Health Savings Account-Health Savings Account Info

Beau asked:


My buddy apparently went to H&R Block and because he saves a lot of his money, he was able to get more money back? Is this true?

I use eFile.com and maybe someone can recommend a better place to go to file my taxes. I do not spend a lot of money (my money mostly goes into my savings, my 401(k), and my HSA = health savings account). Thanks!

Thomas

GREAT_AMERICAN asked:


President Bush’s Accomplishments

Spotted at Rightnation.us and GOPUSA.com reprinted here for your pleasure. I encourage people who support Bush to learn how effective our President has been, and liberals ought to browse this too. Just remember, the liberal media can’t cover up the truth of his accomplishments. The Bush Administration 2001-2004
Abortion & Traditional Values
1. Banned Partial Birth Abortion — by far the most significant roll-back of abortion on demand since Roe v. Wade. 2. Reversed Clinton’s move to strike Reagan’s anti-abortion Mexico Policy. 3. By Executive Order (EO), reversed Clinton’s policy of not requiring parental consent for abortions under the Medical Privacy Act. 4. By EO, prohibited federal funds for international family planning groups that provide abortions and related services. 5. Upheld the ban on abortions at military hospitals. 6. Made $33 million available for abstinence education programs in 2004. 7. Supports the Defense of Marriage Act — and a Constitutional amendment saying marriage is between one man and one woman. 8. Requires states to conduct criminal background checks on prospective foster and adoptive parents. 9. Requires districts to let students transfer out of dangerous schools. 10. Requires schools to have a zero-tolerance policy for classroom disruption (reintroducing discipline into classrooms). 11. Signed the Teacher Protection Act, which protects teachers from lawsuits related to student discipline. 12. Expanded the role of faith-based and community organizations in after-school programs.
Budget, Taxes & Economy
1. Signed two income tax cuts, one of which was the largest dollar-value tax cut in world history. 2. Supports permanent elimination of the death tax. 3. Turned around an inherited economy that was in recession, and deeply shocked as a result of the 9/11 attacks. 4. Is seeking legislation to amend the Constitution to give the president line-item veto authority. 5. In process of permanently eliminating IRS marriage penalty. 6. Increased small business incentives to expand and to hire new people. 7. Initiated discussion on privatizing Social Security and individual investment accounts. 8. Killed Clinton’s “ergonomic” rules that OSHA was about to implement; rules would have shut down every home business in America. 9. Passed tough new laws to hold corporate criminals to account as a result of corporate scandals. 10. Reduced taxes on dividends and capital gains. 11. Signed trade promotion authority. 12. Reduced and is working to ultimately eliminate the estate tax for family farms and ranches. 13. Fight Europe’s ban on importing biotech crops from the United States. 14. Exempt food from unilateral trade sanctions and embargoes. 15. Provided $20 million to states to help people with disabilities work from home. 16. Created a fund to encourage technologies that help the disabled. 17. Increased the annual contribution limit on Education IRA’s from $500 to $2,000 per child. 18. Make permanent the $5,000 adoption tax credit and provide $1 billion over five years to increase the credit to $10,000. 19. Grant a complete tax exemption for prepaid or college tuition savings plans. 20. Reduced H1B visas from a high of 195,000 per year to 66,000 per year.
Character & Conduct as President
1. Changed the tone in the White House, restoring HONOR and DIGNITY to the presidency. 2. Has reintroduced the mention of God and faith into public discourse. 3. Handled himself with enormous courage, dignity, grace, determination, and leadership in the aftermath of the September 11, 2001 hijackings and anthrax attacks. He almost single-handedly held this country together during those searing days:
Just three days after the attacks, in his address at the National Cathedral, the President reassured the nation when he said: “War has been waged against us by stealth and deceit and murder. This nation is peaceful, but fierce when stirred to anger. This conflict was begun on the timing and terms of others. It will end in a way, and at an hour, of our choosing.”
On Friday, September 14, 2001, President Bush visited Ground Zero. Standing on a crushed and burned fire engine atop the smoldering pile at Ground Zero, he put his arm around a retired firefighter who had volunteered to help, and began speaking to the crowd. Rescue workers shouted that they could not hear him. Someone handed him a small American flag and bullhorn. The President spontaneously shouted: “I can hear you. The rest of the world hears you. And the people who knocked these buildings down will hear all of us soon.” The crowd roared with cheers and chants of “USA! USA! USA!” Then he raised that American flag and rallied a nation.
Education & Employment Training
1. Signed the No Child Left Behind Act, delivering the most dramatic education reforms in a generation (challenging the soft bigotry of low expectations). The very liberal California Teachers union is currently running radio ads against the accountability provisions of this Act. 2. Announced “Jobs for the 21st Century,” a comprehensive plan to better prepare workers for jobs in the new millennium by strengthening post-secondary education and job training, and by improving high school education. 3. Is working to provide vouchers to low-income students in persistently failing schools to help with costs of attending private schools. (Blocked in the Senate.) 4. Requires annual reading and math tests in grades three through eight. 5. Requires states to participate in the National Assessment of Education Progress, or an equivalent program, to establish a national benchmark for academic performance. 6. Requires school-by-school accountability report cards. 7. Established a $2.4 billion fund to help states implement teacher accountability systems. 8. Increased funding for the Troops-to-Teachers program, which recruits former military personnel to become teachers.
Environment & Energy
1. Killed the Kyoto Global Warming Treaty. 2. Submitted a comprehensive Energy Plan (awaits Congressional action). The plan works to develop cleaner technology, produce more natural gas here at home, make America less dependent on foreign sources of energy, improve national grid, etc. 3. Established a $10 million grant program to promote private conservation initiatives. 4. Significantly eased field-testing controls of genetically engineered crops. 5. Changed parts of the Forestry Management Act to allow necessary cleanup of the national forests in order to reduce fire danger. 6. Part of national forests cleanup: Restricted judicial challenges (based on the Endangered Species Act and other challenges), and removed the need for an Environmental Impact Statement before removing fuels/logging to reduce fire danger. 7. Killed Clinton’s CO2 rules that were choking off all of the electricity surplus to California. 8. Provided matching grants for state programs that help private landowners protect rare species.
Defense & Foreign Policy
1. Successfully executed two wars in the aftermath of 9/11/01: Afghanistan and Iraq. 50 million people who had lived under tyrannical regimes now live in freedom. 2. Saddam Hussein is now in prison. His two murderous sons are dead. All but a handful of the regime’s senior members were killed or captured. 3. Leader by leader and member by member, al Maida is being hunted down in dozens of countries around the world. Of the senior al Qaeda leaders, operational managers, and key facilitators the U.S. Government has been tracking, nearly two-thirds have been taken into custody or killed. The detentions or deaths of senior al Qaeda leaders, including Khalid Shaykh Muhammad, the mastermind of 9/11, and Muhammad Atef, Osama bin Laden’s second-in-command until his death in late 2001, have been important in the War on Terror. 4. Disarmed Libya of its chemical, nuclear and biological WMD’s without bribes or bloodshed. 5. Continues to execute the War On Terror, getting worldwide cooperation to track funds/terrorists. Has cut off much of the terrorists’ funding, and captured or killed many key leaders of the al Qaeda network. 6. Initiated a comprehensive review of our military, which was completed just prior to 9/11/01, and which accurately reported that ASYMMETRICAL WARFARE capabilities were critical in the 21st Century. 7. Killed the old US/Soviet Union ABM Treaty that was preventing the U.S. from deploying our ABM defenses. 8. Has been one of the strongest, if not THE strongest friend Israel has ever hand in the U.S. presidency. 9. Part of the coalition for an Israeli/Palestinian “Roadmap to Peace,” along with Great Britain, Russia and the EU. 10. Pushed through THREE raises for our military. Increased military pay by more than $1 billion a year. 11. Signed the LARGEST nuclear arms reduction in world history with Russia. 12. Started withdrawing our troops from Bosnia, and has announced withdrawal of our troops from Germany and the Korean DMZ. 13. Prohibited putting U.S. troops under U.N. command. 14. Paid back UN dues only in return for reforms and reduction of U.S. share of the costs. 15. Earmarked at least 20 percent of the Defense procurement budget for next-generation weaponry. 16. Increased defense research and development spending by at least $20 billion from fiscal 2002 to 2006. 17. Ordered a comprehensive review of military weapons and strategy. 18. Ordered a review of overseas deployments. 19. Ordered renovation of military housing. The military has already upgraded about 10 percent of its inventory and expects to modernize 76,000 additional homes this year. 20. Is working to tighten restrictions on military-technology exports. 21. Brought back our EP-3 intel plane and crew from China without any bribes or bloodshed.
Globalization & Internationalism
1. Challenged the United Nations to live up to their responsibilities and not become another League of Nations (in other words, showed the UN to be completely irrelevant). 2. Killed U.S. involvement in the International Criminal Court. 3. Told the United Nations we weren’t interested in their plans for gun control (i.e., the International Ban on Small Arms Trafficking Treaty).* 4. The only President since the founding of the UN to essentially tell that organization it is irrelevant. He said: “The conduct of the Iraqi regime is a threat to the authority of the United Nations, and a threat to peace. Iraq has answered a decade of UN demands with a decade of defiance. All the world now faces a test, and the United Nations a difficult and defining moment. Are Security Council resolutions to be honored and enforced, or cast aside without consequence? Will the United Nations serve the purpose of its founding, or will it be irrelevant?” We all know the outcome and the answer. 5. Told the Congress and the world, “America will never seek a permission slip to defend the security of our country.”
Government Reform
1. Improved government efficiency by putting hundreds of thousands of jobs put up for bid. This weakens public-sector unions and cuts undeserved pay raises. 2. Initiated review of all federal agencies with the goal of eliminating federal jobs (completed September 2003) in an effort to reduce the size of the federal government while increasing private sector jobs. 3. Led the most extensive reorganization the Federal bureaucracy in over 50 years: After 9/11, condensed 20+ overlapping agencies and their intelligence sectors into one agency, the Department of Homeland Security.* 4. Ordered each agency to draft a five-year plan to restructure itself, with fewer managers. 5. Converted federal service contracts to performance-based contracts wherever possible so that the contractor has measurable performance goals.
Health
1. Strengthen the National Health Service Corps to put more physicians in the neediest areas, and make its scholarship funds tax-free. 2. Double the research budget of the National Institutes of Health. 3. Signed Medicare Reform, which includes:
A 10-year privatization option.
Prescription drug benefits: Prior to this reform, Medicare paid for extended hospital stays for ulcer surgery, for example, at a cost of about $28,000 per patient. Yet Medicare would not pay for the drugs that eliminate the cause of most ulcers, drugs that cost about $500 a year. Now, drug coverage under Medicare will allow seniors to replace more expensive surgeries and hospitalizations with less expensive prescription medicine.
More health care choices: As President Bush stated, “…when seniors have the ability to make choices, health care plans within Medicare will have to compete for their business by offering higher quality service [at lower cost]. For the seniors of America, more choices and more control will mean better health care. These are the kinds of health care options we give to the members of Congress and federal employees. What’s good for members of Congress is also good for seniors.
New Health Savings Accounts: Effective January 1, 2004, Americans can set aside up to $4,500 every year, tax free, to save for medical expenses. Depending on your tax bracket, that means you’ll save between 10 to 35 percent on any costs covered by money in your account. Every year, the money not spent would stay in the account and gain interest tax-free, just like an IRA. These accounts will be good for small business owners, and employees. More businesses can focus on covering workers for major medical problems, such as hospitalization for an injury or illness. At the same time, employees and their families will use these accounts to cover doctors visits, or lab tests, or other smaller costs. Some employers will contribute to employee health accounts. This will help more American families get the health care they need at the price they can afford.
Homeland Security, Border Enforcement & Immigration
1. *See Government Reform above. Under President Bush’s leadership, America has made an unprecedented commitment to homeland security. 2. Has CONSTRUCTION in process on the first 10 ABM silos in Alaska so that America will have a defense against North Korean nukes. Has ordered national and theater ballistic missile defenses to be deployed by 2004. 3. Announced a 9.7% increase in government-wide homeland security funding in his FY 2005 budget, nearly tripling the FY 2001 levels (excluding the Department of Defense and Project BioShield). 4. Before DHS was created, there were inspectors from three different agencies of the Federal Government and Border Patrol officers protecting our borders. Through DHS, U.S. Customs and Border Protection (CBP) now consolidates all border activities into a single agency to create “one face at the border.” This not only better secures the borders of the United States, but it also eliminates many of the inefficiencies that occurred under the old system. With over 18,000 CBP inspectors and 11,000 Border Patrol agents, CBP has 29,000 uniformed officers on our borders. 5. The Border Patrol is continuing installation of monitoring devices along the borders to detect illegal activity. 6. Launched Operation Tarmac to investigate businesses and workers in the secure areas of domestic airports and ensure immigration law compliance. Since 9/11, DHS has audited 3,640 businesses, examined 259,037 employee records, arrested 1,030 unauthorized workers, and participated in the criminal indictment of 774 individuals. 7. Since September 11, 2001, the Coast Guard has conducted more than 124,000 port security patrols, 13,000 air patrols, boarded more than 92,000 vessels, interdicted over 14,000 individuals attempting to enter the United States illegally, and created and maintained more than 90 Maritime Security Zones. 8. Announced the Student and Exchange Visitor Information System (SEVIS), an internet-based system that is improving America’s ability to track and monitor foreign students and exchange visitors. Over 870,000 students are registered in SEVIS. Of 285 completed field investigations, 71 aliens were arrested. 9. This week, the US-VISIT program began to digitally collect biometric identifiers to record the entry and exit of aliens who travel into the U.S on a visa. Together with the standard information, this new program will confirm compliance with visa and immigration policies. 10. Eliminated INS bureaucratic redundancies and lack of accountability. 11. Split the Immigration and Naturalization Service into two agencies: one to protect the border and interior, the other to deal with naturalization. 12. Signed the workplace verification bill to prevent hiring of illegal aliens. 13. Established a six-month deadline for processing immigration applications. 14. Information regarding nearly 100% of all containerized cargo is carefully screened by DHS before it arrives in the United States. Higher risk shipments are physically inspected for terrorist weapons and contraband prior to being released from the port of entry. Advanced technologies are being deployed to identify warning signs of chemical, biological, or radiological attacks. Since September 11, 2001, hundreds of thousands of first responders across America have been trained to recognize and respond to the effects of a WMD attack.
Judiciary & Tort Reform
1. Is urging federal liability reform to eliminate frivolous lawsuits. 2. Killed the liberal ABA’s unconstitutional role in vetting federal judges. The Senate is supposed to advise and consent, not the ABA. 3. Is nominating strong, conservative judges to the judiciary. 4. Supports class action reform bill which limits lawyer fees so that more settlement money goes to victims.
Politics
1. His leadership resulted in Republican gains in the House and Senate, solidifying Republican control of both houses of Congress and the presidency. 2. Signed an EO enforcing the Supreme Court’s Beck decision regarding union dues being used for political campaigns against individual’s wishes.
Second Amendment
1. Ordered Attorney General Ashcroft to formally notify the Supreme Court that the OFFICIAL U.S. government position on the 2nd Amendment is that it supports INDIVIDUAL rights to own firearms, and is NOT a Leftist-imagined “collective” right. 2. Signed TWO bills into law that arm our pilots with handguns in the cockpit. 3. Currently pushing for full immunity from lawsuits for our national gun manufacturers. 4. *See Globalization & Internationalism.
Traditional Values, Compassion & Volunteerism
1. Endorses and promotes “The Responsibility Era.” President Bush often speaks of the necessity of personal responsibility and civic volunteerism. He said, “In a compassionate society, people respect one another and take responsibility for the decisions they make in life. My hope is to change the culture from one that has said, if it feels good, do it; if you’ve got a problem, blame somebody else — to one in which every single American understands that he or she is responsible for the decisions that you make; you’re responsible for loving your children with all your heart and all your soul; you’re responsible for being involved with the quality of the education of your children; you’re responsible for making sure the community in which you live is safe; you’re responsible for loving your neighbor, just like you would like to be loved yourself.” 2. Started the USA Freedom Corps, the most comprehensive clearinghouse of volunteer opportunities ever offered. For the first time in history, Americans can enter geographic information about where they want to get involved, such as state or zip code, as well as areas of interest ranging from education to the environment, and they can access volunteer opportunities offered by more than 50,000 organizations across the country and around the world. 3. Established the The White House Office and the Centers for the Faith-Based and Community Initiative — located in seven Federal agencies. The faith-based initiative supports the essential work of these important organizations. The goal is to make sure that grassroots leaders can compete on an equal footing for federal dollars, receive greater private support, and face fewer bureaucratic barriers. Work focuses on at-risk youth, ex-offenders, the homeless and hungry, substance abusers, those with HIV/AIDS, and welfare-to-work families. 4. The White House released a guidebook fully describing the Administration’s belief that faith-based groups have a Constitutionally-protected right to maintain their religious identity through hiring — even when Federal funds are involved. 5. Issued an EO implementing the Supreme Court’s Olmstead ruling, which requires moving disabled people from institutions to community-based facilities when possible. 6. Increased funding for low-interest loan programs to help people with disabilities purchase devices to assist them. 7. Revised the Department of Housing and Urban Development’s Section 8 rent subsidies to disabled people, permitting them to use up to a year’s worth of vouchers to finance down payments on homes. HUD has started pilot programs in 11 states. 8. Committed US funds to purchase medicine for millions of men, women and children now suffering with AIDS in Africa. 9. Heeding the words of our own Declaration of Independence, the president laid out the non-negotiable demands of human dignity for all people everywhere. On January 29, 2002, he said, “No nation owns these aspirations, and no nation is exempt from them. We have no intention of imposing our culture. But America will always stand firm for the non-negotiable demands of human dignity.” As stated by the President, they are a virtual manifesto of conservative principles:
Equal Justice
Freedom of Speech
Limited Government Power
Private Property Rights
Religious Tolerance
Respect for Women
Rule of Law

Tressie Orvin

Whoa_Phat asked:


My employer is changing over to a High Deductible Health Plan and therefore must cancel my Flexible Spending Account in favor of a Health Savings Account. Our HR department is refusing to roll over my balance on my FSA into a HSA.
What happens to the unused portion of my contributions to the Spending Account? If I go with this plan, my wife will also be on the insurance and will lose her contribution to her FSA.
Am I eligible to use my entire years allotment? Or do we lose our $150.00 we have already contributed?

Margarito Blancarte

GREAT_AMERICAN asked:


Insurance Fraud
Let’s not base policy on inflated statistics.

By David Hogberg

Anyone who pays even the slightest attention to the health-care debate in this country probably knows that there are “44 million uninsured Americans.” The figure was all but shouted from the rooftops during the recent Cover the Uninsured Week. It is standard boilerplate for John Kerry’s stump speeches. Hillary Clinton, in her recent screed, was unwilling to round off the number: “Some 43.6 million Americans are uninsured, and the vast majority of them are in working families.”

The existence of the 44-million figure is a tribute to Benjamin Disraeli’s quip that “there are three kinds of lies: lies, damned lies, and statistics.” If one accepts the Current Population Survey’s numbers (the source for the 44-million statistic), there are in fact closer to 35 million uninsured Americans. Over 20 percent of the uninsured in this country are not citizens.

Yet there is good reason to be skeptical of the CPS’s numbers. The CPS is intended to measure the number of people who have been uninsured for an entire year. One problem with the CPS statistic is that it includes both those who are insured for a short time and those who are chronically uninsured (defined as being uninsured for at least a year). Many people go without insurance for a few months often as the result of being between jobs. The CPS statistic of 44 million does not make that distinction.

Another drawback is that CPS asks respondents to recall their insurance status over the last twelve months, increasing the probability of sampling error due to respondents’ memory lapses. Last year a paper from the Congressional Budget Office contrasted the CPS with two other surveys, the Medical Expenditure Panel Survey (MEPS) and the Survey of Income and Program Participation (SIPP). MEPS and SIPP track their respondents every few months, so the error due to memory lapse should be minimized. Interestingly, MEPS reported 31 million chronically uninsured, while SIPP reported only 21 million.

Yet even the numbers reported by the MEPS and SIPP surveys overstate the number of uninsured. Some respondents who receive Medicaid may say they are uninsured because of the stigma associated with the Medicaid program. Studies suggest that this may result in an undercounting of the insured by 12 to 15 percent. According to the CBO, “the number of non-elderly people who are enrolled in Medicaid at any time during the year could be undercounted in population surveys by about 4 to 5 million.”

Another wrinkle occurs in the definition of the uninsured. There are many people who are eligible for Medicaid but are not enrolled in the program. Some argue that they should be counted as uninsured, while others argue that they should not. The latter group seems to have the stronger case, since such people can receive Medicaid coverage retroactively for health-care expenses. At present, there is no exact data on the number of people who are eligible for Medicaid but not enrolled. The most recent study, from 1994, estimated that about 2.9 million children who were uninsured were eligible for Medicaid.

Finally, it is important to note that, according to the SIPP survey, over 18 percent of the chronically uninsured say that they have gone without insurance because either they have not needed it or do not believe in it. When the various factors are accounted for, it is possible that the true number of the chronically uninsured is 12 to15 million.

Does the actual number matter? Either way, one might object, there are still millions who lack health insurance. Actually, it matters a great deal, because those who are most likely to tout the 44-million-uninsured statistic also tend to be the advocates of wholesale reform of the health-care system, usually of the government-run variety. A larger number gives their arguments more weight.

Second, understanding the actual magnitude of the problem gives us better direction in terms of policy. Of those chronically uninsured, the vast majority are poor, but over 60 percent are under the age of 35. Thus, the uninsured may be a largely healthy population that could afford to purchase health-care in a more consumer-driven system. Indeed, many of those currently purchasing insurance with health-savings accounts were previously uninsured.

Whatever the solution, we should not let inflated statistics lead us into adopting misguided health-care policies.

Maria

vonwao asked:


Does anyone know where I can find a doctor that provides phone/internet consultations? I’m tired of going to doctors who I have to wait 3 months for an appointment, and then they only see me for about 3 minutes anyway!

I have an Health Savings Account plan, so I don’t mind paying out of pocket from my HSA account.

Carla Schiltz

radioactive_babywipes asked:


Let’s say that I sign up for a HSA through my employer and later on I figure out that it is not a good deal for me. Can I cash out the plan just like a savings account? I was told two things…1. That the money stays in the account forever and you can’t use it on anything else aside from health/medical related expenses. 2. That you could cash the HSA out similarly to a 401k or IRA but take the penalty and also pay the taxes on it.

I don’t mind the 2nd option, but the first is the problem. I figured the HSA would be very similar to a regular savings account except you can only use it for medical expenses, but I really need your help in figuring out HSA’s and the do’s and don’ts.

Thank you.

Emily Esteybar

jacksonkhb asked:


I know you can pay for it through those health savings accounts, but I don’t think I set aside enough money to do that. Can I just pay for it out of post-tax dollars and then deduct it on my tax return?

Allison

GREAT_AMERICAN asked:


Presidential Commitments
What you’ll get from a President Giuliani.

By Rudy Giuliani

I am making 12 Commitments to the American People. They are intended to lift our vision from the rearview mirror to the road ahead. If I am elected president, I want to be held accountable for the progress we make as a nation.

1) I will keep America on offense in the Terrorists’ War on Us.

Winning the terrorists’ war on us is the greatest responsibility of the 9/11 Generation. We need to continue taking the fight to the Islamic fundamentalist terrorists by increasing the size, strength, and support of our military — beginning with ten new Army combat brigades.

2) I will end illegal immigration, secure our borders and identify every non-citizen in our nation.

We can end illegal immigration with tough but realistic laws that put security first. We need to secure the border with a physical fence and a technological fence. We need to require a tamper-proof I.D. card for all non-citizens coming into the United States and tracking their entry and exit. And we need to encourage Americanization by requiring new citizens to read, write, and speak English.

3) I will restore fiscal discipline and cut wasteful Washington spending.

Over the next two presidential terms, 42 percent of the federal civilian workforce is due to retire. We should only hire back half, replacing non-essential workers with technology. I’ll ask agency heads to identify annual budget cuts of 5 to 20 percent. With entitlement costs scheduled to explode, we need fiscal discipline to avoid passing an unsupportable burden on to the next generation.

4) I will cut taxes and reform the tax code.

Pro-growth policies lead to broader prosperity. The next president needs to simplify the tax code and keep taxes low — including the personal income tax, the capital-gains tax and the corporate tax. And we can eliminate double taxation and protect family businesses by giving the Death Tax the death penalty.

5) I will impose accountability on Washington.

We need to restore Americans’ faith that government can work again. That’s why we’ll implement the first constant measurement of government effectiveness, known as “FedStat,” and put the results online so the public can hold agencies accountable.

6) I will lead America towards energy independence.

We must decrease America’s dangerous dependence on foreign oil. We can meet this challenge through diversification of our energy portfolio, innovation, and conservation. We must increase public and private investment in nuclear power, clean coal, and alternative-energy sources across the board. America must lead the world in energy-efficient, environmentally responsible, commercially viable innovation, including wind, solar, geo-thermal, ethanol, and biofuel technologies.

7) I will give Americans more control over their health care with affordable and portable free-market solutions.

We can improve the quality of health care while decreasing costs through increased competition. Solutions can include reforming the tax treatment of health care, expanding portable health-savings accounts, encouraging state-by-state innovations, and reforming the legal system.
I will increase adoptions, decrease abortions, and protect the quality of life for our children.
We need to take advantage of the common ground in America to reduce abortions by increasing adoptions and assuring that individual choice is well informed. We need to measure our progress toward these goals. We need to reduce the high costs of adoption. And we need to protect our children against sexual predators and online pornography.

9) I will reform the legal system and appoint strict constructionist judges.

America must reform its legal system. We need to eliminate nuisance lawsuits through “loser-pays” provisions. Tort reform can help us reduce costs passed on to the consumer, such as higher insurance premiums. Activist judges threaten to expand the power of the courts beyond the bounds established by the Constitution; we must reassert the proper balance.

10) I will ensure that every community in America is prepared for terrorist attacks and natural disasters.

Homeland security and national security are now inseparable. We need to ensure that local first responders are trained to meet natural disasters as well as terrorist attacks. We must improve information-sharing between local, state, and federal authorities. And we need to repair vulnerable infrastructure to minimize the impact of terrorist attacks and natural disasters.

11) I will provide access to a quality education to every child in America by giving real school choice to parents.

Education reform is a civil-rights struggle and the key to improving America’s competitiveness in the global economy. We need to empower parents and children by expanding school choice. We need to promote math and science, while ending the digital divide.

12) I will expand America’s involvement in the global economy and strengthen our reputation around the world.

We need to strengthen our country by engaging aggressively the global economy. The mission of the State Department needs to be focused on acting first and foremost as an advocate for America. Fostering trade and educational and cultural exchange will promote the expansion of freedom.

These 12 Commitments offer an action plan to focus America on the future. Over the course of this campaign, I’m going to present each policy in greater detail. And when we get to Washington, we’re going to put these ideas into action. Guided by these 12 Commitments, we will hand our nation over to the next generation far better than it was handed to us.

Micaela Austino

srsly? asked:


Per a divorce decree, my ex is to pay for an insurance policy for our child and I am to pay half of what is owed from appointments and prescriptions. This worked for 3 years until….

>>My ex got a health savings account which apparently causes me to pay full price for every appointment and medication my son needs.

Am I am paying toward some enormous deductible, likely meant to cover his whole family, or am I paying into a savings account that he and his new family will benefit from? or both?!!

I’ve read a bit about HSA’s but I’m afraid I don’t fully understand the concept.

Any info or recommendations are welcome.

Thank you thank you so so so much.

Cornelius Scarth

Crystal K asked:


i have recently been diagnosed with ******* herpes, although i have not had a blood test yet to confirm it. I went to walmart to get a prescription of generic valtrex filled and my total came to a ridiculous $244! i can not afford this kind of medication, i told them to just put it back. I have bad insurance, its called a health savings account and apparently it helped a little with the cost of the valtrex (what a joke). i am only 18 years old and will have to live with this the rest of my life, its painful and i feel that i can not have *********** until i am on medication that will reduce the chances of me spreading it. Is there another way to get this medication at a cost that i can actually afford? Or is there a way to make my outbreaks less frequent or painful? If i get medicated i will have less outbreaks, it will lessen my chances of spreading it, and it will reduce my pain and discomfort so i am very desperate. If u have ANY information i will be extremely grateful.
i live in the US

Kelsi Nave