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

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IBM Administering IBM Workplace Services

IBM says Watson AI capabilities will now work on any cloud | killexams.com actual 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 work on vie cloud computing providers as it seeks to win over valued clientele that covet better flexibility in how they retain and anatomize 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 comprise a pending acquisition of open-supply utility company crimson Hat for $34 billion.

With the trade, corporations could exist in a position to consume Watson AI tackle corresponding to Watson Assistant, which may abet them multiply 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 huge agencies storing data across hybrid cloud environments, they want the liberty and selection to observe AI to their information at any position it is saved,” Rob Thomas, usual manager of IBM records and AI, said in a information liberate on Tuesday because it opened “suppose,” its annual convention in San Francisco to demonstrate off recent expertise.

IBM will import on an open-supply software tackle called Kubernetes to Make the links to vie clouds.

IBM in recent years has sought to bolster its sooner-turning out to exist 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 vital - in a hybrid cloud ambiance where organizations don’t want to exist locked into a single cloud supplier for everything kinds of service, exist it for AI or anything.”

Reporting by Paresh Dave; enhancing through Sonya Hepinstall

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

Two of IBM’s Watson-branded collection of laptop-intelligence capabilities can exist accessible to sprint 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 too exist deployed on Kubernetes. 

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

“rather than making an attempt to stream the information to a single 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 work on records in area, instead of affecting the records to the processing.

at present, handiest two features—Watson assistant and Watson OpenScale, which Puri described as “flagship products”—should exist 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 way to teach, installation, and oversee laptop getting to know models and neural networks in an industry surroundings.

IBM Cloud private for facts is composed of preconfigured microservices that sprint 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 transparent these local Watson incarnations accomplish 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 comprise 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 exist periodically up-to-date. Puri couldn't provide a selected timeline for a way regularly recent versions of local Watson functions will arrive down the pike (quarterly, yearly, and so forth.), but he did verify that it should exist updated “on a comparatively general groundwork.”

The volume of tackle 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 exist 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 work to port it to a local incarnation has already been achieved.

This recent incarnation of Watson capabilities provides a glimpse into probably the most motives round IBM’s acquisition of pink Hat. IBM Cloud inner most can consume 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 applaud IBM's circulation To Make Watson obtainable pass-Cloud | killexams.com actual Questions and Pass4sure dumps

IBM (NYSE: IBM)’s scoot to Make its Watson AI expertise purchasable on competing cloud functions is a good, analysts referred to following the computing enterprise’s annual IBM deem 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 hold Watson AI to them in the event that they consume 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 consume via valued clientele with data that can exist kept in competing cloud information facilities, akin to Microsoft organisation (NASDAQ: MSFT)’s Azure and Amazon.com Inc. (NASDAQ: AMZN)’s Amazon internet features.


IBM's new dedication to work across everything platforms, together with competing ones, to profit access to an even bigger market probability turned into the most high-quality exchange in approach at IBM and a auspicious 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 recent openness with Watson, as well as noting IBM’s announcement of recent capabilities to aid consumers migrate work 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 auspicious 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 firm 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 exist Overbought in the nearby 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. everything rights reserved.

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Administering IBM Workplace Services Express 2.6

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House Labor Committee Issues Testimony From Georgetown University | killexams.com actual 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 answerable for directing research and analysis on health insurance, health insurance markets, and implementation of the Patient Protection and Affordable keeping Act (ACA). The views I express today are my own and accomplish not reflect those of Georgetown University.

"I thank you for the break 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 possess disproportionately harmful effects on individuals and workers with health keeping needs.

The ACA Corrected Many Problems in a Dysfunctional Insurance Market

"The Affordable keeping Act was enacted in fragment to rectify serious deficiencies in health insurance markets that left millions uninsured and millions more with inadequate coverage that failed to protect them from serious monetary harm if and when they got sick. In order to assess the impact the ACA has had, it is essential to understand the problems that Congress was seeking to solve when it enacted the law in 2010.

"Prior to implementation of the Affordable keeping Act's market reforms, approximately 48 million Americans lacked health insurance.1 Those without health insurance possess 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 retard or forego needed keeping 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 too results in monetary 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 lofty and rising uninsured rate led to lofty and rising uncompensated keeping 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 keeping for a loved one, start their own business, or pursue other work that better fit their skills and talents - meant leaving the guarantee of subsidized health insurance coverage sponsored by the employer for the uncertainty of the individual health insurance marketplace. Economists call this "job lock." Until 2014, the individual health insurance market was an inhospitable place, particularly for anyone in less than perfect health. That's a lot of us - an estimated 133 million Americans possess at least one pre-existing condition.6

"Additionally, although most large 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, habitual health conditions--with large 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 large businesses.

Problems with Access

"Prior to the ACA, in most states, applicants for health insurance could exist 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 establish that even people with minor health keeping conditions, such as hay fever, could exist turned down for coverage.9

"A U.S. Government Accountability (GAO) study in 2011 establish that objective 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 keeping claims within their first year of coverage, the insurer would investigate that person's health history. If they establish evidence that their condition was a pre-existing one and not fully disclosed during the initial underwriting process, even if unintentional, the company would contravene the germane claims and rescind or cancel the coverage.11 The ACA has prohibited this exercise except in transparent cases of fraud by the policyholder.

Problems with Affordability

"Prior to the Affordable keeping Act, individual insurance was often unaffordable. Unlike those with employer sponsored coverage or in public programs like Medicare or Medicaid, people with individual insurance had to pay the complete 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 establish that nearly three-quarters (73 percent) of people seeking coverage in the individual market did not terminate 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 exist 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 consume more health keeping services than men), family size, geographic location, the work they do, and even their lifestyle.13 A Georgetown University study of insurers' rating practices before the Affordable keeping Act establish rate variation of more than nine-fold for the very policy based on age and health status.14

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

Problems with Coverage Adequacy

"Prior to the Affordable keeping Act, coverage in the individual market was often inadequate to meet people's health keeping needs. In addition to paying more in premiums, people in the individual market too spent a larger share of their income on cost-sharing than those with employer-sponsored coverage. A primary reason people buying individual insurance coverage had lofty 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 era of time exclude from covered benefits treatments for any health problem that a consumer disclosed on their application. This exercise was banned under the Affordable keeping Act.

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

* lofty out-of-pocket costs: Prior to the Affordable keeping Act, individual insurance policies often came with lofty deductibles - $10,000 or more was not uncommon - and lofty 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 objective enrollee's covered health keeping costs. The law too 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 serious lofty cost medical conditions, such as hemophilia, serious cancers, or end-stage renal disease, this can literally exist 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 keeping 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 abet people with health keeping needs;

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

* Subsidies to abet people afford the insurance coverage (with Medicaid expansion available for people under 138 percent of the federal poverty line). The Affordable keeping Act too 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' monetary 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 suggest those gains are now being reversed.19,20

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

"Since enactment of the ACA, the percentage of Americans reporting that they didn't observe 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 possess a primary keeping doctor or possess had a check-up in the eventual 12 months.22

"Research too 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, possess establish that coverage expansion in that state led to reported improvements in physical and mental health, as well as reductions in mortality.23 A Harvard study establish that expanded coverage under the ACA was linked to major improvements in the diagnosis and treatment of habitual diseases such as hypertension, diabetes, and lofty cholesterol.24

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

"The ACA has too helped reduce uncompensated keeping costs borne by providers. For example, hospital-based uncompensated keeping 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 routine choices, while putting protections for workers with job-based coverage at risk.

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

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

"The attorney general of Texas leads a coalition of states seeking to possess the ACA enjoined, arguing that the individual mandate is unconstitutional, and the relaxation of the law is non-severable from the mandate provision. A district court umpire 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 endeavor to repeal the law without any transparent public policy to replace it. Congress explicitly rejected repealing the ACA without a replacement in 2017. This is because uprooting a intricate law that has been in position for almost 10 years, touches almost every facet of their health keeping system, and includes many provisions with widespread bipartisan support (such as allowing young adults to stay on their parents' plans until age 26, closing the Medicare drug profit "donut hole," and expanding Medicaid) will inevitably result in dramatic negative consequences:

"First, an estimated 32 million people will lose their insurance coverage.28 Second, those remaining in the individual market would observe 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 exist in working families.30 Fourth, repealing the ACA will possess significant negative consequences for public health and safety. For example, researchers from Harvard and recent York University establish that repealing the ACA would result in 1.25 million Americans with serious mental conditions losing coverage. They further assess that 2.8 million Americans with a substance consume 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 tender 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 multiply in the uninsured will impose significant monetary harm on hospitals and other health keeping providers. For example, repealing the ACA without a replacement was estimated to cost the nation's public hospitals $54.2 billion in uncompensated keeping 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 keeping 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 too 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 everything recent health plans, including those sponsored by employers, to cover recommended preventive services without cost-sharing, bringing recent benefits to 71 million Americans.37 That means individuals can accept the screenings, immunizations, and annual check-ups that can tangle illness early or prevent it altogether without worrying about meeting a costly deductible or co-payment. Women employees can too access affordable contraception, making available a wider variety of contraceptive choices and increasing consume of long-term contraceptive methods.

Pre-Existing Condition Exclusions

"Under the ACA, employers cannot impose a waiting era 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 recent job--might possess to wait up to 12 months for the routine to cover pre-existing health conditions. You could "buy down" that waiting era with months of coverage under another plan, so long as it was the right benign of routine and you didn't fade 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 accept another job with benefits, you might find the keeping you needed wasn't covered under your routine for an entire year.

Dependent Coverage to Age 26

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

Annual Out-Of-Pocket Limit

"The ACA requires everything recent health plans, including those sponsored by employers, to cap the amount individuals can exist expected to pay out-of-pocket each year. Prior to the ACA, even those with the security of coverage on the job couldn't import 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 cleave off. For individuals who needed costly care, like a baby born prematurely or those with hemophilia or multiple sclerosis, that often meant a desperate scramble to find recent coverage options as one after another profit restrict was reached.

External Review

"The ACA guarantees individuals the right to an independent review of a health plan's decision to contravene benefits or payment for services, regardless of whether the employer routine 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 routine 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, monetary data from insurers demonstrate that the ACA markets were birth 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 exist stable in most places if left unchanged.40 Consistent with this projection, 2017 appears to possess 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 routine years 2018 and 2019 establish 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 cleave 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 uncertainty 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 decrease spending on marketplace advertising and consumer assistance, which are faultfinding for educating and enrolling the sound uninsured. For example, a Cigna filing for 2018 illustrious 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 exist smaller and sicker due to "potential movement into other markets." These markets comprise association health plans and short-term health plans, both of which are exempt from many of the Affordable keeping 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 multiply in premiums for silver smooth health plans. The people who suffer the most from these premium increases are the working middle class: entrepreneurs who sprint their own businesses, freelancers and consultants, independent contractors, farmers and ranchers, and early retirees who merit too much to qualify for the ACA's premium subsidies.

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


"The ACA is by no means perfect, and there remain many people who struggle to find affordable health keeping coverage. Even the law's most ardent supporters own that more could exist done to encourage states to expand Medicaid, abet families who merit too much to qualify for subsidies, reduce extreme deductibles, and improve access for those who are otherwise ineligible for coverage. There are a compass of policy options that would strengthen the law's foundation while too building on its remarkable achievements. I applaud this committee for providing a forum for constructive debate on these issues. Thank you, and I survey forward to your questions."

* * *


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 Steady 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 outcome of the Patient Protection and Affordable keeping Act Medicaid Expansions on monetary 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 keeping 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. actual Stories, actual 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 outcome of Guaranteed Issue and recent 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 keeping 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 objective Premiums and objective 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 tender Coverage That Falls Short Of What Can exist 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 achieve 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 keeping Access and Affordability, and routine 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 keeping 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 habitual 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 candid RG, Glied SA. retain Obamacare to retain 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 keeping 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 keeping 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 profit 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 exist Better Than 2015, But Achieving Target Profitability Will hold Longer, S&P Global Ratings, Dec. 2016. observe too Herman B. How some Blues made the ACA work while others failed. Modern Healthcare. October 15, 2016. Available at www.modernhealthcare.com/article/20161015/MAGAZINE/310159989.

40 H.R. 1628 American Health keeping 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 observe Corlette S. The Effects of Federal Policy: What Early Premium Rate Filings Can disclose Us About the Future of the Affordable keeping 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 possess to: Trends from Early Health routine 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 accomplish Early Insurance Company Filings disclose Us? CHIRblog, May 2017. Available at http://chirblog.org/proposed-premium-rates-for-2018-what-do-early-filings-tell-us/.


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

Hiring the best and brightest cybersecurity talent will always exist difficult for state and local governments. They possess to compete with private-sector firms that can tender significantly greater compensation. Many government agencies too must meet rigorous certification standards for recent hires, including exceptional requirements that Make 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 exist a global shortage of 3.5 million cybersecurity workers by 2021. Moreover, the Cisco 2018 Annual Cybersecurity Report establish 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 possess built and staffed their own cybersecurity centers. Others possess offered grants to establish cybersecurity courses to train recent 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 interpose children and young adults to the territory of cybersecurity by completing various challenges. At a more strategic level, many state 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 solve 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 injurious actors consume — and methods to thwart and resolve them — are constantly evolving. Drawing from the lessons learned and best practices of more than just a single organization enables security professionals to exist more efficient with their time, achieve maturity more quickly and to identify and leverage innovation earlier.

Efforts are underway. The state 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 germane 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 break for top-down mandates around collaboration. 

MITRE’s learning groundwork 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 learning groundwork 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 learning groundwork 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 disclose practitioners which systems they exigency to exist monitoring and what they exigency to exist collecting from them to mitigate and/or detect misuse of the technique. The consume of learning provided by the framework can almost immediately multiply the maturity of a government security organization.

By classifying attacks into discreet tactics, it’s easier for researchers to observe common patterns, determine the author of different campaigns and track how a threat has evolved over the years as the author adds recent features and storm 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 possess to find recent ways to Make better consume 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 skill to easily implement sophisticated defense-in-depth capabilities based on internal and external data sources like the ATT&CK framework. As a result, government agencies are birth to adopt SOAR, seeking to quickly and effectively resolve a significant portion of the thousands of alerts they receive each day while too ensuring that processes and standards are enforced through automation. This will free up their security experts to spend more time on intricate investigations, creating innovative processes, and proactive threat hunting.

From optimal productivity and performance to the skill 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 like the MITRE ATT&CK framework. 

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

No result found, try recent keyword!A spinoff from an existing client with 2.5 billion in assets chose SS&C GlobeOp fund administration and regulatory solutions. A Hong Kong-based investment firm chose SS&C GlobeOp fund services for ...

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Microsoft [374 Certification Exam(s) ]
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Military [1 Certification Exam(s) ]
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mySQL [4 Certification Exam(s) ]
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NIELIT [1 Certification Exam(s) ]
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Novell [37 Certification Exam(s) ]
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Oracle [279 Certification Exam(s) ]
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PostgreSQL-CE [1 Certification Exam(s) ]
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Real-Estate [1 Certification Exam(s) ]
RedHat [8 Certification Exam(s) ]
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Riverbed [8 Certification Exam(s) ]
RSA [15 Certification Exam(s) ]
Sair [8 Certification Exam(s) ]
Salesforce [5 Certification Exam(s) ]
SANS [1 Certification Exam(s) ]
SAP [98 Certification Exam(s) ]
SASInstitute [15 Certification Exam(s) ]
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Veeam [2 Certification Exam(s) ]
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Vmware [58 Certification Exam(s) ]
Wonderlic [2 Certification Exam(s) ]
Worldatwork [2 Certification Exam(s) ]
XML-Master [3 Certification Exam(s) ]
Zend [6 Certification Exam(s) ]

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zoho.com : https://docs.zoho.com/file/5wmnz9b28cef25a11436b958301206ff179d5

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