Sunday, October 11, 2026
Advertisement
Home Blog Page 6

Health Insurance Premiums Skyrocket

0

The Affordable Care Act of 2010 has failed its name. As most could’ve predicted, anything to do with healthcare ends up being about the “payors,” or the insurance companies and not the patients. It’s maddening and out of control.

Millions of Americans purchase health insurance through the Affordable Care Act Marketplace that has promised coverage for essential care. This number has risen as employer-based insurance plans are becoming less frequently offered by small and medium-sized businesses as employee benefits.

Why are health insurance benefits becoming out of reach for both employers and individuals who have access to the ACA Marketplace?

Participation in ACA increased, especially around the years following COVID and the simultaneous trend to offer no healthcare benefits in jobs or only very high deductible plans. These high deductible plans essentially mean the average patient pays cash for care unless they have a catastrophic surgery or illness that costs $10,000 or more.

According to the Centers for Medicaid Services (CMS), those who enrolled and paid for their ACA plans numbered:

•             10.4 million in 2016

•             11.7 million in 2021

•             22.1 million in 2025

•             19.2 million in 2026

The downward trend in the last year is due to premium increases of about 15%, the same amount premiums are expected to rise for the 2027 enrollment year.

Two years of double-digit premium increases for insurance companies is not affordable care with an increase in price of more than one-third in just 24 months.

Employer-based insurance plans have risen 24,8% for individual coverage and 26.5% for family coverage from 2020 through 2026, according to the Kaiser Family Foundation.

There is no affordable care anywhere! Health insurance companies claim the rising costs of hospital care, physician reimbursement rates, and pharmaceuticals justify the costs.

One of the fastest-growing spending areas in healthcare are the specialty drugs, like the GLP-1 drugs and “biologics” used for chronic diseases and illnesses.

Clearly, these premium increases far outpace wage increases that often just don’t exist in the world of part-time, side-hustle work that cause a person to work more than one job.

One key failure of health insurance premiums, whether ACA Marketplace or employer-based insurance, is paying only to manage treatment of injury, illness, and disease.

Prevention coverage has improved over time, sadly, as a result of mandated policies forcing some routine care coverage.

Chronic obesity, for instance, accounts for up to 70% of chronic disease spending as the underlying cause of disease and illness. Yet, health insurance plans must be battled for coverage and payment when healthcare providers attempt to address the underlying issue.

U.S. healthcare spending reached $5.3 trillion in 2024 which averages $15,474 per person and makes up almost 20% of the American economy.

Healthcare is big business with lots of “intermediaries” between a patient and their treating physicians and healthcare team. These intermediaries are adding a great deal of costs, along with the facts that pricing is still not transparent and competitive with hidden contracts.

Who benefits? Not patients.

Do you read human opinions or bots?

0

Forty percent of Facebook posts are estimated to be generated by bots. The music-streaming service Deezer announced in April that 44% of new music uploaded to its platform is now AI-generated. And an October 2025 report from Axios found that AI generates 52% of all online articles…not this one that was inspired by a headline that reads, “Bots Now Outnumber Humans Online.”

Automated systems generated more than half of global world-wide web traffic in 2025. A second report, Imperva’s 2026 Bad Bot Report, estimates that bots produced more than 53% of all internet traffic during 2025. Of this bot traffic, nearly 40% was tied to malicious or abusive bots that we’re all warned about related to fraud, scams, and theft.

Yes, that leaves only 47% of internet traffic, or obviously less than half, to humans!

A bot is a software program that performs tasks automatically and behaves as if it were a person or human user.

Some bots are helpful. Search engines use bots to scan websites, companies use chatbots for customer service, and apps use bots to send weather alerts or account notifications.

Other bots are harmful. They may send scam texts and emails, steal passwords, and even imitate real people. In 2025 alone, American consumers reported approximately $16 billion in total fraud losses.

How this poses a danger on free speech comes with malicious bots employed by a political candidate or cause, or an entity wanting to frame an event or a belief. Bots can make fringe ideas look mainstream, intensify conflict, and create the illusions based on amplified misinformation.

So, if you think you’re reading an opinion posted by a person holding a social media account or reading an article that reflects the work of a real person, the chances are growing greater that you’re reading computer-generated activities.

This becomes valuable to social media platforms that want to generate “clicks” or traffic that boosts advertising dollars and pricing based on traffic and the amount of time various stories generate activity and interest.

But not all bots pose dangers in performing tasks that assist with online searches, are used to monitor real-time events like weather, and serve to check authentic data’s accuracy and speed the time to produce that content.

The danger is that users increasingly cannot distinguish authentic human interest from manufactured attention.

The frustration comes, too, when making purchases for items in high demand online content, such as sports or concert tickets. You are usually competing with computer bots buying up tickets for scalping or illicit sales organizations.

Take note of accounts that express constant outrage, unusual and controversial opinions and link to other sites with unknown domains.

The practical lesson based on consumer advocates is neither to distrust nor trust everything. Before filling in payment information, passwords, clicking on a link, or sharing, users should pause, examine the source, and ask if the post or message attempts to create fear, anger, excitement, scarcity, or immediate action.

The internet is now automated and engineered. Be wise.

Al Sharpton and Tyler Perry Pledge $100,000 For Information on The Death of Nolan Wells

The reward was announced during Wells’ funeral Monday at Center Pointe Church in Ocean Springs Mississippi.  Sharpton stated that he would personally offer $50,000 for information leading to an arrest and conviction connected to Wells’ death. Moments later, Sharpton said he got a message from movie producer and actor Tyler Perry that he would contribute another $50,000 making the total $100,000.

The matching funds gives hope to the Noland Well’s family as they continue searching for answers.

The reward now places serious money behind the search for information about how the 18-year-old student athlete died after a Fourth of July trip with friends to Mississippi’s Horn Island.

Sharpton told mourners that Perry had texted him and agreed to match the 50,000, immediately doubling the Nolan Wells reward to $100,000.

Sharpton also made an appeal to anyone who was on Horn Island or knows what happened during Wells’ last hours. He said information could be submitted through civil rights attorney Ben Crump’s office or the National Action Network. Wells, an 18-year-old, went out on a boat with three white friends on July 4th before he went missing.  His body was found on July 6.  Lisa Park an attorney in the Atlanta office of Ben Crump, said “it doesn’t take an attorney, it doesn’t a special investigator, it doesn’t take someone with training to know right off, there’s something wrong here.”

City of Chattanooga to Celebrate Opening of First Community Resource Hub at East Lake Community Center

0
Left, the new East Lake Community Resource Hub at the East Lake Community Center will officially open with a ribbon-cutting ceremony on Monday, July 27. Right, Chattanooga City Councilwoman Raquetta Dotley, who represents District 7 and chairs the Community Development Committee, speaks during the recent Community Resource Hub Partnership Breakfast at the East Lake Community Center.

The City of Chattanooga Department of Community Development announces the grand opening of its first Community Resource Hub (CRH), a new initiative that brings essential resources, services, and opportunities directly into neighborhoods. The community is invited to celebrate this milestone during a Ribbon Cutting Ceremony on Monday, July 27, from 2:30-6 p.m. at the East Lake Community Center, 3601 Dodds Ave.

 Following the successful pilot launch in February 2026, during which the City of Chattanooga introduced the mission and vision for its Community Resource Hub (CRH) initiative, the Department of Community Development is pleased to announce the operational launch of the East Lake Community Resource Hub.

 The event will formally introduce residents to the Community Resource Hub model in action, an innovative approach that transforms neighborhood community centers into centralized, one-stop destinations for essential services and support. Through partnerships with local organizations and service providers, residents, and families will have access to educational resources, health and wellness services, workforce development opportunities, family support programs, financial resources, community assistance, and other valuable services designed to strengthen individuals, families, and neighborhoods.

 “The Community Resource Hub represents our commitment to meeting residents where they are,” said Cedric Henson, Administrator of the Department of Community Development. “By bringing together trusted community partners under one roof, we’re creating easier access to the services and support that help individuals, families, and neighborhoods thrive.”

 Following the ribbon cutting, attendees will have the opportunity to tour the new hub, meet the organizations that will provide ongoing services, and learn about the many resources available to the community.

The event will feature resource vendors, community organizations, local service providers, food, music, family-friendly activities, and opportunities to connect with City staff and community leaders.

 The East Lake Community Resource Hub (CRH) is the first of six locations in the community center ecosystem to establish a network of neighborhood-based resources throughout Chattanooga. CRHs are designed to remove barriers to accessing services by creating welcoming spaces where residents can find multiple resources in one convenient location.

 The City of Chattanooga invites residents, neighborhood leaders, nonprofit organizations, community partners, and local stakeholders to join in celebrating this exciting new chapter in community development.

Mayor’s Council on Disability to Celebrate 36th Anniversary of ADA with ‘Access for All’ Event

The Mayor’s Council on Disability is inviting the community to celebrate the 36th anniversary of the Americans with Disabilities Act (ADA) during its free, family-friendly “Access for All” event on Friday, July 24, from 10 a.m. to 1 p.m. at the Walker Pavilion in Coolidge Park, 150 River St.

The celebration will feature food and refreshments, disability resources, accessible activities, interactive displays, information booths, and local vendors highlighting services and programs available to individuals with disabilities throughout the Chattanooga area.

Attendees will also have an opportunity to connect with advocacy organizations while enjoying one of the city’s premier riverfront parks.

Held in advance of the ADA’s official anniversary on July 26, the event will commemorate the landmark civil rights law signed by President George H.W. Bush on July 26, 1990. The Americans with Disabilities Act prohibits discrimination against individuals with disabilities and guarantees equal opportunity in employment, government services, public accommodations, telecommunications, and other areas of public life.

Organizers say the celebration is designed to recognize the progress made over the past 36 years while promoting greater accessibility, inclusion, and awareness throughout the community.

“We’re excited to bring the community together to recognize this important milestone,” the Mayor’s Council on Disability said in a statement. “This event is about celebrating achievements, raising awareness, and reinforcing our commitment to ensuring access for all.”

The public is encouraged to attend the free event and learn more about the resources, services, and organizations working to make Chattanooga a more accessible and inclusive community.

National Vehicle Theft Prevention Month reminds drivers that simple habits can stop auto theft

0

As summer travel reaches its peak, public safety officials are reminding motorists that a few simple precautions can go a long way toward preventing vehicle theft.

July is recognized as National Vehicle Theft Prevention Month, an annual awareness campaign sponsored by the National Highway Traffic Safety Administration (NHTSA) and the National Insurance Crime Bureau (NICB). The campaign encourages drivers to remember three easy steps: Lock it. Hide it. Hold it.

The message is simple. Drivers should lock their vehicles every time they get out, even if they plan to be away for only a few moments. If personal belongings cannot be taken along, they should be placed somewhere out of sight, such as in a locked glove compartment or trunk. Whenever possible, valuables including purses, wallets, laptops and other electronics should be taken with the owner rather than left inside the vehicle.

Safety officials say many vehicle thefts and break-ins are crimes of opportunity that can be prevented by following these basic habits.

Summer is traditionally the busiest season for vehicle thefts because warm weather often leads drivers to leave windows rolled down, doors unlocked or vehicles running while making quick stops. Authorities say leaving keys or key fobs inside a vehicle–or leaving a running vehicle unattended–continues to be one of the leading factors contributing to auto theft.

In addition to locking vehicles, NHTSA and NICB recommend always closing and securing all doors and windows, never leaving keys or key fobs inside a vehicle, avoiding unattended idling, parking in well-lit, highly visible areas and keeping valuables out of sight.

“National Vehicle Theft Prevention Month is a reminder of the impact of vehicle theft on the daily lives of Americans,” said NHTSA Acting Administrator Ann Carlson. “Motor vehicle theft is a crime that costs Americans more than $8 billion per year. Fortunately, drivers can take precautions to reduce the risk of someone stealing their car.”

National Vehicle Theft Prevention Month was formally designated in 2007. The awareness initiative began through a partnership between the National Insurance Crime Bureau and the LoJack Corporation before being adopted and expanded by NHTSA into a nationwide public safety campaign.

Locally, Chattanooga has seen encouraging progress.

According to the Chattanooga Police Department’s 2025 Annual Report, vehicle thefts dropped from 1,214 incidents in 2024 to 783 in 2025–a 36 percent decrease. Thefts from vehicles also declined from 1,927 incidents to 1,544, a 20 percent reduction.

Overall property crime in the city decreased by 16 percent, a trend officials attribute to increased patrols, enhanced technology and targeted crime prevention initiatives.

Despite those improvements, law enforcement cautions that vehicle theft remains a significant concern. Tennessee continues to rank among the nation’s top 10 states for vehicle thefts, and studies by the Tennessee Department of Safety identify Chevrolet pickup trucks and Hyundai models among the vehicles most frequently targeted by thieves.

Police also note that Chattanooga typically experiences seasonal spikes in vehicle break-ins during the summer months.

Officials say the best defense remains consistent prevention. By remembering to lock it, hide it and hold it, drivers can help protect their vehicles, safeguard their belongings and reduce opportunities for criminals to strike.

Remembering former ULGC President/CEO Jerome W. Page

0

It is with deep sadness that we announce the passing of Jerome Whittington Page, the former President and CEO of the Urban League of Greater Chattanooga, who left us on February 8, 2026, at the age of 90. Jerome served as a transformative leader of the organization from 1983 to 1991, leaving an indelible mark on the community and the Urban League’s legacy.

Born on March 6, 1935, in Denver, Colorado, Jerome devoted his life to advocating for civil rights, social justice, and economic opportunity. Under his leadership, the Urban League became a beacon of hope and progress, championing youth development and workforce readiness at a pivotal time in history.

Jerome was a visionary who launched numerous initiatives, including the Equal Opportunity Day Dinner and the Youth Achievement and Motivation Project, which helped prepare young people for futures filled with potential. His unwavering belief in Black excellence and commitment to service paved the way for countless individuals in the Chattanooga community to succeed.

Jerome Page was surrounded by loved ones in his final moments, and he is survived by his devoted wife, JoKatherine Holliman Page; his sons; his grandchildren; and an extended family who cherished him deeply.

A Homegoing Service to honor Jerome’s life will be held on Saturday, July 25th, at 11:00 AM at Holy Redeemer Episcopal Church, located at 2552 North Williams St, Denver, CO 80205.

As we reflect on his life and contributions, we celebrate a legacy of service and dedication to inclusion, justice, and community empowerment. In honor of Jerome Page, let us continue to champion the values he lived by and strive to uplift our community, ensuring that his spirit of service and advocacy lives on.

Rest in peace, former President Page. Your legacy will forever inspire us.

President/CEO Dr. Reginald Smith II

Urban League of Greater Chattanooga

Black Joy, in Spite of…

MEMPHIS, Tenn. — Black Joy, in Spite of… will be on display at the National Civil Rights Museum from June 12 through Aug. 14, 2026, in the State of Tennessee Gallery, and is included with museum admission.

Too often, stories about Black life are framed through struggle, hardship, and harm. While those histories are real and necessary to confront, they are not the whole story. Black Joy, in Spite of… offers a different perspective, centering joy, connection, community, and self-determination alongside a long history of oppression.

Through photographs made across Tennessee, guest curator Brigette Janea Jones brings together images of the enslaved and their descendants across time, from enslavement and Reconstruction through the modern civil rights movement and into the present. What visitors encounter are not only the conditions people endured, but the lives they built within and beyond them. The exhibition captures moments of belonging, pride, tenderness, and resilience that reveal the fullness of Black life and remind us that these stories have never been one-dimensional.

In conversation with these historical images, contemporary works by Tennessee artists, including TC, Joseph Patrick, and a number of emerging voices, carry that story forward. These works respond to the past while remaining firmly rooted in the present, offering their own perspectives on what it means to live, to resist, and to claim joy today.

At the National Civil Rights Museum, this exhibition extends conversations taking place across the campus. Many visitors encounter histories of protest, injustice, and social change in the Lorraine galleries and Legacy Building. Black Joy, in Spite of… invites us to spend time with what exists alongside those histories: the relationships, creative expression, and acts of care that sustain people and communities across generations.

In that way, this exhibition becomes part of a larger story. Not just about what people fought against, but what they fought to protect. Not just about survival, but about the possibility of living fully.

Curator Bridgett Jones was born and raised in Memphis and holds a bachelor of arts degree from Tennessee State University. In 2019, she gained certification through the National Association of Interpretation and the Smithsonian Institute’s National Museum of African American History and Culture to be an official interpreter of the African American experience.

The Tribune continues

On behalf of the entire team at The Tennessee Tribune, I am writing to express our deepest gratitude for your unwavering loyalty and support during this profoundly difficult time following the passing of our founder and my mother, Rosetta Miller-Perry.

Your kind words, sympathy, and continued partnership have been an immense source of comfort to me, my family, and our team.

Mrs. Perry poured her heart into building this company, and a cornerstone of that vision was always sharing positive stories about our community as well as developing and nourishing our relationships with our readers and advertisers.

As we navigate this transition and honor her remarkable legacy, our commitment to you remains our highest priority. We will remain the “Voice of the Voiceless.”

Under Mrs. Perry’s guidance, the Tribune became the most effective African-American weekly in Tennessee and I pledge to you today that under my direction her legacy will continue unabated.

For 35 years, the Tribune has championed the cause of civil rights, entrepreneurship, and leadership in the African-American community and, with your support I will continue to grow that legacy. I pledge to you all today that I will work hard to deliver the same quality product, level of service, and dedication to our community that this paper was founded upon. My mother did not build the Tribune to be a one-act play. We remain fully-operational and I personally promise to continue to serve the needs of our readers in Nashville, across Tennessee and the nation just as Mrs. Perry did.

Thank you once again for standing by us. It is the trust and support of readers and advertisers like you that gives me the strength to move forward with courage and purpose.

Please do not hesitate to reach out if you have any questions or if there is anything we can assist you with.

With our deepest appreciation,

Wanda Miller-Benson, Tribune publisher

TENNESSEE REPUBLICANS EARN STATE A NEW, UNWELCOME NICKNAME

Tennessee dubbed “America’s Worst Place to Live in 2026” by CNBC

NASHVILLE– After sixteen years of complete Republican control, Tennessee has earned the ignominious title of “America’s Worst Place to Live in 2026” from CNBC. Though Tennessee ranked 9th on CNBC’s “America’s Top States for Business 2026,” it ranked last in the quality-of-life category with an F grade and near the bottom on education with a D+.

“I will always be proud to be a Tennessean and live in the greatest state in the Union, but these rankings shed a much-needed light on the failures and misplaced priorities of Tennessee Republicans,” said Representative John Ray Clemmons, chair of the House Democratic Caucus. “Since taking power, they have completely neglected the quality of life of working families and refuse to acknowledge the very real harm their discriminatory policies have caused. Tennesseans are struggling to make ends meet, and these folks are up here living high on the hog while giving away the farm to out-of-state corporations and billionaires. They’re so focused on proclaiming themselves to be ‘pro-business’ that they have forgotten why it’s so important to recruit new business and facilitate economic growth in the first place.

“For decades Tennessee families benefited from continuous economic progress under governors like Lamar Alexander, Ned McWherter, and Phil Bredesen, each growing our state’s economy for the very purpose of lifting up families and improving Tennesseans’ quality of life. Unfortunately for Tennessee families today, our state’s Republican leadership views business recruitment and economic development as the sole objective and quality of life is a distant afterthought. Governing only for the benefit of businesses and corporate interests without a modicum of concern for the people you represent is exactly how you earn the title of ‘America’s Worst Place to Live.’  After sixteen years of complete control of state government, Bill Lee and these Republicans have finally earned something honestly.”

CNBC: To score the states for quality of life, CNBC used hard data on factors like crime rates, air quality and healthcare, as well as the cost and availability of childcare, inclusiveness of state laws, and reproductive rights (These are America’s 10 worst states to live in for 2026) . To rank America’s Top States for Business 2026, CNBC scored all 50 states on 138 metrics in 10 broad categories of competitiveness, identifying the factors companies consider when making site selection decisions, and where states are focusing their economic development efforts to win jobs and business. Each category is weighted based on how frequently states use them as a selling point.