This drill was banned under the Affordable care Act.

* capitalize exclusions: Insurers in the individual market often sold policies that did not cover basic benefits such as maternity care, prescription drugs, mental health, and purport expend treatment services. For example, 20 percent of adults with individual insurance lacked coverage for prescription medicines before the Affordable care Act.17 The Affordable care Act requires insurers in the individual and diminutive employer markets to cover a minimum set of essential health benefits that includes maternity services, prescription drugs, and mental health and purport expend treatment. The ACA besides requires plans, including employer plans, to cover recommended preventive services without consumer cost-sharing.

* high out-of-pocket costs: Prior to the Affordable care Act, individual insurance policies often came with high deductibles - $10,000 or more was not uncommon - and high cost-sharing.18 In fact, deductibles were often three times what they were in employer-sponsored plans. As a result, many individual insurance plans were extremely low-value. The ACA requires plans to cover, at minimum, 60 percent of an middling enrollee's covered health care costs. The law besides helps protect consumers in both individual and employer plans from catastrophic medical costs by capping their annual out-of-pocket spending (for 2019, the annual cap is $7900 per individual).

* Lifetime or annual dollar limits on coverage: Prior to enactment of the ACA, an estimated 102 million people were in plans with a lifetime restrict on benefits and about 20,000 people hit those limits every year. An estimated 18 million people were in plans with annual dollar limits on their benefits. For people with sober high cost medical conditions, such as hemophilia, sober cancers, or end-stage renal disease, this can literally be a life or death issue. The ACA ushered in bans on lifetime and annual dollar limits for both individual and employer group plans.

The ACA: Expanding Coverage, Protecting People with Health care Needs

"One of Congress' goals for the ACA was to extend affordable, adequate health insurance coverage to more people and to protect people with pre-existing conditions from common insurance industry practices, described above. Congress tried to achieve these goals through a three-pronged strategy:

* Insurance reforms for the individual and employer group markets to succor people with health care needs;

* An individual mandate to animate sound people to enroll in the insurance pool and keep premiums stable; and

* Subsidies to succor people afford the insurance coverage (with Medicaid expansion available for people under 138 percent of the federal poverty line). The Affordable care Act besides created state-based insurance marketplaces where people can apply for the subsidies and shop for plans.

"To a significant degree, the ACA has achieved its goals. It has expanded access to insurance coverage, improved health outcomes, and improved families' financial security. Under the ACA, the percentage of people uninsured declined from 14.5 percent in 2013 to 9.1 percent in 2017. An estimated 20 million people gained insurance coverage because of the ACA, although some recent survey data intimate those gains are now being reversed.19,20

"The goal of expanding coverage is ultimately to better people's health outcomes and their financial security in the event of an unexpected illness or injury. Although the law is only a few years old, data are beginning to emerge that intimate it is having a significant positive impact.

"Since enactment of the ACA, the percentage of Americans reporting that they didn't discern a doctor or fill a prescription because they couldn't afford it has declined by more than one-third.21 Further, more people are reporting that they contain a primary care doctor or contain had a check-up in the last 12 months.22

"Research besides strongly suggests that expanding access to coverage leads to better health outcomes. For example, studies of the health reforms in Massachusetts, upon which the ACA was modeled, contain institute that coverage expansion in that condition led to reported improvements in physical and mental health, as well as reductions in mortality.23 A Harvard study institute that expanded coverage under the ACA was linked to major improvements in the diagnosis and treatment of confirmed diseases such as hypertension, diabetes, and high cholesterol.24

"In addition to improving access to care, health insurance besides provides financial security, particularly in the event of a large, unanticipated medical expense. Survey data note that the number of families who whine they are having problems paying medical bills has fallen dramatically since 2013, particularly among low- and moderate-income families.25

"The ACA has besides helped reduce uncompensated care costs borne by providers. For example, hospital-based uncompensated care fell by over 25 percent between 2013 and 2015, and in Medicaid expansion states it has fallen by closer to 50 percent.26

"Unfortunately, much of the progress under the ACA is at risk due to litigation that threatens to overturn the law, as well as recent federal policy decisions designed to roll back key provisions of the law and bypass consumer protections. Ultimately, some of these decisions are likely to result in consumers in the individual market facing higher premiums and fewer device choices, while putting protections for workers with job-based coverage at risk.

Health System Upheaval and Workers attach at Risk: Consequences of Overturning and Undermining the ACA

Texas v. Azar: ACA "Repeal" without "Replace"

"The attorney generic of Texas leads a coalition of states seeking to contain the ACA enjoined, arguing that the individual mandate is unconstitutional, and the ease of the law is non-severable from the mandate provision. A district court arbiter has agreed with that view, although he has stayed enjoining the law while his decision is being appealed.27 Granting Texas' request to enjoin the ACA amounts to an exertion to repeal the law without any lucid public policy to supersede it. Congress explicitly rejected repealing the ACA without a replacement in 2017. This is because uprooting a intricate law that has been in region for almost 10 years, touches almost every facet of their health care system, and includes many provisions with widespread bipartisan back (such as allowing puerile adults to linger on their parents' plans until age 26, closing the Medicare drug capitalize "donut hole," and expanding Medicaid) will inevitably result in melodramatic negative consequences:

"First, an estimated 32 million people will lose their insurance coverage.28 Second, those remaining in the individual market would discern their premiums roughly double.29

"Third, even a partial repeal of the provisions of the ACA would primarily harm working middle class Americans. The majority of people losing coverage - as many as 82 percent - would be in working families.30 Fourth, repealing the ACA will contain significant negative consequences for public health and safety. For example, researchers from Harvard and novel York University institute that repealing the ACA would result in 1.25 million Americans with sober mental conditions losing coverage. They further appraise that 2.8 million Americans with a purport expend disorder, including roughly 222,000 with an opioid-related disorder, would lose coverage.31

"Fifth, repealing the ACA will drive insurance companies out of the market. The CBO estimated that legislation repealing the ACA would leave an estimated three-fourths of the nation's population in areas where no insurers are willing to present nongroup coverage by 2026.32 These estimates align with my own research at Georgetown, in which colleagues and I conducted interviews with 13 health insurance company executives participating in the individual markets in 28 states. In those interviews, executives told us they would "seriously consider" a market withdrawal if the ACA were repealed.33

"Sixth, an increase in the uninsured will impose significant financial harm on hospitals and other health care providers. For example, repealing the ACA without a replacement was estimated to cost the nation's public hospitals $54.2 billion in uncompensated care charges between 2018 and 2026.34

"Seventh, repeal of the ACA would lead to significant negative economic consequences. For example, repealing just the Medicaid expansion and Affordable care Act tax credits would result in an estimated loss of 2.6 million jobs across the country.35

"Eighth, and importantly for this committee, overturning the ACA would besides harm the estimated 156 million Americans with job-based insurance who will lose faultfinding protections, including:36

Preventive Services Without Cost-Sharing

"The ACA requires complete novel health plans, including those sponsored by employers, to cover recommended preventive services without cost-sharing, bringing novel benefits to 71 million Americans.37 That means individuals can procure the screenings, immunizations, and annual check-ups that can catch illness early or preclude it altogether without worrying about meeting a costly deductible or co-payment. Women employees can besides access affordable contraception, making available a wider variety of contraceptive choices and increasing expend of long-term contraceptive methods.

Pre-Existing Condition Exclusions

"Under the ACA, employers cannot impose a waiting period for coverage of a pre-existing condition. Prior to the ACA, individuals who became eligible for an employer plan--for example, once hired for a novel job--might contain to wait up to 12 months for the device to cover pre-existing health conditions. You could "buy down" that waiting period with months of coverage under another plan, so long as it was the right kindly of device and you didn't vanish without coverage for 63 days or more. But if you lost your job, couldn't afford COBRA, went a few months without coverage and then were lucky enough to procure another job with benefits, you might find the care you needed wasn't covered under your device for an entire year.

Dependent Coverage to Age 26

"The ACA requires complete health plans, including those sponsored by great employers, to cover dependents up to age 26. Prior to the ACA, one of the fastest growing groups of uninsured was puerile adults - not because they turned down coverage offered to them, but because they were less likely to contain access to employer-based plans or other coverage. The result has been a melodramatic increase in the number of insured puerile adults, particularly among those with employer-sponsored coverage.

Annual Out-Of-Pocket Limit

"The ACA requires complete novel health plans, including those sponsored by employers, to cap the amount individuals can be expected to pay out-of-pocket each year. Prior to the ACA, even those with the security of coverage on the job couldn't matter on protection from crippling out-of-pocket costs.

Prohibition On Annual and Lifetime Limits

"The ACA prohibits employer plans from having an annual or lifetime dollar restrict on benefits. Prior to the ACA, employer plans often included a cap on benefits; when employees hit the cap, the coverage lop off. For individuals who needed costly care, enjoy a baby born prematurely or those with hemophilia or multiple sclerosis, that often meant a desperate scramble to find novel coverage options as one after another capitalize restrict was reached.

External Review

"The ACA guarantees individuals the right to an independent review of a health plan's decision to traverse benefits or payment for services, regardless of whether the employer device is insured or self-funded. Prior to the ACA, only workers in insured plans had the right to an independent review of a denied claim. But more than 60 percent of workers are in self-funded plans, and before the ACA, the only option for those workers to hold their device accountable was to sue, an expensive and lengthy process.38

Administrative Actions to Roll Back ACA Result in Higher Prices for Older, Sicker Americans

"In 2016, financial data from insurers demonstrate that the ACA markets were beginning to stabilize and insurers were gaining their footing after a rocky start.39 Indeed, in 2017 the CBO concluded that the ACA's insurance markets would likely be stable in most places if left unchanged.40 Consistent with this projection, 2017 appears to contain been a profitable year for most individual market insurers.41

"Unfortunately, my own review of insurers premium rate justifications (referred to as actuarial memoranda) for device years 2018 and 2019 institute that recent policy changes are putting the stability of the individual market at risk.42 Specifically:

"The Trump administration's decision in October of 2017 to lop off reimbursement to insurers for low cost-sharing plans (called cost-sharing reduction or CSR plans) resulted in significant premium increases in 2018. Additionally, the suspicion about that decision, which the President had been threatening for months, was a contributing factor for some insurers to either exit the marketplaces or reduce their service areas.

"Additionally, although Congress did not zero out the individual mandate penalty until 2019, many insurers increased premiums for 2018 coverage on the expectation that the Trump administration would not implement the individual mandate.

"Similarly, insurers increased premiums due to the Trump administration's decision to reduce spending on marketplace advertising and consumer assistance, which are faultfinding for educating and enrolling the sound uninsured. For example, a Cigna filing for 2018 famed that they expected a smaller and sicker population in their risk pool due to the lower "overall awareness of individual health insurance products."

"Going into 2019, insurers predicted that their risk pools would be smaller and sicker due to "potential movement into other markets." These markets comprehend association health plans and short-term health plans, both of which are exempt from many of the Affordable care Act's consumer protections and are being promoted by the Trump administration as cheaper alternative coverage.

"Individuals who are eligible for the ACA's premium tax credits are largely insulated from these premium increases because the tax credit rises, dollar for dollar, with the increase in premiums for silver smooth health plans. The people who suffer the most from these premium increases are the working middle class: entrepreneurs who Run their own businesses, freelancers and consultants, independent contractors, farmers and ranchers, and early retirees who rate too much to qualify for the ACA's premium subsidies.

"For people with job-based coverage, the higher prices and suspicion roiling the individual market inevitably leads to more "job lock," as people linger in jobs that guarantee health benefits, even if their skills and talents are not optimally deployed.

Conclusion

"The ACA is by no means perfect, and there remain many people who struggle to find affordable health care coverage. Even the law's most ardent supporters admit that more could be done to animate states to expand Medicaid, succor families who rate too much to qualify for subsidies, reduce unreasonable deductibles, and better access for those who are otherwise ineligible for coverage. There are a compass of policy options that would strengthen the law's foundation while besides building on its remarkable achievements. I cheer this committee for providing a forum for constructive debate on these issues. Thank you, and I search forward to your questions."

* * *

Footnotes:

1 DeNavas-Walt C, Proctor BD, Smith J. Income, Poverty, and Health Insurance Coverage in the United States: 2012, U.S. Census Bureau, Sept. 2013. Available at https://www.census.gov/prod/2013pubs/p60-245.pdf.

2 Dorn S. Uninsured and Dying Because of It, The Urban Institute, Jan. 2008. Available at https://www.urban.org/sites/default/files/publication/31386/411588-Uninsured-and-Dying-Because-of-It.PDF.

3 Lives on the Line: The Deadly Consequences of Delaying Health Reform, Families USA, Feb. 2010. Available at http://familiesusa.org/sites/default/files/product_documents/delaying-reform.pdf.

4 Cunningham, P. and Sommers, A. Medical Bill Problems even for U.S. Families 2007-2010, center for Studying Health System Change, Dec. 2011. Available at http://www.hschange.org/CONTENT/1268/?words=tracking%20report%2028.

5 Hu, L. et al. The result of the Patient Protection and Affordable care Act Medicaid Expansions on financial Wellbeing, National Bureau of Economic Research, Feb. 2018. Available at http://www.nber.org/papers/w22170.

6 Office of the assistant Secretary for Planning and Evaluation, Health Insurance Coverage for Americans with Pre-Existing Conditions: The impact of the Affordable care Act, Issue Brief, Jan. 2017. Available at https://aspe.hhs.gov/system/files/pdf/255396/Pre-ExistingConditions.pdf.

7 Corlette S, Volk J, Lucia K. real Stories, real Reforms. Robert Wood Johnson Foundation, Sept. 2013. Available at https://georgetown.app.box.com/file/124506387872.

8 U.S. Government Printing Office, Senate Hearing 113-663. A New, Open Marketplace: The result of Guaranteed Issue and novel Rating Rules, U.S. Senate Health, Education, Labor & Pension Committee, Apr. 11, 2013. Available at https://www.gpo.gov/fdsys/pkg/CHRG-113shrg95186/html/CHRG-113shrg95186.htm.

9 Pollitz K, Sorian R. How Accessible is Individual Health Insurance for Consumers in Less-than-perfect Health? Georgetown University and Kaiser Family Foundation, Jun. 2001. Available at https://kaiserfamilyfoundation.files.wordpress.com/2013/01/how-accessible-is-individual-health-insurance-for-consumers-in-less-than-perfect-health-executive-summary-june-2001.pdf.

10 U.S. Government Accountability Office. Private Health Insurance: Data on Application and Coverage Denials, Mar. 2011. Available at https://www.gao.gov/assets/320/316699.pdf.

11 Girion L. Health Insurer Tied Bonuses to Dropping Sick Policyholders, Los Angeles Times, Nov. 9, 2007. Available at http://articles.latimes.com/2007/nov/09/business/fi-insure9.

12 Collins SR, Robertson R, Garber T, Doty MM. Insuring the Future: Current Trends in Health Coverage and the Effects of Implementing the Affordable care Act, The Commonwealth Fund, Apr. 2013. Available at http://www.commonwealthfund.org/~/media/Files/Publications/Fund%20Report/2013/Apr/1681_Collins_insuring_future_biennial_survey_2012_FINAL.pdf.

13 Buntin MB, Marquis MS, Yegian JM. The Role Of The Individual Health Insurance Market And Prospects For Change, Health Affairs, Nov./Dec. 2004. Available at https://www.healthaffairs.org/doi/pdf/10.1377/hlthaff.23.6.79.

14 Pollitz K, Sorian R. How Accessible is Individual Health Insurance for Consumers in Less-than-perfect Health?

15 Kaiser Family Foundation. Marketplace middling Premiums and middling Advanced Premium Tax Credit (APTC), Open Enrollment 2018. Available at https://www.kff.org/health-reform/state-indicator/marketplace-average-premiums-and-average-advanced-premium-tax-credit-aptc/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D.

16 Gabel JR et al. More Than Half Of Individual Health Plans present Coverage That Falls Short Of What Can be Sold Through Exchanges As Of 2014, Health Affairs, Jun. 2012. Available at https://www.healthaffairs.org/doi/abs/10.1377/hlthaff.2011.1082.

17 Doty MM, Collins SR, Nicholson JL, Rustgi SG. Failure to Protect: Why the Individual Insurance Market Is Not a Viable Option for Most U.S. Families

18 McDevitt R et al. Group Insurance: A Better Deal For Most People Than Individual Plans, Health Affairs, Jan. 2010. Available at https://www.healthaffairs.org/doi/full/10.1377/hlthaff.2009.0060.

19 Cohen RA, Zammitti EP, Martinez ME. Health Insurance Coverage: Early Release of Estimates From the National Health Interview Survey, 2017, Centers for Disease Control and Prevention, National center for Health Statistics, May 2018. Available at https://www.cdc.gov/nchs/data/nhis/earlyrelease/insur201805.pdf.

20 Gallup News, U.S. Uninsured Rate Rises to Four-Year High, January 23, 2019. Available at https://news.gallup.com/poll/246134/uninsured-rate-rises-four-year-high.aspx.

21 McCarthy, J. U.S. Women More Likely Than Men to attach Off Medical Treatment, Gallup, Dec. 2017. Available at http://news.gallup.com/poll/223277/women-likely-men-put-off-medical-treatment.aspx.

22 Karpman, M. et al. Time for a Checkup: Changes in Health Insurance Coverage, Health care Access and Affordability, and device Satisfaction among Parents and Children between 2013 and 2015, Urban Institute, Jan. 2016. Available at http://hrms.urban.org/briefs/changes_coverage_access_affordability_parents_children.pdf.

23 Van Der Wees, PJ, et al. Improvements In Health Status After Massachusetts Health care Reform, National center for Biotechnology Information, Dec. 2013. Available at https://www.ncbi.nlm.nih.gov/pubmed/24320165.

24 Hogan DR et al. Estimating The Potential impact Of Insurance Expansion On Undiagnosed And Uncontrolled confirmed Conditions, Health Affairs, Sept. 2015. Available at https://www.healthaffairs.org/doi/abs/10.1377/hlthaff.2014.1435.

25 Karpman, M and Long, S. 9.4 Million Fewer Families Are Having Problems Paying Medical Bills, Urban Institute, May 2015. Available at http://hrms.urban.org/briefs/9-4-Million-Fewer-Families-Are-Having-Problems-Paying-Medical-Bills.pdf.

26 Schubel, J and Broaddus, M. Medicaid Waivers That Create Barriers to Coverage Jeopardize Gains, May 2018. Available at https://www.cbpp.org/research/health/uncompensated-care-costs-fell-in-nearly-every-state-as-acas-major-coverage.

27 Texas v. Azar... https://affordablecareactlitigation.files.wordpress.com/2018/12/Texas-v.-US-partial-summary-judgment-decision.pdf

28 Congressional Budget Office. Cost Estimate: H.R. 1628, Obamacare Repeal Reconciliation Act of 2017, Jul. 2017. Available at https://www.cbo.gov/system/files/115th-congress-2017-2018/costestimate/52939-hr1628amendment.pdf.

29 Id.

30 Blumberg L, Buettgens M, Holahan J. Implications of Partial Repeal of the ACA Through Reconciliation, Urban Institute, Dec. 2016. Available at https://www.urban.org/sites/default/files/publication/86236/2001013-the-implications-of-partial-repeal-of-the-aca-through-reconciliation_1.pdf.

31 outspoken RG, Glied SA. keep Obamacare to keep Progress on Treating Opioid Disorders and Mental Illnesses, The Hill, Jan. 2017. Available at http://thehill.com/blogs/pundits-blog/healthcare/313672-keep-obamacare-to-keep-progress-on-treating-opioid-disorders.

32 Congressional Budget Office. Cost Estimate: H.R. 1628, Obamacare Repeal Reconciliation Act of 2017, Jul. 2017.

33 Corlette S, Lucia K, Giovannelli J, Palanker D. Uncertain Future for Affordable care Act Leads Insurers to Rethink Participation, Prices, Georgetown University and Robert Wood Johnson Foundation, Jan. 2017. Available at https://georgetown.app.box.com/file/127781433019.

34 America's Essential Hospitals. ACA Replacement Must Protect Vulnerable People, Communities, Feb. 2017. Available at https://essentialhospitals.org/wp-content/uploads/2017/02/UCC-policy-brief-February-2017-FINAL.pdf.

35 Ku L, Steinmetz E, Brantley E, Bruen B. Repealing Federal Health Reform: Economic and Employment Consequences for States, The Commonwealth Fund, Jan. 2017. Available at http://www.commonwealthfund.org/~/media/files/publications/issue-brief/2017/jan/ku-aca-repeal-job-loss/1924_ku_repealing_federal_hlt_reform_ib.pdf.

36 Rae M., Claxton G., Levitt L., McDermott D., Long-Term Trends in Employer-Based Coverage, Kaiser Family Foundation, January 30, 2019. Available at https://www.healthsystemtracker.org/brief/long-term-trends-in-employer-based-coverage/.

37 U.S. Department of Health & Human Services, assistant Secretary for Planning and Evaluation, Seventy-one Million Additional Americans are Receiving Preventive Services Coverage without Cost-sharing Under the Affordable care Act, March 18, 2013. Available at https://aspe.hhs.gov/pdf-report/seventy-one-million-additional-americans-are-receiving-preventive-services-coverage-without-cost-sharing-under-affordable-care-act.

38 Kaiser Family Foundation, 2018 Employee capitalize Survey, October 3, 2018. Available at https://www.kff.org/report-section/2018-employer-health-benefits-survey-section-10-plan-funding/.

39 Banerjee D. The ACA Individual Market: 2016 Will be Better Than 2015, But Achieving Target Profitability Will pick Longer, S&P Global Ratings, Dec. 2016. discern besides Herman B. How some Blues made the ACA drudgery while others failed. Modern Healthcare. October 15, 2016. Available at www.modernhealthcare.com/article/20161015/MAGAZINE/310159989.

40 H.R. 1628 American Health care Act of 2017, Congressional Budget Office, May 2017. Available at https://www.cbo.gov/system/files/115th-congress-2017-2018/costestimate/hr1628aspassed.pdf.

41 Cox C, Semanskee A, Levitt L. Individual Insurance Market Performance in

2017, Kaiser Family Foundation, May 2018. Available at http://files.kff.org/attachment/Issue-Brief-Individual-Insurance-Market-Performance-in-2017.

42 discern Corlette S. The Effects of Federal Policy: What Early Premium Rate Filings Can uncover Us About the Future of the Affordable care Act, CHIRblog, May 2018. Available at http://chirblog.org/what-early-rate-filings-tell-us-about-future-of-aca/; Corlette S. They Read Actuarial Memoranda so You Don't contain to: Trends from Early Health device Rate Filings, CHIRblog, Jun. 2017. Available at http://chirblog.org/we-read-actuarial-memoranda-so-you-dont-have-to/; Corlette S. Proposed Premium Rates for 2018: What enact Early Insurance Company Filings uncover Us? CHIRblog, May 2017. Available at http://chirblog.org/proposed-premium-rates-for-2018-what-do-early-filings-tell-us/.

[TheHill]


Cybersecurity Communities: Defending IT Collaboratively (Contributed) | killexams.com real questions and Pass4sure dumps

Hiring the best and brightest cybersecurity talent will always be difficult for condition and local governments. They contain to compete with private-sector firms that can present significantly greater compensation. Many government agencies besides must meet rigorous certification standards for novel hires, including exceptional requirements that execute them eligible for in-depth background investigations. 

Making matters worse, there are not enough people in the cybertalent pipeline. Cybersecurity Ventures, a research firm, estimates there will be a global shortage of 3.5 million cybersecurity workers by 2021. Moreover, the Cisco 2018 Annual Cybersecurity Report institute that these staff shortages contribute to organizations failing to design and build secure information systems as well as maintain basic security controls.

Some states are tackling the problem through training programs and contain built and staffed their own cybersecurity centers. Others contain offered grants to establish cybersecurity courses to train novel talent. The SANS Institute, an information security and cybersecurity research and training company, has started the CyberStart program, a unique and innovative suite of tools and games designed to introduce children and puerile adults to the territory of cybersecurity by completing various challenges. At a more strategic level, many condition and local governments are considering a collaborative, “community” approach to solving their cybersecurity challenges.

Collaboration: strength in Numbers

Security communities are groups of cybersecurity professionals who concluded that working together to resolve their country’s security challenges better serves their organization and the broader community when compared to working in a silo alone. In general, the more people there are working on a problem, collaboratively, with a broader data set and context, the better the outcome for everyone.

From threat detection to incident response, the tactics that unpleasant actors expend — and methods to thwart and resolve them — are constantly evolving. Drawing from the lessons scholarly and best practices of more than just a lone organization enables security professionals to be more efficient with their time, compass maturity more quickly and to identify and leverage innovation earlier.

Efforts are underway. The condition of Ohio, under the direction of former Gov. John Kasich, has formed a committee to foster collaborative partnerships to strengthen cyberinfrastructure and resources. InfraGard is a partnership between the FBI and members of the private sector. The program provides a vehicle for public-private collaboration that expedites the timely exchange of information and promotes mutual learning opportunities pertinent to the protection of faultfinding infrastructure. While one of the most difficult parts of communities is getting people to join, participate and ultimately share, the government sector provides the chance for top-down mandates around collaboration. 

MITRE’s erudition basis of Cybertactics

A collaborative community project that has had a huge impact on the practical side of cybersecurity is the MITRE ATT&CK™ framework. Founded in 1958, MITRE is a nonprofit organization that manages federally funded research. The organization works on projects for a variety of agencies, including the IRS, Department of Defense (DOD), Federal Aviation Administration (FAA) and National Institute of Standards and Technology (NIST). 

Based on real-world observations, the ATT&CK (adversarial tactics and techniques and common knowledge) framework is a globally accessible erudition basis of adversary tactics and techniques. It serves as a foundation for developing specific threat models and methodologies in the private sector, security vendor community and varying government organizations. 

The ATT&CK erudition basis has helped several projects, mappings and supplemental resources, allowing the supporting communities to continue growing. The platform and data sources sections are incredibly valuable because they uncover practitioners which systems they exigency to be monitoring and what they exigency to be collecting from them to mitigate and/or detect abuse of the technique. The expend of erudition provided by the framework can almost immediately increase the maturity of a government security organization.

By classifying attacks into discreet tactics, it’s easier for researchers to discern common patterns, determine the author of different campaigns and track how a threat has evolved over the years as the author adds novel features and attack methods. The framework recognizes that real-world threats are constantly advancing, and maps events to give analysts the context needed to identify advanced persistent threats (APT). The term APT is commonly thrown around, but for the federal, state, and local government as well as organizations supporting them, APT is a genuine concern.

Simplifying the Cyberdefense Process

With the impending security skills shortage, government organizations will contain to find novel ways to execute better expend of the talent and resources they currently have. Security operations centers (SOCs) are overwhelmed by thousands of daily alerts, and manually responding to each one — legitimate or not — is a time-consuming and arduous task. 

By combining comprehensive data gathering; standardization; workflow analysis and analytics; and security orchestration, automation and response (SOAR), technology companies are working to provide organizations the capacity to easily implement sophisticated defense-in-depth capabilities based on internal and external data sources enjoy the ATT&CK framework. As a result, government agencies are beginning to adopt SOAR, seeking to quickly and effectively resolve a significant portion of the thousands of alerts they receive each day while besides ensuring that processes and standards are enforced through automation. This will free up their security experts to disburse more time on intricate investigations, creating innovative processes, and proactive threat hunting.

From optimal productivity and performance to the capacity to respond to incidents faster, collaboration delivers invaluable benefits to security operations in the public sector. Because the private sector controls the vast majority of the world’s faultfinding infrastructure systems, government security will depend on effective, global collaboration with industry security professionals using resources enjoy the MITRE ATT&CK framework. 


SS&C Technologies Holdings, Inc. (SSNC) CEO Bill Stone on Q4 2018 Results - Earnings convene Transcript | killexams.com real questions and Pass4sure dumps

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