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Is trucking and transportation ready for ObamaCare? The fact is that many
of us do not know much about ObamaCare, but here are a few points that should help us understand the basics:

To help us understand the different health insurance choices, health insurance companies are required to provide us with an easy-to-understand summary on the health plan’s benefits and coverages.

Open enrollment begins on October 1, 2013


If you’re a small business owner, you’ll be able to offer your employees new health plan choices through the Small Business Health Options Program (SHOP).

7 Things You Can Do To Get Ready Now

1. Make sure you understand how insurance works. For example, you’ll want to understand the difference between premiums and out-of-pocket costs, like deductibles and copayments. You’ll want to compare these details to help determine which plans are right for you and your employees. Click for more about how it works.

2. Learn about different types of health insurance. Through the Marketplace, you’ll be able to choose a level of coverage that gives you and your employees the right balance of cost and benefits.

3. Start thinking about when to begin coverage. You’ll need to choose a month to start coverage. Consider what timing would work best for you and your employees.

4. Set your budget. Think about how much money you’re able to spend for group coverage. You’ll also need to consider how much your employees can spend for their coverage.

5. Get organized. You’ll want to have basic information about your business organized and available, like a list of employees you plan to cover and your tax ID number.

6. Make a list of questions you have before it’s time to choose which health plans you’ll offer. Consider what’s most important for your budget and your employees.

7. Look for help. If you already use a health insurance agent or broker, they’ll be able to help you figure out your options. Brokers sell many different insurance products and are usually paid by insurance companies. Agents work for just one insurance company.


Whether you’re uninsured, or just want to explore new options, the Health Insurance Marketplace will give you and your family more choice and selection in health plans.

7 Things You Can Do To Get Ready Now

1. Learn about different types of health insurance. Through the Marketplace, you’ll be able to choose a health plan that gives you the right balance of costs and coverage.

2. Make a list of questions you have before it’s time to choose your health plan. For example, "Can I stay with my current doctor?" or "Will this plan cover my health costs when I’m traveling?"

3. Make sure you understand how insurance works, including deductibles, out-of-pocket maximums, copayments, etc. You’ll want to consider these details while you’re shopping around. Click for more about how it works.

4. Start gathering basic information about your household income. Most people will qualify to get a break on costs, and you’ll need income information to find out how much you’re eligible for.

5. Set your budget. There will be different types of health plans to meet a variety of needs and budgets, and breaking them down by cost can help narrow your choices.

6. Find out from your employer whether they plan to offer health insurance, especially if you work for a small business.

7 Explore current options. You may be able to get help with insurance now, through existing programs or changes that are in effect already from the new health care law. Use our resources to get information about health insurance for adults up to age 26, children in families with limited incomes (CHIP), and Medicare for people who are over 65 or have disabilities.


  1. Freight factoring (sometimes called invoice factoring) and Load Advances are two forms of alternative financing popular with US trucking and transportation companies. Both forms of financing products are offered by factoring companies that specialize in the US freight, trucking and transportation industry.


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  Flexible freight factoring services designed to help trucking and transportation companies with their cash flow. 4 OR MORE TRUCKS (ADVANTAGES) Advances on freight bills up to 95%-98% Non-recourse freight factoring Flexible terms with competitive rates (The objective is to beat our competitors) Funding is customized to your needs You choose which invoices to factor 24/7 free online credit checks Online reporting Invoice generator Invoices are submitted electronically (little or no extra paperwork) Fuel Card Fuel Advances Excellence in customer service 1 TO 3 TRUCKS (ADVANTAGES) We create the invoices and send them to your customers We create the schedule of accounts Instant online credit approvals to keep you moving Non-recourse factoring Customizable programs, competitive fees Industry-leading client service Competitive rates (Our objective is to beat our competition) FUEL PROGRAM Universal acceptance at more than 6,400 truck stops in the U.S. and Canada Fuel discounts in over 1,900
Why freight factoring is so important to a carrier?  Freight factoring is the blood flow of cash flow, a carrier to remain competitive and operate successfully must offer credit to its customers, typically 30 to 90 days, so this is cash that the business will not receive right away, so how can the business operate having to wait that long for their payments, well, freight factoring?  With factoring, the trucking company sells its outstanding invoices to a factoring company right after the invoice is issued, providing the carrier with the necessary cash to continue operating without a cash flow shortfall.

Shortage of Truckers

FoxBusiness reported recently on the shortage of truckers, specifically long-haulers, as per the ATA (American Trucking Association) the trucking industry has a shortage of about 30,000 of qualified drivers, and expected to raise to 200,000 over the next 10 years.   Is DOT Secretary Foxx looking into this, there seems to be a significant opportunity to create new jobs in the transportation sector? According to the June 2014 North American freight Numbers, the Bureau of Transportation Statistics reported that "Trucks carry three-fifths of U.S.-NAFTA freight and are the most heavily utilized mode for moving goods to and from both U.S.-NAFTA partners. Trucks carried 59.5 percent of U.S.-NAFTA freight in June 2014, accounting for $29.8 billion of imports and $31.4 billion of exports." There is a strong focus on infrastructure investments which is necessary but the DOT should not overlook  an opportunity to create jobs.