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Business & Marketing
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English (U.S.)
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Topic:

Risk Management

Essay Instructions:

here is the link to the source http://boss(dot)blogs(dot)nytimes(dot)com/2014/02/25/why-most-small-business-owners-will-see-premiums-rise-under-a-c-a/?gwh=BAA7473F67AD197B57F71FF4C46CE64A&gwt=pay it is an article in NYT here is more info: "Why Most Small-Business Owners See Premiums Rise Under A.C.A", by Robb Mandelbaum, Feb,25,2014

 

NYT Abstract Extra Credit Project   Spring 2014 RM 302

 

This project is designed to demonstrate how the concepts discussed in RM 302 apply to a wide range of current events happening in the world today.  Students can earn up to six points in extra credit by writing an abstract on an article published since January 1, 2014 in the New York Times that focuses on an issue discussed in class.  (An abstract is a short summary of an article, often found before a longer academic or technical article.)  The following items must be included in the abstract:

  1. Full title of article, including author and a complete reference to the publication and its publication date.
  2. Brief description of the problem requiring a risk management solution.  Ideally, this description should include some measure of the potential severity of the risk in question.  (If you can offer some idea of the frequency of the loss, all the better, but such information is not required since it usually more difficult to get.)
  3. Identification of the risk handling technique(s) best suited to treatment of the problem.  Please keep in mind that most risk management problems are treated with more than one technique.
  4. A “key word index” that references how the article is pertinent to the concepts discussed in the RM 302 textbook should also be provided.  The abstract should provide a list of key terms discussed in the textbook that are pertinent to the article.  The index should list the specific page numbers in the text that discuss the key term.

 

Students should register their articles in Angel by listing the complete citation for the article in the subject heading of a posting to the discussion forum titled “LIST OF NYT ARTICLES RESERVED BY STUDENTS”. This discussion forum can be found in the Angel folder titled “Extra Credit NYT (New York Times) Project”.  If more than one student tries to use the same article, the student who listed the article at the earliest time in the forum (based on the time and date stamp of the posting) will be granted the right to use the article.   The length of the article reviewed by the student must be at least 500 words.  Do not use NYT blog articles, only articles included in the print version of the NYT.

The abstract can be no longer than 100 words (this count does not include the words found in items 1 and 4 in the above numbered list).  Students should submit the abstract electronically into the NYT Abstract drop box AND provide the instructor a hard copy version of the abstract.  The electronic submission should also include an attachment that includes a copy of the article.  Only one submission per student is permitted.  Be sure to provide your best work on the submission, as no re-grades will be available.

 

The abstract will be graded competitively to all other abstracts submitted by the class.  The abstract will be graded on grammar, relevance to the material covered in class, adherence to the guidelines of this project description, and for the depth of its summary within the constraints of a 100 word limit. 

 

The deadline for submitting an abstract is Tuesday April 8, 2014.

Essay Sample Content Preview:
Risk Management
Student:
Professor:
Course title:
Date:
Madelbaum, Robb. February 25, 2014. Why Most Small-Business Owners Will See Premiums Rise Under A.C.A. The New York Times
The problem requiring a risk management solution: A recent report from the national government that affirms more small employers would see premiums rise rather than drop under the Affordable Care Act (ACA) seems to have put the administration of President Obama on the defensive once more. The ACA prohibits premium discrimination basing upon a firm’s industry, gender and health status of its staff, or the size of its group. It also restricts variation of premium basing on age. The report presumes that when all these regulations take effect, every small company and their staff would pay basically similar rates.
In the interim, the agency has estimated that presently, under the rules of today, â…” of small employers pay premiums which are lower that the average rate and â…“ are paying premiums that are above-average. As such, under an ACA that is totally in place, â…” would see their premiums increase, and â…“ would see their premiums drop. It has long been known that under ACA, some individuals will pay more for health insurance while others would pay less. The interesting thing is the twist: why is it that â…” of workers and employers, as per the study, have paid premiums that are below average, and why is it not closer to 50/50? As said by the report, the answer is that under the previous system, employers that paid lower premiums because their workers had smaller health risks had a higher likelihood of offering health insurance in the first place. The most costly companies are too costly, whilst the cheaper ones are not that mu...
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