SCNP-EN SCNP Strategic Infrastructure Security health |

SCNP-EN health - SCNP Strategic Infrastructure Security Updated: 2023

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Exam Code: SCNP-EN SCNP Strategic Infrastructure Security health November 2023 by team

SCNP-EN SCNP Strategic Infrastructure Security

Exam Detail:
The SCNP-EN (Strategic Infrastructure Security) exam is designed to assess the knowledge and skills of individuals in strategic infrastructure security concepts and practices. Here is a detailed overview of the exam, including the number of questions and time, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The SCNP-EN exam typically consists of 75 multiple-choice questions. The duration of the exam is 90 minutes.

Course Outline:
The SCNP-EN certification course covers various subjects related to strategic infrastructure security. The course outline may include the following components:

1. Introduction to Strategic Infrastructure Security:
- Understanding strategic infrastructure security concepts and principles
- Importance of strategic infrastructure security in modern organizations
- Threat landscape and emerging security challenges

2. Security Governance and Risk Management:
- Security governance frameworks and models
- Risk management methodologies and processes
- Security policy development and implementation

3. Strategic Infrastructure Security Planning:
- Developing strategic security plans
- Threat modeling and risk assessment
- Security controls and countermeasures

4. Security Architecture and Design:
- Designing secure infrastructure architectures
- Security requirements and considerations
- Secure network and system design principles

5. Security Incident Management and Response:
- Incident management processes and frameworks
- Incident detection, analysis, and response
- Business continuity and disaster recovery planning

6. Legal and Regulatory Compliance:
- Compliance frameworks and standards
- Data privacy and protection laws
- Intellectual property protection

Exam Objectives:
The objectives of the SCNP-EN certification exam are to assess the candidate's understanding and knowledge in the following areas:

- Strategic infrastructure security concepts, principles, and terminology
- Security governance, risk management, and policy development
- Planning and design of secure infrastructure architectures
- Incident management and response processes
- Compliance with legal and regulatory requirements

Exam Syllabus:
The SCNP-EN exam syllabus covers the following topics:

1. Introduction to Strategic Infrastructure Security
2. Security Governance and Risk Management
3. Strategic Infrastructure Security Planning
4. Security Architecture and Design
5. Security Incident Management and Response
6. Legal and Regulatory Compliance

Candidates are expected to have a solid understanding of these subjects and their practical application in the field of strategic infrastructure security. The exam assesses their ability to analyze security requirements, develop security plans, implement security controls, and respond to security incidents effectively.
SCNP Strategic Infrastructure Security
Exin Infrastructure health

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SCNP Strategic Infrastructure Security(R)
Answer: B
Question: 225
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Linux Ping Reply
B. Windows 2000 Ping Reply
C. Windows NT 4.0 Ping Request
D. Linux Ping Request
E. Windows 2000 Ping Request
Answer: E
Question: 226
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Trojan Horse Scan
B. Back Orifice Scan
C. NetBus Scan
D. Port Scan
E. Ping Sweep
Answer: B
Question: 227
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Linux Ping Response
B. Linux Ping Request
C. Windows 2000 Ping Request
D. Windows 2000 Ping Response
E. Windows NT 4.0 Ping Request
Answer: B
Question: 228
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Nmap SYN/FIN Scan
B. Nmap ACK Scan
C. Nmap NULL Scan
D. Nmap XMAS Scan
E. Nmap SYN Scan
Answer: C
Question: 229
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Nmap SYN/FIN Scan
B. Nmap NULL Scan
C. Nmap ACK Scan
D. Nmap SYN Scan
E. Nmap XMAS Scan
Answer: D
Question: 230
Recently, you have seen an increase in intrusion attempts and in network traffic. You decide to
use Snort to run a packet capture and analyze the traffic that is present. Looking at the example,
what type of traffic did Snort capture in this log file?
A. Nmap XMAS Scan
B. Nmap NULL Scan
C. Nmap SYN Scan
D. Nmap ACK Scan
E. Nmap SYN/FIN Scan
Answer: A
Question: 231
The image shows an example of what algorithm?
B. Triple-DES
C. Blowfish
Answer: D
Question: 232
What type of cryptographic system is represented in this image?
A. Caesar
B. Vingre
C. Polybius
D. Purple E. Enigma
Answer: E
Question: 233
What classic cipher is shown in this image?
A. Feistel Cipher
B. Caesar Cipher
C. Vingre Cipher
D. Polybius Cipher
E. Enigma Cipher
Answer: A
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Exin Infrastructure health - BingNews Search results Exin Infrastructure health - BingNews The government just killed 50 infrastructure projects – what matters is whether it will fund them on merit from now on

The federal government has just announced a list of projects to be abandoned as a result of an independent strategic review of its infrastructure investment program.

The review found the cost of the A$120 billion, ten-year program had blown out by $32.8 billion, half of which was in projects not yet under construction.

But the flaws in national infrastructure planning go much deeper than the question of whether or how projects are listed on a spreadsheet, and how much their costs blow out.

A national framework built around Infrastructure Australia was supposed to resolve differences between the states and the federal government on projects before they get approved.

Read more: Infrastructure review recommends culling 82 planned projects

In the late 1990s and early 2000s, as Australia was recovering from recession, demands for new infrastructure funding grew.

Sydney, which had been “full up” according to then NSW Premier Bob Carr and had economised on spending in the runup to the 2000 Olympics, desperately needed new infrastructure.

With their budgets constrained, states began pitching projects to the federal government, but incoherently and without a national framework.

The Rudd Labor government went to the 2007 election promising to bring coherence and rationality to national infrastructure planning.

Independent advice was meant to fix things…

Rudd and the then infrastructure minister Anthony Albanese established Infrastructure Australia as an independent statutory authority to provide advice on national needs and project priorities. The idea of it being independent came from technocratic bodies such as the Reserve Bank and the Productivity Commission.

Infastructure Australia was diligent in its approach.

It undertook national infrastructure audits to determine key areas of need, prepared uniform criteria by which projects should be assessed, and compiled priority lists of projects assessed on merit against those criteria.

Final decisions on funding would rest with ministers, but they would have the benefit of Infrastructure Australia’s independent advice.

…but big projects are inherently political

But large infrastructure projects addressing public and business needs are unavoidably political.

As desirable as an independent body assessing projects on merit seems, retail politics militate strongly against delegating decisions to technocratic bodies.

But conversely, a minister who is seen to reject official independent advice is politically exposed. This gives both the agency and the minister strong imperatives to preserve each other’s modesty.

From the mid-2010s to the early 2020s, the Australian public service became increasingly politicised, resulting in hollowing out of expertise, loss of independence, and scandals such as robodebt.

‘High priority’ versus mere ‘priority’

Infrastructure Australia, while independent of the core public service in the same way as is the Reserve Bank, became subject to political pressure.

This is exemplified by the case of Victoria’s East-West Link toll road. The Abbott Commonwealth government committed to the project ahead of the 2014 Victorian election, despite the project having a benefit-cost ratio of less than one, meaning that its benefits were less than its costs.

Under the pressure to resolve the contradiction, Infrastructure Australia created a “high priority” list in addition to its existing “priority” list.

The new “high priority” list would include only the projects assessed as having the greatest value to the nation. The existing repurposed “priority” list could house the politically important but less meritorious projects, allowing politicians to claim these projects were “priorities”, even if their absolute merit was doubtful.

East-West Link funded then cancelled

East West Link: unpopular and found not to be worth the cost. Julian Smith/AAP

The 2014 Victorian election result rescued some modesty after the newly elected Dan Andrews abandoned the East-West Link, but the interplay between political needs and technical rationality has if anything gotten worse.

Andrews’s $200 billion Suburban Rail Loop was endorsed electorally at the 2018 and 2022 state elections despite not appearing in any formal metropolitan or statutory transport plans.

At the time of the 2022 federal election, it hadn’t been submitted to Infrastructure Australia for assessment. But the federal Labor opposition, now the government, committed $2.2 billion to it.

Victoria has since submitted the Suburban Rail Loop to Infrastructure Australia, but the assessment is unfinished. Yet it appears on the updated federal infrastructure funding list released by the minister today.

Is Infrastructure Australia independent enough to reject the Suburban Rail Loop if it fails its assessment criteria?

‘Not demonstrably merit-based’

The Suburban Rail Loop is not alone as an infrastructure project promoted well in advance of its assessment. In the leadup to the 2019 election, the Morrison government released proposals for car parks at suburban rail stations.

This scheme was never submitted to Infrastructure Australia and was later found by the Commonwealth Auditor General to be “not demonstrably merit-based”, a finding Labor categorised as “sports rorts on steroids”.

Department of Infrastructure, Transport and Regional Development

The Independent Strategic Review of the national infrastructure program released on Thursday responds in part to these concerns.

It recommends that 86 projects deemed of lower merit be stopped, and supports another 156, with 32 to be determined through further assessment.

The review also offers advice about how to Boost infrastructure planning. It recommends each state prepare an annual infrastructure plan identifying priority projects over ten years, and their proposed sequencing.

The federal government would provide an annual overview of infrastructure planning and priorities to inform assessment and decisions. Funding would usually be split 50:50 between the federal government and the states.

These are useful improvements but they still leave infrastructure open to gaming. There’s more that could be done.

The beginning of a way forward

A first option would be to raise the value threshold for individual projects the Commonwealth should even begin to consider, say $1 billion. Others could be funded through a bulk annual grant to each state.

A second option would be to require a higher merit threshold for considering a project. This would involve assessing regulatory, pricing or taxation alternatives before considering an infrastructure solution.

If after this assessment, infrastructure is deemed appropriate, alternative types of projects should be openly considered. Only after that’s done should the preferred project be considered for funding.

If this had applied to the Suburban Rail Loop, the Victorian government could have been told to assess other options, such as the tram and bus put forward by researchers at the University of Melbourne.

Read more: Transurban's West Gate tollway is a road into uncharted territory

For projects worth more than $1 billion, open parliamentary inquiries could be held to transparently assess their merits and allow for expert and public opinion to be aired on the record.

A further option would be to require rigorous carbon emission analysis of all projects and reject those that conflict with national climate goals.

This would make big infrastructure less attractive, given the carbon content of concrete and steel, and in transport would favour rail freight over roads, and public transport, walking and cycling over driving.

Lastly, all projects funded through Infrastructure Australia should be subject to independent public after-the-event analysis to create an accessible database of what worked and what did not.

Infrastructure is costly. Cheap politics and getting it wrong adds to inflation.

Wed, 15 Nov 2023 19:38:00 -0600 Jago Dodson en-US text/html

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Sat, 22 Jan 2022 01:59:00 -0600 en text/html
Lesbian Health

A: Lesbians face unique challenges within the health care system that can cause poorer mental and physical health. Many doctors, nurses, and other health care providers have not had sufficient training to understand the specific health experiences of lesbians, or that women who are lesbians, like heterosexual women, can be healthy normal females. There can be barriers to optimal health for lesbians, such as:

  • Fear of negative reactions from their doctors if they disclose their sexual orientation.
  • Doctors’ lack of understanding of lesbians’ disease risks, and issues that may be important to lesbians.
  • Lack of health insurance because of no domestic partner benefits.
  • Low perceived risk of getting sexually transmitted diseases and some types of cancer.

For the above reasons, lesbians often avoid routine health exams and even delay seeking medical care when health problems occur.

  • Heart disease. Heart disease is the #1 killer of all women. Factors that raise women’s risk for heart disease — such as obesity, smoking, and stress — are high among lesbians. The more risk factors (or things that increase risk) a woman has, the greater the chance that she will develop heart disease. There are some factors that you can't control such as getting older, family health history, and race. But you can do something about some of the biggest risk factors for heart and cardiovascular disease — smoking, high blood pressure, lack of exercise, diabetes, and high blood cholesterol.
  • Exercise. Studies have shown that physical inactivity adds to a person's risk for getting heart and cardiovascular disease, as well as some cancers. People who are not active are twice as likely to develop heart and cardiovascular disease compared to those who are more active. The more overweight you are, the higher your risk for heart disease. More research with lesbians in this area is needed.
  • Obesity. Being obese can make you more likely to get heart disease, and cancers of the uterus, ovary, breast, and colon. Many studies have found that lesbians have a higher body mass than heterosexual women. Studies suggest that lesbians may store fat more in the abdomen and have a greater waist circumference, which places them at higher risk for heart disease and other obesity-related issues such as premature death. Additionally, some suggest that lesbians are less concerned about weight issues than heterosexual women.

    At this time, more research is needed in these areas: physical activity in lesbians; possible dietary differences between lesbians and heterosexual women; if a higher BMI is a reflection of lean tissue and not excess fat; and if there’s a different cultural norm among lesbians about thinness. In addition, other important factors for researchers to consider are race/ethnic background, age, health status, education, cohabitation with a female relationship partner, and having a disability. Studies have reported that among lesbian and bisexual women, African American or Latina ethnicity, older age, poorer health status, lower educational attainment, lower exercise frequency, and cohabiting with a female relationship partner increases a lesbian woman’s likelihood of having a higher BMI.

  • Nutrition. Research supports that lesbian and bisexual women are less likely to eat fruits and vegetables every day. More research on food consumption and dietary differences in relation to health and lesbians and bisexuals is needed.
  • Smoking.Smoking can lead to heart disease and multiple cancers, including cancers of the lung, throat, stomach, colon, and cervix. Lesbians are more likely to smoke, compared to heterosexual women. Researchers think that high rates of smoking in this population are a consequence several things, like social factors, such as low self-esteem, stress resulting from discrimination, concealing one’s sexual orientation, and tobacco advertising targeted towards gays and lesbians. Studies have also found that smoking rates are higher among gay and lesbian adolescents compared to the general population. Smoking as a teen increases the risk of becoming an adult smoker. We know that about 90 percent of adult smokers started smoking as teens.
  • Depression and Anxiety. Many factors cause depression and anxiety among all women. Studies show that lesbian and bisexual women report higher rates of depression and anxiety than heterosexual women do. This may result from the fact that lesbian women may also face:
  • Social stigma
  • Rejection by family members
  • Abuse and violence
  • Being treated unfairly in the legal system
  • Hiding some or all aspects of one’s life
  • Lacking health insurance

Lesbians often feel they have to conceal their lesbian status to family, friends, and employers. Lesbians can also be recipients of hate crimes and violence. Despite strides in our larger society, discrimination against lesbians does exist, and discrimination for any reason may lead to

depression and anxiety.
  • Alcohol and drug abuse.Substance abuse is as serious a public health problem for the lesbians, gay men, bisexuals, and transgendered people (LGBT) as it is for the general U.S. population. Overall, exact data suggest that substance use among lesbians — particularly alcohol use — has declined over the past two decades. Reasons for this decline may include greater awareness and concern about health; more moderate drinking among women in the general population; some lessening of the social stigma and oppression of lesbians; and changing norms associated with drinking in some lesbian communities. However, both heavy drinking and use of drugs other than alcohol appear to be prevalent among young lesbians and among some older groups of lesbians.
  • Cancers. Lesbian women may be at a higher risk for uterine, breast, cervical, endometrial, and ovarian cancers because of the health profiles listed above. However, more research is needed. In addition, these reasons may contribute to this risk:
  • Lesbians have traditionally been less likely to bear children. Hormones released during pregnancy and breastfeeding are believed to protect women against breast, endometrial, and ovarian cancers.
  • Lesbians have higher rates of alcohol use, poor nutrition, and obesity. These factors may increase the risk of breast, endometrial, and ovarian cancers, and other cancers.
  • Lesbians are less likely to visit a doctor or nurse for routine screenings, such as a Pap, which can prevent or detect cervical cancer. The viruses that cause most cervical cancer can be sexually transmitted between women. Lesbians have similar rates of mammography testing (for breast cancer) as heterosexual women.
  • Domestic Violence. Also called intimate partner violence, this is when one person purposely causes either physical or mental harm to another. Domestic violence can occur in lesbian relationships as it does in heterosexual relationships, though there is some evidence that it occurs less often. But for many reasons, lesbian victims are more likely to stay silent about the violence. Some reasons include fewer services available to help them; fear of discrimination; threats from the batterer to “out” the victim; or fear of losing custody of children.
  • Polycystic Ovarian Syndrome. PCOS is the most common hormonal reproductive problem in women of childbearing age. PCOS is a health problem that can affect a woman’s menstrual cycle, fertility, hormones, insulin production, heart, blood vessels, and appearance. Women with PCOS have these characteristics:
  • high levels of male hormones, also called androgens
  • an irregular or no menstrual cycle
  • may or may not have many small cysts in their ovaries. Cysts are fluid- filled sacs.

An estimated five to 10 percent of women of childbearing age have PCOS (ages 20-40). There is evidence that lesbians may have a higher rate of PCOS than heterosexual women.

  • Osteoporosis. Millions of women already have or are at risk for osteoporosis. Osteoporosis means that your bones get weak, and you’re more likely to break a bone. Osteoporosis in lesbian women has not yet been well studied.
  • Sexual Health. Lesbian women are at risk for many of the same STDs as heterosexual women. Lesbian women can transmit STDs to each other through skin-to-skin contact, mucosa contact, vaginal fluids, and menstrual blood. Sharing sex toys is another method of transmitting STDs. These are common STDs that can be passed between women:
  • Bacterial vaginosis (BV). Although we don’t know for sure that BV is caused by a sexually transmitted agent, BV occurs more commonly among women who have recently acquired other STD’s, or who have recently had unprotected sex. For reasons that are unclear, BV is more common in lesbian and bisexual women than heterosexual women, and frequently occurs in both members of lesbian couples. BV happens when the normal bacteria in the vagina get out of balance. Sometimes, BV causes no symptoms, but over half of affected women have a vaginal discharge with a fishy odor or vaginal itching. If left untreated, BV can increase a woman’s chances of getting other STDs such as HIV, chlamydia, gonorrhea, and pelvic inflammatory disease.
  • Human papillomavirus (HPV). HPV can cause genital warts and abnormal changes on the cervix that can lead to cancer, if it is not treated. Most people with HPV or genital warts don’t know they are infected until they have had a Pap test because they may not have symptoms, but the virus can still be spread by contact. Lesbians can transmit HPV through direct genital skin-to-skin contact or by the virus traveling on hands or sex toys. Some women and their doctors wrongly assume that lesbian women do not need a regular Pap test. However, the virus can be spread by lesbian sexual activity, and many lesbians have been sexual with men so it is recommended that lesbian women have a Pap test. This simple test is an effective method of detecting abnormal cells on the cervix that can lead to cancer. Begin getting Pap tests no later than age 21 or sooner if you’re sexually active. These recommendations apply equally to lesbians who’ve never had sex with men, as cervical cancer caused by HPV has been seen in this group of women.
  • Trichomoniasis “Trich”. It is caused by a parasite that can be passed from one person to another during sexual contact. It can also be picked up from contact with damp, moist objects such as towels or wet clothing. Trich is spread through sexual contact with an infected person. Signs include yellow, green, or gray vaginal discharge (often foamy) with a strong odor; discomfort during sex and when urinating; irritation and itching of the genital area; and lower abdominal pain in rare cases. To tell if you have trich, your doctor or nurse will do a pelvic exam and lab test. A pelvic exam can show small red sores, or ulcerations, on the wall of the vagina or on the cervix. Trich is treated with antibiotics.
  • Herpes. Herpes is a virus that can produce sores (also called lesions) in and around the vaginal area, on the penis, around the anal opening, and on the buttocks or thighs. Occasionally, sores also appear on other parts of the body where the virus has entered through broken skin. Most people get genital herpes by having sex with someone who is shedding the herpes virus during periods when an outbreak is not visible. The most common cause of recurrent genital herpes is HSV-2, which is transmitted through direct genital contact. HSV-1 is another herpes virus that usually infects the mouth and causes oral cold sores, but can also be transmitted to the genital area through oral sex. Lesbians can transmit this virus to each other if they have intimate contact with someone with a lesion or touching infected skin even when an outbreak is not visible.
  • Syphilis. Syphilis is an STD caused by bacteria. Syphilis is passed through direct contact with a syphilis sore during vaginal, anal, or oral sex. If untreated, syphilis can infect other parts of the body. Syphilis remains uncommon in the general population, but has been increasing in men who have sex with men. It is extremely rare among lesbians. However, lesbians should talk to their doctor if they have any non-healing ulcers.
Thu, 15 Sep 2022 15:20:00 -0500 en text/html
Your Health

Kayleigh Butler, a hair stylist, stands for a portrait at her studio in Atlanta on Tuesday, Oct. 17, 2023. "Relaxers have taken an extreme decline ... as we became more knowledgeable about the effects of the relaxer on your hair and what it can do to your hair," says Butler, who remembers getting relaxers when she was 5 years old. Kenya Hunter/AP hide caption

Mon, 13 Nov 2023 10:00:00 -0600 en text/html
Health News

Britain’s medicines regulator has authorized the world’s first gene therapy treatment for sickle cell disease, in a move that could offer relief to thousands of people with the crippling illness in the U.K. In a statement on Thursday, the Medicines and...

November 16

Wed, 15 Feb 2023 04:05:00 -0600 en text/html
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Dr. Matthew Harris visits the primary health-care center where he worked in Brazil 20 years ago. The author of Decolonizing Healthcare Innovation: Low-Cost Solutions from Low-Income Countries says: "I really think that if people had been more receptive to learning from Brazil 20 years ago, we could have had an army of community health workers in [the U.K.] by now." Courtesy Dr. Matthew Harris hide caption

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Michael Wyke/AP

Syphilis among newborns continues to rise. Pregnant moms need treatment, CDC says

"There's a lot of memories here, some good, some bad," said Danny Smith, reflecting on his years working at the now-defunct Solid Energy mine in Pike County, Ky. Smith, 51, suffers from an advanced and incurable stage of black lung disease. Rich-Joseph Facun for NPR hide caption

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Rich-Joseph Facun for NPR

A worker inspects disposable gloves at a factory in Malaysia, a country that has been the top provider of medical gloves to the U. S. and which is facing increasing competition from China. MOHD RASFAN/AFP via Getty Images hide caption

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MOHD RASFAN/AFP via Getty Images

More medical gloves are coming from China, as U.S. makers of protective gear struggle

Kayce Atencio, who has been shadowed by medical debt for most of his adult life, had been unable to rent an apartment because of poor credit due to medical debt, he said. exact reporting changes by credit rating agencies have removed many debts from consumer credit reports and lifted scores for millions, a new study finds. Rachel Woolf for KFF Health News hide caption

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Rachel Woolf for KFF Health News

Open enrollment started Nov. 1 for Affordable Care Act health insurance marketplaces. Carmel Wroth/NPR hide caption

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Carmel Wroth/NPR

The increase in food insecurity in 2022 reverses a decade-long decline in the number of U.S. households experiencing hunger. Justin Sullivan/Getty Images hide caption

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Millions of American families struggle to get food on the table, report finds

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Alex Wong/Getty Images

Angels for Change founder Laura Bray took on the problem of drug shortages when the hospital ran out of the drug that her then-9-year-old daughter needed to treat her leukemia. Laura Bray hide caption

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Laura Bray

The hospital ran out of her child's cancer drug. Now she's fighting to end shortages

States and counties nationwide are using opioid settlement funds for law enforcement efforts, including buying new squad cars. This draws criticism that the funds should be invested in treatment instead. Douglas Sacha/Getty Images hide caption

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Law enforcement eyes opioid settlement cash for squad cars and body scanners

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Too much red meat is linked to a 50% increase in Type 2 diabetes risk

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Medicare Advantage keeps growing. Tiny, rural hospitals say that's a huge problem

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Tom Mason/The Big Idea: Birth Without Bias

Ben Norris, 65, used to live on the streets. Now he's taking part in a pilot project in Oregon that uses Medicaid funds to pay for housing and rent for people who are homeless or in danger of becoming so. Celeste Noche for NPR hide caption

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A mobile clinic parked at a Dollar General? It says a lot about rural health care

Wed, 04 May 2022 21:58:00 -0500 en text/html
Health Reviews No result found, try new keyword!Health's content is for informational and educational purposes only. Our website is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Health is part of the ... Wed, 09 Sep 2020 16:45:00 -0500 en text/html 10 Best Dating Sites For Seniors In 2023

Here are some features you can expect from most dating websites designed for older adults.

A Questionnaire

Depending on the site, you may be asked to fill out a questionnaire to help narrow down matches. It might be a fill-in-the-blank survey, or it might be a multiple-choice “quiz” that helps you express what you’re looking for in a partner. Common questions explore your body type, education level, smoking and drinking habits, religious beliefs and practices, hobbies, political views and match preferences, including age range, height, marital status, education and more.

A Detailed Profile

Your profile is your opportunity to showcase your unique personality. Depending on the website, there are different fields users can fill out, such as your interests and preferences in potential companions. Be sure to share details about yourself, but be careful about revealing too much personal information in your profile.

Privacy and Safety Features

Reputable dating websites disclose the steps they’ve taken to keep your data private and keep you safe while you use their service. Look for words like “encryption” (which encodes messages so they can only be read by the sender and recipient), “scam detection” (which detects potential fraud like fake profiles and stolen photos) and “sex offender checks.” Know that not all free dating sites complete criminal background checks on their users.


The price of meeting a potential match depends on the dating site. For example, Silver Singles offers a free basic membership, but you can upgrade to a premium service that provides unlimited access to all profiles and the ability to create a more detailed profile. Pricing structures differ from site to site.

Communication and Connecting

Once you’ve set up your profile and uploaded a photo, you can begin connecting with potential matches. The options for how to do so are broad, but they often include messaging on the app or website itself, as well as an option for audio and video calls.

The Site’s Network

Before joining a site, do some quick research. Most websites will publicly list their number of active members, and they should be able to share the process by which they match you with singles in your local community.

Additional Perks

Along with matching you with potential partners, some sites offer bonus services like a professional matchmaker who can find matches for you, a dating concierge who can help you plan dates and invitations to member-only events. However, there may be an extra cost associated with these add-ons.

Thu, 02 Nov 2023 23:38:00 -0500 en-US text/html
The Infrastructure Plan No result found, try new keyword!Pelosi on verge of cementing legacy as one of the most powerful members of Congress ever — or ending her career on a sour note Infrastructure week has finally arrived. It’s a victory Biden needed. Mon, 23 Aug 2021 03:29:00 -0500 en text/html Best health insurance companies of November 2023

Updated 12:35 p.m. UTC Nov. 16, 2023

Kaiser Permanente is the best health insurance company, according to our analysis. 

We evaluated health insurance companies based on cost, coverage options, NCQA quality rating and consumer complaints. Use this rating as a starting point to compare providers and find the best health insurance for your situation.

The best health insurance companies of 2023

Top-rated health insurance companies

Compare the best health insurance companies of 2023

We analyzed insurers that sell individual health insurance plans to determine the best health insurance companies. Each health insurance company was eligible for up to 100 points, based on its performance in the following key categories:

  • Cost (30 points). Health insurance companies with the lowest average premiums and deductible for Silver tier health insurance plans received the highest score.
  • Consumer complaints (25 points). Health insurance companies with the lowest levels of complaints received the highest score. We collected complaint data from the National Association of Insurance Commissioners, which shows the volume of health insurance consumer complaints against each company.
  • NCQA quality rating (25 points). Health insurance companies with the highest quality ratings received the highest score. We collected data from the National Committee for Quality Assurance (NCQA), an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics.
  • Variety of health insurance plans (10 points). Health insurance companies with the greatest variety of health insurance plans (HMO, EPO, PPO) received the highest score.
  • Metal tier offerings (10 points). Health insurance companies with the most options of metal tier plans received the highest score.

What is health insurance?

Health insurance is a contract between a health insurance company and the policyholder. The insurance company agrees to pay for covered medical expenses in exchange for the policyholder’s premium payments.

“Health insurance is designed to help individuals manage costs associated with medical care,” said Ryan Bullock, chief operating officer of Aeroflow Healthcare, a durable medical equipment provider. 

You’re more likely to use a service when you pay for it. If you’re uninsured, you may decide not to go to the doctor, even if you have a health concern, due to the high out-of-pocket costs. Health insurance “serves as a safeguard against the high costs of medical treatments, consultations, prescriptions, and hospital stays,” said Tarek El Ali, founder of Smart Insurance Agents health insurance agency.

What does health insurance cover?

All Health Insurance Marketplace, or Marketplace, health insurance plans that are compliant with the the Affordable Care Act (ACA) must cover these 10 essential benefits:

  • Ambulatory patient services for outpatient care.
  • Chronic disease management, preventive and wellness services.
  • Emergency services.
  • Hospitalization, including surgery and overnight stays.
  • Laboratory services.
  • Mental health, behavioral health and substance use disorder services.
  • Pediatric services, including dental and vision care.
  • Pregnancy, maternity and newborn care, including birth control and breastfeeding coverage.
  • Prescription drugs.
  • Rehabilitative and habilitative devices and services.

Specific services within these categories can vary depending on your state’s requirements. Plans can also provide adult dental or vision coverage and medical management programs, such as those that assist plan members with back pain, diabetes and weight management.

Plan benefits can also vary by insurance company. It’s important to read the fine print to determine what each health insurance plan covers and excludes.

Does health insurance cover dental? 

If you’re getting health coverage for someone 18 or younger, dental coverage is an essential benefit under ACA-compliant health insurance plans. That means it must be available as part of a health plan or as a separate dental plan. Adult dental care is not an essential benefit, however, so your health insurance may not cover dental, depending on your plan. 

Some plans include dental, meaning the premium covers both health care and dental. But if your plan doesn’t cover dental, you might be able to buy dental insurance separately through the Marketplace. If you do, you’ll have a premium for your health insurance plan and another for your dental plan.

You can choose between two categories of dental insurance through the Marketplace: low and high. A low coverage plan will have high copays and deductibles but cheaper premiums. A high coverage plan will have lower copays and deductibles but more expensive premiums.

What does health insurance not cover?

Although health insurance plans can vary, according to Shashank Agarwal, senior decision scientist for CVS Health, health insurance may not cover:

  • Experimental treatments.
  • Cosmetic or elective procedures.
  • Non-essential medications or drugs that aren’t FDA-approved.
  • Alternative therapies, such as acupuncture and chiropractic care.
  • Out-of-network care.
  • Dental or vision care, if not part of your health plan.
  • Medical care outside of the U.S.

Your health plan might also exclude coverage for fertility treatments, brand-new technologies or off-label drug use. “There may also be limitations or exclusions relating to pre-existing conditions, dental care, vision care and long-term care,” said Bullock.

While most health insurance plans cover rehabilitative care, they might not cover developmental services, warns Adam Rosenfeld, president of Rubicon Benefits, a division of World Insurance. Although your physical therapy following knee surgery would be covered, speech therapy for your child born with developmental delays may not, he explains.

Just like plan benefits can vary by coverage level and insurance company, so can policy exclusions. Comparing plan benefit details, especially what’s excluded from coverage, can help you determine which plan is best for your health care needs.

Cost of health insurance in 2023

The tables below show examples of health insurance costs for Bronze, Silver and Gold plans from the best health insurance companies in our analysis.

Bronze plans: Health insurance monthly cost examples

Silver plans: Health insurance monthly cost examples

Gold plans: Health insurance monthly cost examples

On a tight budget? How to save money on health insurance

How to find the best health insurance for your needs

There are several steps you can take to find the best medical insurance for your needs:

  • Assess your health care needs, such as “the frequency of doctor visits, medications, and any specific medical conditions you or your family members have,” said El Ali.
  • Evaluate available plans in your area. EPOs, HMOs, PPOs work differently. An HMO may be cheaper, but you’ll have more coverage restrictions. A PPO comes at a higher cost, but you can go out of network for care. Understanding the different plan types and the pros and cons of each can help you find what suits you best.
  • Compare health insurance plans. Each plan can have varying benefits, deductibles, copayments, out-of-pocket costs and premiums. Pay close attention to what a plan doesn’t cover to ensure it will meet your needs. Marketplace plans provide a summary of benefits and coverage (SBC) to make comparing plans easier.
  • Verify network coverage. “If you have preferred doctors or health care facilities, make sure they are in the network of the plan you’re considering,” said Agarwal. Otherwise, you could face expensive out-of-network costs or have to choose a new doctor.
  • Check for prescription coverage. If you take prescription medications, make sure the plan covers them and what your out-of-pocket cost would be. You might have to call the insurance company to determine costs.
  • Look for extra benefits, like telehealth services, a 24/7 nurse line or discounts on wellness programs.
  • Check for financial assistance eligibility. You might be eligible for financial assistance or premium subsidies if you purchase health insurance through the Marketplace.
  • Ask for reviews and recommendations. Have a discussion with coworkers, friends and family members to learn about their insurance company and plan experiences. 

Best health insurance FAQs

The Health Insurance Marketplace’s open enrollment period runs from November 1 through December 15 each year. You can enroll in a new plan or change your current one during open enrollment. Health insurance coverage begins on January 1, when your first health insurance premium payment is due. If you don’t need your health insurance coverage to start until February 1, you can enroll until January 15. 

There are multiple reasons why health insurance is so expensive, said Shashank Agarwal, senior decision scientist for CVS Health. Administrative and medical care costs, prescription drug prices, lifestyle factors, an aging population, mandates and regulations, risk pool dynamics and complex billing and pricing impact how much each person pays for health insurance.

“Drugs used to account for less than 10% of overall health care plan costs, and now it’s over 25%,” said Adam Rosenfeld, president of Rubicon Benefits, a division of World Insurance. A lack of tort reform laws and the ability to revise, renew and extend patents to keep drug prices up also factor into higher health insurance costs.

Find a plan that suits your budgetBest cheap health insurance

There are no federal laws that require health insurance, but California, Massachusetts, Rhode Island, New Jersey, Vermont and Washington, D.C. require residents to declare proof of health insurance coverage on state taxes.

Even if you don’t live in a state that requires proof of medical insurance coverage, most Americans should consider health insurance if they can’t afford to pay for health care out of pocket. Having health insurance can help you pay for preventative care, which can keep you happier and healthier longer. 

Comparing the cost of health insurance plans and your out-of-pocket expenses to paying for care on your own can help determine if you need health insurance.

Sun, 12 Nov 2023 09:59:00 -0600 en-US text/html

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