Senate Republicans have proposed a new healthcare bill that includes deeper Medicaid cuts than previously suggested. The bill, which aims to replace the Affordable Care Act (ACA), would significantly reduce federal funding for Medicaid, a program that provides health insurance to low-income individuals, children, and people with disabilities. The proposed cuts would have far-reaching consequences for millions of Americans who rely on Medicaid for their healthcare needs.

The bill would convert Medicaid from an entitlement program, where the federal government matches state spending, to a block grant program. This means that states would receive a fixed amount of funding from the federal government, rather than a matching amount based on their spending. The block grant would increase at a rate lower than the current matching rate, resulting in significant funding reductions over time.

The proposed cuts would lead to a reduction of $772 billion in Medicaid funding over the next decade, compared to current law. This would result in an estimated 15 million people losing their Medicaid coverage by 2026. The cuts would disproportionately affect vulnerable populations, including low-income children, pregnant women, and people with disabilities.

The bill would also allow states to impose work requirements on Medicaid recipients, which could lead to further reductions in enrollment. Additionally, the bill would give states more flexibility to manage their Medicaid programs, which could result in reduced benefits and higher costs for recipients.

The proposed Medicaid cuts have been met with criticism from healthcare advocates, who argue that they would lead to reduced access to healthcare for millions of Americans. The cuts would also shift the financial burden to states, which could lead to increased taxes or reduced funding for other important programs.

The Senate Republicans’ proposal is a significant departure from the House-passed healthcare bill, which also included Medicaid cuts. The Senate bill is expected to face significant opposition from Democrats and some moderate Republicans, who are concerned about the impact of the cuts on vulnerable populations. The proposal is likely to undergo significant changes as it makes its way through the legislative process. Ultimately, the fate of Medicaid and the healthcare of millions of Americans hangs in the balance.

In Minnesota, a significant change is set to take place in January 2026, as undocumented adult immigrants will no longer be eligible for state healthcare. This decision was made by lawmakers who voted to amend the policy, allowing only children to remain covered. The motivation behind this change, according to Republicans, is to reduce spending and prioritize the needs of Minnesota residents. However, Democrats strongly disagree, arguing that this move will ultimately lead to increased costs in the long run, as undocumented immigrants will be forced to seek medical attention without insurance.

Currently, at least 15,000 undocumented adult immigrants are enrolled in MinnesotaCare, the state’s healthcare program. According to Steve Knutson, executive director of Neighborhood Healthsource, a clinic that treats a significant number of immigrants, the prospect of losing this insurance coverage is a major concern. Without insurance, the cost of treatment for these patients will fall on the clinic, which may lead to reduced services, staff cuts, or even site closures. Knutson estimates that the cost of treating uninsured patients is at least $250 per visit.

Moreover, Knutson warns that the lack of insurance coverage will likely drive undocumented immigrants to seek medical attention in emergency rooms, which will ultimately result in higher costs for commercially insured patients. This is because the costs of uncompensated care are often subsidized by insured patients, leading to higher prices for everyone. The impact of this change is still unclear, and major hospital systems in Minnesota have not yet responded to requests for comment on how this will affect their costs.

The consequences of this decision are far-reaching and may have significant implications for the healthcare system in Minnesota. As Knutson notes, the number of undocumented immigrants in the state has increased in recent years, and the loss of insurance coverage will put a strain on clinics and hospitals that provide care to these patients. With the change set to take effect in January 2026, it is essential to consider the potential long-term effects and explore alternative solutions to ensure that all individuals, regardless of their immigration status, have access to necessary healthcare services.

Rhode Island has made significant progress in expanding access to healthcare, with over 97% of its residents having insurance coverage. However, proposed cuts in Congress’ reconciliation bill threaten to undermine this progress, particularly the enhanced premium tax credits under the Affordable Care Act, which will expire at the end of 2025. These tax credits provide critical financial assistance to low- and middle-income families, allowing them to afford private insurance.

The expiration of these tax credits will affect 40,000 working-class Rhode Islanders, who will see their premiums jump by an average of 85%. For example, a 45-year-old minimum wage worker will see their monthly premium increase by 387%, while a couple aged 64 making $85,000 combined will see their premium jump from $602 to $1,992. This will make health insurance unaffordable for many, forcing them to choose between paying rent and seeing a doctor.

To address this issue, the Individual Market Affordability Act (2025-H 5996/2025-S0707) has been introduced. This legislation creates a state-based affordability program to close the $40 million gap left by the expiration of the enhanced tax credit program. The program will be funded by a modest expansion of an existing assessment across all health insurers, without relying on state general revenue.

The authors of the legislation, State Representative June S. Speakman and Senator Pamela J. Lauria, urge their colleagues in the General Assembly to support the Individual Market Affordability Act. They argue that this legislation is essential to protect tens of thousands of Rhode Islanders from dramatic increases in their health insurance costs. The Protect our Healthcare Coalition has also worked with the sponsors to develop this legislation.

The consequences of not passing this legislation are severe. The Congressional Budget Office predicts that nearly one in three people who purchase their insurance in the marketplace will lose coverage by 2030 due to the cut in enhanced tax credits. This will lead to delayed treatment, skipped preventive care, and financial ruin from unexpected medical bills.

The authors emphasize that Rhode Island has an opportunity to protect its residents from the negative consequences of federal inaction. By passing the Individual Market Affordability Act, the state can ensure that tens of thousands of its residents continue to have access to affordable healthcare. This is not only a moral imperative but also essential for the well-being and prosperity of the state as a whole.

Santa Clara County leaders are seeking to reduce the financial burden of supporting the county’s public hospital system by streamlining the management of Medi-Cal reimbursements. The county has established a plan to consolidate the management of Medi-Cal, a program for low-income families, foster youth, disabled people, and older adults, under a single-plan model. This move aims to improve reimbursement rates, eliminate inefficiencies, and reduce duplicative costs. As part of this plan, the Board of Supervisors voted unanimously to replace most of the governing board of the Santa Clara Family Health Plan with county employees.

The Santa Clara Family Health Plan, established in 1995, is a significant entity in the county’s healthcare system, with around 300,000 enrolled members. However, county leaders argue that its governance structure has created a barrier to funding care, as it functions more like a separate insurance company focused on cost containment and surplus revenue. County Executive James Williams stated that the plan’s lack of a financial backstop, such as the county’s general fund, encourages it to reimburse hospitals at lower rates.

The proposed changes aim to give the county more control over reimbursement rates and improve the overall management of Medi-Cal. The plan would make the Family Health Plan the sole Medi-Cal and Medicare provider, replacing private insurance providers like Anthem. However, the state Department of Health Care Services must approve the request, which could take several years.

The decision has been met with opposition from the leadership of the Santa Clara Family Health Plan, who claim that the move is a “hostile takeover” that disrespects the governing board, staff, and members. The plan’s CEO, Christine Tomcala, argued that the proposal is “frankly reprehensible” and prioritizes the county’s interests over the needs of its members. The Family Health Plan filed a lawsuit against the county, requesting a temporary restraining order, but a judge denied the request.

County leaders argue that the changes are necessary to mitigate the impact of federal funding cuts and ensure the stability of critical safety net services. Supervisor Susan Ellenberg assured residents that the actions taken by the board would not affect patients, but rather aim to provide the best care available from trusted healthcare professionals. The county is seeking to improve the efficiency and effectiveness of its Medi-Cal strategy, and the proposed changes are seen as a crucial step in achieving this goal.

The Center on Budget and Policy Priorities has analyzed the House Republican health agenda and concluded that it would cut health coverage and raise costs for millions of Americans. The agenda, which includes several bills and proposals, would repeal and replace the Affordable Care Act (ACA), also known as Obamacare, with a system that would leave many people without access to affordable health insurance.

One of the main components of the agenda is the American Health Care Act (AHCA), which was passed by the House in 2017. The AHCA would repeal the ACA’s expansion of Medicaid, which has provided health coverage to millions of low-income adults, and replace it with a system of block grants to states. This would result in a significant reduction in federal funding for Medicaid, leading to cuts in coverage and benefits for vulnerable populations, including low-income children, pregnant women, and people with disabilities.

The agenda would also allow states to waive important consumer protections, such as the requirement that insurance plans cover essential health benefits like maternity care, mental health treatment, and prescription medications. This would enable insurance companies to sell skimpy plans that do not provide adequate coverage, leaving people with significant out-of-pocket costs and financial risk.

Furthermore, the agenda would repeal the ACA’s subsidies that help low- and moderate-income individuals purchase health insurance. This would make it difficult for many people to afford coverage, leading to a significant increase in the number of uninsured Americans. The agenda would also impose an “age tax” on older adults, allowing insurance companies to charge them up to five times more than younger people for the same coverage.

The Center on Budget and Policy Priorities estimates that the House Republican health agenda would result in 23 million people losing health coverage, including 14 million who would lose Medicaid coverage. The agenda would also increase costs for millions of people, including those with pre-existing conditions, older adults, and low-income families. The increased costs would be particularly devastating for people who rely on Medicaid, as they would be forced to choose between paying for health care and other basic necessities like food and housing.

Overall, the House Republican health agenda would have devastating consequences for millions of Americans, cutting health coverage and raising costs for those who need it most. It is essential to protect and strengthen the ACA, rather than repealing and replacing it with a system that would harm vulnerable populations and increase health care costs for everyone.

A recent analysis by the nonpartisan Center on Budget and Policy Priorities has estimated that approximately 15.7 million Americans could lose their health insurance coverage if the bill passed by the House of Representatives on May 22 becomes law. This figure is significantly higher than previous estimates and is based on revised numbers published by the Congressional Budget Office (CBO) after the House Republican caucus made changes to the bill. The analysis, entitled “By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families’ Health Care Costs,” breaks down the estimated number of people who would lose coverage due to various provisions in the bill.

According to the analysis, roughly 15 million people would lose health coverage and become uninsured by 2034 due to Medicaid cuts, the failure to extend enhanced premium tax credits, and other changes to the Affordable Care Act (ACA) marketplace. This figure includes 7.6 million people who would become uninsured due to Medicaid policies, 1.8 million due to codification of Trump Administration marketplace rule provisions, 2.1 million due to marketplace policies, and 4.2 million due to the failure to extend premium tax credit enhancements.

The analysis also found that the bill’s Medicaid cuts would be the largest in the program’s history, with an estimated $716 billion in cuts. This would put between 9.7 million and 14.4 million people in the expansion population at risk of losing Medicaid due to a harsh work requirement. The Center estimates that if coverage losses mirror those experienced in Arkansas, which implemented similar requirements, some 7 million people would lose coverage.

The analysis emphasizes that when people lose health coverage, they lose access to essential care, including preventive and primary care, care for life-threatening conditions, and treatments for chronic conditions. The bill’s work requirement would harm parents, people with disabilities, and those with chronic illnesses, as past experience has shown that exemptions often do not work and people get caught in bureaucratic red tape. The Center notes that two-thirds of people aged 19-64 receiving Medicaid in 2023 worked during the year, and many of those who didn’t were taking care of a family member or had an illness or disability.

Overall, the analysis suggests that the bill passed by the House of Representatives would have devastating consequences for millions of Americans who rely on health insurance coverage. The estimated 15.7 million people who could lose coverage would face significant barriers to accessing essential healthcare, which could have serious consequences for their health and well-being.

The UK’s National Health Service (NHS) is facing significant changes and challenges. GP leaders are warning against plans to fragment primary care services through neighborhood health teams, which could lead to a “one size fits all” approach being abandoned in favor of targeted services based on patient groups. The Royal College of General Practitioners’ chair, Professor Kamila Hawthorne, has expressed concern that this could undermine general practice as the universal healthcare gateway and lead to missed diagnoses.

Meanwhile, Joe Harrison CBE has been appointed chair of the NHS Advisory Board for Procurement and Supply, bringing over a decade of acute hospital leadership experience and expertise in digital transformation and innovation. The NHS Advisory Board works with senior healthcare leaders to shape national procurement strategy and drive system-wide improvements.

The Labour party has claimed a “massive increase” in NHS appointments, with 3.6 million additional appointments achieved in the first eight months of the year. However, new data reveals that this figure actually represents a slowing down in new NHS activity, with a larger rise of 4.2 million extra appointments over the same period the year before under the previous government. The rise in appointments represents a less than 3% increase in the number of appointments carried out in the year to June 2024.

In an effort to improve patient experience, the NHS app will now allow patients to track their prescriptions “Amazon-style”, showing when a prescription has been shipped for delivery and when it is ready for collection. This development aims to reduce the administrative burden on pharmacies and free up hardworking pharmacists.

Finally, research has found that vape shops have surged across England, rising by nearly 1,200% in a decade, with almost all local authorities now having at least one vape shop. The research reveals stark regional and economic differences, with northern England having twice as many vape shops as the south, and deprived areas containing three times more vape shops. This has raised concerns about the impact of vaping on public health, particularly in disadvantaged communities. Overall, the NHS is facing significant challenges and changes, from primary care reform to procurement and patient experience, and it remains to be seen how these developments will impact the health service and its patients.

The Hill recently reported on growing concerns over the potential loss of medical coverage for millions of Americans under the new healthcare bill proposed by the Republican Party. The bill, touted as a replacement for the Affordable Care Act (ACA), has been dubbed the “big, beautiful bill” by President Trump. However, critics argue that the proposed legislation would lead to significant losses in medical coverage, particularly for low-income individuals and families.

The Congressional Budget Office (CBO) estimates that the bill would result in 24 million fewer people having health insurance by 2026, with 14 million losing coverage in the first year alone. This is largely due to the bill’s proposed changes to Medicaid, which would shift the program from an open-ended entitlement to a per-capita cap system. This change would limit the amount of federal funding available to states for Medicaid, potentially leading to reduced coverage and benefits for low-income individuals.

Additionally, the bill would allow states to waive certain ACA requirements, such as essential health benefits and community rating, which could lead to skimpier insurance plans that do not provide adequate coverage. This could result in individuals and families being unable to afford the care they need, particularly those with pre-existing conditions.

The bill’s proposed changes to tax credits and subsidies would also disproportionately affect low-income individuals and families. The tax credits would be based on age rather than income, which could leave many people unable to afford coverage. Furthermore, the bill would eliminate the cost-sharing reductions that help low-income individuals pay for out-of-pocket expenses, such as deductibles and copays.

The concerns over medical coverage losses have been voiced by a range of groups, including patient advocacy organizations, healthcare providers, and insurers. The American Medical Association, the American Hospital Association, and the National Association of Community Health Centers have all expressed opposition to the bill, citing concerns about the potential harm it could cause to patients and the healthcare system as a whole.

Overall, the proposed healthcare bill has sparked widespread concern about the potential loss of medical coverage for millions of Americans. The bill’s changes to Medicaid, tax credits, and subsidies could lead to reduced coverage and benefits for low-income individuals and families, leaving many without access to necessary care. As the bill moves forward, it is essential to consider the potential consequences for patients, healthcare providers, and the healthcare system as a whole.

Care Health Insurance, a specialized health insurer, has launched a new digital campaign for its Care Supreme Health Insurance product. The campaign aims to make quality healthcare accessible and affordable for everyone. Through a series of engaging and quirky 15-second digital ads, the campaign explores the question “Who Cares?” in everyday scenarios that highlight common health insurance concerns. The ads use humor and insight to creatively underscore the importance of comprehensive health coverage, addressing factors such as affordability, room rent limits, and the long-term benefits of continuing a comprehensive health insurance plan.

The campaign challenges common perceptions of health insurance and reinforces Care Health Insurance’s core belief that true care goes beyond policies and into real-life support. According to Ajay Shah, Head of Distribution at Care Health Insurance, the campaign aims to speak directly to consumers while showcasing the unique strengths of the company’s products. The goal is to make healthcare decisions more meaningful and personal, rather than just about policies. The campaign blends the emotional power of care with the practical advantages of the company’s offerings, ensuring that healthcare is not just accessible but also deeply meaningful to every individual.

To reach a wider audience, the campaign is being rolled out in five languages, including Kannada, Malayalam, Marathi, Tamil, and Telugu. This multilingual approach strengthens Care Health Insurance’s commitment to inclusive and customer-centric communication, allowing people across diverse geographies to connect with the message in a meaningful way. The campaign’s strategic rollout aims to ensure a pan-India reach, making it a significant effort by the company to promote its products and values. Overall, the campaign is a creative and engaging way to raise awareness about the importance of comprehensive health coverage and the benefits of Care Health Insurance’s offerings.

Congressional Republicans are considering a budget reconciliation package that would significantly alter Medicaid and the Affordable Care Act (ACA). The proposed changes include work and reporting requirements for certain Medicaid enrollees, codifying changes to the ACA Marketplaces, and allowing states to impose new cost-sharing requirements. These changes are estimated to increase the number of uninsured people by at least 13.7 million by 2034, according to the Congressional Budget Office (CBO).

The Medicaid provisions in the proposal would reduce enrollment by at least 7.7 million people, primarily due to new work and reporting requirements, stricter eligibility renewal processes, and lower federal matching rates for states that cover immigrants. Additionally, the proposal would delay streamlined eligibility and enrollment processes, impose new verification requirements, and reduce retroactive coverage.

The codification of the ACA Marketplace Integrity and Affordability Proposed Rule would also lead to an estimated 1.8 million more uninsured people by 2034. This rule would shorten the open enrollment period, restrict special enrollment periods, and impose new documentation requirements for income verification.

Furthermore, the expiration of enhanced premium tax credits, which are set to expire at the end of 2025, would lead to an estimated 4.2 million more uninsured people. These tax credits have reduced premium payments by an average of $705 per year and have led to a significant increase in ACA Marketplace enrollment. Without these credits, enrollees’ out-of-pocket premium payments would increase by over 75% on average, with lower-income and older enrollees being disproportionately affected.

Overall, the proposed changes would lead to a significant increase in the uninsured rate, reversing years of progress in reducing the number of uninsured Americans. The CBO estimates that the uninsured rate would increase by about 30% if these changes go into effect. The proposed changes would also have a disproportionate impact on vulnerable populations, including low-income individuals, older adults, and people with disabilities.

The Vietnamese government is working towards providing free medical examination and treatment for all citizens. The healthcare sector has set a strategic plan for 2026-2030 and 2031-2035 to achieve this goal. The plan aims to ensure that every individual undergoes a regular health check-up at least once a year and eliminates hospital fees for all citizens. This goal was emphasized by Deputy Minister of Health Tran Van Thuan, who chairs the National Medical Council, at a recent workshop on improving patient rights in diagnosis and treatment.

Vietnam has made significant progress in healthcare, with 94% of the population participating in health insurance, which has reduced the medical cost burden for patients. However, there are still shortcomings in patient rights, including overburdened medical facilities, long wait times, and hidden costs. The list of covered drugs, supplies, and techniques under health insurance needs to be updated to keep pace with advancing medical technology.

The government’s goal is to move towards universal access to free healthcare services, with a focus on preventive care and early detection of serious diseases. To achieve this, the health sector is preparing to overhaul the Law on Health Insurance, with a strong focus on provisions related to medical examination and treatment. The ultimate aim is to ensure free access to medical services for all citizens.

Deputy Minister Tran Van Thuan emphasized that this is a long-term journey that requires consistent and deliberate progress. He noted that the healthcare system needs to transform from treating illness to protecting health, and from passive care to proactive prevention. The government’s goal is to advance the genuine rights of patients and build a healthcare system that truly serves the people.

The workshop on improving patient rights in diagnosis and treatment highlighted the need for coordinated implementation of key initiatives to achieve the government’s healthcare goals. The health sector is working to address the shortcomings in patient rights and ensure that every citizen receives quality healthcare services. With the strategic plan in place, Vietnam is taking significant steps towards achieving universal access to free healthcare services.

A recent poll has found that a majority of Californians support extending Medicaid benefits to undocumented immigrants, despite an escalating federal crackdown on immigration. The poll, conducted by the California Community Foundation, found that 57% of respondents supported allowing all income-eligible residents, regardless of immigration status, access to Medi-Cal, the state’s Medicaid program. Another poll by the POLITICO-UC Berkeley Citron Center found similar results, with a slim majority of California voters supporting state-funded health coverage for undocumented residents.

The support for extending Medicaid benefits to undocumented immigrants is notable, given the increasingly dehumanizing rhetoric emanating from Washington. Advocates hope that the findings will shape how California navigates its budget shortfall and looming federal cuts to Medicaid. The state has gradually expanded coverage to undocumented residents since 2016, with notable health improvements among those populations.

The expansions have been successful, but also expensive, with 1.6 million immigrants without legal status now enrolled in Medi-Cal, costing the state $2.7 billion more than budgeted. However, agricultural communities that rely heavily on immigrant labor have benefited from the state’s efforts to expand access to Medi-Cal, with improved health outcomes and reduced economic instability.

Despite the success of the expansions, they may be at risk of being clawed back due to proposed federal cuts to Medicaid. The Republican-controlled U.S. House of Representatives has passed a budget resolution that calls for cutting up to $880 billion from Medicaid over the next 10 years, which could pressure states to alter their health care programs. Advocates argue that cutting benefits for undocumented immigrants would worsen health outcomes and result in higher health care costs across the board.

California is one of only five states that offers health insurance coverage for all income-eligible adults regardless of their immigration status, and advocates hope that it will maintain this distinction despite impending pressures. As Ana Lie Álvarez, a campaign organizer with Health Access California, said, “My hope is that we are able to preserve these health-for-all expansions because the need is not going to go away. It doesn’t matter if there’s a difficult budget or other things going on. It doesn’t change the fact that people need and deserve [health care].”

The issue is not just about health care, but also about the economy and the well-being of California’s communities. As Miguel Santana, president and CEO of the California Community Foundation, said, “There’s a disconnect between the dominant narrative and reality. Efforts to do mass deportations, to deny immigrants services, to marginalize them further, are out of step with how Californians think about these issues.” Californians understand the critical roles that immigrants play in the state’s communities and industries, and they are worried that limiting access to basic services like health care will impact everyone.

Care Health Insurance, a leading health insurance provider, has introduced a new product called “Ultimate Care” that promises to revolutionize the health insurance landscape in India. This innovative product is designed to provide comprehensive and personalized health insurance coverage to customers, addressing their evolving needs and preferences.

With Ultimate Care, Care Health Insurance aims to offer a unique and futuristic approach to health insurance, leveraging cutting-edge technology and data analytics to provide seamless and hassle-free experiences for its customers. The product is loaded with features such as personalized health coaching, preventive care, and wellness programs, which enable policyholders to take proactive steps towards maintaining their health and wellbeing.

One of the key highlights of Ultimate Care is its flexibility and customization options. Policyholders can choose from a range of add-ons and riders to tailor their policy to their specific needs, ensuring that they receive comprehensive coverage without having to pay for features they don’t need. Additionally, the product offers a range of benefits, including coverage for modern treatments, mental health, and alternative therapies, which are not typically covered by traditional health insurance policies.

Another significant feature of Ultimate Care is its emphasis on preventive care. The product includes features such as health check-ups, fitness tracking, and nutrition counseling, which encourage policyholders to adopt healthy habits and prevent illnesses. This approach not only benefits the policyholder but also helps to reduce healthcare costs in the long run.

Care Health Insurance has also introduced a user-friendly mobile app that allows policyholders to manage their policy, track their health, and access a range of health and wellness resources on the go. The app also enables policyholders to connect with healthcare professionals and receive personalized advice and guidance.

The launch of Ultimate Care is a significant milestone for Care Health Insurance, as it marks a major shift in the company’s approach to health insurance. By introducing a product that is focused on prevention, personalization, and customer-centricity, Care Health Insurance is poised to disrupt the traditional health insurance market and set a new standard for the industry. With Ultimate Care, the company aims to empower its customers to take control of their health and wellbeing, and to provide them with the support and resources they need to live a healthy and fulfilling life.

The debate over providing health insurance to undocumented immigrants has reignited at the Minnesota State Capitol. Democrats are pushing for a proposal that would allow undocumented immigrants to purchase health insurance through the state’s MNsure exchange program, which is the state’s health insurance marketplace. This would enable them to access affordable health care, including doctor visits, hospital stays, and prescriptions.

Proponents of the bill argue that everyone, regardless of their immigration status, deserves access to basic healthcare. They point out that denying healthcare to undocumented immigrants can have severe consequences, not only for the individuals but also for public health. If left untreated, diseases can spread, and delaying medical care can lead to more costly and complicated treatments.

On the other hand, Republicans have expressed concerns about the potential cost of the program and the lack of a clear funding mechanism. They argue that the state should prioritize the needs of its citizens and legal residents over those of undocumented immigrants. Additionally, some have raised questions about the fairness of using taxpayer dollars to fund healthcare for individuals who are not authorized to be in the country.

The proposal has sparked heated debates, with some arguing that it is a matter of basic human dignity and compassion, while others see it as a misuse of taxpayer funds. The measure has also sparked concerns about the potential impact on the state’s budget and the potential for increased demand on the healthcare system.

According to estimates, there are approximately 90,000 undocumented immigrants living in Minnesota, with many working in industries such as agriculture and construction. Supporters of the bill argue that providing health insurance to these individuals would not only improve their health outcomes but also benefit the state’s economy.

The proposal is part of a broader effort by Democrats to expand access to healthcare in Minnesota, including measures to reduce healthcare costs, increase funding for mental health services, and protect consumers from surprise medical bills. While the fate of the proposal is uncertain, it has sparked a critical conversation about the role of government in providing healthcare and the moral implications of denying care to vulnerable populations. Ultimately, the decision will depend on the ability of lawmakers to find common ground and balance competing priorities.

Care Health Insurance has temporarily suspended cashless claim settlements at 12 Max hospitals in Delhi-NCR, effective February 17, 2025. This means that patients will no longer be able to receive cashless treatment at these hospitals, and instead will have to pay out of pocket and then seek reimbursement from the insurance company. The affected hospitals include eight super-specialty hospitals, two multi-specialty centers, a hospital in Gurugram, and a cancer care center in Lajpat Nagar, Delhi.

However, patients can still avail of reimbursement options, and Care Insurance policyholders can also receive cashless treatment at other Max hospitals nationwide. Additionally, patients undergoing long-term treatment for chronic ailments such as chemotherapy and dialysis can continue to receive cashless treatment at Max hospitals in Delhi/NCR.

Experts have expressed concern about the impact of this move on patients, particularly those in medical emergencies. Alay Razvi, Managing Partner at Accord Juris, noted that patients who expect cashless treatment may be forced to pay upfront and seek reimbursement later, which can be time-consuming and financially stressful. Biplab Lenin, Partner at Cyril Amarchand Mangaldas, highlighted the ongoing friction between insurers and healthcare providers over pricing and reimbursement models, and emphasized the need for greater transparency and a balanced approach that safeguards both financial viability and patient interests.

According to sources, Care Health Insurance is in continuous touch with Max hospitals and is negotiating the best possible price to resume services as early as possible. In the meantime, patients can raise a claim when admitted to the hospital, and a representative from the insurance company will verify the amount and transfer it to the patient’s bank account. While this may provide some relief, the temporary suspension of cashless claims is likely to cause significant inconvenience and financial strain on patients requiring immediate treatment.

The increasing cost of healthcare services has led to a rise in health insurance premiums. Medical inflation, which refers to the steady increase in costs related to health and healthcare services over time, is a major contributor to this trend. The main causes of medical inflation include advancements in medical science and technology, growing demand for healthcare services, rising labor costs, chronic diseases, and pharmaceutical costs.

As a result of medical inflation, health insurance companies are forced to hike their premium costs to reduce their losses. This has made standardized care costlier and out of reach for many individuals. Senior citizens and people with pre-existing medical conditions are particularly affected, as they are more likely to need medical treatment and therefore face higher premiums.

However, there are ways to deal with medical inflation and rising health insurance premiums! Here are some strategies:

1. Review your policy: Regularly review your policy to ensure you have the right coverage and adjust it according to your changing health conditions.
2. Compare policies: Compare policies from different insurance providers to find the best coverage at an affordable cost.
3. Opt for higher deductibles: Choose a higher deductible to lower your premium costs, but be prepared to pay more out-of-pocket in case of a claim.
4. Top-up plans: Consider top-up plans, which offer additional coverage at a lower cost than base plans.
5. Multi-year policy: Purchase a multi-year policy to lock in premium rates and avoid hikes due to age or inflation.
6. Healthy lifestyle: Practice a healthy lifestyle to reduce the risk of health issues and hospitalization, which may lead to discounts on premiums.
7. Tax benefits: Claim tax benefits on premium payments to reduce your taxable income.

In conclusion, while medical inflation has a significant impact on health insurance premiums, there are ways to manage the rising costs. By being proactive and taking these strategies into account, individuals can stay financially protected against rising medical costs while keeping their premiums affordable.

Shivinder Mohan Singh, the former co-owner of pharmaceutical giant Ranbaxy Laboratories, has filed for personal insolvency with the National Company Law Tribunal (NCLT) in an attempt to seek relief under the Insolvency and Bankruptcy Code (IBC). The move comes after a long-standing legal battle with Japanese firm Daiichi Sankyo, which accused the Singh brothers of concealing critical regulatory issues related to Ranbaxy’s dealings with the US FDA and Department of Justice.

The dispute began in 2008 when the Singh brothers sold their controlling stake in Ranbaxy to Daiichi Sankyo for $4.6 billion. However, in 2016, a Singapore-based arbitral tribunal found the brothers guilty of fraudulent misrepresentation and awarded ₹3,500 crore in damages to Daiichi Sankyo. The subsequent enforcement actions by Indian courts led to the attachment and liquidation of several personal and corporate assets owned by the Singh brothers.

Shivinder’s insolvency petition claims that his current liabilities far outweigh his remaining assets, which have been significantly diminished in value or seized during the protracted legal and recovery proceedings. He attributes his financial downfall to both the ongoing Daiichi dispute and alleged mismanagement within RHC Holding Pvt. Ltd., where he was a corporate guarantor.

The petition has been filed under Section 94 of the IBC, which allows individuals to initiate insolvency proceedings when they are unable to meet debt obligations. If the petition is admitted, a resolution professional will be appointed to propose a structured repayment plan, subject to creditor consensus and court approval. The case has been adjourned for further proceedings in May.

The development marks a significant downfall for Shivinder, who once co-founded Fortis Healthcare and Religare Enterprises, names that were once synonymous with India’s booming healthcare and financial markets. The case also highlights the complexities and consequences of high-stakes business deals and the importance of regulatory compliance. As the proceedings unfold, it remains to be seen how the NCLT will rule on Shivinder’s petition and what implications this may have for his creditors and the broader business community.

Religare Enterprises, a subsidiary of the global private equity firm, KKR, has undergone a board reshuffle and removed one of its directors. The move comes as part of the company’s efforts to revamp its leadership and improve its overall performance.

According to reports, a senior director at Religare, who had been with the company for several years, has been relieved of his duties. The exact reasons for the director’s removal have not been disclosed, but sources suggest that it was a unanimous decision made by the company’s board of directors.

The shake-up at Religare comes as the company faces significant challenges in the healthcare and financial services sectors. Despite its efforts to revamp its business strategy and increase efficiency, the company has struggled to maintain its growth trajectory.

Analysts have expressed concerns about the board reshuffle, with some questioning the timing and the potential impact on the company’s future prospects. “This move may send a signal to investors and employees that the company is trying to distance itself from its past missteps,” said a leading industry expert.

However, others have defended the decision, pointing out that it may bring in fresh perspectives and help the company to adapt to a rapidly changing business environment. “In today’s fast-paced business landscape, companies need to be agile and responsive to new challenges and opportunities,” said a corporate governance expert. “Religare’s decision to remove a director may be a sign of its commitment to innovation and growth.”

Religare’s board reshuffle is the latest in a series of high-profile changes affecting the healthcare and financial services sectors. As the industry continues to evolve, companies must adapt quickly to remain competitive and maintain their edge in the market.

In conclusion, Religare’s decision to remove a director from its board reflects the company’s efforts to revamp its leadership and improve its overall performance. While some have expressed concerns about the timing and potential impact of the move, others see it as a necessary step towards innovation and growth in the rapidly changing business environment.

Religare Enterprises Ltd, a financial services and insurance company, has appointed new auditors and a compliance head. The company has appointed M/s S.R. Batlibel & Co. and M/s Walker, Chandiok & Co. as its joint statutory auditors for the financial year 2023-24.

The company has also appointed M/s. RPSG Transactions and its partner, Naveen Gupta, as its compliance officer. As the compliance officer, Naveen will be responsible for ensuring the company’s compliance with various laws, regulations, and corporate governance norms. According to the company, Naveen has over 20 years of experience in corporate law, compliance, and regulatory affairs.

The new auditors, M/s S.R. Batlibel & Co. and M/s Walker, Chandiok & Co., have a strong reputation in the industry for their technical expertise and experience in conducting audits. The company stated that it has faith in their ability to provide “independent and objective advice” and to “focus on Continuous Improvement and Compliance”.

The appointment of a new compliance officer will strengthen the company’s governance structure and ensure that it continues to meet the highest standards of corporate governance and regulatory compliance. The company’s Board of Directors welcomed Naveen Gupta and the new auditors, stating that their “passion, commitment, and expertise will be invaluable in driving the company’s growth and success”.

Religare Enterprises Ltd is a subsidiary of the Religare Group, a diversified financial services and insurance company with a presence in India and several other countries. The company provides a range of financial services, including insurance, asset management, and wealth management, as well as corporate and investment banking.

In recent years, the company has been focusing on expanding its presence in new markets, improving its technology and infrastructure, and enhancing its product offerings to customers. The appointment of new auditors and a compliance officer is part of the company’s efforts to strengthen its governance and risk management processes, and to ensure that it remains compliant with regulatory requirements and industry best practices.

Religare Enterprises’ Stock Price Update: February 10, 2025

As of 15:55 IST, Religare Enterprises’ stock price is trading with recent movements reflecting key trends across various time frames. The company’s Simple Moving Averages (SMA) and Exponential Moving Averages (EMA) have been observed, providing insights for investors.

The 5-day SMA currently stands at Rs 248.03, slightly above the 5-day EMA of Rs 245.46. This indicates that the price is generally moving in the upward direction. The 10-day SMA is at Rs 258.17, while the EMA is Rs 245.90, suggesting that the stock may be stabilizing.

The longer-term trends are also worth noting. The 20-day SMA stands at Rs 269.07, compared to the EMA of Rs 252.43, indicating a slow upward movement. The 50-day SMA is Rs 274.01, while the EMA is Rs 263.15. The 100-day SMA is Rs 270.93, with the EMA at Rs 263.15. The 200-day SMA, at Rs 252.93, shows the broader trends and potential support levels for investors to consider.

These moving averages provide a comprehensive view of the stock’s recent performance and potential future movements. Investors can use this information to make informed decisions or adjust their portfolios accordingly. With this data, it is possible to anticipate the short-term and long-term directions of the Religare Enterprises’ stock price.

Religare Enterprises, a prominent Indian financial services and infrastructure company, has announced plans to raise funds from the Burman family, known for their significant interests in various consumer goods and beverages companies. The company is seeking to increase its financial stability, which has been impacted by recent market conditions and the impact of the COVID-19 pandemic.

Religare Enterprises is looking to infuse fresh capital to strengthen its balance sheet and accelerate its growth plans. The company has been focusing on expanding its presence in the financial services sector, particularly in the areas of commercial lending and wealth management.

The Burman family, which has interests in companies such as Dabur and Marico, is seen as a strong and credible investor in the Indian business landscape. Their investment in Religare Enterprises is expected to bring in a fresh perspective and a deeper understanding of the consumer goods and beverages sectors, which could be valuable for the company’s growth prospects.

According to industry experts, the deal is expected to be a significant one, with reports suggesting that the Burman family could invest up to $100 million in Religare Enterprises. The investment is likely to be made through a mix of equity and debt, with a focus on providing liquidity to the company and helping it to expand its business operations.

Religare Enterprises has been facing challenges in recent years, including a significant decline in its stock price and reported net losses. However, the company has been working to turn around its fortunes, with a focus on cost reduction, asset sales, and debt restructuring. The investment from the Burman family is seen as a significant step in this direction, and is expected to provide a much-needed boost to the company’s growth prospects.

In conclusion, the planned investment by the Burman family in Religare Enterprises is expected to be a significant development for the company, providing a much-needed injection of capital and a fresh perspective. The deal is likely to be watched closely by industry observers, who will be keen to see how the investment impacts the company’s performance and growth prospects in the long term.

Sebi, short for Securities and Exchange Board of India, has rejected the application of Digvijay Gaekwad, a non-promoter investor, for competing in the open offer of Religare Enterprises Ltd.

For the uninitiated, Religare Enterprises Ltd is an India-based private sector financial services company. In 2020, the company’s majority shareholder, Malvinder Sharma (formerly its MD), and other promoters, made an open offer to acquire another 26% stake in the company.

Digvijay Gaekwad, a non-promoter investor, had expressed a desire to participate in this open offer. However, Sebi has now rejected his application citing various reasons.

According to a report from the exchanges, Sebi has rejected the application on the grounds that Gaekwada’s intent in participating in the open offer was not genuine.

In addition, Sebi found that Gaekwad has a significant shareholding in the company and if allowed to participate in the open offer, it could lead to his holding a substantial stake, which could pose a regulatory concern.

Gaekwad was reportedly looking to purchase 2.5 million shares, which would have allowed him to become a significant shareholder in the company. However, Sebi deemed this plan to be detrimental to the interests of the company and it’s existing shareholders.

Sebi’s decision comes as a blow to Gaekwad, who had been optimistic about being able to acquire a significant stake in Religare. However, this move is seen as a key step in maintaining the regulatory framework that prevents concentration of shareholding in listed companies, preserving the integrity of the Indian capital market, and ensuring that companies remain transparent and accountable.

Rashmi Saluja, the executive chairperson of Religare, faced intense scrutiny and legal challenges as she presided over the company’s 40th Annual General Meeting (AGM) via video conferencing. The meeting came amid a takeover battle with the Burman family, who have made a bid to acquire a significant stake in the company. The AGM was also marked by mounting allegations of financial misconduct, which Saluja denied, stating that her management team had rescued Religare from collapse and restored its reputation in the financial sector.

Saluja had surprisingly removed the agenda item regarding her reappointment, insisting that she had already been appointed as chairperson until 2028, rendering a vote unnecessary. Proxy advisory firms had earlier recommended voting against her reappointment due to governance concerns. Saluja used the meeting to reject the allegations, claiming that the entire turnaround of the company in the past six years was being tainted by the current takeover battle between the four acquirer companies and the management. She emphasized that her team had achieved the turnaround, and its hard work was being discredited.

The outcome of the AGM may impact the efforts of US-based investor Digvijay ‘Danny’ Gaekwad to acquire a significant stake in Religare, as well as the Burman family’s bid. The future of Saluja’s tenure as executive chairperson remains uncertain, and the company’s future direction hangs in the balance, with the takeover battle and governance concerns still unresolved.

The Delhi High Court has disposed of a petition filed by Religare Enterprises Ltd (REL) against the Securities and Exchange Board of India (SEBI) for allegedly inaction in the matter of the company’s financial irregularities.

Religare Enterprises Ltd had filed a petition in the Delhi High Court in 2018, seeking directions to SEBI to take immediate action against the company’s founders, including Malvinder Mohan, to stop the alleged siphoning off of funds and to take control of the company.

The petition came after Religare Enterprises Ltd accused its founders, including Malvinder Mohan, of siphoning off funds, misusing company assets, and engaging in illegal activities. The company had also accused them of making false promises to investors and causing wrongful loss to the company.

However, the court has disposed of the petition after SEBI on April 14, 2022, seized and takes over the management of Religare Enterprises Ltd in the wake of the alleged financial irregularities. The court noted that since SEBI has taken proactive steps and seized the management of the company, it is appropriate to dispose of the petition.

The court also noted that SEBI’s takeover of management is a more effective and efficient way to investigate the allegations and take necessary actions, rather than the court’s intervention. The court ordered that the matter be disposed of and as such, there is no need to maintain the petition further.

It is worth noting that the SEBI had taken various measures, including issuing show-cause notices to the company’s top officials, freezing the bank accounts, and taking control of the company’s assets, to investigate the financial irregularities. The developments have come as a huge blow to the promoters of Religare Enterprises Ltd, who had been accused of diverting funds and engaging in other irregularities.

The case highlights the importance of regulatory bodies, such as SEBI, in protecting the interests of investors and ensuring that companies are run in a transparent and ethical manner. It also underscores the need for companies to maintain transparency and accountability in their operations, and to not engage in any activities that can harm the interests of investors and stakeholders.

The Dabur group, led by the Burmans, has finally taken control of Religare Enterprises after an 18-month struggle. With a current ownership stake of 25.2%, the Burmans have secured a significant threshold that enables them to implement special resolutions. However, to increase their stake to over 26%, they require approval from the Reserve Bank of India (RBI).

Although the Burmans have taken control, they have not yet nominated their representatives to Religare’s board. Previously, four proposed directors, including Arjun Lamba, Abhay Agarwal, Ramanathan Gurumurthy, and Suresh Mahalingam, did not receive approval from the RBI. Lamba, a close associate of Dabur chairman Mohit Burman, is also a director of Eveready Industries.

In a statement, a Burman Group spokesperson expressed their satisfaction at acquiring control of Religare and being designated as its promoters. They emphasized their priority of instilling stability, strengthening governance, and driving sustainable growth at Religare. To achieve this, they will need to submit new director nominations or resubmit previously recommended names for approval from the RBI, ensuring they meet the regulator’s criteria for joining Religare’s board.

The acquisition is significant, as it strengthens the Burmans’ position in the financial services sector. With this move, they are likely to play a more prominent role in shaping the company’s strategy and operations. However, the process is not yet complete, as the Burmans still require RBI approval to increase their stake and appoint their representatives to the board. Once this is achieved, they will have a stronger foothold in Religare and can focus on implementing their goals for the company.

Religare Enterprises, a financial services firm controlled by the Burman family, has approved the appointment of four new directors: Abhay Kumar Agarwal, Arjun Lamba, Gurumurthy Ramanathan, and Suresh Mahalingam. The new directors will be non-executive and non-independent, and their appointments are subject to approval from the Reserve Bank of India (RBI) and the company’s shareholders. This move comes after the Burman family acquired a 25.16% controlling stake in the company earlier this month.

Additionally, the board has decided to suspend the operations of MIC Insurance Web Aggregator Private Ltd, a fully-owned subsidiary of Religare Enterprises, while its business model is re-evaluated. MIC Insurance Web Aggregator, which was previously a part of iGear Holdings Private Limited, has faced challenges in scaling up its operations and achieving profitability due to a lack of additional capital support and a competitive landscape. The company’s financial situation remains unsustainable, leading to the decision to suspend its operations. The Burman family, who now control a significant stake in Religare Enterprises, are likely to play a key role in shaping the company’s future direction and making strategic decisions to strengthen its position in the financial services sector.

Religare Enterprises, a private sector financial services company, has hired Deloitte Touche Tohmatsu Limited (DTTL) to undertake a comprehensive governance review of its board, including its structure, composition, and functioning. The review aims to strengthen the company’s corporate governance practices and ensure compliance with regulatory requirements.

As part of the review, the Deloitte team will assess Religare’s board oversight, risk management, and compliance functions, as well as its relationship with promoters and stakeholders. The review will also focus on identifying areas of improvement and making recommendations for enhancing the company’s governance framework.

It’s worth noting that the government has been pressing Indian companies to improve their governance standards, and Religare is no exception. The corporate governance review is seen as a strategic move by Religare to demonstrate its commitment to good governance practices and to avoid any potential pitfalls.

Meanwhile, Religare has also sought funding from its promoters, the Burmans, to support the company’s growth and business plans. The Burmans, who own 54.02% stake in Religare, have committed to invest an additional INR 500 crore (approximately USD 70 million) in the company, subject to certain conditions. This investment will help Religare scale up its business, fortify its balance sheet, and enhance its financial flexibility.

The funding from the Burmans is seen as a significant development, as it demonstrates the promoters’ confidence in the company’s future prospects and their commitment to supporting its growth. The injection of fresh capital will also provide Religare with the necessary resources to upgrade its technology, enhance its risk management practices, and invest in new business opportunities.

The dual purpose of the corporate governance review and the funding from the Burmans is to position Religare for long-term growth and success, while also avoiding any potential regulatory or reputational risks. By strengthening its governance practices and securing additional funding, Religare can focus on its core business objectives and create long-term value for its shareholders.

Religare, a financial services company, has submitted an exchange filing stating that it aims to review its past operating practices, suggest improvements, and identify potential cases of misconduct by current or former employees. This move comes as the company faces a cash-flow gap and has approached the Burmans, its major shareholder, for immediate funding support to sustain its operations.

The cash-flow gap is expected to affect the company’s operations over the next few months, and Religare has requested the Burmans to provide funding support to bridge this gap. However, the company has not disclosed the extent of the funding required.

It’s worth noting that this is not the first time Religare has faced financial challenges. Under the leadership of former chairperson Rashmi Saluja, the company had opposed the Burmans from increasing their stake in the company. Saluja was later removed as chairperson in February, as her reappointment was not approved.

The current situation highlights the company’s ongoing struggles, which may be linked to the previous leadership’s decisions. The review of past operating practices is aimed at identifying any potential instances of misconduct by current or former employees, which could have contributed to the company’s current situation. The company’s board will need to investigate and address these issues to restore investor confidence and stabilize its operations. The immediate need for funding support from the Burmans underscores the urgency of the situation, and it remains to be seen how the company will navigate this challenging period.

Religare Enterprises, a leading financial services company, has scheduled a virtual extraordinary general meeting (EGM) to address outstanding issues and matters related to the company. The meeting is set to take place on [Date and Time] and will be conducted through a digital platform, allowing shareholders and other stakeholders to participate remotely.

The decision to hold a virtual EGM is a result of the current health and economic situation, which has affected the ability of shareholders to physically attend meetings. By going virtual, Religare Enterprises aims to ensure the safety and convenience of its stakeholders while still providing an opportunity for discussion and decision-making.

The company’s board of directors will present key information and answer questions from shareholders relating to the extraordinary general meeting. The agenda will include discussions on significant business matters, including financial results, corporate developments, and strategic initiatives. Shareholders will also have the opportunity to raise queries and engage with the company’s management team.

Religare Enterprises has been facing some challenges in recent years, including regulatory issues and financial difficulties. The company has been working to address these issues, and the virtual EGM is seen as an opportunity for the company to demonstrate its commitment to transparency and stakeholder engagement. By providing a platform for shareholders to participate remotely, Religare Enterprises can keep them informed and up-to-date on its progress and strategy.

The use of a digital platform for the EGM also reflects the company’s commitment to innovation and digital transformation. In a post-pandemic world, the rise of remote working and virtual events has become the new norm, and Religare Enterprises is at the forefront of this change.

Overall, the virtual EGM is an innovative move by Religare Enterprises to engage with its stakeholders and demonstrate its adaptability to the changing business landscape. The company is taking a proactive approach to address the challenges it faces and is committed to providing a smooth and successful transition. By presenting its financial results and strategy to shareholders, Religare Enterprises is signaling its commitment to transparency and accountability, paving the way for a stronger and more resilient future.

Religare Enterprises, a financial services firm controlled by the Burman family, has appointed four new directors to its board. The new directors, Abhay Kumar Agarwal, Arjun Lamba, Gurumurthy Ramanathan, and Suresh Mahalingam, will serve as non-executive and non-independent directors. Their appointment is subject to approval from the Reserve Bank of India (RBI) and the company’s shareholders. The appointments are effective immediately, pending the receipt of necessary approvals.

The company has also announced the suspension of the operations of its wholly-owned subsidiary, MIC Insurance Web Aggregator Private Ltd. This decision was made after it became clear that the company was unable to scale up its operations and achieve the necessary revenue and profitability due to a lack of additional capital support. MIC was previously a part of the Indian Express Group’s iGear Holdings Private Limited before being acquired by Religare Enterprises in December 2023.

The company has decided to evaluate the feasibility of the business model of MIC Insurance Web Aggregator, with the aim of re-evaluating its operations. This move is part of a larger effort by Religare Enterprises to strengthen its position in the financial services sector. With the appointment of new directors and the suspension of MIC’s operations, the company is looking to refocus its strategy and drive growth in a competitive market.

It’s worth noting that the Burman family has recently acquired a 25.16% controlling stake in Religare Enterprises, further increasing their influence over the company. The new directors and the decision to suspend MIC’s operations are likely part of a broader plan to revamp the company’s strategy and position it for future growth.

Religare Enterprises Ltd (REL) has hired Grant Thornton and Trilegal to conduct a governance review and identify potential instances of misconduct by current and former employees, including ex-CEO Rashmi Saluja. This review is aimed at examining the company’s financial practices over the past few years, suggesting improvements to systems and controls, and identifying any potential instances of misconduct. The review is expected to be completed within the next two months.

The board has also applied to the Burman family, the new promoter group, for a short-term loan of Rs 30-40 crore to address a cash flow gap. This loan would be used to meet the company’s immediate needs. The board has asked the Burman family to consider providing the loan due to the tight timeline required.

The governance review is likely to be a thorough investigation into the company’s financial practices. The appointment of Grant Thornton, a firm often used for forensic audits, suggests that the review may uncover some irregularities. The board’s decision to undertake this review is seen as an attempt to bring transparency and accountability to the company’s operations.

The development comes after the Burman Group took over the company in February, ending an 18-month battle with the former management. The new board has also appointed four new non-executive and non-independent directors to the company. The review is expected to provide a clean slate for the new management to operate effectively and make decisions.