Employer And Worker Contributions To Account Based Health Plans 2006 2010

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Employer and Worker Contributions to Account-Based Health Plans, 2006-2010

Author : Paul Fronstin
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Employer and Worker Contributions to Account-Based Health Plans, 2006-2010 by : Paul Fronstin

Download or read book Employer and Worker Contributions to Account-Based Health Plans, 2006-2010 written by Paul Fronstin and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents findings from the 2010 EBRI/MGA Consumer Engagement in Health Care Survey, as well as earlier surveys, examining the availability of health reimbursement arrangement (HRA) and health savings account (HSA)-eligible plans (consumer-driven health plans, or CDHPs). It also looks at employer and individual contribution behavior. According to the 2010 EBRI/MGA Consumer Engagement in Health Care Survey, about 5.7 million adults ages 21-64 with private health insurance, or 5 percent of the adult population with private health insurance, were enrolled in an HRA or had a high-deductible plan with an HSA in 2010, up from 4 percent in 2009. An additional 6.3 million adults ages 21-64 with private health insurance, or 4.5 percent, reported that they were eligible for an HSA but did not have such an account. Thus, overall, 12.1 million adults ages 21-64 with private insurance, representing 9.5 percent of that market, were either in a CDHP or a high-deductible plan that was eligible for an HSA, but had not opened an account. Among workers with an employer contribution, those with employee-only coverage saw their annual employer contributions increase between 2006 and 2008, but fall in 2009 and 2010. Between 2006 and 2008, the percentage reporting that their employer contributed $1,000 or more to the account increased from 26 percent to 37 percent. It fell to 32 percent in 2009 and to 28 percent in 2010. The percentage of workers with an employer contribution of $200-$499 increased from 14 percent to 17 percent between 2009 and 2010, although the increase was not statistically significant. Among workers with family coverage, employer contribution levels decreased as well in 2010. The percentage reporting a contribution of $500-$749 increased from 6 percent to 12 percent between 2009 and 2010, while the percentage reporting a contribution of $1,000 or more decreased from 73 percent to 61 percent. However, a majority of workers with family coverage continued to receive a contribution of $1,000 or more. Individuals' contributions to HSA plans have increased. Between 2006 and 2009, the percentage of individuals with employee-only coverage contributing nothing to an HSA decreased from 28 percent to 12 percent. It increased to 15 percent in 2010 but the change was not statistically significant. In contrast, the percentage contributing between $1,000 and $1,499 increased from 12 percent in 2009 to 18 percent in 2010, while the percentage contributing $1,500 or more remained at 37 percent. Among persons with family coverage, the percentage not making any contributions was unchanged at 12 percent in 2010. The percentage contributing less than $500 was 8 percent, while the percentage contributing $1,500 or more was 50 percent. Individuals with family coverage are expected to contribute more than individuals with employee-only coverage because deductibles are higher for family coverage. The PDF for the above title, published in the March 2011 issue of EBRI Notes, also contains the fulltext of another March 2011 EBRI Notes article abstracted on SSRN: “The Impact of Modifying the Exclusion of Employee Contributions for Retirement Savings Plans From Taxable Income: Results from the 2011 Retirement Confidence Survey.”

Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2012

Author : Paul Fronstin
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2012 by : Paul Fronstin

Download or read book Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2012 written by Paul Fronstin and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents findings from the 2008-2012 EBRI/MGA Consumer Engagement in Health Care Survey (CEHCS) and the 2006 and 2007 EBRI/Commonwealth Fund Consumerism in Health Care Surveys. It examines the availability of health reimbursement arrangements (HRAs) and health savings account (HSA)-eligible plans (consumer-driven health plans, or CDHPs), as well as employer and individual contribution behavior. According to the 2012 CEHCS, 11.6 million adults ages 21-64 (or 7 percent of the population) were enrolled in a plan with an HRA or HSA. An additional 7 million reported that they were covered by an HSA-eligible plan but had not opened such an account. Thus, overall, 18.6 million adults ages 21-64 with private insurance, representing 15.4 percent of that market, were either in a CDHP or an HSA-eligible plan but had not opened the account that would be used to fund covered expenses. When their children were counted, 25.2 million individuals with private insurance, representing 14.6 percent of the market, were either in a CDHP or an HSA-eligible plan. Seven out of 10 workers (69 percent) with an HRA or HSA reported that their employers contributed to the account in 2012. The percentage of workers with an HRA or HSA plan whose employers contributed to the account has been steadily increasing since 2009. Workers with employee-only coverage did not increase their own contributions in 2012, but those with family coverage did. The report found a correlation between health engagement and individual contributions to an HSA. Those defined as being engaged in their health reported that they did at least one of the following: checked whether their health plan would cover their care or medication; checked the price of a doctor's visit, medication, or other health care service before receiving care; checked the quality rating of a doctor or hospital before receiving care; talked to their doctor about prescription options, costs, other treatment options and costs; used an online cost tracking tool provided by their health plan to manage health expenses; developed a budget to manage health care expenses; asked for a generic drug instead of a brand name drug; or asked their doctor to recommend a less costly prescription drug. It was found that individuals with some engagement with the health care system contributed higher amounts to their HSA than those with no engagement. In 2012, 48 percent of those with no engagement with the health care system contributed $1,500 or more, whereas 55 percent of those with some engagement with the health care system contributed $1,500 or more. The PDF for the above title, published in the February 2013 issue of EBRI Notes, also contains the fulltext of another February 2013 EBRI Notes article abstracted on SSRN: “Debt of the Elderly and Near Elderly, 1992-2010.”

Employer and Worker Contributions to Health Savings Accounts and Health Reimbursement Arrangements, 2006-2011

Author : Paul Fronstin
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Employer and Worker Contributions to Health Savings Accounts and Health Reimbursement Arrangements, 2006-2011 by : Paul Fronstin

Download or read book Employer and Worker Contributions to Health Savings Accounts and Health Reimbursement Arrangements, 2006-2011 written by Paul Fronstin and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents findings from the 2011 EBRI/MGA Consumer Engagement in Health Care Survey, as well as earlier surveys, examining the availability of health reimbursement arrangement (HRA) and health savings account (HSA)-eligible plans (consumer-driven health plans, or CDHPs). It also looks at employer and individual contribution behavior. According to the 2011 EBRI/MGA Consumer Engagement in Health Care Survey, 8.4 million adults ages 21-64, or 7 percent of the population, was enrolled in a CDHP. An additional 7.3 million reported that they were eligible for an HSA but did not have such an account. Thus, overall, 15.8 million adults ages 21-64 with private insurance, representing 13.1 percent of that market, were either in a CDHP or an HSA-eligible plan but had not opened the account. When their children are counted, about 21 million individuals with private insurance, representing about 12 percent of the market, were either in a CDHP or an HSA-eligible plan. Two-thirds of workers with an HRA or HSA reported that their employer contributed to the account in 2011. Among workers with an employer contribution, those with employee-only coverage saw their annual employer contributions increase between 2006 and 2008, but fall in 2009 and 2011. Between 2006 and 2008, the percentage reporting that their employer contributed $1,000 or more to the account increased from 26 percent to 37 percent. It fell to 32 percent in 2009 and to 24 percent in 2011. The percentage of workers with an employer contribution of $200-$499 increased from 14 percent to 22 percent between 2009 and 2011. Among workers with family coverage, employer contribution levels were unchanged between 2010 and 2011. The percentage reporting a contribution of $1,000 or more was 64 percent in 2011. Individuals' contributions to HSA plans have increased. Between 2006 and 2011, the percentage of individuals with employee-only coverage contributing nothing to an HSA decreased from 28 percent to 11 percent. In contrast, the percentage contributing $1,500 or more increased from 21 percent in 2006 to 44 percent in 2011. Among persons with family coverage, contribution levels were unchanged in 2011, and, in contrast to individual coverage, there are no observed long-term trends toward higher contributions. The percentage not making any contributions was unchanged at 10 percent in 2011. The percentage contributing less than $500 was 9 percent, while the percentage contributing $1,500 or more was 54 percent. A greater percentage of individuals with family coverage than with individual coverage contribute $1,500 or more, which is expected because deductibles are higher for family coverage. The PDF for the above title, published in the February 2012 issue of EBRI Notes, also contains the fulltext of another February 2012 EBRI Notes article abstracted on SSRN: “Labor-force Participation Rates of the Population Age 55 and Older, 2011: After the Economic Downturn.”

Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2013

Author : Paul Fronstin
Publisher :
ISBN 13 :
Total Pages : 24 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2013 by : Paul Fronstin

Download or read book Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2013 written by Paul Fronstin and published by . This book was released on 2014 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents findings from the 2008-2013 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey (CEHCS) as well as the 2006 and 2007 EBRI/Commonwealth Fund Consumerism in Health Care Surveys. It examines the availability of health reimbursement arrangements (HRAs) and health savings account (HSA)-eligible plans (consumer-driven health plans, or CDHPs). It also looks at employer and individual contribution behavior. According to the 2013 CEHCS, 11.8 million adults ages 21-64 (9.7 percent of the U.S. population) were enrolled in a plan with an HRA or HSA. An additional 9.3 million reported that they were in an HSA-eligible plan but had not opened such an account. Thus, overall, 21 million adults ages 21-64 with private insurance, representing 17.3 percent of that market, were either in a CDHP or an HSA-eligible plan but had not opened the account. When their children were included, 26.1 million individuals with private insurance, representing 15 percent of the market, were either in a CDHP or an HSA-eligible plan. Seven out of 10 workers (71 percent) with an HRA or HSA reported that their employers contributed to the account in 2013. Workers with employee-only coverage dropped their contributions, but those with family coverage kept their contribution levels steady. The report found a correlation between health engagement and individual contributions to an HSA. Those defined as being engaged in their health reported that they did at least one of the following: checked whether their health plan would cover their care or medication; checked the price of a doctor's visit, medication, or other health care service before receiving care; checked the quality rating of a doctor or hospital before receiving care; talked to their doctor about prescription options, costs, other treatment options and costs; used an online cost tracking tool provided by their health plan to manage health expenses; developed a budget to manage health care expenses; asked for a generic drug instead of a brand name drug; or asked their doctor to recommend a less costly prescription drug. It was found that individuals with some engagement with the health care system contributed higher amounts to their HSA than those with no engagement. The PDF for the above title, published in the February 2014 issue of EBRI Notes, also contains the fulltext of another February 2014 EBRI Notes article abstracted on SSRN: “IRA Withdrawals, 2011.”

(Circular E), Employer's Tax Guide - Publication 15 (For Use in 2021)

Author : Internal Revenue Service
Publisher :
ISBN 13 : 9781678085223
Total Pages : 52 pages
Book Rating : 4.0/5 (852 download)

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Book Synopsis (Circular E), Employer's Tax Guide - Publication 15 (For Use in 2021) by : Internal Revenue Service

Download or read book (Circular E), Employer's Tax Guide - Publication 15 (For Use in 2021) written by Internal Revenue Service and published by . This book was released on 2021-03-04 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employer's Tax Guide (Circular E) - The Families First Coronavirus Response Act (FFCRA), enacted on March 18, 2020, and amended by the COVID-related Tax Relief Act of 2020, provides certain employers with tax credits that reimburse them for the cost of providing paid sick and family leave wages to their employees for leave related to COVID‐19. Qualified sick and family leave wages and the related credits for qualified sick and family leave wages are only reported on employment tax returns with respect to wages paid for leave taken in quarters beginning after March 31, 2020, and before April 1, 2021, unless extended by future legislation. If you paid qualified sick and family leave wages in 2021 for 2020 leave, you will claim the credit on your 2021 employment tax return. Under the FFCRA, certain employers with fewer than 500 employees provide paid sick and fam-ily leave to employees unable to work or telework. The FFCRA required such employers to provide leave to such employees after March 31, 2020, and before January 1, 2021. Publication 15 (For use in 2021)

Health-Care Utilization as a Proxy in Disability Determination

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Medical and Dental Expenses

Author :
Publisher :
ISBN 13 :
Total Pages : 20 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis Medical and Dental Expenses by :

Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Communities in Action

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309452961
Total Pages : 583 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Communities in Action by : National Academies of Sciences, Engineering, and Medicine

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

BNA's Employee Relations Weekly

Author :
Publisher :
ISBN 13 :
Total Pages : 682 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis BNA's Employee Relations Weekly by :

Download or read book BNA's Employee Relations Weekly written by and published by . This book was released on 2011 with total page 682 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Health Coverage Portability

Author :
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Health Coverage Portability by :

Download or read book Health Coverage Portability written by and published by . This book was released on 2004 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Social Health Insurance for Developing Nations

Author : R. Paul Shaw
Publisher : World Bank Publications
ISBN 13 : 0821369504
Total Pages : 188 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Social Health Insurance for Developing Nations by : R. Paul Shaw

Download or read book Social Health Insurance for Developing Nations written by R. Paul Shaw and published by World Bank Publications. This book was released on 2007-01-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: Specialist groups have often advised health ministers and other decision makers in developing countries on the use of social health insurance (SHI) as a way of mobilizing revenue for health, reforming health sector performance, and providing universal coverage. This book reviews the specific design and implementation challenges facing SHI in low- and middle-income countries and presents case studies on Ghana, Kenya, Philippines, Colombia, and Thailand.

Tele-tax

Author : United States. Internal Revenue Service
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis Tele-tax by : United States. Internal Revenue Service

Download or read book Tele-tax written by United States. Internal Revenue Service and published by . This book was released on 1988 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Triumph of Injustice: How the Rich Dodge Taxes and How to Make Them Pay

Author : Emmanuel Saez
Publisher : W. W. Norton & Company
ISBN 13 : 1324002735
Total Pages : 232 pages
Book Rating : 4.3/5 (24 download)

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Book Synopsis The Triumph of Injustice: How the Rich Dodge Taxes and How to Make Them Pay by : Emmanuel Saez

Download or read book The Triumph of Injustice: How the Rich Dodge Taxes and How to Make Them Pay written by Emmanuel Saez and published by W. W. Norton & Company. This book was released on 2019-10-15 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: America’s runaway inequality has an engine: our unjust tax system. Even as they became fabulously wealthy, the ultra-rich have had their taxes collapse to levels last seen in the 1920s. Meanwhile, working-class Americans have been asked to pay more. The Triumph of Injustice presents a forensic investigation into this dramatic transformation, written by two economists who revolutionized the study of inequality. Eschewing anecdotes and case studies, Emmanuel Saez and Gabriel Zucman offer a comprehensive view of America’s tax system, based on new statistics covering all taxes paid at all levels of government. Their conclusion? For the first time in more than a century, billionaires now pay lower tax rates than their secretaries. Blending history and cutting-edge economic analysis, and writing in lively and jargon-free prose, Saez and Zucman dissect the deliberate choices (and sins of indecision) that have brought us to today: the gradual exemption of capital owners; the surge of a new tax avoidance industry, and the spiral of tax competition among nations. With clarity and concision, they explain how America turned away from the most progressive tax system in history to embrace policies that only serve to compound the wealth of a few. But The Triumph of Injustice is much more than a laser-sharp analysis of one of the great political and intellectual failures of our time. Saez and Zucman propose a visionary, democratic, and practical reinvention of taxes, outlining reforms that can allow tax justice to triumph in today’s globalized world and democracy to prevail over concentrated wealth. A pioneering companion website allows anyone to evaluate proposals made by the authors, and to develop their own alternative tax reform at taxjusticenow.org.

Workplace Wellness Programs Study

Author : Soeren Mattke
Publisher : Rand Corporation
ISBN 13 : 9780833080738
Total Pages : 0 pages
Book Rating : 4.0/5 (87 download)

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Book Synopsis Workplace Wellness Programs Study by : Soeren Mattke

Download or read book Workplace Wellness Programs Study written by Soeren Mattke and published by Rand Corporation. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The report investigates the characteristics of workplace wellness programs, their prevalence and impact on employee health and medical cost, facilitators of their success, and the role of incentives in such programs. The authors employ four data collection and analysis streams: a literature review, a survey of employers, a longitudinal analysis of medical claims and wellness program data from a sample of employers, and five employer case studies.

Impact of Gaps in Health Coverage on Income Security

Author : United States. Congress. House. Committee on Ways and Means. Subcommittee on Income Security and Family Support
Publisher :
ISBN 13 :
Total Pages : 248 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Impact of Gaps in Health Coverage on Income Security by : United States. Congress. House. Committee on Ways and Means. Subcommittee on Income Security and Family Support

Download or read book Impact of Gaps in Health Coverage on Income Security written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Income Security and Family Support and published by . This book was released on 2008 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Barriers to Lower Health Care Costs for Workers and Employers

Author : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Health, Employment, Labor, and Pensions
Publisher :
ISBN 13 :
Total Pages : 62 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Barriers to Lower Health Care Costs for Workers and Employers by : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Health, Employment, Labor, and Pensions

Download or read book Barriers to Lower Health Care Costs for Workers and Employers written by United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Health, Employment, Labor, and Pensions and published by . This book was released on 2012 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Employee Benefits and Executive Compensation

Author : Samuel Estreicher
Publisher : Kluwer Law International B.V.
ISBN 13 : 904113266X
Total Pages : 762 pages
Book Rating : 4.0/5 (411 download)

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Book Synopsis Employee Benefits and Executive Compensation by : Samuel Estreicher

Download or read book Employee Benefits and Executive Compensation written by Samuel Estreicher and published by Kluwer Law International B.V.. This book was released on 2010-01-01 with total page 762 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employee benefits and executive compensation, long a matter of considerable interest to employees and employers, have become subjects of increasingly intense public scrutiny and debate in the past few years. Indeed, you cannot pick up a newspaper, listen to a news broadcast, or consult the Internet without encountering a report on these subjects. These issues played heavily during the 2008 presidential campaign.