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As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. Suit names long list of defendants The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. Defendants respond to requests for comment The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. Lawsuit: COVID relief package made ‘scheme’ possible The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” How it started The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. Complaints from former employees and clients The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.None

WASHINGTON (AP) — Former House Speaker Nancy Pelosi has been hospitalized after she “sustained an injury” during an official engagement in Luxembourg, according to a spokesman. Pelosi, 84, was in Europe with a bipartisan congressional delegation to mark the 80th anniversary of the Battle of the Bulge in World War II . Her spokesman, Ian Krager, said in a statement that she is “currently receiving excellent treatment from doctors and medical professionals” and is unable to attend the remainder of events on her trip. He did not describe the nature of her injury or give any additional details, but a person familiar with the incident said that Pelosi tripped and fell while at an event with the other members of Congress. The person requested anonymity to discuss the fall because they were not authorized to speak about it publicly. Krager said that Pelosi “looks forward to returning home to the U.S. soon." Among the members on the trip was Rep. Michael McCaul , R-Texas, who posted on social media that he was “praying for a speedy recovery,” for Pelosi. The two lawmakers were captured holding hands in a group photo Friday at the U.S. Embassy in Luxembourg. “I’m disappointed Speaker Emerita Pelosi won’t be able to join the rest of our delegation’s events this weekend as I know how much she looked forward to honoring our veterans,” McCaul wrote on X. “But she is strong, and I am confident she will be back on her feet in no time.” The former leader's fall comes two years after her husband Paul was attacked by a man with a hammer at their San Francisco home. The man, who was sentenced in October to 30 years in federal prison, broke into their home looking for Pelosi. Pelosi, who was first elected in 1987 and served as speaker twice, stepped down from her leadership post two years ago but remained in Congress and was re-elected to represent her San Francisco district in November. She has remained active in the two years since she left the top job, working with Democrats in private and in public and attending official events. Last summer, she was instrumental in her party's behind the scenes push to urge President Joe Biden to leave the presidential ticket. She attended the Kennedy Center Honors in Washington last weekend and was on the Senate floor Monday to attend the swearing in of her former Democratic House colleagues, Adam Schiff of California and Andy Kim of New Jersey. Earlier this week, Senate Republican Leader Mitch McConnell , 82, tripped and fell in the Senate , spraining his wrist and cutting his face. McConnell, who is stepping down from his leadership post at the end of the year, missed Senate votes on Thursday after experiencing some stiffness in his leg from the fall, his office said.As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.Netherton Syndrome Treatment Market Size was the highest in the US among the 7MM was ~USD 16.02 Million in 2022, is expected to increase by 2032

SEOUL, South Korea - South Korean President Yoon Suk Yeol has been banned from leaving the country over a failed attempt at imposing martial law, a justice ministry official said on Monday, amid growing calls for him to step down and a deepening leadership crisis. Yoon has apologised for the botched attempt and said he was leaving his political and legal fate to his ruling People Power Party (PPP) but has not resigned. He has become a subject of criminal investigation, according to local media reports. On Monday, the defense ministry said Yoon was still legally commander in chief, but growing dissent among senior military officers against the president has thrown into question his grip on power. Oh Dong-woon, the head of the Corruption Investigation Office for High-ranking Officials, said he had barred Yoon from foreign travel, when asked at a parliament hearing what actions have been taken against the president. A justice ministry official, Bae Sang-up, told the committee the travel ban order had been executed. The panel was established in 2021 to investigate high-ranking officials including the president and their family members but it does not have authority to prosecute the president. Instead it is by law required to refer the matter to the prosecutors' office. While Yoon survived an impeachment vote in parliament on Saturday, his party's decision to delegate presidential authority to the prime minister has plunged the key U.S. ally into a constitutional crisis. Yoon has refused calls, including some from within his own ruling party, to resign, but his future looked more uncertain over the weekend when Yonhap news agency reported he was under criminal investigation for alleged treason. Prosecutors on Sunday arrested ex-defence minister Kim Yong-hyun over his alleged role in the declaration of martial law on Dec. 3, Yonhap reported. Yoon gave the military sweeping emergency powers on Dec. 3 to root out what he called "anti-state forces" and obstructionist political opponents. He rescinded the order six hours later, after parliament voted against the decree. Amid the backlash, multiple military officials, including the acting defence minister, have said they would not follow any new order to impose martial law again. The main opposition Democratic Party (DP) has called for Yoon to be stripped of his authority over the military. The DP has also demanded the arrest of Yoon and any military officials implicated in the martial law fiasco. The head of a task force established by Yoon's partyto handle his eventual and "orderly" resignation, Lee Yang-soo, said the team would consider all options and timing for the president's early departure "without any limitations". On Sunday, PPP leader Han Dong-hoon said the president would be excluded from foreign and other state affairs, and Prime Minister Han Duck-soo would manage government affairs. That proposal has drawn criticism from the opposition, which says it is unconstitutional. It says Yoon must be impeached or resign and face legal prosecution, and plans to table another impeachment bill on Saturday. Chang Young-soo, professor at the School of Law at Korea University, said the president was able to delegate authority to the prime minister, especially his control of the military, but there is debate on whether the prime minister has authority to act as head of state on diplomatic matters. "Also, unlike a U.S. vice president, a South Korean prime minister is not elected, which means democratic legitimacy is weak. So it will also be an issue how long this system can go on," he said. MILITARY BACKLASH Opposition leader Lee Jae-myung said on Monday the political crisis threatened to cause irreversible harm to Asia's fourth-largest economy, a major global supplier of memory chips. South Korea's finance ministry and regulators said they would make all-out efforts to stabilise financial markets by deploying contingency plans and boosting liquidity by end-December. In the latest sign of dissent within military ranks, the commander of South Korea's special forces said he was ordered to send his troops into parliament last week to stop a vote to reject martial law. Colonel Kim Hyun-tae, the commanding officer of the 707th Special Missions Group, said he took responsibility for his troops' actions but he was acting under orders from then defence minister Kim Yong-hyun. "We were all victims who were used by the former defence minister," he told reporters outside the defence ministry. He said he had not told the military about his plan to speak to the media out of fear he might be stopped. Yoon's decision to declare emergency rule stirred protests on the streets and raised alarm among Seoul's allies. U.S. Defense Secretary Lloyd Austin scrapped plans to travel to South Korea and Secretary of State Antony Blinken called his South Korean counterpart, saying he expected the democratic process to prevail. The United States has 28,500 troops stationed in South Korea, a legacy of the 1950-1953 Korean War. The turmoil in Seoul comes at an important geopolitical moment in the region, with North Korea reportedly sending troops to help Russia's war against Ukraine amid growing military ties between Moscow and Pyongyang. South Korean foreign minister Cho Tae-yul told ministry officials: "We must also be unremitting in our efforts to restore the trust of our partners and once again measure up to the expectations of the international community towards Korea." — ReutersTrump's lawyers rebuff DA's idea for upholding his hush money conviction

Zimbabwe’s GDP Plummets to US$35 Billion Amid Economic Turmoil

David J. Neal | (TNS) Miami Herald Stanley — whose cups have become almost as popular as the National Hockey League’s Stanley Cup — recalled 2.6 million travel mugs because their burn count got too high. As explained in the U.S. Consumer Product Safety Commission recall notice, “These mugs’ lid threads can shrink when exposed to heat and torque, causing the lid to detach during use, posing a burn hazard.” According to what Stanley told the CPSC, the lids on recalled travel mugs have detached 16 times in the United States and 91 times worldwide, causing two burn injuries in the United States and 38 worldwide. Of those 38, 11 “required medical attention.” Related Articles National News | Companies tighten security after a health care CEO’s killing leads to a surge of threats National News | Military service academies see drop in reported sexual assaults after alarming surge National News | Unidentified drones spotted flying at locations across NYC, including LaGuardia Airport National News | Woman who falsely accused Duke lacrosse players of rape in 2006 publicly admits she lied National News | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases This involves the Switchback model, ID No. 20-01437 in the 12-ounce size and Nos. 20-01436 and 20-02211 in the 16-ounce size; and the Trigger Action model, ID Nos. 20-02033, 20-02779 and 20-02825 in the 12-ounce size; Nos. 20-02030, 20-02745 and 20-02957 in the 16-ounce size; and 20-02034 and 20-02746 in the 20-ounce size. Stanley wants customers to contact the company to receive a free replacement lid by either going to the website to enter your product identification number and place of purchase (if you remember) or calling (866) 792-5445, Monday through Friday, 8 a.m. to 5 p.m., Eastern time. ©2024 Miami Herald. Visit at miamiherald.com. Distributed by Tribune Content Agency, LLC.

BIC America Spotlights Acoustech Architectural In-Ceiling Speaker SeriesThe newly launched GameSir X3 Pro Mobile Gaming Controller packs Hall Effect sticks, dual rumble motors, micro switch triggers and detachable grips. And its USB-C connector and telescoping design means it fits a range of iPhone and Android models. A stand-out feature is a cooling plate designed to prevent the handset from overheating while playing very demanding games. This post contains . may earn a commission when you use our links to buy items. The range of AAA games available for recent iPhone models is growing, including multiple titles in . But on-screen controls are far from ideal when playing advanced RPGs and FPSs. A clip-on game controller like this one from GameSir provides a much more familiar gaming experience. Designed to be portable, the X3 Pro nevertheless uses the familiar layout of game controllers. And it includes features many mobile controllers don’t, such as a built-in 6-axis gyroscope plus detachable and replaceable stick caps, D-pad, face button caps and grips. A highlight is the 900mm2 cooling plate, part of a system powered by advanced Peltier technology that delivers a maximum cooling power of 12W. It’s for really graphics-intensive games that can — unfortunately — . And . Heat is bad for the long-term health of your handset’s battery, The accessory fits the iPhone 15 and iPhone 16 series, as well as a range of Androids. Relatively small when being carried around, the telescoping design allows it to fit even the largest iOS handset. Removable grips make it more portable. Grab one today The GameSir X3 Pro Mobile Gaming Controller launched Wednesday. It sells for $79.99/£79.99. , or the As an alternative, check the review of the , which uses a similar design but doesn’t include all the advanced features and costs quite a bit less.

The Simpsons Funday Football: ESPN Creative Studio’s Michael ‘Spike’ Szykowny Pulls Back the Curtain on Creative ProcessVan Nistelrooy was appointed Steve Cooper’s replacement at the King Power Stadium, with the Foxes impressed by his recent five-game interim stint at — in which he beat Leicester twice. The Dutchman’s first game in charge resulted in a 3-1 home win over West Ham United. The Foxes made the perfect start with Jamie Vardy scoring after just two minutes, while Bilal El Khannous and Patson Daka finished the job before Niclas Fullkrug’s late consultation strike. Sharp-eyed supporters have spotted a familiar face in the dugout alongside Van Nistelrooy in the form of Jelle ten Rouwelaar. Van Nistelrooy hasn’t formally named his technical staff yet, but Van Rouwelaar was in the dugout and in active conversation with the manager during Tuesday’s win over West Ham. Van Rouwelaar was brought to Manchester United by Erik ten Hag in July alongside Van Nistelrooy, Rene Hake and Andreas Georgson. Scorer of Tuesday’s second goal Khannous — who also assisted Vardy’s opener — is already signing the praises of Van Nistelrooy, who needed just one training session with his new players to get his message across,” El Khannous said (via ). “The way they wanted to play, we knew that it wouldn’t be easy, but we put in a lot of intensity from the start and we scored in the second minute, so we showed what we are: this is Leicester City.” ‘s triumph on Tuesday — ending a six-game winless streak across all competitions — sees them 16th in the table, four points clear of the relegation zone. Up next for the Foxes is a home tie against high-flying Brighton on Sunday.