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Julie Appleby | KFF Health News Unauthorized switching of Affordable Care Act plans appears to have tapered off in recent weeks based on an almost one-third drop in casework associated with consumer complaints, say federal regulators . The Centers for Medicare & Medicaid Services, which oversees the ACA, credits steps taken to thwart enrollment and switching problems that triggered more than 274,000 complaints this year through August. Now, the annual ACA open enrollment period that began Nov. 1 poses a real-world test: Will the changes curb fraud by rogue agents or brokerages without unduly slowing the process of enrolling or reducing the total number of sign-ups for 2025 coverage? “They really have this tightrope to walk,” said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University. “The more you tighten it up to prevent fraud, the more barriers there are that could inhibit enrollment among those who need the coverage.” CMS said in July that some types of policy changes — those in which the agent is not “affiliated” with the existing plan — will face more requirements, such as a three-way call with the consumer, broker, and a healthcare.gov call center representative. In August, the agency barred two of about a dozen private sector online-enrollment platforms from connecting with healthcare.gov over concerns related to improper switching. And CMS has suspended 850 agents suspected of being involved in unauthorized plan-switching from accessing the ACA marketplace. Still, the clampdown could add complexity to enrollment and slow the process. For example, a consumer might have to wait in a queue for a three-way call, or scramble to find a new agent because the one they previously worked with had been suspended. Given that phone lines with healthcare.gov staff already get busy — especially during mid-December — agents and policy analysts advise consumers not to dally this year. “Hit the ground running,” said Ronnell Nolan, president and CEO of Health Agents for America, a professional organization for brokers. Meanwhile, reports are emerging that some rogue entities are already figuring out workarounds that could undermine some of the anti-fraud protections CMS put in place, Nolan said. “Bottom line is: Fraud and abuse is still happening,” Nolan said. Brokers assist the majority of people actively enrolling in ACA plans and are paid a monthly commission by insurers for their efforts. Consumers can compare plans or enroll themselves online through federal or state marketplace websites. They can also seek help from people called assisters or navigators — certified helpers who are not paid commissions. Under a “find local help” button on the federal and state ACA websites , consumers can search for nearby brokers or navigators. CMS says it has “ramped up support operations” at its healthcare.gov marketplace call centers, which are open 24/7, in anticipation of increased demand for three-way calls, and it expects “minimal wait times,” said Jeff Wu, deputy director for policy of the CMS Center for Consumer Information and Insurance Oversight. Wu said those three-way calls are necessary only when an agent or a broker not already associated with a consumer’s enrollment wants to change that consumer’s enrollment or end that consumer’s coverage. It does not apply to people seeking coverage for the first time. Organizations paid by the government to offer navigator services have a dedicated phone line to the federal marketplace, and callers are not currently experiencing long waits, said Xonjenese Jacobs, director of Florida Covering Kids & Families, a program based at the University of South Florida that coordinates enrollment across the state through its Covering Florida navigator program. Navigators can assist with the three-way calls if a consumer’s situation requires it. “Because we have our quick line in, there’s no increased wait time,” Jacobs said. The problem of unauthorized switches has been around for a while but took off during last year’s open enrollment season. Brokers generally blamed much of the problem on the ease with which rogue agents can access ACA information in the federal marketplace, needing only a person’s name, date of birth, and state of residence. Though federal regulators have worked to tighten that access with the three-way call requirement, they stopped short of instituting what some agent groups say is needed: two-factor authentication, which could involve a code accessed by a consumer through a smartphone. Unauthorized switches can lead to a host of problems for consumers, from higher deductibles to landing in new networks that do not include their preferred physicians or hospitals. Some people have received tax bills when unauthorized policies came with premium credits for which they did not qualify. Unauthorized switches posed a political liability for the Biden administration, a blemish on two years of record ACA enrollment. The practice drew criticism from lawmakers on both sides of the aisle; Democrats demanded more oversight and punishment of rogue agents, while Republicans said fraud attempts were fueled by Biden administration moves that allowed for more generous premium subsidies and special enrollment periods. The fate of those enhanced subsidies, which are set to expire, will be decided by Congress next year as the Trump administration takes power. But the premiums and subsidies that come with 2025 plans that people are enrolling in now will remain in effect for the entire year. The actions taken this year to thwart the unauthorized enrollments apply to the federal marketplace, used by 31 states . The remaining states and the District of Columbia run their own websites, with many having in place additional layers of security. Related Articles Health | Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’ Health | More foods are making us sick: What to know as foodborne outbreaks hit Health | Which health insurance plan may be right for you? Health | Pay first, deliver later: Some women are being asked to prepay for their baby Health | Airport authority, Delta unveil $500k multi-sensory room at Metro Airport For its part, CMS says its efforts are working, pointing to the 30% drop in complaint casework. The agency also noted a 90% drop in the number of times an agent’s name was replaced by another’s, which it says indicates that it is tougher for rival agents to steal clients to gain the monthly commissions that insurers pay. Still, the move to suspend 850 agents has drawn pushback from agent groups that initially brought the problem to federal regulators’ attention. They say some of those accused were suspended before getting a chance to respond to the allegations. “There will be a certain number of agents and brokers who are going to be suspended without due process,” said Nolan, with the health agents’ group. She said that it has called for increased protections against unauthorized switching and that two-factor authentication, like that used in some state marketplaces or in the financial sector, would be more effective than what’s been done. “We now have to jump through so many hoops that I’m not sure we’re going to survive,” she said of agents in general. “They are just throwing things against the wall to see what sticks when they could just do two-factor.” The agency did not respond to questions asking for details about how the 850 agents suspended since July were selected, the states where they were located, or how many had their suspensions reversed after supplying additional information.2025 will be a crucial year for Indian creator economyDirecTV extends its agreement as title sponsor of the Holiday Bowl

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Trump has promised again to release the last JFK files. But experts say don’t expect big revelationsIreland blamed Northern Ireland Office for ‘damaging leaks’, records showQatar tribune Agencies Asian equities tumbled on Wednesday as traders grappled with the surprise political storm in South Korea, where martial law was imposed and lifted only hours later. At the same time, a no-confidence vote in France put the euro in the spotlight. South Korea’s won, buoyed by suspected intervention, was stable but remained close to the two-year low against the dollar that it hit late on Tuesday. The benchmark KOSPI index was down 1.3%, taking its year-to-date losses to more than 7% and making it the worst-performing major stock market in Asia this year. That left the MSCI’s broadest index of Asia-Pacific shares outside Japan, which counts Samsung Electronics as one of its top constituents, mainly flat as most Asian markets aside from South Korea rose. South Korean President Yoon Suk Yeol said on Wednesday he would lift a surprise martial law declaration he had imposed just hours before, backing down in a standoff with parliament which roundly rejected his attempt to ban political activity. “Martial law itself has been lifted but this incident creates more uncertainty in the political landscape and the economy,” ING senior economist Min Joo Kang said.“We are concerned that these events could impact South Korea’s sovereign credit rating, although this is uncertain at this stage. Copy 05/12/2024 10Cam Akers reached down in front of him to scoop a sinking pass from Sam Darnold, bringing it into his body as he tumbled backwards. As he did, two words ran through his mind: game over. Akers’ late catch, which came with less than two minutes left in the game on a third-and-2 pass, sealed a 27-25 win for the Vikings over the Green Bay Packers on Sunday afternoon in a game at U.S. Bank Stadium that got tight late. ADVERTISEMENT “I’m blessed,” Akers said. “On my journey from where I’ve come from, to be able to be in there, crunch time, fourth quarter, the coaches trust me, the team trusts me,” Akers said. “I’m blessed.” It’s been a long journey for the running back, who has dealt with two serious Achilles injuries in previous seasons. But Akers, now in his second stint with the Vikings, has rewarded the coaching staff for its faith in him. He also caught a 9-yard touchdown pass late in the third quarter, one which ended up proving the difference in the win. His opportunities on Sunday came in part because Aaron Jones took a shot to the quad earlier in the game, which he played through before watching the end of the game from the sidelines. His last carry in the game came near the end of the third quarter. “Coach was like, ‘Hey, we’re going to hold you for a little bit,’ but I was good,” Jones said. “I kept warm just in case they needed me. Kept my helmet on.” They didn’t wind up needing him, thanks in large part to Akers. “Cam has something inside him that allowed him to push through the adversity of what’s happened to him over the course of his career,” coach Kevin O’Connell said. “His teammates were probably the most excited all season when Cam scored on that screen and then obviously the catch late. He just brings something. He brings physicality. He brings a level of mental and physical toughness that I think makes us all better.” ADVERTISEMENT Darnold aired it out and found his receiver, on the run, open in the end zone. It wasn’t Justin Jefferson, nor Jordan Addison, but Jalen Nailor, who hauled in the 31-yard pass for the Vikings’ first touchdown of the game. “I just had a post route. I’ve seen the far safety. He wasn’t there,” Nailor said. “I just took off running as fast as I could and Sam found me.” Darnold found Nailor a season-high five times on Sunday. He finished the day with 81 yards, also a season-high, and his touchdown was his first in more than a month, with the last one coming in the Vikings’ Nov. 24 win over the Bears. “It just felt good to be out there, just help the team win,” Nailor said. “That’s all I’m trying to do.” Will Reichard’s first field goal attempt Sunday hit the crossbar. The rookie kicker missed a 55-yard attempt near the end of the first half, but a Green Bay penalty negated his miss and a subsequent Packers’ timeout took away a 50-yard make. He then connected from 50 yards to send the Vikings into halftime up 10. His last field goal attempt of the day went off the left upright from 43 yards. But despite a shaky day, O’Connell’s confidence in the 23-year-old, who also converted on a short kick in the second quarter, hasn’t wavered. ADVERTISEMENT “I just told him, ‘Hey, next one’s going to be the best one.’ My confidence in Will is sky high,” O’Connell said of Reichard. “If we think we’re anywhere near the range, I’m going to give him the swing. He’s a phenomenal kid, great makeup. The next kick’s going to be his best kick.” ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .

LOS ANGELES (AP) — Eric Dailey Jr. scored 18 points, making four 3-pointers, and No. 22 UCLA edged 14th-ranked Gonzaga 65-62 on Saturday in the first college basketball game played at Intuit Dome, the new home of the NBA’s Los Angeles Clippers. Ryan Nembhard’s basket tied it at 60 before the Bruins (11-2) scored five points in a row. Nembhard then drove the length of the court and scored while getting fouled. After a timeout, he missed the potential tying free throw with 8 seconds remaining. Graham Ike fouled Skyy Clark, who made both free throws for a 65-62 lead with 5 seconds left. Nembhard's 3-point heave from halfcourt missed at the buzzer. Ike led the Bulldogs (9-4) with 24 points and eight rebounds. Nembhard had 16 points and eight assists. Graham was 11 of 16 from the floor on a day when both teams struggled offensively in the 18,000-seat arena. It was a tough shooting day for UCLA's Tyler Bilodeau, who was limited to seven points — well under his team-leading 15.1 average — while going against Ike. Gonzaga: The Zags fell to 3-4 on neutral courts. UCLA: The Bruins improved to 2-2 on neutral courts. They were coming off a two-point loss to North Carolina in New York City last weekend. The Zags lost starter Khalif Battle (five points) when he was ejected with 4:12 remaining in the first half for a flagrant-2 foul against Dailey. Before it was reviewed, UCLA coach Mick Cronin tore off his jacket. Early in the second half, Dailey and Nembhard were called for double technicals when things got heated between the teams. The Zags went 2 of 11 on 3-point attempts in the first half, when they trailed by 11. They made five 3s in the second half. Gonzaga stays in the Los Angeles area to visit Pepperdine on Monday. UCLA visits Nebraska on Jan. 4 in Big Ten play. Get poll alerts and updates on AP Top 25 basketball throughout the season. Sign up here. AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketballKochera's 34 lead Davidson over Eastern Michigan 86-64Simeon leaves the Pontiac Holiday Tournament after 29 years

NoneABC projects that Democrat Adam Gray will win the race for California's 13th Congressional District , unseating incumbent Republican John Duarte and flipping the final unresolved seat in the 2024 election. With all 435 House races projected, ABC News estimates Republicans will hold 220 seats and Democrats 215 in the 119th Congress. But it's not clear how vacancies -- or, illness or other absences -- will impact the day-to-day division of power when the House convenes on Jan. 3. President-elect Donald Trump initially tapped three House Republicans for positions in his upcoming administration: Florida Reps. Matt Gaetz and Mike Waltz, and New York Rep. Elise Stefanik. Gaetz has already resigned from Congress and withdrew last month from consideration to serve as President-elect Donald Trump's attorney general. And though he won reelection to his seat last month, he said he won't serve another term. MORE | Democrat Adam Gray projected to win California's 13th Congressional District Republicans could have a 217-215 majority while their seats are vacant -- the narrowest GOP majority in history -- and special elections to fill those seats can take months to complete. In this case, any single Republican can hold Johnson hostage: Losing just one Republican on a vote would result in a 216-216 tie. The speaker acknowledged the thin majority, which could pose a challenge in passing Trump's agenda. "Well, just like we do every day here, we've developed an expertise in that. We know how to work with a small majority. That's our custom now," Johnson said. "So, yes -- do the math. We can, we have nothing to spare. But all of our members know that we talked about that today, as we do constantly, that this is a team effort that we've got to all row in the same direction." But several elderly Democrats have missed votes recently, which could give Republicans a little more breathing room next year. In California's 13th District, Duarte conceded to Gray on Tuesday, according to the Turlock Journal. "I'm a citizen legislator, and I didn't plan on being in Congress forever," Duarte told the newspaper. "But whenever I think I can make a difference, I'll consider public service in different forms, including running for Congress again." Gray released a victory statement on X Tuesday evening, extending his gratitude and saying the "final results confirm this district is ready for independent and accountable leadership that always puts the Valley's people ahead of partisan politics." ABC News' Marilyn Heck and Benjamin Siegel contributed to this report.

FAI chief defends season ticket price hikeJulie Appleby | KFF Health News Unauthorized switching of Affordable Care Act plans appears to have tapered off in recent weeks based on an almost one-third drop in casework associated with consumer complaints, say federal regulators . The Centers for Medicare & Medicaid Services, which oversees the ACA, credits steps taken to thwart enrollment and switching problems that triggered more than 274,000 complaints this year through August. Now, the annual ACA open enrollment period that began Nov. 1 poses a real-world test: Will the changes curb fraud by rogue agents or brokerages without unduly slowing the process of enrolling or reducing the total number of sign-ups for 2025 coverage? “They really have this tightrope to walk,” said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University. “The more you tighten it up to prevent fraud, the more barriers there are that could inhibit enrollment among those who need the coverage.” CMS said in July that some types of policy changes — those in which the agent is not “affiliated” with the existing plan — will face more requirements, such as a three-way call with the consumer, broker, and a healthcare.gov call center representative. In August, the agency barred two of about a dozen private sector online-enrollment platforms from connecting with healthcare.gov over concerns related to improper switching. And CMS has suspended 850 agents suspected of being involved in unauthorized plan-switching from accessing the ACA marketplace. Still, the clampdown could add complexity to enrollment and slow the process. For example, a consumer might have to wait in a queue for a three-way call, or scramble to find a new agent because the one they previously worked with had been suspended. Given that phone lines with healthcare.gov staff already get busy — especially during mid-December — agents and policy analysts advise consumers not to dally this year. “Hit the ground running,” said Ronnell Nolan, president and CEO of Health Agents for America, a professional organization for brokers. Meanwhile, reports are emerging that some rogue entities are already figuring out workarounds that could undermine some of the anti-fraud protections CMS put in place, Nolan said. “Bottom line is: Fraud and abuse is still happening,” Nolan said. Brokers assist the majority of people actively enrolling in ACA plans and are paid a monthly commission by insurers for their efforts. Consumers can compare plans or enroll themselves online through federal or state marketplace websites. They can also seek help from people called assisters or navigators — certified helpers who are not paid commissions. Under a “find local help” button on the federal and state ACA websites , consumers can search for nearby brokers or navigators. CMS says it has “ramped up support operations” at its healthcare.gov marketplace call centers, which are open 24/7, in anticipation of increased demand for three-way calls, and it expects “minimal wait times,” said Jeff Wu, deputy director for policy of the CMS Center for Consumer Information and Insurance Oversight. Wu said those three-way calls are necessary only when an agent or a broker not already associated with a consumer’s enrollment wants to change that consumer’s enrollment or end that consumer’s coverage. It does not apply to people seeking coverage for the first time. Organizations paid by the government to offer navigator services have a dedicated phone line to the federal marketplace, and callers are not currently experiencing long waits, said Xonjenese Jacobs, director of Florida Covering Kids & Families, a program based at the University of South Florida that coordinates enrollment across the state through its Covering Florida navigator program. Navigators can assist with the three-way calls if a consumer’s situation requires it. “Because we have our quick line in, there’s no increased wait time,” Jacobs said. The problem of unauthorized switches has been around for a while but took off during last year’s open enrollment season. Brokers generally blamed much of the problem on the ease with which rogue agents can access ACA information in the federal marketplace, needing only a person’s name, date of birth, and state of residence. Though federal regulators have worked to tighten that access with the three-way call requirement, they stopped short of instituting what some agent groups say is needed: two-factor authentication, which could involve a code accessed by a consumer through a smartphone. Unauthorized switches can lead to a host of problems for consumers, from higher deductibles to landing in new networks that do not include their preferred physicians or hospitals. Some people have received tax bills when unauthorized policies came with premium credits for which they did not qualify. Unauthorized switches posed a political liability for the Biden administration, a blemish on two years of record ACA enrollment. The practice drew criticism from lawmakers on both sides of the aisle; Democrats demanded more oversight and punishment of rogue agents, while Republicans said fraud attempts were fueled by Biden administration moves that allowed for more generous premium subsidies and special enrollment periods. The fate of those enhanced subsidies, which are set to expire, will be decided by Congress next year as the Trump administration takes power. But the premiums and subsidies that come with 2025 plans that people are enrolling in now will remain in effect for the entire year. The actions taken this year to thwart the unauthorized enrollments apply to the federal marketplace, used by 31 states . The remaining states and the District of Columbia run their own websites, with many having in place additional layers of security. Related Articles Health | Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’ Health | More foods are making us sick: What to know as foodborne outbreaks hit Health | At least 19 people are sick in Minnesota from ground beef tied to E. coli recall Health | Which health insurance plan may be right for you? Health | Pay first, deliver later: Some women are being asked to prepay for their baby For its part, CMS says its efforts are working, pointing to the 30% drop in complaint casework. The agency also noted a 90% drop in the number of times an agent’s name was replaced by another’s, which it says indicates that it is tougher for rival agents to steal clients to gain the monthly commissions that insurers pay. Still, the move to suspend 850 agents has drawn pushback from agent groups that initially brought the problem to federal regulators’ attention. They say some of those accused were suspended before getting a chance to respond to the allegations. “There will be a certain number of agents and brokers who are going to be suspended without due process,” said Nolan, with the health agents’ group. She said that it has called for increased protections against unauthorized switching and that two-factor authentication, like that used in some state marketplaces or in the financial sector, would be more effective than what’s been done. “We now have to jump through so many hoops that I’m not sure we’re going to survive,” she said of agents in general. “They are just throwing things against the wall to see what sticks when they could just do two-factor.” The agency did not respond to questions asking for details about how the 850 agents suspended since July were selected, the states where they were located, or how many had their suspensions reversed after supplying additional information.

Julie Appleby | KFF Health News Unauthorized switching of Affordable Care Act plans appears to have tapered off in recent weeks based on an almost one-third drop in casework associated with consumer complaints, say federal regulators . The Centers for Medicare & Medicaid Services, which oversees the ACA, credits steps taken to thwart enrollment and switching problems that triggered more than 274,000 complaints this year through August. Now, the annual ACA open enrollment period that began Nov. 1 poses a real-world test: Will the changes curb fraud by rogue agents or brokerages without unduly slowing the process of enrolling or reducing the total number of sign-ups for 2025 coverage? “They really have this tightrope to walk,” said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University. “The more you tighten it up to prevent fraud, the more barriers there are that could inhibit enrollment among those who need the coverage.” CMS said in July that some types of policy changes — those in which the agent is not “affiliated” with the existing plan — will face more requirements, such as a three-way call with the consumer, broker, and a healthcare.gov call center representative. In August, the agency barred two of about a dozen private sector online-enrollment platforms from connecting with healthcare.gov over concerns related to improper switching. And CMS has suspended 850 agents suspected of being involved in unauthorized plan-switching from accessing the ACA marketplace. Still, the clampdown could add complexity to enrollment and slow the process. For example, a consumer might have to wait in a queue for a three-way call, or scramble to find a new agent because the one they previously worked with had been suspended. Given that phone lines with healthcare.gov staff already get busy — especially during mid-December — agents and policy analysts advise consumers not to dally this year. “Hit the ground running,” said Ronnell Nolan, president and CEO of Health Agents for America, a professional organization for brokers. Meanwhile, reports are emerging that some rogue entities are already figuring out workarounds that could undermine some of the anti-fraud protections CMS put in place, Nolan said. “Bottom line is: Fraud and abuse is still happening,” Nolan said. Brokers assist the majority of people actively enrolling in ACA plans and are paid a monthly commission by insurers for their efforts. Consumers can compare plans or enroll themselves online through federal or state marketplace websites. They can also seek help from people called assisters or navigators — certified helpers who are not paid commissions. Under a “find local help” button on the federal and state ACA websites , consumers can search for nearby brokers or navigators. CMS says it has “ramped up support operations” at its healthcare.gov marketplace call centers, which are open 24/7, in anticipation of increased demand for three-way calls, and it expects “minimal wait times,” said Jeff Wu, deputy director for policy of the CMS Center for Consumer Information and Insurance Oversight. Wu said those three-way calls are necessary only when an agent or a broker not already associated with a consumer’s enrollment wants to change that consumer’s enrollment or end that consumer’s coverage. It does not apply to people seeking coverage for the first time. Organizations paid by the government to offer navigator services have a dedicated phone line to the federal marketplace, and callers are not currently experiencing long waits, said Xonjenese Jacobs, director of Florida Covering Kids & Families, a program based at the University of South Florida that coordinates enrollment across the state through its Covering Florida navigator program. Navigators can assist with the three-way calls if a consumer’s situation requires it. “Because we have our quick line in, there’s no increased wait time,” Jacobs said. The problem of unauthorized switches has been around for a while but took off during last year’s open enrollment season. Brokers generally blamed much of the problem on the ease with which rogue agents can access ACA information in the federal marketplace, needing only a person’s name, date of birth, and state of residence. Though federal regulators have worked to tighten that access with the three-way call requirement, they stopped short of instituting what some agent groups say is needed: two-factor authentication, which could involve a code accessed by a consumer through a smartphone. Unauthorized switches can lead to a host of problems for consumers, from higher deductibles to landing in new networks that do not include their preferred physicians or hospitals. Some people have received tax bills when unauthorized policies came with premium credits for which they did not qualify. Unauthorized switches posed a political liability for the Biden administration, a blemish on two years of record ACA enrollment. The practice drew criticism from lawmakers on both sides of the aisle; Democrats demanded more oversight and punishment of rogue agents, while Republicans said fraud attempts were fueled by Biden administration moves that allowed for more generous premium subsidies and special enrollment periods. The fate of those enhanced subsidies, which are set to expire, will be decided by Congress next year as the Trump administration takes power. But the premiums and subsidies that come with 2025 plans that people are enrolling in now will remain in effect for the entire year. The actions taken this year to thwart the unauthorized enrollments apply to the federal marketplace, used by 31 states . The remaining states and the District of Columbia run their own websites, with many having in place additional layers of security. Related Articles Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’ More foods are making us sick: What to know as foodborne outbreaks hit Cities, states say they’ll need more help to replace millions of lead pipes At least 19 people are sick in Minnesota from ground beef tied to E. coli recall Which health insurance plan may be right for you? For its part, CMS says its efforts are working, pointing to the 30% drop in complaint casework. The agency also noted a 90% drop in the number of times an agent’s name was replaced by another’s, which it says indicates that it is tougher for rival agents to steal clients to gain the monthly commissions that insurers pay. Still, the move to suspend 850 agents has drawn pushback from agent groups that initially brought the problem to federal regulators’ attention. They say some of those accused were suspended before getting a chance to respond to the allegations. “There will be a certain number of agents and brokers who are going to be suspended without due process,” said Nolan, with the health agents’ group. She said that it has called for increased protections against unauthorized switching and that two-factor authentication, like that used in some state marketplaces or in the financial sector, would be more effective than what’s been done. “We now have to jump through so many hoops that I’m not sure we’re going to survive,” she said of agents in general. “They are just throwing things against the wall to see what sticks when they could just do two-factor.” The agency did not respond to questions asking for details about how the 850 agents suspended since July were selected, the states where they were located, or how many had their suspensions reversed after supplying additional information.

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As in his first term, Donald Trump has selected two executives with both deep pockets and deep ties to Wall Street to lead the United States’ most important Cabinet posts for the economy – a top concern for American voters. Markets roared their apparent approval Monday of the Nov. 22 nomination of billionaire hedge fund CEO Scott Bessent for U.S. treasury secretary. Days earlier, the president-elect selected billionaire Howard Lutnick, head of a brokerage and investment bank, as commerce secretary. “These are more consensus-oriented, market-friendly, business-friendly Cabinet appointments,” says Mark Zandi, chief economist at Moody’s Analytics. That said, the economic team – and it is not filled out yet – is looking at plenty of fiscal and economic challenges. On Monday, after U.S. markets closed, Mr. Trump announced that on the first day of his administration, he will impose a 25% tariff on Canadian and Mexican goods and add a 10% tax to Chinese goods – many of which are already taxed. Economists say China has already accounted for coming tariffs. “At the end of the day, it’s about jobs,” says Mr. Zandi. “That’s going to be how President Trump’s economic policies are ultimately going to be judged.” As in his first term, Donald Trump has selected two executives with both deep pockets and deep ties to Wall Street to lead the United States’ most important Cabinet posts for the economy – a top concern for American voters. U.S. stock markets rose in apparent approval Monday following the Nov. 22 nomination of billionaire hedge fund CEO Scott Bessent for U.S. treasury secretary. Days earlier, the president-elect selected billionaire Howard Lutnick, head of a brokerage and investment bank, as commerce secretary. “These are more consensus-oriented, market-friendly, business-friendly Cabinet appointments,” says Mark Zandi, chief economist at Moody’s Analytics. “Investors are OK with these choices, and that’s because they are mainstream.” That said, the economic team – and it is not filled out yet – faces plenty of fiscal and economic challenges, with no clarity as to how American workers will fare. The incoming president promised in a statement Friday that under Mr. Bessent’s leadership, “No Americans will be left behind in the next and Greatest Economic Boom.” But of Mr. Trump’s promised tax cuts, some economists wonder: Will they explode government borrowing – and interest rates? Likewise, of Mr. Trump’s promised tariffs, or taxes on imports: Will they trigger higher prices for imported goods? Will they start a trade war? On Monday, after U.S. markets closed, the incoming president announced that on the first day of his administration, he will impose across-the-board tariffs on America’s biggest trading partners: a 25% tariff on all Canadian and Mexican goods, and a 10% tax on all Chinese goods. Many Chinese goods are already taxed under tariffs imposed in President Trump’s first term and continued in the Biden administration. The new Chinese tariff would be on top of that. It could just be an opening salvo, given that Mr. Trump has talked about a 60% tariff on China. Mr. Trump said in Truth Social posts that the tariffs are meant to force these countries to crack down on border security, including fentanyl exports. The tariff announcement was met with disquiet from abroad. Mexican President Claudia Sheinbaum Pardo warned the incoming president that “Neither threats nor tariffs will solve the issue of migration or drug consumption” and said in a letter that Mexico would retaliate in kind if the U.S. follows through. She pointedly reminded him that 70% of illegal weapons seized from criminals in Mexico are from the U.S. “Tragically, it is in our country that lives are lost to the violence resulting from meeting the drug demand in yours.” In Canada, Ontario Premier Doug Ford called the plan “devastating.” Prime Minister Justin Trudeau phoned Mr. Trump in a brief call focused on border security and trade. His remarks to his Cabinet were measured: “This is a relationship that we know takes a certain amount of working on, and that’s what we’ll do.” Chinese Embassy spokesperson Liu Pengyu said that “no one will win a trade war” and flatly denied that China “knowingly” allows fentanyl precursors into the U.S. Mr. Trump’s use of tariffs to get what America wants jives with Mr. Bessent’s comments that they are negotiating tools to achieve America’s economic and foreign policy aims. He rejects the claim that they are inflationary, saying there was “no discernible rise in inflation” after the first round of tariffs in Trump 1.0. “Whether it is getting allies to spend more on their own defense, opening foreign markets to U.S. exports, securing cooperation on ending illegal immigration and interdicting fentanyl trafficking, or deterring military aggression, tariffs can play a central role,” Mr. Bessent wrote in a Nov. 15 opinion piece for Fox News. America is the world’s largest importer, bringing in $3 trillion worth of goods from other countries. It needs to use that leverage to raise revenue, protect strategic industries, and work out deals with America’s trading partners, he wrote. Mr. Lutnik sees things similarly. As he puts it, tariffs are “a bargaining chip” to force other countries to lower their import taxes and create a freer market. Some economists see a solid rationale behind a more assertive U.S. trade policy, given that the current chronic imbalances suggest that “free trade” isn’t the status quo. “Bessent is right. ... The global trading system is badly broken and needs to be fixed,” Michael Pettis, an economist at the Carnegie Endowment, wrote in a series of posts on the social media platform X Monday. But many economists and other observers are skeptical. Jack Zhang, the director of the Trade War Lab at the University of Kansas, says China has already accounted for coming tariffs. During his first trip back to China since the pandemic, he encountered a collective shrug as he traveled through that nation’s rust belt this summer. To be sure, targeted tariffs can be effective, says the political scientist, but global supply chains have grown even more complex since the pandemic, meaning that tariffs have lost political potency while their impacts on consumers and producers remain steady. “Trench economic warfare is where we are with tariffs and have been there for the last eight years, and the costs have mounted on businesses and consumers,” says Dr. Zhang. Indeed, “China is a different animal” compared with Mexico and Canada, says Scott Lincicome, vice president of General Economics and Stiefel Trade Policy Center at the libertarian Cato Institute. “The Canada-Mexico thing is totally different. A 25% tariff on everything from Canada and Mexico would have substantial economic ramifications, including on produce. It defies belief that Trump, on the first day, would impose a guacamole tax right before the Super Bowl.” At the same time, he says, “We should all step away from the ledge on this.” He says the once-and-future president tends to post tariff threats on social media fairly regularly, and then companies and governments “scramble around to find some sort of chit to give him that isn’t substantively important” but allows him to declare victory. Nonetheless, he warns, “This kind of uncertainty is bad for investment, and it’s bad for the economy.” There’s an inherent tension in a tariff strategy, explains Kyle Pomerleau, an economist at the American Enterprise Institute. While Mr. Trump promises to lower consumer costs, he says that tariffs will increase prices. If that fuels inflation and triggers the Federal Reserve to raise interest rates to tamp it down, Americans might find it harder to afford mortgages and car loans. Similarly, he sees problems with the president-elect’s promise to make permanent his first-term tax cuts – which expire at the end of 2025 – and to lower them further by eliminating taxes on tips, overtime pay, and Social Security. This would lead to more government borrowing, putting upward pressure on prices and higher interest rates – at a time when borrowing is more expensive, warns Mr. Pomerleau. Meanwhile, the nation is set to hit its national debt ceiling next year, with a new ceiling needed to be negotiated with Congress. “Trump, his administration, and Congress need to tread lightly here,” says Mr. Pomerleau. Because of the incoming president’s campaign promises, “There’s going to be immense pressure to extend the individual tax cuts. There may be additional pressure to cut taxes even further. ... But the fiscal challenges currently make that quite difficult.” Again, Mr. Bessent sees things differently. In interviews and writings, he argues that cutting taxes and deregulation lead to economic growth, which throws more revenue into government coffers. But he also wants to cut government spending, including subsidies for electric vehicle manufacturers. He touts a “3-3-3” policy – cutting the budget deficit to 3% of gross domestic product, spurring economic growth to 3%, and producing an additional 3 million barrels of oil a day. He has said that boosting energy output would decrease oil prices, which are the lead driver of inflation expectations. The three-pronged plan is based on a similar one by the late Japanese Prime Minister Abe Shinzo. The agency he would lead is the most powerful of the federal government’s economic policymaking agencies. The Department of the Treasury carries out tax policy, handles the national debt, leads financial regulators, and controls sanctions – though not directly tariffs, though it has influence (those are handled by the U.S. trade representative, a position not yet filled). Other members of the president-elect’s named economic team want to drastically reduce the size of the federal government. Russell Vought was nominated to once again lead the Office of Management and Budget. A key figure in The Heritage Foundation’s conservative blueprint, Project 2025, Mr. Vought supports greatly expanded presidential powers, including the ability to withhold monies that Congress has allocated – an idea that Bobby Kogan, of the progressive Center for American Progress, described as “illegal.” When impoundments like that were adjudicated in the 1970s, “Nixon lost every case that was decided on the merits,” he said in a statement. Then there are Elon Musk and Vivek Ramaswamy, leaders of the Department of Government Efficiency. The DOGE, as Mr. Musk likes to call it for its allusion to cryptocurrency dogecoin, has no actual authority, though Mr. Musk has big ideas – like cutting about 30% of the federal budget of $6.75 trillion. Medicare and Social Security alone account for about a third of the budget, defense 13%, and 10% on interest for the federal debt. Whatever cuts the administration might propose would need to be worked out with Congress, as they control the nation’s purse strings. Economist Mr. Zandi says it’s too soon to tell whether all of this will add up to better lives for working Americans. Mr. Trump’s nominee for labor secretary, Oregon Republican Rep. Lori Chavez-DeRemer, is staunchly pro-union. Her father was a Teamster, and Teamster President Sean O’Brien welcomes the nomination – even as he writes that it “remains to be seen what she will be permitted to do.” How tariffs will work out for workers is “way too early” to call, says Mr. Zandi. Equally uncertain is the extent of mass deportations and how deeply they may impact migrant workers in the agriculture sector – and food prices. “At the end of the day, it’s about jobs,” says Mr. Zandi. “That’s going to be how President Trump’s economic policies are ultimately going to be judged – whether he created more jobs, good paying jobs, union jobs.” He’s skeptical that the administration’s policies will add up to that. But America is about to find out.Jamie Foxx Pressing Charges, How Was Jamie Foxx's Birthday Ruined? Social Media Thinks Jamie Foxx is Cursed, Jamie Foxx Discusses Diddy Conspiracies and More Jamie Foxx NewsSmith & Nephew chief Deepak Nath in 'last chance saloon' By JESSICA CLARK Updated: 21:50 GMT, 28 December 2024 e-mail View comments Smith & Nephew's boss has been warned that he is in the 'last chance saloon' and must turn the company around. Activist investors have given Deepak Nath, the US-based chief executive of the medical equipment giant, two months to demonstrate improvements. Shareholders have run out of patience with the pace of his strategy, The Mail on Sunday understands. They will pressure Nath to resign in the New Year unless he proves that the FTSE 100 firm has made operational improvements by the time that the company's full-year results are announced in February. Smith & Nephew, founded in Hull in 1856, develops technology for surgeries such as repairing soft tissue injuries and degenerative joint conditions. It is chaired by Rupert Soames, 65, who is the former boss of outsourcer Serco and is Sir Winston Churchill's grandson. Borrowed time: Deepak Nath Smith & Nephew is made up of three divisions: sports medicine, wound management, and orthopaedics. Its sports medicine and wound management arms are both considered to be the second best in the world for those specialisms.However, investors have lobbied for a shake-up in the orthopaedics division. Shareholders also want the company to slash central costs and overhaul its troubled Chinese business. Shares in the company are down nearly 7 per cent this year and have tumbled 42 per cent in the past five years. Overall profit margins are around 17 per cent – much lower than at its competitors, which include Johnson & Johnson and Stryker. The company's largest shareholder is asset manager BlackRock with 5 per cent, while activist hedge funds Cevian Capital and Harris Associates are also top-ten holders. Cevian has not made its intentions for Smith & Nephew public, but under founder Christer Gardell, it has developed a fearsome reputation. The hedge fund is best known for its role in trying to split up German steel giant ThyssenKrupp back in 2018. Ulrich Lehner, ThyssenKrupp chairman at the time, accused the activist investors involved of 'psycho-terror' tactics to force the resignation of several senior executives. Dan Coatsworth, an investment analyst at investment platform AJ Bell said: 'Investors are notoriously impatient and time is running out for Smith & Nephew chief Deepak Nath to provide evidence that the current turnaround programme is the right one. 'The longer Smith & Nephew's share price stays weak, the greater the likelihood that Nath's days are numbered.' RELATED ARTICLES Previous 1 Next Smith & Nephew chairman Rupert Soames fires back at investor... Break-up bombshell rocks Smith & Nephew Share this article Share HOW THIS IS MONEY CAN HELP How to choose the best (and cheapest) stocks and shares Isa and the right DIY investing account Smith & Nephew has seen fast chief executive turnover, notching up four bosses in five years. Nath was hired in April 2022 to replace Roland Diggelmann, who left by 'mutual agreement' after less than three years. A former Siemens executive, Nath launched a plan to attempt to boost shareholder value, but investors have been unimpressed with the results. Some 43 per cent opposed a plan to raise his pay to more than £9 million at the company's annual meeting this year amid disappointment at his performance. But it is understood that the high chief executive salary could be beneficial in attracting Nath's successor if he is ousted. A Smith & Nephew spokeswoman said: 'Over the last two years, we have delivered revenue growth significantly above historical levels and increased profitability. There is clear momentum across the business, with sharper operational and commercial execution, including returning US hip and knee implants to growth. We are totally focused on delivering shareholder value.' DIY INVESTING PLATFORMS AJ Bell AJ Bell Easy investing and ready-made portfolios Learn More Learn More Hargreaves Lansdown Hargreaves Lansdown Free fund dealing and investment ideas Learn More Learn More interactive investor interactive investor Flat-fee investing from £4.99 per month Learn More Learn More Saxo Saxo Get £200 back in trading fees Learn More Learn More Trading 212 Trading 212 Free dealing and no account fee Learn More Learn More Affiliate links: If you take out a product This is Money may earn a commission. These deals are chosen by our editorial team, as we think they are worth highlighting. This does not affect our editorial independence. 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Italy, the Netherlands and Canada on Thursday said they would comply with the International Criminal Court's (ICC) arrest warrants for Israeli Prime Minister Benjamin Netanyahu and former Defense Minister Yoav Gallant. The Hague-based court announced the warrants earlier in the day, accusing Netanyahu and Gallant of war crimes and crimes against humanity over the war in Gaza. It also issued a warrant for the Palestinian resistance group's military chief Mohammed Deif. Italian Defense Minister Guido Crosetto said his country would be obliged to arrest Netanyahu if he visited. Crosetto – whose country holds the G-7 rotating presidency this year – told RAI television's Porta a Porta program that he believed the ICC was "wrong" to put Netanyahu and Gallant on the same level as Hamas. But he said that if Netanyahu or Gallant "were to come to Italy, we would have to arrest them." It was not a political choice but Italy was bound as a member of the ICC to act on the court's warrants, Crosetto said. Foreign Minister Antonio Tajani had earlier been more cautious, saying: "We support the ICC, while always remembering that the court must play a legal role and not a political role. "We will evaluate together with our allies what to do and how to interpret this decision." The warrant marked the first time that a sitting leader of a major Western country has been accused of war crimes and crimes against humanity by a global court of justice. The ICC panel said there were reasonable grounds to believe that both Netanyahu and his ex-defense minister bear responsibility for the war crime of starvation and the crimes against humanity of murder, persecution and other inhumane acts. Israel's war has caused unprecedented destruction across Gaza, decimated parts of the territory and driven almost the entire population of 2.3 million people from their homes, leaving most dependent on aid to survive. More than 13 months into the war, Israel has killed over 44,000 Palestinians, mostly women and children, according to local health authorities. The conflict started after Hamas' cross-border attack against Israel on Oct. 7, 2023, killing some 1,200 people. Dutch Foreign Minister Caspar Veldkamp, whose country hosts the International Criminal Court, has confirmed the Netherlands would arrest Netanyahu if he arrived on Dutch soil. "The line from the government is clear. We are obliged to cooperate with the ICC... we abide 100% by the Rome Statute," Veldkamp said in response to a question in parliament Thursday. Josep Borrell, the European Union's foreign policy chief, underlined that the arrest warrants are a legal and not political matter, and that they are binding on all 27 EU member countries and other signatories to the ICC to implement. "The tragedy in Gaza has to stop," Borrell told reporters during a visit to Jordan on Thursday. "It is not a political decision. It is the decision of an international court of justice, and the decision of the court has to be respected, and implemented." "This decision is a binding decision on all state parties of the court, which include all members of the European Union," he added. Separately, Canadian Prime Minister Justin Trudeau affirmed his country's support and compliance with the ICC warrants. "First of all, as Canada has always said, it's really important that everyone abide by international law. This is something we've been calling on from the beginning of the conflict," Trudeau told reporters in the Toronto area. Canada is one of the founding members of the International Criminal Court and the International Court of Justice. Asked whether Netanyahu and Gallant would be arrested if they stepped foot in Canada, Trudeau said, "We stand up for international law, and we will abide by all the regulations and rulings of the international courts." He noted the need to find a solution to the genocide in the Gaza Strip. "We need to see aid flowing into people who are facing famine and disease," he said. Urging that all hostages should be released, Trudeau stressed the importance of a cease-fire and to "get back on track towards a two-state solution, with a peaceful Israel living alongside a peaceful Palestinian state." The National Council of Canadian Muslims (NCCM) described Trudeau's remarks as "a serious and major step forward on the road to justice for Gaza and Palestine." "Today, the Prime Minister did that in accepting that Canada would recognize the arrest warrants. This means, in theory, that Netanyahu and Gallant could be arrested if they stepped foot in Canada," it said. Emphasizing that it is "an important moment," the Muslim group stated that "Canada has chosen to do the right thing." It is an important step forward and we must continue to uphold international law and our commitment to human rights," it added.