MSH International Strengthens its Position in the Americas with the Acquisition of Imagine and Intrepid 24/7

TORONTO, Oct. 5, 2017 /CNW/ – Ingle International Inc. have merged its insurance group Imagine Financial Ltd. and its travel medical assistance group Intrepid 24/7 with MSH International. Offices now include an operations centre in Calgary and employ 200 staff positioned to serve the travelling community.

Robust capabilities combined, MSH and Ingle’s enhanced global footprint will facilitate a wider distribution of products and services. (CNW Group/Ingle International Inc.)

As the trusted name in the industry, Ingle companies have served the international traveling community since 1946. Today, they provide the best in class travel insurance protection to international students, students studying abroad, snowbirds, business travellers, expatriates, adventure, vacationing and high risk travelers.

MSH International, a 100% owned subsidiary of Paris-based SIACI SAINT HONORE Group, is one of the largest and most comprehensive suppliers of expatriate insurance services in the world, with more than 330,000 insured participants across 200 countries. SIACI SAINT HONORE Group insures 2,200 000+ people worldwide.

MSH International and Ingle share core values and will continue the tradition of responsive service, deep expertise, and reliable protection. With the best network in Canada, the merger will position the companies to provide its partners and customers with flexible access to an expansive product shelf and strong top notch international networks.

Frederic van Roekeghem, Executive Director of MSH International, says, “our partnership with Ingle will allow us to reinforce MSH International position in the Americas while providing a fully comprehensive and innovative offer and service to our customers“.

Robin Ingle, CEO of Imagine Financial Ltd. and Intrepid 24/7 will assume the role of CEO of MSH Americas, remain a shareholder of the merged group and on the board,  and advise on global strategy for MSH International on international student and short-term travel insurance, “Business, pleasure, education, you name it. We take the risk out of travel by responding to the ever-changing needs of travellers with the best travel, student, and expatriate insurance solutions possible, in any language, worldwide.”

Robust capabilities combined, MSH and Ingle’s enhanced global footprint will facilitate a wider distribution of products and services. Together, the companies are excited to elevate the world of international mobility and give much needed choice and flexibility to consumers and distribution partners alike.

About

Ingle International Inc.

Promoting consumer best-practices since 1946, Ingle International Inc. provides plug and play solutions that drive revenue and enhance customer engagement for the insurance, health care, special-risk, and video production sectors. The Ingle group of companies include: Imagine Financial Ltd., Intrepid 24/7, Novus Health, Travel Navigator™, and sisu production. They have invested in developing industry-proven products and infrastructure in the fields of technology and customer assistance solutions that are scalable, adaptable, and marketable. Innovation is supported by an in-house technology group, high-service member contact centers, creative enhancement services, and results-driven client strategists.

Imagine Financial Ltd.

Imagine Financial and Intrepid 24/7 deliver best-in-class insurance products and travel medical assistance services.

The companies specialize in delivering travel insurance, international student insurance and special-risk solutions to anyone going anywhere in the world. Travellers include international students, expats, athletes, those at risk of kidnap and ransom, travellers entering war zones or other high-risk destinations, and all types of adventurers. Consumers can expect 24/7 multilingual support, duty of care, and topical content to keep them informed about their travels. Products are available under the brand names Imagine Insurance, Ingle International, and now MSH International.

MSH International

MSH International, a 100% owned subsidiary of the SIACI SAINT HONORE Group, is a world leader in the design and management of international healthcare and death and disability insurance solutions for globally-mobile individuals. Its services and intended for employees of multinationals, SMEs and micro-businesses, workers in International Organizations, individual expatriates and local high-net-worth individuals in need of international insurance coverage. Thanks to a decentralized organization, 4 regional head offices in Calgary, Paris, Dubai and Shanghai and 14 service offices across the globe, MSH International provides 24/7, round-the-clock assistance to its 2,000 corporate clients and +300,000 insured members across 200 countries.

SIACI SAINT HONORE GROUP

SIACI SAINT HONORE, one of the leading providers of brokerage and consulting services in the French insurance market, supports large and mid-cap companies in the management of their property and personal insurance risks in France and around the world. The Group designs and develops customized solutions for its corporate clients in Property and Casualty, Marine and Cargo, Employee Benefits, Retirement, HR Strategy and Total Rewards and International Mobility. SIACI SAINT HONORE services encompass the entire value chain form risk management consulting to the management of insurance plans. The firm has currently more than 2,200 employees worldwide, insures about 2.5 million individuals and reported turnover of 306 M€ in 2016.

SIACI SAINT HONORE – Season, 39, rue Mstislav Rostropovitch, 75017 Paris –  Courtage d’assurances – N° d’immatriculation ORIAS 07 000 771 (www.orias.fr) Société par actions simplifiée au capital de 61 057 144 Euros – 572 059 939 RCS Paris – APE 6622 Z – Exerce sous le contrôle de l’ACPR, 61 rue Taitbout 75009 Paris, France.

SOURCE Ingle International Inc.

MSH International Strengthens its Position in the Americas with the Acquisition of Imagine and

As the trusted name in the industry, Ingle companies have served the international traveling community since 1946. Today, they provide the best in class travel insurance protection to international students, students studying abroad, snowbirds, business travellers, expatriates, adventure, vacationing and high risk travelers.

MSH International, a 100% owned subsidiary of Paris-based SIACI SAINT HONORE Group, is one of the largest and most comprehensive suppliers of expatriate insurance services in the world, with more than 330,000 insured participants across 200 countries. SIACI SAINT HONORE Group insures 2,200 000+ people worldwide.

MSH International and Ingle share core values and will continue the tradition of responsive service, deep expertise, and reliable protection. With the best network in Canada, the merger will position the companies to provide its partners and customers with flexible access to an expansive product shelf and strong top notch international networks.

Frederic van Roekeghem, Executive Director of MSH International, says, “our partnership with Ingle will allow us to reinforce MSH International position in the Americas while providing a fully comprehensive and innovative offer and service to our customers“.

Robin Ingle, CEO of Imagine Financial Ltd. and Intrepid 24/7 will assume the role of CEO of MSH Americas, remain a shareholder of the merged group and on the board,  and advise on global strategy for MSH International on international student and short-term travel insurance, “Business, pleasure, education, you name it. We take the risk out of travel by responding to the ever-changing needs of travellers with the best travel, student, and expatriate insurance solutions possible, in any language, worldwide.”

Robust capabilities combined, MSH and Ingle’s enhanced global footprint will facilitate a wider distribution of products and services. Together, the companies are excited to elevate the world of international mobility and give much needed choice and flexibility to consumers and distribution partners alike.

About

Ingle International Inc.

Promoting consumer best-practices since 1946, Ingle International Inc. provides plug and play solutions that drive revenue and enhance customer engagement for the insurance, health care, special-risk, and video production sectors. The Ingle group of companies include: Imagine Financial Ltd., Intrepid 24/7, Novus Health, Travel Navigator™, and sisu production. They have invested in developing industry-proven products and infrastructure in the fields of technology and customer assistance solutions that are scalable, adaptable, and marketable. Innovation is supported by an in-house technology group, high-service member contact centers, creative enhancement services, and results-driven client strategists.

Imagine Financial Ltd.

Imagine Financial and Intrepid 24/7 deliver best-in-class insurance products and travel medical assistance services.

The companies specialize in delivering travel insurance, international student insurance and special-risk solutions to anyone going anywhere in the world. Travellers include international students, expats, athletes, those at risk of kidnap and ransom, travellers entering war zones or other high-risk destinations, and all types of adventurers. Consumers can expect 24/7 multilingual support, duty of care, and topical content to keep them informed about their travels. Products are available under the brand names Imagine Insurance, Ingle International, and now MSH International.

MSH International

MSH International, a 100% owned subsidiary of the SIACI SAINT HONORE Group, is a world leader in the design and management of international healthcare and death and disability insurance solutions for globally-mobile individuals. Its services and intended for employees of multinationals, SMEs and micro-businesses, workers in International Organizations, individual expatriates and local high-net-worth individuals in need of international insurance coverage. Thanks to a decentralized organization, 4 regional head offices in Calgary, Paris, Dubai and Shanghai and 14 service offices across the globe, MSH International provides 24/7, round-the-clock assistance to its 2,000 corporate clients and +300,000 insured members across 200 countries.

SIACI SAINT HONORE GROUP

SIACI SAINT HONORE, one of the leading providers of brokerage and consulting services in the French insurance market, supports large and mid-cap companies in the management of their property and personal insurance risks in France and around the world. The Group designs and develops customized solutions for its corporate clients in Property and Casualty, Marine and Cargo, Employee Benefits, Retirement, HR Strategy and Total Rewards and International Mobility. SIACI SAINT HONORE services encompass the entire value chain form risk management consulting to the management of insurance plans. The firm has currently more than 2,200 employees worldwide, insures about 2.5 million individuals and reported turnover of 306 M€ in 2016.

SIACI SAINT HONORE – Season, 39, rue Mstislav Rostropovitch, 75017 Paris –  Courtage d’assurances – N° d’immatriculation ORIAS 07 000 771 (www.orias.fr) Société par actions simplifiée au capital de 61 057 144 Euros – 572 059 939 RCS Paris – APE 6622 Z – Exerce sous le contrôle de l’ACPR, 61 rue Taitbout 75009 Paris, France.

SOURCE Ingle International Inc.

For further information: contact Imagine Financial’s media room, via media@imagineinsurance.com, or 416 644 2082 extension 330.

Related Links

www.ingle-international.com

Organization Profile


Alimera Sciences Announces ILUVIEN® now available in Ireland

ATLANTA, Sept. 12, 2017 (GLOBE NEWSWIRE) — Alimera Sciences, Inc. (NASDAQ:ALIM) (Alimera), a leader in the commercialization and development of prescription ophthalmic pharmaceuticals, today announced that ILUVIEN, its sustained release intravitreal implant for the treatment of diabetic macular edema (DME), is now available in Ireland through VHI Healthcare Group, the leading Irish healthcare provider.

âDiabetes remains the most serious cause of severe vision loss in people of working age in Ireland, and diabetic macular edema is the cause in around 10% of those cases,â said Marie Hickey Dwyers, former president of the Irish College of Ophthalmologists. âThe approval of ILUVIEN in Ireland is exciting news for all those patients who are no longer responding to their first-line DME treatment. The ILUVIEN implant could mean the difference between a patient having increasingly deteriorating sight, and being able to drive again. I look forward to having ILUVIEN as an option for my patients.â

âIn post-marketing studies in our European markets and the U.S., ILUVIEN has proven to be an effective, long-lasting treatment for DME that decreases treatment burden. We are excited that DME patients in Ireland will have access to this long-lasting treatment that provides continuous daily micro-dosing for up to three years,â said Dan Myers, Alimeraâs CEO. âWe are also proud to be working with the largest Irish healthcare provider to open the gateway for ILUVIEN in Ireland.â

About ILUVIEN

www.ILUVIEN.com

ILUVIEN (fluocinolone acetonide intravitreal implant) 0.19 mg is a sustained release intravitreal implant indicated in the E.U. to treat vision impairment associated with chronic DME considered insufficiently responsive to available therapies. Each ILUVIEN implant with its continuous microdosing is designed to release submicrogram levels of fluocinolone acetonide, a corticosteroid, for 36 months, enabling the physician to treat the disease consistently every day.

About Diabetic Macular Edema (DME)

DME, the primary cause of vision loss associated with diabetic retinopathy, is a disease affecting the macula, the part of the retina responsible for central vision. When the blood vessel leakage associated with diabetic retinopathy results in swelling of the macula, the condition is called DME. The onset of DME is painless and may go unreported by the patient until it manifests with the blurring of central vision or acute vision loss. The severity of this blurring may range from mild to profound loss of vision. The Wisconsin Epidemiologic Study of Diabetic Retinopathy found that over a 10-year period approximately 19% of people with diabetes included in the study were diagnosed with DME. All people with type 1 or type 2 diabetes are at risk of developing DME.

About VHI Healthcare Group

Since 1957, VHI has been helping people in Ireland to access the best value, quality private healthcare through its extensive range of diverse healthcare products and services. With one million customers, they continue to be the market leader for health insurance in Ireland. The brand promise – âWhen you need us, we’re thereâ – is true for practically every medical eventuality, whether you need coverage for hospital treatment, daycare treatment, day-to-day expenses, multi-trip travel insurance, expatriate insurance, dental, walkâin urgent care, medical screening, occupational health, employee assistance programs or hospital in the home services. Customers and their dependents are covered individually, or through membership of one of more than 8,000 corporate and affinity group schemes countrywide.
For more information, visit https://www.vhi.ie/home.

About Alimera Sciences, Inc.

www.alimerasciences.com

Alimera, founded in June 2003, is a pharmaceutical company that specializes in the commercialization and development of prescription ophthalmic pharmaceuticals. Alimera is presently focused on diseases affecting the back of the eye, or retina, because these diseases are not well treated with current therapies and will affect millions of people in our aging populations. Alimeraâs commitment to retina specialists and their patients is manifest in Alimeraâs product and development portfolio designed to treat early- and late-stage diseases. For more information, please visit www.alimerasciences.com.

Forward Looking Statements

This press release contains âforward-looking statements,â within the meaning of the Private Securities Litigation Reform Act of 1995, regarding, among other things, the availability of ILUVIEN to patients in Ireland. Such forward-looking statements are based on current expectations and involve inherent risks and uncertainties, including factors that could delay, divert or change any of them, and could cause actual results to differ materially from those projected in its forward-looking statements. Meaningful factors which could cause actual results to differ include, but are not limited to, the willingness of physicians in Ireland to accept ILUVIEN for use with their DME patients, as well as the other factors discussed in the âRisk Factorsâ and âManagementâs Discussion and Analysis of Financial Condition and Results of Operationsâ sections of Alimeraâs Annual Report on Form 10-K for the year ended December 31, 2016 and Quarterly Report on Form 10-Q for the quarter ended June 30, 2017, which are on file with the Securities and Exchange Commission (SEC) and available on the SECâs website at www.sec.gov. Additional factors may be set forth in those sections of Alimera’s Quarterly Report on Form 10-Q for the quarter ending September 30, 2017, to be filed in the fourth quarter of 2017 with the SEC. In addition to the risks described above and in Alimeraâs Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and other filings with the SEC, other unknown or unpredictable factors also could affect Alimeraâs results. There can be no assurance that the actual results or developments anticipated by Alimera will be realized or, even if substantially realized, that they will have the expected consequences to, or effects on, Alimera. Therefore, no assurance can be given that the outcomes stated in such forward-looking statements and estimates will be achieved.

All forward-looking statements contained in this press release are expressly qualified by the cautionary statements contained or referred to herein. Alimera cautions investors not to rely too heavily on the forward-looking statements Alimera makes or that are made on its behalf. These forward-looking statements speak only as of the date of this press release (unless another date is indicated). Alimera undertakes no obligation, and specifically declines any obligation, to publicly update or revise any such forward-looking statements, whether as a result of new information, future events or otherwise.

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On health care, whose side are Coons and Carper on? (Delaware Voices)

RE Vanella
Published 10:00 a.m. ET Aug. 4, 2017

I read with great disappointment the op-ed written by Sen. Chris Coons regarding his proposals to repair the U.S. health care system now that the latest round of radical Republican schemes have been foiled. Senator Coons makes it a point to state that both his own opposition to the recent Republican bills “was not rooted in partisanship,” and that partisan discourse “won’t get us anywhere.”

He even throws in the obligatory shout-outs to GOP Senators Marco Rubio and John McCain in case anyone was slow on the pickup. Some form of the word “bipartisan” is used four times.

I’d argue that partisanship simply means actually standing up for a side.

Read Coons’ op-ed: A bipartisan prescription for fixing the Affordable Care Act

Coons declares that the problem with rising health costs is the “lack of a competitive marketplace.” To address this price issue, the bill he is sponsoring “incentivizes insurance companies” to remain in markets which only have one dominant insurer. Further, the proposed legislation would “encourage other insurers to come into the marketplace and provide more competition.”

I think Senator Coons is taking a side. I challenge readers to decide whether he’s taken theirs.

Every other modern democracy has solved this problem. Any reader of the local newspaper knows this so I won’t waste too much space. Government subsidized single-payer health care plans work. This is a fact.

Related: Read more about Delaware’s senators fighting Republican health care bills

They are the most efficient, cheapest systems that also happen to get the very best outcomes. There are measurements for such things.

The numbers are in and the markets are producing the wrong answer. Which figures should I cite?

The countries that provide health care to everyone are democracies with capitalist economies. How many should I list?

I suggest that Coons’ plan as presented is not on our side. He claims the bipartisan fix will make sure that U.S.-based expatriate insurance firms can compete “on a level playing field with their foreign competitors.” This is framed in the context of an estimate of Delaware jobs of course.

The number was 500 exactly and perhaps that estimate is true. But does all this strike you as something that will improve access to and the cost of neonatal care for your wife or cancer screening for your neighbor?

Capitalism produces profit first and always. It must. My contention is that the profit motive, while quite handy for some systems, has failed clearly and abjectly to provide the basic health services due to every human being. Only the obstinate ideologue can ignore this fact or pretend to ignore it.

Coons put forward small tweaks and tinkers to the market of medicine, but depending on any system for which the main object is accumulating money is what won’t get us anywhere. Continuing to contort a system already twisted tightly into a Gordian knot is what is unproductive.

Now is the time to pick a side. There is enormous wealth in this country due to this system. A surprising percentage of it is actually parked as terabytes on the computers of Wilmington attorneys who assist in the licensing of legally hidden LLCs, but that’s a discussion for a different day.

Everyone is entitled to fair and decent health care. We are all human beings. Health outcomes cannot be judged the way we determine who makes the slimmest mobile phone, the tastiest burger, the quickest taxi or the cutest shoes.

This is different because it’s us. We are not a thing.

Interestingly, in the same edition the News Journal, I ran past a brief AP wire report announcing Senator Thomas Carper will run again for the U.S. Senate. I learned that rather than retire as he had originally planned, the newly elected administration has inspired him to sign on for a fourth term.

Carper is a co-sponsor of the same bill his Delaware colleague described.

I wonder if a candidate who took a real stand for working people and advocated for the health care solution to which the rest of the developed world has successfully implemented mount a significant challenge to Carper? Has any corporate “New Democrat” faced a real primary brawl lately?

This being Delaware politics, I suspect the result is a fait accompli. Regardless, I think that would really be something. It would settle the argument about what tactic is more politically productive anyway.

RE Vanella is a lifelong Delaware resident and a University of Delaware alumnus. He lives in the Forty Acres neighborhood in Wilmington with his wife.

 

 

 

 

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It’s holiday time again. Have you got that Liberty feeling?

family driving in car with seat belt fastened

ONCE again, summer is here with a vengeance. Temperatures soar and with the influx of tourists, you have to keep your wits about you at all times when driving. Holiday-makers who rent a car, may also be driving on the opposite side of the road to their home country, like the British, so you need to be extra vigilant and try to anticipate their possible mistakes.

One very common incident happens on roundabouts where drivers take the wrong lane. For example, if you want to carry straight on then it’s best to take the outside lane, and if you intend to turn left, take the inside lane. What many people do, is take the outside lane with the intention of turning left but the driver on the inside lane who is going straight on, has to be very careful to avoid a collision with the vehicle going all the way round.

Aside from the inevitable increase in traffic accidents with the huge influx of tourists from around the world, you need to make sure your car is up to scratch too.

For example, always make sure that your tyre pressures are correct by checking them at least once a month especially as road surfaces become very hot indeed and will affect the pressures. Needless to say, check the tyres too and make sure they are in good condition with enough tread. Also check the car’s radiator water level; the last thing you want is to overheat if you’re stuck in a queue and worse still have to wait for a breakdown truck. It’s also illegal to run out of screen-wash so keep this topped up. Driving with flip-flops or shoes without backs is not permitted either.  Obviously seat belts must be worn all round and children need safety harnesses. And stating the obvious too, mobile phones must not be used for speaking (unless using a built-in hands-free device) and definitely no texting!

If you do have an accident, remember the following:

Stay calm and use the reflective vest.

Use your vehicle’s emergency flashers and use two warning triangles at appropriate distances from the vehicle. Stay away from oncoming traffic.

Call 112 if necessary.

Take photos of the incident when safe to do so.

Get statements and contact information from any witnesses.

Complete the accident report forms.

If your car insurance is with Liberty Seguros, the Expats No.1 Choice in Spain, you can call their 24-hourhelp free phone number on 900 101 369, where you will be assisted in English for your convenience.

LIBERTY SEGUROS Car Insurance is tailor-made with you in mind and is perfect for expats in Spain. It offers total coverage to both the driver and passengers in case of an accident, as well as roadside assistance from kilometer zero. It also includes a courtesy car in case of accident, theft and even for breakdown, as standard cover.

Liberty Seguros brokers, with many years of experience, can give you in-depth information about the different policies on offer and advise you on the best cover to suit your family, be it in English, Spanish, German, Dutch or Scandinavian.

With LIBERTY SEGUROS you will always be in safe hands. With over 175,000 international clients and over 300 brokers, LIBERTY SEGUROS is the leading expatriate insurance provider in Spain, with a wide range of products to protect all that really matters.

So, call Liberty Seguros on 91 342 25 49 for further information, or visit: www.libertyexpatriates.es  to find out the name of your nearest broker.

Happy holidays!

A bipartisan prescription for fixing the Affordable Care Act (Sen. Chris Coons)

Americans continue to hear a lot of rhetoric — but not enough solutions — coming out of Washington about health care.

In an op-ed in the News Journal last month, I explained that I opposed the first version of the Senate Trumpcare bill because it would have forced tens of millions of Americans off of their insurance and lowered the quality of coverage for many millions more — all to pay for a tax cut for the wealthiest Americans. The “revised” versions weren’t any better, which is why early Friday morning the Senate Trumpcare bill failed, with opposition from both Republicans and Democrats.

Related: Read about how Delaware’s delegation reacted to the big health care vote

My opposition to these bills, though, was not rooted in partisanship. As I’ve been saying for years, the Affordable Care Act (ACA) isn’t perfect.

Small businesses that want to offer health insurance for their employees have struggled to find affordable options. Some deductibles or premiums are higher than folks would like, in part because of a lack of competition in the market.

I’ve also heard from economists and budget forecasters who know our fiscal health depends on doing even more to control rising health care costs.

Instead of continuing the partisan back-and-forth that won’t get us anywhere, I’d like to outline a series of revisions to the Affordable Care Act that will give individuals and small businesses greater access to more affordable, more accessible, and higher-quality care. Many of these ideas already have bipartisan support in Congress.

The first question we need to address is why insurance hasn’t been as affordable for many individuals as we’d hoped. A lack of competition in the marketplace (which particularly affects smaller states like Delaware) and a climate of uncertainty surrounding the future of the ACA are both to blame.

To help bring prices down, I’m a cosponsor of a bill led by Delaware’s senior Senator, Tom Carper, and our colleague, Sen. Tim Kaine of Virginia. This bill, the Individual Health Insurance Marketplace Improvement Act, would create a permanent reinsurance program for the individual health insurance market, bringing more certainty to the marketplace.

That translates into lower premiums for consumers. It’s similar to the successful program used to lower premiums and spur competition in the Medicare Part D program.

We also have to make the Affordable Care Act work better for small businesses. Last year, I introduced the Small Business Tax Credit Accessibility Act to expand and simplify the ACA’s small business tax credit. The bill would have made the credit available to more employers for a longer period of time.

I’ve also been proud to cosponsor a bipartisan bill in the Senate that would direct the Treasury Department to make the small business reporting requirements more workable and less burdensome for employers.

In the coming weeks, I’ll introduce a bill that would incentivize insurance companies to stay in states with only one dominant insurer (such as Delaware) and encourage other insurers to come into the marketplace and provide more competition. I recently held a Facebook town hall and heard from many constituents who want to see more competition in Delaware’s health insurance marketplace. This proposal would be an important step toward that goal.

More generally, Congress should also look at ways to make the ACA’s tax credits more generous so that more families are eligible and aren’t caught in a situation where they make too much to qualify for tax credits but not enough to afford comprehensive health insurance.

We need to take a broader look at what’s driving up health care costs in the United States. Why, exactly, is health care so expensive here?

There’s no reason that the same procedure should cost $500 at one hospital but $5,000 at another. We have to take a serious look at the costs of prescription drugs and make sure that some bad actors aren’t engaged in price gouging.

We have to reform our health care system to make sure that costs are directly tied to the value of the service, rather than the number of procedures. No matter how perfect a health insurance system appears on paper, if costs are still going up, we haven’t yet found the solution.

For those who don’t believe Republicans and Democrats are capable of working together to improve the Affordable Care Act, I have proof that it can be done.

In 2011, in the face of opposition from the administration, numerous advocacy groups, and even some of our colleagues in Congress, I worked with Sen. Carper, Republican Sens. Pat Toomey of Pennsylvania and Marco Rubio of Florida, and our colleagues in the House (including Delaware’s now-Governor John Carney) to write, pass, and get signed into law a revision to the ACA to clarify how the law applies to expatriate health insurance plans.

This bipartisan fix made sure that U.S.-based expatriate insurance carriers can compete on a level playing field with their foreign competitors and that American jobs stay here in the United States. This law saved 500 jobs in Delaware alone.

Crafting a health care system that works for all Americans is no easy task. But the Affordable Care Act provides a solid foundation from which Republicans and Democrats should be able to find common ground. The ideas I’ve outlined offer a great place to start.

Neither party has a monopoly on good ideas. Let’s find constructive ways to expand coverage and lower costs. Let’s make health care coverage more affordable by making subsidies for middle-income families more generous.

Let’s simplify and increase the small business tax credit under the ACA. Let’s increase marketplace competition, especially in small states like Delaware. Let’s make common sense regulatory reforms and cost containment efforts to further slow the growth in health care costs.

On each of these areas, I’m going to keep looking for Republican partners willing to sit down at the negotiating table and get to work on improving the Affordable Care Act. As my friend John McCain urged in a moving speech on the Senate floor on Tuesday, let’s come together with ideas from both sides.

Let’s hold hearings and have a real debate on the Senate floor. If we do, as Senator McCain said, we’ll find our way to “pass something that will be imperfect, full of compromises, and not very pleasing to implacable partisans on either side, but that might provide workable solutions to problems Americans are struggling with today.”

Senator McCain is, once again, exactly right.

Chris Coons represents Delaware in the United States Senate.

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