Welcome to Music Monday!

It’s a good thing I’ve banked a few of these. I spent this weekend at a Hawaii People’s Fund retreat at the beautiful Camp Paleua. The Board and Grantmaking Committees met to discuss strategically about the organization’s future. And by the time I got home Sunday afternoon I was exhausted. I had no energy to record a video for today.

As a closet romantic, there are a few songs by Train that appeal to me. “Hopeless” is one of them. I have a handful of songs by them, but admit to not liking them enough to invest in an entire album.

Hopefully you’ll enjoy this one and not think less of me for it.

With one more in the bank, I need to start recording again. I also started class again today, so we’ll see when I manage to get to it.

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Some of my friends and colleagues have been opposing bills which would abolish the Hawaii Health Authority (HHA). The HHA was established back in 2009 “to develop a comprehensive plan to provide universal health care in Hawaii.” Unfortunately, while the Legislature established the HHA, it and three different Governors have neglected to give them any funds for staffing, etc.

I believe those good people opposing Senate Bill 977, among others, are missing the forest for the trees. Abolishing the HHA doesn’t close the door on universal health care in Hawaii, but rather changes how the State might go about creating a plan.

And while they bird-dog the HHA issue, they have, neglected to pay attention to other, more damaging bills. House Bill 407 is just one example, that I became aware of myself just the other day.

The bill, Relating to Insurance,

Authorizes the issuance of employer-sponsored high deductible health. Requires maintenance of health savings accounts in conjunction with high deductible health plans. Requires the employer to fund deductible costs. Specifies that employers and insurers that buy or sell high deductible health plans remain subject to the Prepaid Health Care Act.

This is a bad, a dangerous bill.

Currently, Hawaii has no high deductible health care plans. In fact, I believe the State had previously asked for a specific waiver from the ACA partly to avoid having to create such a plan. But now, the Legislature is considering reversing course.

The bill’s upside would mean insurance premium cost savings for employers who opt for these high deductible plans. It also allows for the creation of Health Savings Accounts (HSAs).

Put another way, the bill shifts health care costs from employers to their employees by requiring high deductibles. So, the hotel industry, for example, while doing gangbusters with high occupancy rates and higher room rates, wants to keep more of that money by cutting benefits to their employees.

Make no mistake, that’s exactly what this bill does. By reducing their premium costs, they are also forcing their employees to pay more out-of-pocket before their insurance kicks in. Sure, workers may save some money with the assistance of HSAs, but in the long run they will be paying more while their employers are increasing their profit margins.

Intended to makes people more discerning about why and how often they see their doctor, high deductible plans actually reduce positive health care outcomes for people. That’s because high insurance deductibles serve as disincentives for people to seek health care.

Only employers benefit from high deductible insurance plans.

Hopefully HB407 will become one of hundreds of bills that won’t make it to the finish line. Until then, I encourage you to take a look at the bill, spread the word, and do what you can to oppose it and others like it.

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As promised, I’m back with another Music Monday lip sync video.

Harvey Danger is an alternative rock band I know from the late 90’s. Maybe you remember them, maybe you don’t. Or maybe you’re too young to know them at all (sad). The song, Flagpole Sitta is their one and only hit.

I’ve always liked this song, with its fun hook and amusing lyrics. Hopefully you’ll enjoy it too. Or at least enjoy watching me lip sync it.

Happy Monday!

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While waiting for the noon hour to be able to complete a class assignment, I thought I’d drop a quick post as I once again try to keep up with regular blog updates.

Not too long ago, I came across a photo sharing site called YouPic. I don’t recall exactly how I found it, but it may have been while I was searching for online photography courses. At the time, I created an account, but left it unattended for months while I debated with myself whether the cost of becoming a “premium” member was worth getting access to the site’s myriad courses.

Well, earlier this week, after receiving from the site a discount code, I pulled out my credit card and made the leap. And so far, I’m reasonably happy with the decision. YouPic’s wide array of courses I think will be useful and the available interaction with other photographers who can rate photos you’ve uploaded based on “composition,” “creativity,” “technical quality,” and “content.” So far, none of the five, or so, pictures I’ve uploaded have been rated, but I’m hopeful they will be eventually.

I’m trying to make the site a place to improve my skills, but also using it (ideally) as a spur to get me to take more pictures.

So, I will hopefully be uploading pictures to YouPic on a fairly regular basis. But unlike my Flickr account, which I basically use as a large repository, my YouPic account will be much more curated. Only selected pictures I particularly like (and are “artsy”) will be shared there.

I’ve already linked it to my Facebook account, so you may have seen some of them already, but if you’re interested check out my page at: https://youpic.com/photographer/regardingfrost/

I believe the public can view the pictures without an account.

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