

In a press conference earlier in January, to announce the start of the 2017 tax filing season, which began on Jan. 23rd, the IRS said it expects more than 153 million tax returns this year.
More than 70% of taxpayers will receive a refund in 2017, with 90% or more of refunds issued in fewer than 21 days after returns are submitted, the IRS estimated. In 2016, 111 million individual tax refunds were issued.
Most filers who received government subsidies to buy Obamacare state exchange plans had to pay money back to the IRS last year, according to an H&R Block analysis released in 2016 that looks at the health law’s two full tax seasons. If a taxpayer projected a higher annual household income than they actually claimed in their filing, they may owe tax credits back that they received by purchasing an Obamacare policy or their state’s exchange plan. One other cause for having to repay tax credits is due to claiming eligibility, but not being eligible due to having access to affordable employer coverage.
The tax-prep giant studied its own massive customer base and concluded that two-thirds of its filers who got subsidies from Obamacare were overpaid during the course of the year, and owed money back to the IRS on the April 15th deadline. 
The ‘Affordable’ Care Act, better known as Obamacare, mandates Americans — unless they’re qualified for an exemption — to carry health insurance coverage or pay a penalty when filing their tax returns. The IRS says most taxpayers simply need to check a box to verify that they have insurance. For others with more complex answers, the agency offers tips on IRS.gov/aca.
IRS Commissioner John Koskinen said the number of people receiving Obamacare subsidies during the last tax season (2015 tax filing), was up from 3 million in 2014. For that year, customers got more than $10 billion in tax credits, with an average subsidy of $3,430 annually, according to the IRS. Obamacare subsidies are available to wage earners with low and moderate incomes. People who earn less money get more in assistance than higher earners.
Koskinen wrote that about 6.5 million taxpayers last tax season reported owing a total of $3 billion in such tax penalties for failing to have coverage in 2015. In contrast, about 8 million people owed an Obamacare fine for lack of coverage in 2014. Fines related to lack of coverage in 2014 totaled $1.6 billion.
CNBC reported that some 12.7 million people claimed one or more exemptions from the ACA-coverage mandate when they filed their taxes last year. “The exemptions are wide ranging and can include having very low income, being incarcerated or having a close family member die recently,” according to CNBC.
The primary reason for the decline in Obamacare fines last year appears to be that millions of Americans experienced a significant drop in income, which ironically is a direct result of the economic damage inflicted on businesses by the financial strictures of the Obama ‘Affordable’ Care Act (ACA).
CNBC also reported that the new Republican-led Congress last month began taking steps toward repealing key parts of the ACA, which include the funding of premium subsidies and the individual mandate. For the middle class’s economic sake, let’s hope the effort is successful.

The National Taxpayer Advocate has released their 2016 Annual Report to Congress. The report contains data regarding Obamacare premium tax credits (PTC) and individual shared responsibility payment (ISRP) filings – The Obamacare tax penalties for not having health coverage.
The report identifies a number of issues that the IRS has faced or is facing involving the Obamacare ACA and makes a number of recommendations. These include:
- The IRS seems to have largely addressed early problems of Obamacare tax overpayments through outreach conducted to tax practitioners and software providers.
- Reconciliation of PTCs (the Obamacare low-income subsidies) with advance PTCs (APTCs) continues to cause problems, and has risen to the fourth highest category of Taxpayer Advocacy Service cases, accounting for nearly 11,000 cases in 2016. The primary problem seems to be the IRS holding up processing of returns when taxpayers fail to file a form 8962 and reconcile their advance PTC with their PTC.
- Processing of tax filings is delayed when Obamacare APTC recipients incorrectly file form 1040-E, which does not allow for APTC reconciliation.
- The IRS is taking action to address “silent returns,” which do not either check the box indicating full-year coverage, claim an exemption, or paying the ISRP tax penalty. The IRS will send a letter 12C requesting more information in these cases and assess the ISRP if no response is forthcoming.
- The Taxpayer Advocate recommends that the IRS should ease the burden on individuals claiming the religious exemption by allowing individuals exempt from the Social Security and Medicare taxes to simply indicate this on their form 8965 rather than requiring them to apply separately for an Obamacare ISRP religious exemption.
- The Taxpayer Advocate recognizes that taxpayers who receive large Social Security Disability Payments may have to repay Obamacare APTC subsidies they received. There is no apparent administrative fix for this problem.
- The IRS needs to provide specialized training to its newly established Obamacare ACA Business Exam unit, which handles employer ACA returns.
- The IRS may not be adequately prepared to handle Obamacare ACA employer filings. It had expected 77 million 1095-Cs for 2016 and received 104 million or 35% more than expected. Of these Obamacare employer filings, 5.4 percent were then rejected.

The IRS, in a statement regarding taxpayer compliance issues has said: “The IRS will follow its normal compliance approach to filed tax returns. During its normal processes, the IRS routinely follows up on the accuracy and completeness of tax returns and may ask taxpayers to substantiate the information on their tax returns. These inquiries sometime occur before processing refund requests and other times after the processing of refund requests.”
“The vast majority of taxpayers voluntarily comply with their tax responsibilities—our income tax system is built on voluntary compliance,” the IRS said.
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At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on…. 
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In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, February 5th, 2017 was:
JENNIFER KINNER
Boyne Falls, MI
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

1/30/17
Brittany Deaver
Carol Scheive
Dawn Raasch
Sherri Kidwell
Ashley Stamey Phillips
Karen Hacker Lewis
Mary Ann Cody
Holly Cajigas
Lisa Puckett
Melissa Barnes Walker
Erica Hansen
Kristin Yergey
Amy Marie Wilkinson
Alexandria Tinnon
Melissa Turner Baker
Tammy Alcorta
Jennie Gallagher
Adaria Johnson
Mya Murphy
Pamela White Brearley
Tabitha Sinks
Sandy Nevels
Jennifer Kinner
Cheryl Hall
1/31/17
Kendra George
Paula Rivers
Mary Achio
Alexandra Vindiola
Christine Acoba
Brittany Deaver
Raquel Munoz Navarro
Darrell Skarvan
Heather Jacques
Megan Akins
Brandi Chaney
Jennifer Kinner
Susanne Killion
Sheila Carvell
Lotorya Patrick
Paula M Bondy
Sheila Carvell
Terri Llexxes
Juanita Williams-Jones
Thomas Ryan
2/1/17
Kendra George
Cheryl Hall
Jakara Jackson
Kassi Krick-King
Michelle Hughes
Priscilla Shimp
Anna Ashley Pinder
Mary Achio
Dawn Raasch
Dana Marie Germain
Leslie Wagner Hobson
Ashley Agner
Thomas Ryan
Kristina Harris
Crystal Young
Sheila Carvell
Brenda Casey
Kizzy Alvarez DeSantis
Samantha Brwn Ramos
Cheyenne Shaw
Jade Good
Kathleen Hickman
2/2/17
Michelle Hughes
Jennifer Saavedra
Anna Nichols
Glenna Zanaglio
Preeti Chand
Melissa Turner Baker
Paula Rousseau
Heather Marie Stacy
Kendra George
Kimberly Snyder
Christy Hawkes
Darbie Brown
Melissa Ann Stura-Bassett
Wayne Gallas
Dena Baji
Kayla Clemons
Misty Shallcross
Kimberly Taylor Hall
Angel Anderson
Phyllis Hines
2/3/17
Mya Murphy
Preeti Chand
Annette French
Beth Cleveland
Trish Hysell
Sarah Bellestri Shih
Kayla Hernandez
Alisa Jones
Adaria Johnson
Raquel Munoz Navarro
Wizdom Norwood-Goins
Christine Acoba
Mary Alice Ford
Lezlie Earley
Kizzy Alvarez DeSantis
Jennifer Sparks
Chrissy Kim
Carla S-Paige Williams
Terri Llexxes
Angela Nicole
2/4/17
Crystal Young
Kayla Clemons
Ashley Oshier
Angelique Drummond
Mya Murphy
Kimberly Taylor Hall
Paula Rousseau
Megan Akins
Stephanie Beckwith
Lotorya Patrick
Kristina Harris
Jennifer Downing
Kimberly Foster
Beth Cleveland
Nitasha Shank
Amy Chavis
Georgiann D’Angelo
Mary Achio
Lisa Wright
Brandy Marie Williams
2/5/17
Misty Shallcross
Sheila Carvell
Ashley Stamey Phillips
Mary Achio
Jennifer Ramlet
Christy Hawkes
Joanie Waterman
Ashley Agner
Jade Good
Tiffany Greene Elliott
Melissa Ann Stura-Bassett
Brandi Chaney
Becca Dotsun
Kimberly Foster
Brandy Marie Williams
Jennifer Downing
Crystal Young
Brenda Casey
Tina Marie
Andrea Timms

Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….

Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
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Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
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JAMA Forum: How Will President Trump’s Policies Affect Domestic and Global Health and Development?
By Lawrence Gostin, JD on January 11, 2011

Donald Trump’s election to the US presidency marks a time of global transition, with singular importance to health. The world is witnessing the rise of populist movements characterized by concerns about trade, immigration, globalization, and international organizations. These seismic events could have profound effects on health and development in the United States and globally.
There is still a great deal we don’t know about the policies of a Trump administration, and how those policies will unfold in a constitutional system of checks and balances. Trump has not laid out specific details on major domestic policies, such as reforms related to the Affordable Care Act (ACA) or reproductive rights. Even less well understood are his views on global health issues, such as health assistance, the Paris Climate Change Agreement, and the World Health Organization (WHO).
Based on Trump’s earlier statements, what can we expect for 2017 and beyond?
The Affordable Care Act
A recent JAMA Viewpoint identified 4 major ACA reforms discussed by the House leadership and President-elect Trump: health savings accounts, selling health insurance across state lines, Medicaid block grants, and malpractice reform. Congress has already taken the first steps to repeal the ACA, with implementation possibly delayed before a replacement is enacted. His nominee for Secretary of the Department of Health and Human Services (HHS), Rep Tom Price, MD, (R, Georgia), earlier introduced legislation to dismantle the ACA. There is little empirical evidence that current Republican proposals would retain health coverage gains or significantly lower health care costs.
President-elect Trump has said he plans to keep 2 popular ACA features, retaining coverage of preexisting conditions and of dependent children up to age 26 years. The ACA was able to offer these benefits by widening the pool of insured individuals, particularly younger and healthier enrollees, through individual and employer mandates, which Trump opposes. Republican proposals also would not maintain subsidies in health insurance exchanges or retain the Medicaid expansion. This leaves 2 major unanswered questions: how to widen risk pools to stabilize insurance markets and how to maintain the gains in coverage.
Reproductive Health and Rights
Trump has vacillated on his views about reproductive health, although Vice President–elect Pence and Rep Price favor restricting contraception coverage and abortions and eliminating federal funding for Planned Parenthood. Although Trump might not fight for new federal abortion restrictions, he would likely turn a blind eye to state restrictions. The Supreme Court recently struck down 2 onerous state abortion restrictions, but the majority of states still have restrictive legislation in place.
As part of the law’s commitment to covering preventive services, the ACA guarantees access to reproductive and family planning services, such as contraception. Because family planning and other preventive services are defined in an administrative regulation, the HHS Secretary could change the rule without congressional approval. Eliminating this benefit would cause real financial hardship for many of the 62% of all women of reproductive age who use contraception.
Trump promised to nominate a strong “pro-life” Supreme Court justice, putting the Court in the same closely divided position before Justice Antonin Scalia’s death. If there were additional vacancies during Trump’s presidency, the Court’s pro-life block would probably prevail. Reproductive rights are facing strong headwinds as states pass laws that make it harder for poor women to access safe, legal abortions.
Climate Change
Climate change holds short-term and long-term peril for domestic and global health. Experts say it will exacerbate severe weather events, fuel heat waves, increase pollution, alter the geographical reaches of disease vectors, and produce crop failures, thereby increasing injuries, malnutrition, infectious diseases, asthma, and cardiovascular disease.
Trump (who, along with his nominee for the Environmental Protection Agency, Scott Pruitt) is distrustful of climate science. He pledged to undo the Obama Administration’s 2016 greenhouse gas targets and revoke financial commitments to United Nations (UN) climate change programs—although he said he had an “open mind.” His commitment to fossil fuel development (coal and oil) could reduce incentives for clean alternatives. At the same time, if he rejects the Paris accord, other world leaders might similarly renege on their environmental promises.
International Health
Broad bipartisan support exists for former President George W. Bush’s President’s Emergency Plan for AIDS Relief (PEPFAR), and successive presidents have supported the Global Fund to Fight AIDS, Tuberculosis and Malaria. Trump has not signaled diminished support for these programs, but international health assistance probably will be flat-lined, possibly reduced. This will maintain the US support for antiretroviral treatment in Africa and elsewhere, but would do little to expand coverage.
President Obama’s signature global health achievement is not likely to fair as well. His $1 billion Global Health Security Agenda (GHSA) is strengthening health systems in lower-income countries. President Obama also advocated for US leadership and funding during the Ebola and Zika outbreaks during his term. Trump would be less likely to push Congress to renew GHSA funding or allocate major resources to fight the next global health emergency.
The WHO has introduced major reforms, including a new health emergencies program and joint external evaluation of national health systems. Yet its new program is significantly underfunded. Absent GHSA funding to the Centers for Disease Control and Prevention and WHO, we are unlikely to see significant improvements in epidemic preparedness. That would leave the world highly vulnerable to novel circulating viruses and influenza strains.
Refugee Health
The millions of refugees fleeing conflicts in the Middle East and North Africa often lack basic health needs such as potable water, nutritious food, and housing. Overcrowded conditions fuel infectious disease outbreaks, while vulnerable women face sexual assaults. Turning the tide on these health threats requires humanitarian assistance and a willingness to shoulder a fair share of the burden in welcoming refugees. A new US administration is unlikely to increase (and may reduce) humanitarian assistance, while turning away vulnerable immigrants. Two hallmarks of Trump’s campaign were an antiimmigrant sentiment and an insistence on increased border security, both of which would harm refugees and other vulnerable immigrants.
Health, Development, and the Environment in the Balance
Fresh leadership at the UN and WHO, together with the Sustainable Development Goals, offers great promise. António Guterres, the former UN High Commissioner for Refugees, began serving as the ninth UN Secretary-General on January 1, and in May, the World Health Assembly will elect a new WHO Director-General. Both are charged with the task of working toward the ambitious UN Sustainable Development Goals, including bold health targets such as universal health coverage and fighting noncommunicable diseases.
The United States has historically exercised global health leadership, while sharply increasing health insurance coverage domestically under the Obama administration. As Trump takes office with the promise to “put America first,” what will that mean for our commitments to global health and progress toward universal health coverage? The future of health, development, and the environment hangs in the balance.
***
About the author: Lawrence O. Gostin, JD, is University Professor and Faculty Director, O’Neill Institute for National and Global Health Law, Georgetown University Law Center, and Director of the World Health Organization Collaborating Center on Public Health Law and Human Rights. His most recent book is Global Health Law (Harvard University Press).
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At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 
Click-On for LinkedIn: LinkedIn
Like us on facebook: HealthInsurance4Everyone

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips! HealthInsurance4Everyone or Health & Life Solutions, LLC
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
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Mexican drug lord Joaquín “El Chapo” Guzmán pled not guilty in a U.S. federal court in New York City. His attorneys had fought his extradition in part by citing discrimination against Mexicans. His court appearance came just one day after his extradition from Mexico and he is being held without bail. Guzman, 59, arrived at Long Island’s MacArthur Airport Thursday night after being taken from prison in the city of Juarez, in the northern state of Chihuahua, where his Sinaloa cartel rules.
He is accused of running the world’s largest drug-trafficking organization. There are 17 criminal charges against him, carrying a minimum sentence of life behind bars. Guzman is accused of money laundering, drug trafficking, kidnapping and murder in several US cities, including Chicago, Miami and New York. Charged in a total of six U.S. jurisdictions, Guzman will faced his first set of charges in Brooklyn on a combined indictment from New York and Florida.
While leading the Sinaloa cartel, Guzman is believed to have been running the world’s largest transnational cocaine, heroin and methamphetamine smuggling operation. More than 100,000 people have been killed during a decade-long drug war in Mexico. A U.S. attorney says the government is seeking a $14 billion forfeiture order as part of its prosecution of the notorious Mexican drug kingpin.
According to his indictment and court filings, Guzman grew and sold poppies for heroin as a young boy. His drug trafficking career that began in the 1980s and he came to dominate Mexican smugglers by the speed with which he was able to move drugs into the United States.
After partnering with Colombian producers, they shared in profits of U.S. distribution markets, moving cocaine and other drugs through tunnels under the U.S. border as well as planes, yachts and even a submarine, employing a crew of violent hit men known as“sicarios” and corrupting Mexican officials.
The indictment charges Guzman with running the massive drug trafficking operation that laundered billions of dollars and oversaw murders and kidnappings. Prosecutors agreed to not seek the death penalty as a condition of the extradition of Guzman, who’s the convicted leader of the Sinaloa cartel.
Guzman had maintained control and expanded his drug trafficking empire through two prison terms in Mexico. He has escaped twice from a maximum security prison in Mexico, once in a laundry cart and a second time in 2015, through a mile-long tunnel dug into the shower in his cell. He was captured a year ago, just six months after his last escape. Mexican officials say a secret interview with US actor Sean Penn helped locate the world’s most wanted drug baron. US officials have refused to say where El Chapo will be held while awaiting trial, but they vowed to prevent any further escapes.
US attorney for New York’s Eastern District, Robert Capers, told reporters the trial will likely be long and that more than 40 witnesses were ready to testify. US prosecutors assured Mexican officials that El Chapo would not be executed in order to secure his extradition, Capers said. Mexico opposes capital punishment. “Guzman and the Sinaloa cartel had a veritable army, ready to war with competitors and anyone Guzman deemed to be a traitor,” US prosecutors said. He was known to carry a gold-plated AK-47 rifle.
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The Justice Department have announced that Chicago police officers routinely violate civil rights, target communities of color with excessive force and maintain a “code of silence” to hinder investigations into abuses. After a 13 month investigation, the Department of Justice has concluded that there is reasonable cause to believe that the Chicago Police Department engages in a pattern or practice of use of excessive force in violation of the Fourth Amendment to the Constitution.
The investigation began in December 2015 after the release of a video showing the death of 17-year-old African American Laquan McDonald, who was shot 16 times by white police officer Jason Van Dyke. Chicago Mayor Rahm Emanuel agreed in principle to negotiate a consent decree for a federal monitor to oversee the Chicago Police Department.
The Chicago Police Department has a legacy of corruption and abuse. The over 161 page report came to light as the department grapples with skyrocketing violence in Chicago, where murders are at a 20-year high, and a deep lack of trust among the city’s residents.
The report cited unchecked aggressions such as an officer pointing a gun at teenagers on bicycles suspected of trespassing; officers using a Taser on an unarmed, naked 65-year-old woman with mental illness; officers purposely dropping off young gang members in rival territory. The report stated that after officers used excessive force, their actions were practically condoned by supervisors, who rarely questioned their behavior. One commander interviewed by the Justice Department said that he could not recall ever suggesting that officers’ use of force be investigated further.
Chicago is among nearly two dozen cities — including Cleveland; Ferguson, Mo.; and Seattle — where the Justice Department has pushed for wholesale changes to police practices.
Attorney General Loretta Lynch and Mayor Emanuel presented the report at the federal courthouse in downtown Chicago. They laid out the steps the city had committed to take to remedy the problems. Lynch said the Justice Department had reviewed thousands of documents, conducted extensive interviews, and discovered widespread evidence that the Police Department was sorely in need of reform. It does not train officers properly, fails to properly collect and analyze data, and has little support from the community, the report said.
The report described a broad lack of oversight within the department. “We found that officers engage in tactically unsound and unnecessary foot pursuits, and that these foot pursuits too often end with officers unreasonably shooting someone — including unarmed individuals,” the report said. “We found that officers shoot at vehicles without justification and in contradiction to C.P.D. policy. We found further that officers exhibit poor discipline when discharging their weapons and engage in tactics that endanger themselves and public safety, including failing to await backup when they safely could and should; using unsound tactics in approaching vehicles; and using their own vehicles in a manner that is dangerous.”
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In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, January 22nd, 2017 was:
KRISTINA ROSSON
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

1/16/17
Lotorya Patrick
Sandy Nevels
Sheila Carvell
Nitasha Shank
Alicia Dansby
Adaria Johnson
Holly Cajigas
Marcy Coull
Brandy Marie Willaims
Christine McKinnon
Brittany Deaver
Jade Good
Dean Bruss
Katrina Worford
Jennifer Sparks
Cheryl Hall
Stacy Draeger-Brogan
Michelle Rayeske-Jeske
Fanny Wat
Paula Rousseau
Kendra George
1/17/17
Jessica Miller
Misty Shallcross
Alicia Dansby
Kimberly Snyder
Lisa Jimenez
Lesa Moats
Lori Capobianco
Megan Akins
Derek Jennings
Mary Ann Cody
Wendi Black
Phyllis Hines
Megan Akins
Amy Marie Wilkinson
Holly Cajigas
Michelle Hughes
Alexandria Tinnon
Sheila Carvell
Jennifer Fremont
Jennifer Ramlet
Andrea Workman
Kathleen Hickman
Anna Nichols
1/18/17
Shelby Howke
Pamela White Brearley
Amy Marie Wilkinson
Dale Fish
Steve Hardy
Cassandra L Penley
Raquel Munoz Navarro
Judy Custer
Lesa Moats
Mya Murphy
Jennifer Downing
Brandi Chaney
Amy Hopper
Mya Murphy
Marie Beauregard
Melissa Ann Stura-Bassett
Chrissy Kim
Jade Good
Kristina Harris
Abby Cox
1/19/17
Christine Acoba
Katrina Worford
Beata Tybor
Brett J. Griffith
Laurie Griffith
AmValerie Kuehn
Crystal Hazelwood
Sheila Carvell
Kimberly Snyder
Brittany Deaver
Susanne Killion
Juanita Williams-Jones
Joanie Waterman
Kizzy Alvarez DeSantis
Heather Jacques
Steve Hardy
Phyllis Hines
Brandi Chaney
Priscilla Shimp
Megan Rhyne
1/20/17
Anna Nichols
Jennifer Alice Duran
Christy Hawkes
Megan Rhyne
Kristin Yergey
Gino Nino
Jade Good
Chaunda Zeller
Amy Chavis
Juanita Williams-Jones
Sarah Bellestri Shih
Kathleen Hickman
Amy Marie Wilkinson
Tessa Davis
Lesa Moats
Jennifer Saavedra
Kayla Clemons
Leigh Nichols
Derek Jennings
Brandy Marie Williams
Kendra George
Amy Hopper
1/21/17
Kizzy Alvarez DeSantis
Kendra George
Ralph Gonzales
Lori Capobianco
Nikki Bankert
Dawn Raasch
Luis Vazquez
Paula Rousseau
Amy Hopper
Nitasha Shank
Brandy Marie Williams
Fanny Wat
Jane Peterson
Emily Rice Bowersock
Wayne Gallas
Samantha Brwn
Derek Jennings
Nai Merri
Mikayla Oakes
Anna Nichols
1/22/17
Andrea Timms
Althea Thomas
Kim Floyd
Kristina Rosson
Nicole Matusevich
Beth Cleveland
Carole Jacobs
Priscilla Shimp
Hollie Jahnke
Kiki Roberson
Cheryl Reagin Burns
Joanie Waterman
Lisa David Carr
Crystal Young
Sarah Bellestri Shih
Kristina Harris
Alexandra Vindiola
Jennifer Downing
Beeg Reeb
Brian K Henson

Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)

Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans. 
LegalShield
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Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, January 1st, 2017.
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!.
Read more