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Hundreds of people marched yesterday to call for the immediate release of mainland political prisoners, saying that for them National Day is a day of shame.文件倉Protesters marched silently from Causeway Bay to government headquarters in Admiralty, each wearing a white card around their neck with a political prisoner’s name written on it.Lee Cheuk-yan, one of the organisers of the protest, said more than 141 people had been arrested for exercising their rights in China since March this year, far more than in past years.“We have no national pride on National Day, only shame,” Lee said. “China should move onto the road of political reform and start to respect human rights.”He said human rights conditions in China were worsening and called for UN member states to reject China as a member of the Human Rights Council.Among the marchers was Jens Galschiot, the Danish sculptor who created the University of Hong Kong’s Pillar of Shame to commemorate the 1989 Tiananmen Square crackdown.“[To show] real love for a country is [to] want her to become a存倉better place,” he saidThe march also attracted the attention of mainland tourists who lined the footpaths with their cameras up, capturing a scene rarely seen across the border.Tourists Zosy Zuo and Luo Jie, who arrived from Shenzhen yesterday, said they had never seen anything like the protest.“The protest is so powerful,” said Zuo, who had never heard of any of the imprisoned dissidents before.Mr Wu, also a mainlander, had travelled to Hong Kong to join the protest.“I am coming to support Xu Zhiyong [one of the imprisoned dissidents], but I am disappointed that so few people showed up today,” said Wu.He hoped Hong Kong people and mainlanders would start to care more about the human rights situation in China.Separately, about 30 members from the League of Social Democrats and the Defence of Hong Kong Freedom were removed by police at 6.30pm from a lane off Queen’s Road East, where they had been sitting in a stand-off with police for three hours.They had been marching to the central government’s liaison office in Western with a coffin.儲存

上周五，存倉包括香港在內的全球十一個國家及地區開售兩款新iPhone，其中以五色膠殼為賣點的iPhone 5c，甫開售即打破歷年來蘋果手機「逢炒穩賺」的神話。 本刊記者在早上八時，在中環ifc蘋果專賣店直擊開售過程，原價四千六百八十八元的16GB版本，店外的即場回收價初時仍企穩於四千七百元，但一小時後已跌到四千五百元，兩小時後極速停收，「炒�」收場。 先達手機店「i世代電訊」銷售經理姚進解釋，iPhone 5c零售價沒想像中便宜，令需求大幅減少，加上首批5c供貨量充足，炒�是意料中事，「現在走入任何商店都儲存以即刻出到5c，所以完全炒不起。」 另一邊廂，iPhone 5s卻能延續炒賣神話，金色版本更是全城熱搶，原價五千五百五十八元的16GB版本，收購價高達一萬一千元，64GB更是有錢也買不到。「不止內地客，就連港人也來搶金色64GB版本，出價高達一萬五千元，也沒有人肯放售。」Angel Mobile負責人楊兆勤透露，蘋果並沒有公布新手機的出貨量，但估計iPhone 5s白、灰、金三款顏色中，金色的貨量最少，「蘋果官網已停止訂購金色iPhone 5s，加上出貨量少，所以金色版本才能炒上。」 撰文：李志榮 攝影：黃德堅self storage

iPhone 向是內地豪客送禮自用恩物，mini storage雖然最新的iPhone 5s 中港兩地同時開賣，但因�價折扣及內地供貨亦不足，國慶假期仍然吸引不少內地旅客到港掃iPhone，有先達手機店表示， 「十一」黃金周期間生意會升兩、三成。十一黃金周首日，記者到先達廣場視察，一入商場已見不少內地旅客選購手機， 當中不少是查詢iPhone 5s。G World Mobile 負責人劉志剛表示，黃金周首日多了內地自由行旅客購買手機，生意增長兩、三成，當中最儲存人購買iPhone 5s。他解釋，灰色16GB iPhone 5s在國內被炒至逾7000 元人民幣一部，但來港買只售6700 港元，相差逾千港元，故對內地人有一定吸引力。昨天有內地旅客一次買了3、4 部送禮兼自用；亦有內地炒家一次入貨約二十部。他相信，內地對新iPhone仍有強大需求， 國慶長假期間iPhone 5s 售價及收機價都能夠企穩。除了iPhone， 劉指出， Samsung新推出的Note3 手機亦是內地旅客黃金周的掃貨對象。儲存倉

URL:.chinanews.com.cn/gn/2013/10-01/5342407.shtml　　■公安部發佈10條假日消防安全提示　　■海關“12360”熱線24小時人工咨詢通關事宜　　■中消協提示遊客查看“三證一險”，迷利倉選擇正規旅行社　　■中央氣象台預報1日午後華北霧霾逐漸消散　　本報北京9月30日電 國慶長假來臨，應該注意哪些方面？本報記者從公安部等部門瞭解權威信息，提醒大家注意安全，度過一個快樂而有意義的假期。　　公安部消防局30日發佈10條國慶假日消防安全提示，提醒公�注意消防安全：各單位和居民樓院要加強消防安全檢查巡查值班，及時發現和消除火災隱患。各行業、系統主管部門要加強值班巡查，及時消除火災隱患。公共場所不得違章違規用火、用電、燃放煙花爆竹。家庭要注意安全用火、用電、用氣。人離開要熄滅火源，出門要關掉電源、氣源。乘坐交通工具不要攜帶易燃易爆危險品，不要吸煙；要留意滅火器、安全錘和安全出口位置。駕車旅遊出行前，請對車輛油路、電路等進行檢查。切勿在消防車道上停放車輛和設置阻礙火災撲救的障礙物。遇有火情以及其它自然災害，請及時撥打119報警。發現違規用火、用電、用油、用氣，佔用、堵塞或封閉安全出口、疏散通道和消防車通道等火災隱患，請及時撥打火災隱患舉報投訴電話96119舉報。電動自行車不得在樓梯間、疏散通道停放和充電。在旅遊景點遊玩時，請不要在野外遺留火種，等等。　　長自存倉期間，海關“12360”熱線提供24小時人工接聽服務，建議您在準備出行時，注意事先瞭解海關進出境相關規定。　　《中華人民共和國旅遊法》也將於今年10月1日正式實施，中國消費者協會特發佈旅遊消費提示：查看“三證一險”，選擇正規旅行社。消費者在選擇旅行社時要注意查看旅行社經營許可證、營業執照、稅務登記證和旅行社責任保險，還要注意該旅行社是否有相應的發票等一系列規範管理。對於報價過低的旅行社要謹慎選擇，預防低價消費陷阱。對於易引發糾紛事項，要提前在合同中明確約定。如旅行社或導遊、領隊違反有關規定，指定具體購物場所、安排另行付費旅遊項目、收取回扣的，旅遊者有權在旅遊行程結束後30日內，要求旅行社為其辦理退貨並先行墊付退貨貨款、或者退還另行付費項目的費用。最好購買旅遊意外保險，防止出游意外。購買保險時結合自身實際合理選擇，應注意索要發票和保單。　　中央氣象台30日18時繼續發佈霾黃色預警：預計，今天夜間到明天上午，華北中南部空氣汙染氣象條件達Ⅳ級，部分地區達Ⅴ級，很不利於空氣中汙染物擴散。河北大部、北京中西部、山西東部和南部、陝西關中地區、河南北部、山東西北部等地有中度霾，河北中南部局部地區有重度霾。　　據中央氣象台預報，未來三天將有冷空氣影響我國北方地區，華北地區將有4—8℃降溫，並伴有4—6級偏北風。受南下冷空氣影響，明天中午以後華北霧霾將逐漸消散。　　（綜合本報記者張洋、杜海濤、劉毅報道）mini storage

【特訊】昨日是“十一”黃金週的第一天，存倉也是內地新《旅遊法》正式實施的首日。新法下，嚴厲打擊強迫購物、欺客宰客、零負團費等旅遊行業不規範現象。因應新法的實施，國慶來澳團客較過往有大幅減少，有導遊認為至少減少了三成的內地團客量，亦有導遊指出，酒店、餐飲等旅遊行業鏈均有受到新法的影響，但相信經過適應過程後，未來內地旅遊團數量會逐步回升。記者昨日下午在金蓮花廣場發現，廣場上的遊客稀疏，停泊在廣場兩側的旅遊巴數量亦較過往減少，與新法實施前情況大相徑庭。導遊林先生稱，國慶日內地團客數量較少已顯而易見，與過往相比，團客減少了至少三成，導致業內開儲存率不足。他又稱，因應新《旅遊法》首日實施，尚未清楚未來發展的情況，亦無法預料影響。但他認為旅遊規範值得肯定，有利於行業的正規化及長遠發展，雖然過程中會有“陣痛”，但這是新法推出後必然要有的適應過程。導遊洪先生指出，因應新法實施後內地隨團遊客大幅減少，不僅對旅行社生意有衝擊，亦令整個旅遊產業鏈受到影響，包括酒店、餐飲、機票訂購等行業。他又指出，業內有部份旅行社為免受新法的影響，調整了行程，於“十一”之前帶團來澳，這也是國慶日遊客減少的原因之一。問及對新法的看法，他表示，新《旅遊法》實施後需要時間適應，相信未來內地旅遊團數量會逐步回升。self storage

貓屎咖啡（Kopi Luwak）又稱為麝香貓咖啡，存倉被喻為是全球最昂貴的咖啡飲品之一。據悉一公斤的貓屎咖啡，售價差不多約為400美元。貓屎咖啡是由印尼一種麝香貓，又稱椰子貓（Luwak）的糞便中排出來的未消化咖啡豆，再經加工後而製成的。麝香貓吃下成熟的咖啡豆果實後，經過消化系統排出體外，由於經過胃�的發酵降低了咖啡的苦澀味。麝香貓所排出來的咖啡豆，經過清洗和烘焙之後，被形容為「質地平滑，品嘗起來像朱古力一樣，並且沒帶任何苦澀味道」，如此獨特的味道，便自然地成為獨一無二超級品牌的貓屎咖啡。不人道家居養殖隨�美國、歐洲和東南亞的咖啡商，相繼地發現了這種獨特的咖啡後，令國際市場對麝香貓咖啡的需求量與日俱增，於是菲律賓和印尼這兩個擁有最多麝香貓的國家，便瘋狂地掀起了一股收集和加工麝香貓咖啡的「淘金熱」潮。野生的麝香貓不單愛吃咖啡豆果實，而且也非常挑食，只挑好的咖啡豆果實來吃，所以當地居民只要跟隨麝香貓的足印，撿拾從牠糞便中排出來的咖啡豆，就能夠喝到品質絕佳的貓屎咖啡。開放式野生養飼可惜的是有些農民為了賺取更多的利潤，不單捕捉野生麝香貓，甚至將牠們困在狹小而又骯髒的籠子�，然後迫牠們進食劣質的咖啡豆果實和飼料，讓牠們不斷的排便，進行家居式的生產，令儲存者有足夠的貓屎咖啡供應給世界各地的饞嘴者。這種養殖工作，後導致這些麝香貓因長期被困，健康欠佳而致死亡率增高。此外，麝香貓的皮毛又可以製成皮草；還有牠們在圍肛腺周圍殘留的排洩物，更是製造香水穩定劑的重要來源。人們只是為了要取得這些物質，就要粗暴地擠刮牠的圍肛腺，這樣殘忍的方法，會令到麝香貓非常痛楚，更曾因此而令牠們大量地被殺。直至2003年沙士疫症爆發，麝香貓被指為病毒傳播媒介體。自此麝香貓便被列入為瀕危動物類別欄目之內。除了受到人為的虐畜對待之外，環境污染和開闢土地都令麝香貓面臨失去其賴以生存的棲息地。雖然直到目前為止，麝香貓的數量還未達至滅種邊緣，但因上述的種種因素，麝香貓的保育工作實在是值得密切關注。所以不少動物保育團體都希望大家能夠拒絕飲麝香貓咖啡，以避免那些不法分子為得到麝香貓咖啡豆，而對麝香貓作出的不人道對待。另一方面也要顧及咖啡農的生計，所以也有保育人士建議讓麝香貓在完全開放式的土地上飼養，然後種植足量牠們愛吃的咖啡豆果實，這樣麝香貓才不會跑去找肉類來吃，咖啡豆的發酵才會正常。若然沒有辦法找到大片土地，也建議以房子形式的宿舍來飼養牠們，給牠們吃好的咖啡豆果實，讓牠們有足夠的運動量。那麼咖啡豆在牠們胃內的發酵效果也會變得更好。芝芝self storage

URL:.chinanews.com.cn/life/2013/10-01/5342659.shtml　　10月1日開始正式實施的《旅遊法》規定，儲存旅遊者要遵守旅遊文明行為規範。但記者注意到，《旅遊法》雖對不文明旅遊提出了硬性規定，卻沒有明確相應的處罰措施。　　近年來，關於中國式不文明旅遊的消息卻頻見報端，隨地吐痰、大聲喧嘩、到處刻字等不文明旅遊行為使中國遊客給世界留下了不良印象，並間接影響了國家形象。埃及盧克索神廟牆壁被中國遊客刻上“到此一游”字樣，在馬爾代夫，中國遊客從海里撈出珊瑚，江蘇虎丘山在國慶長假期間遭遇“垃圾劫”，深圳冬眠的self storage魚被市民投擲的石塊砸死……　　早在2006年，中央文明辦聯合國家旅遊局針對國人七大不文明行為發佈《中國公民國內旅遊文明行為公約》，要求提倡文明旅遊，卻收效甚微。　　在這種大背景下，《旅遊法》頒佈實施，正式將遊客應當文明旅遊作為法律條文提出，彌補了治理不文明旅遊在立法上的一大空白，是規範遊客行為的一大進步。但同時，由於沒有涉及具體懲罰措施條款，《旅遊法》一定程度上缺少威懾力。　　另一方面，《旅遊法》沒有提到應該由何單位、以何種形式監管遊客的不文明行為。在實際處罰過程中，也需借助公安機關及《治安管理處罰條例》來綜合執行。（記者姜雪蘭、董璐）迷利倉

電子產業進入十一長假、歐美年底採購旺季與農曆年節拉貨高峰期，迷你倉相關消費性電子產品如智慧型手機、4K2K TV、遊戲機等需求看俏，買盤進駐IC設計族群。在昨日大盤下跌57點之際，凌耀（3582）收盤上漲2.07％，F-昂寶（4947）上漲1.91％，晶豪科（3006）上漲0.05元，國泰證金商部說，凌耀、F-昂寶及晶豪科其熱門認購權證可布局。類比IC凌耀日前在市場認為第4季拉貨動能不明顯，下半年營收恐衰退下，股價提前大幅拉回修正，最低點回到117元，近5日股價有止穩跡象，昨上漲2.5元。凌耀過去供應三星高階機種產品為主，但今年來三星智慧型手機銷售就不如預期，連帶壓抑凌耀營收表現，9月在十一長假帶動，營收可望略微回升，但整體Q3營收仍較Q2明顯衰退。雖股價已充份反應消息，但在無利多帶動，建議可買入權證方式測試反彈；相關權證可文件倉意國泰Z9（708777）或國泰Z6（708758）。F-昂寶受惠LED照明及智慧行動裝置等電源管理IC營收續成長帶動下，8月營收2.74億元，月增3.4％，且自今年3月來已連6月刷新歷史新高紀錄。昨F-昂寶上漲3元，漲幅1.91％。目前F-昂寶終端客戶除國際品牌廠外，亦涵蓋中國主要品牌廠商包括中興、華為、聯想、酷派等及大部份白牌手機廠，在中國智慧型手機內需市場強勁成長下，也將帶動F-昂寶在手機充電器產品業績成長，股價受到支撐。晶豪科近日除受惠SK海力士無錫廠大火導致智慧型手機用MCP大缺，另外繪圖晶片雙雄超微（AMD）及輝達（NVIDIA）相繼更新繪圖卡產品線，準備搶攻年底聖誕節遊戲硬體市場旺季商機，預期晶豪科Q4營收及獲利均將來到今年最高。國泰證金商部說，權證可留意國泰FZ（065808）或DS元大（065714）。存倉

全球景氣分析：美國新屋開工、成屋銷售數據回穩，self storage房地產市場持續復甦，但美公債殖利率已轉為中期升勢，近期10年期公債殖利率仍處約2.6％，對長天期房貸利率構成壓力，此是FED持續QE抑制利率的主因。國際金融市場未來較重要變數，移至美國財政壓力及國債上限談判，而QE變動的焦點也移至12月份FOMC會議。大陸PMI及歐洲PMI皆出現正向訊號，有利建構2014年全球重要市場經濟景氣全面復甦，這對國際股市或台股回整後，能否延伸更大波段攻勢，具重要意義。電子產業重心移至雲端：網路內容及雲端產業未來將成為全球科技產業發展重心，相關國際代表個股，股價強勢領漲已透露趨勢意義，包括應用雲端環境，提供網路線上各類內容或服務，如海量資料（BIG DATA）處理，客戶關係管理、影音內容、互聯網、數據中心交換服務、線上休閒內容、寬頻娛樂內容等，未來科技變革將由網路內容品牌領導業者主導趨勢發展，擁有愈龐大網路社群客戶，就有愈多可交叉分析行銷及衍生網路服務商機。未來雲端應用普及將改變終端使用者習慣，許多功能應用皆在雲端伺服器端快速處理、運行及儲存，使用者端的硬體規格，包括手機、平板、筆電等將開始簡化，尤其是儲存功能，將可能被雲端儲存設備大幅取代，在台股中相關產業之代表個股，邁向長多。運動產業出現質變：彩色路跑近期蔚為風潮，開放網路報名，隨即秒殺，全球已興起新一波運動健康流迷利倉趨勢。過去運動用品產業，傳統的景氣復甦多出現在總體經濟景氣循環的中段以後，2008年金融海嘯以來，該產業出現一新趨勢：NIKE與ADIDAS品牌市佔率不斷擴張，大量侵蝕其他品牌的商機。NIKE跨出傳統運動鞋領域，進入新潮機能休閒服飾及配件市場，其策略正確也回應到創新高的業績與股價，日前NIKE也被道瓊指數列入新30支成份股之一，趨勢地位被確認，下季業績展望優於市場預期。在運動鞋產品發展上，逐漸走出傳統的材料及工法，進入需要高度技術能量的領域，強調輕量化，透氣、排汗、一體成型等，尤其在全球興起風潮的路跑鞋系列，可以創造出更高單價及新的流行話題，機能性服飾也是一樣。而機能性鞋材及鞋類代工，產業正進入傳統最旺的第4季，最值得留意NIKE相關供應鏈，在NIKE股價持續創高，台灣供應鏈個股業績及股價皆有長多潛力。操作建議：持續關注10月份國際變數，國際股市可能進入回檔震盪期，但中期仍處多頭循環；APPLE新產品訂價不具吸引力，但傳出銷售優於預期，相關供應鏈可趁利多反彈減碼，電子中期趨勢在雲端，而非過去的使用者裝置端，仍較看好雲端相關次產業，包括高階伺服器零組件、資訊安全相關工業電腦IPC、雲端儲存科技、海量資料等，4G LTE帶動光通訊元件需求成長。傳產族群方面，最強主流為正進入最旺季的車用電子及零組件、機能性鞋材，亦看好美國房市修繕零件，高毛利醫材。自存倉

文件倉 記者 江華晨報訊 繼本月5日，國內800公里以上航線燃油附加費由110元上漲至120元後，800公里（含）以下航線燃油費也將上調。攜程旅行網昨天傳出消息，國內部分航空公司將于10月5日（以出票日期為準）起，上調800公里（含）以下國內航線燃油附加費。其中南方航空、廈門航空自2013年10月5日（以出票日期為準）起，將上調800公里（含）以下國內航線燃油附加費，徵收標準為每航段每位旅客由60元上調至70元，800公里以上國內航線燃油附加費仍為120元。存倉

self storage 沒有內文迷利倉

Source: Albuquerque Journal, N.儲存倉M.Sept. 29--History will be made Tuesday.On that day will begin the major push to implement the Affordable Care Act -- Obamacare -- a federal program designed to assure that, in 2014, nearly everyone will have a way to pay for health care and that no one can be denied coverage. Not since Medicare was enacted in 1965 has a government social program been designed to touch so many lives."I think we'll look at this years from now and see this is a historic moment," said J. Mario Molina, president of Molina Healthcare, based in Long Beach, Calif.If all goes more or less according to plan, millions of Americans who do not have health insurance will begin signing up for coverage through the new health insurance exchanges required by Obamacare. Many will get government help paying for it.Millions more will begin signing up for federal government-paid Medicaid benefits that will be made available for the first time to able-bodied low-income adults who are not yet old enough to qualify for Medicare. That is another feature of the Affordable Care Act, though only half the states, including New Mexico, are expected to accept federal money to expand Medicaid.170,000 new signupsThe state Human Services Department estimates 170,000 New Mexicans out of approximately 417,000 without coverage today could sign up for Medicaid over the next four years under the expansion.Most Americans who do not have health insurance next year in some form -- purchased on an exchange, obtained from an employer, veteran's benefits, Medicare, Medicaid or some other coverage -- will be penalized when they file their 2014 income taxes.Starting Tuesday, thousands of the nation's smallest businesses can begin the process of obtaining coverage for their employees and get federal financial help to do it, should they choose to do so. No companies are required to offer coverage, but all companies are required to inform employees about relevant portions of the act.The political vitriol accompanying Obamacare is historic as well. Polls show large numbers of Americans don't understand the act and don't like it. The debate over the Affordable Care Act helped spawn the tea party movement. Organizations like the Club for Growth have spent millions of dollars trying to sabotage it. Not a single Republican voted for it when it passed the Congress in 2010, and Republicans in the U.S. House of Representatives have voted dozens of times to repeal it."It's been more than three years since Obamacare was signed into law, but in that time the administration that created it has been unable to find a way to make it workable," said Rep. Steve Pearce, R-N.M.Insurance is at its most affordable and dependable if very large numbers of people are covered. The high costs of caring for the approximately 20 percent of the pool that uses most of the health system's services are offset by the relatively low costs of serving everyone else, especially younger people.If a private insurance industry is to be maintained at the same time coverage is available to everyone, the young and healthy have to be in the pool. Hence, the requirement that everyone have coverage."It's probably a good time to reflect on why we are doing this as a country," said Presbyterian Healthcare Services CEO Jim Hinton. Absent some sort of universal access to health care, whether it is provided by Obamacare or in some other way, "we have high costs, low qu a lity and people who don't get health care.""Many people are priced out of the (health care) market," Molina said. "So they play Russian roulette, hoping that they don't get sick. That goes away" if Obamacare works as intended.'Good conceptually'The act "is good conceptually. The tough part is implementation," said Bill Frist of Tennessee, a heart surgeon and Senate Republican leader from 2003 until he left the Senate in 2007. Frist spoke this month at the Domenici Public Policy Conference in Las Cruces."It's probably the right thing to do," he said. "We have to get everybody into this market. Otherwise, it doesn't work."Coverage makes a big financial difference to health care providers. Robert DeFelice, CEO of First Choice Community Healthcare, said the clinic charges people without coverage $30 for a primary care office visit, which doesn't begin to cover the clinic's costs.It makes up the shortfall with government funds, donations and, like all other health care providers, by shifting the cost of care to patients covered by commercial insurance. It is estimated that as much as 20 percent of insurance premiums in New Mexico go to paying to care for people without insurance.Medicaid, on the other hand, will pay First Choice $139 for the office visit.Widespread confusionSo far, though, the major result of Obamacare appears to be confusion.A telephone help line established by the parent company of Blue Cross and Blue Shield of New Mexico has fielded 31,000 calls in New Mexico and Texas since it opened a few months ago."The No. 1 question people are asking is, 'What is ACA going to cost me?' " said Janice Torrez, vice president of external affairs. "We get a lot of questions about 'How do I afford to pay for health insurance?' "The success of Obamacare will be determined in large measure by the success of the insurance exchanges that open for business Tuesday.These are electronic marketplaces where consumers and small employers can buy health insurance in a manner similar to buying books from Amazon or airline tickets from Expedia. The idea is that the exchanges will not only be easy to use, but enough companies will compete for exchange business that prices should be tempered.Blue Cross and Blue Shield, Lovelace Health Plan, Molina, New Mexico Health Connections and Presbyterian will offer insurance to individuals who buy on the exchange. All but Molina will sell insurance to New Mexico employers of 50 or fewer employees on what is called the SHOP exchange.Where to goConsumers get to the exchange through . bewellnm.com. The Spanish-language site is .seguroquesinm.com. Insurance brokers who are certified by the exchange can also help individuals and companies get enrolled.The individual exchange software is designed to help customers evaluate plans, provide them with a price, determine whether they are eligible for federal tax breaks to defray the cost of insurance, and verify if they are eligible for Medicaid.The SHOP exchange allows the employer to choose the type of plan employees can buy and determine the employer's contribution to the cost. Employees then go onto the SHOP exchange to choose which companies' insurance they will buy, consistent with the employer's parameters.The exchanges will offer what are known as bronze, silver, gold and platinum plans. Bronze is the cheapest and platinum the most expensive.The major difference among the levels is in the amount the consumer will pay out of pocket. Cheaper plans will require higher deductibles or co-payments.Cost samplingThe average silver plan sold in New Mexico will cost individuals an average of $282 a month, according to the federal Department of Health and Human Services. The national average premium is $328. The average silver plan sold in New Mexico has a deductible of $1,582 a year."I think that competition worked in this case," said Health Action New Mexico Executive Director Barbara Webber, though she also credited state insurance regulators for assuring the plans were both affordable and provided adequate coverage.Whether these premiums make sense, however, is a matter of some speculation.Determining a price "has been a bit of a challenge because we have no experience" serving thousands of customers who haven't had health insurance before, Molina said.If thousands of people with health problems immediately start seeking care for untreated ailments, the price could climb as insurance companies try to cope with this "adverse selection." If thousands of previously uninsured healthy young people sign up for coverage, their relatively low cost of care could hold premiums down.Predicted low ratesNew Mexico Health Connections CEO Martin Hickey says exchange rates are so low "they'll knock your socks off."Lovelace Health System Chief Financial Officer Stephen Forney thinks the long-term trend will be higher premiums."It would be nice if the young invincibles would all sign up for products because that's ultimately how the model is designed," Forney said. "However, by definition, they believe themselv迷你倉最平s to be invincible, which means anything they pay is too much, because (insurance) is not viewed as needed."Penalties for not enrolling aren't that high -- only $95 per adult next year and up to $285 for a family, though it can be as much as $295 per adult and $2,085 per family in 2016. The penalty is assessed on one's tax return, so if the young and healthy uninsured New Mexican makes too little to file income taxes, the penalty will never be assessed.There just isn't that much incentive for the low-cost New Mexican to join the actuarial pool, Forney said.Indeed, there is no telling for certain how many individuals will comply with the mandate that they have insurance. Nor does anyone know how businesses will respond in 2015.That is when employers of more than 50 people will be penalized if they do not offer adequate coverage and their employees receive federal tax breaks when they buy their own health insurance.Contrary to popular belief, businesses are not required to offer coverage, and the penalty applies only if an employee gets federal help buying insurance. Given the size of the penalties and the cost of group health insurance, some businesses could find it much less expensive to get out of the health insurance business, pay the penalty and send employees who want coverage to the insurance exchange.Delay for someThe mandate was originally scheduled to take effect Jan. 1, but the government gave businesses an extra year, citing confusion among employers.Some employers have threatened to reduce the hours their employees work to fewer than 30 hours a week, since those part-time employees are not covered by the mandate. New Mexico Association for Home and Hospice Care members were especially concerned that the payments they receive from insurers and government programs were not enough to allow them to buy insurance.The association's executive director, Joie Glenn, said the extra year will let members "get a handle on what it is going to cost" and what "we are going to have to ask payers to do to help us."The National Federation of Independent Business has been so opposed to Obamacare that it was one of the lead plaintiffs in unsuccessful lawsuits challenging the act's constitutionality. Now that it is law, the federation "is accepting that (the SHOP exchange) is an option for small business members," said state director Minda McGonagle."I haven't got a lot of feedback (from members) about who is going to be in and who is going to be out" of the exchange, she said.Federal penaltiesThe penalty in 2015 is $2,000 per full-time employee, but the first 30 employees are not counted for purposes of calculating the fee. That is significantly less than the average New Mexico employer contribution, according to the Kaiser Family Foundation, of $10,602 for family coverage.That difference led to speculation that larger employers might cancel insurance and pay the penalty. So far, that doesn't appear to be happening in New Mexico, said Eric Weinstein, senior vice president of Aon Risk Solutions, an employee benefits consulting company."Our clients want to provide a meaningful benefit to their employees and their families," Weinstein said. "Our clients' primary focus continues to be the health and productivity of their employees" while controlling costs."Everybody asks about it," said Steve Byrd of the Manuel Lujan Agencies. "Everybody says, 'Hey, what if I drop (coverage)?' But I haven't got the feeling that any significant number of large employers are considering dropping coverage."Some big businesses, however, are eliminating coverage for employees' spouses and domestic partners when they can get coverage from their own employers, among them Lovelace Health System. Weinstein expects more companies to take that route in 2015.Smaller companies are considering dropping their traditional group plans in favor of defined contribution plans available on the SHOP exchange, Byrd said. This approach leaves the choice of plan to the employee, and the employer pays a share of the cost. Until businesses get live quotes from the exchange, it's too early to know what they'll do, Byrd said.Delivering the careOnce everyone is insured, there is still the matter of delivering care. New Mexico is short about 400 primary care physicians, and perhaps 400,000 more people with coverage will seek care over the next few years.Presbyterian's Hinton said that when Massachusetts required its residents to have insurance, "there was an initial uptick in utilization," but the system stabilized as the newly insured learned how to use the system effectively and as health care providers found ways to be more efficient.All of the Albuquerque area's major health care providers have spent years gearing up for the surge in covered lives.Lovelace, which didn't employ physicians until its health plan and the independent physicians group ABQ Health Partners ended the relationship last year, has been hiring physicians. It has opened new outpatient clinics and is adding services at its Women's and West Side hospitals.First Choice has been on a building binge. It added more than 15,000 square feet to its Los Lunas facilities, 24,000 square feet in the South Valley, and it turned its 5,000-squarefoot South Broadway operation into a training center and put a 15,000-square-foot facility in the neighborhood. It is actively recruiting health services students, including physicians.Switching patient focusAll of the systems are shifting their focus from treating the acute needs of patients to techniques for managing the health of populations, an approach that involves teams of providers to proactively work with patients.For example, ABQ Health Partners is developing approaches to patient care used by its California-based parent company, HealthCare Partners. HCH was able to reduce hospital admissions and total cost of care of patients with chronic obstructive pulmonary disease by using teams of physicians, nurses and other providers to closely monitor patients and visit them at home.Presbyterian has used a similar approach, plus new technologies, to deliver hospital-like services in patients' homes.First Choice has teams that try to identify community problems that lead to health problems, things like unsafe streets, substandard housing and inadequate nutrition.The promise of universal coverage ought to be that providers no longer will have to scramble to provide care to people who can't pay. It isn't working out that way for hospitals, said New Mexico Hospital Association President Jeff Dye.'Less with less'A combination of federal spending cuts and Affordable Care Act provisions has hammered smaller hospitals in New Mexico."There will not be any immediate end to uncompensated care," Dye said. "In the short term, most hospitals, especially rural ones, are doing less with less."In the past three years, New Mexico Medicaid outpatient payments were cut $250 million; sole community provider payments, which pay for indigent care, were cut $70 million; and Medicare cuts designed to help pay for the ACA cost New Mexico hospitals another $76.5 million, Dye said.At the same time, hospitals are having to spend millions to comply with ACA requirements, such as adoption of electronic health records.Dye said the result is that rural hospitals have closed obstetrics services, hospitals have laid off workers, and keeping managers has become difficult.Even with the strain, New Mexico hospitals have improved care. They have reduced pneumonia associated with ventilators by 75 percent, and injuries due to patient falls, urinary tract infections and bloodstream infections are down significantly, Dye said.Frist anticipates the roll-out of Obamacare will be "very, very tough."That's to be expected, Molina said. Every time a state rolls out a new Medicaid program, there are always problems. Obamacare will be no different."When they look back, they see these are basically good programs. They help a lot of people. The minor bumps are forgotten over time," Molina said."This is a radical change in the insurance market," Hinton said. "But the sun is likely to come up over the Sandias on Dec. 31."The Associated Press contributed to this reportDoing the mathFamily size, income and where you live will determine Obamacare's impact on your bottom lineCopyright: ___ (c)2013 Albuquerque Journal (Albuquerque, N.M.) Visit the Albuquerque Journal (Albuquerque, N.M.) at .abqjournal.com Distributed by MCT Information Services儲存