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Cool Reception for New Sign-Up Window Under Health Care Law

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In his Nov. 12, 2014 file photo, the HealthCare.gov website, where people can buy health insurance, on a laptop screen, shown in Portland, Ore. Being uninsured in America will cost you more in 2015. In 2015, all taxpayers have to report to the Internal Revenue Service for the first time whether or not they had health insurance the previous year. Most will check a box. It’s also when the IRS starts collecting fines from some uninsured people, and deciding if others qualify for exemptions.  (AP Photo/Don Ryan, File)

In his Nov. 12, 2014 file photo, the HealthCare.gov website, where people can buy health insurance, on a laptop screen, shown in Portland, Ore.  (AP Photo/Don Ryan, File)

Ricardo Alonso-Zaldivar, ASSOCIATED PRESS

 
WASHINGTON (AP) — Several million people hit with new federal fines for going without health insurance will get a second chance to sign up starting Sunday, and that could ease the sting of rising penalties for being uninsured.

But as the enrollment window reopens, it’s unclear how many know about the time-limited opportunity, let alone will take advantage of it.

Fines payable to the IRS are the stick behind the offer of taxpayer-subsidized private insurance under President Barack Obama’s health care law. Virtually everyone in the country is now required to have coverage through an employer or a government program, or by buying individual policies.

This is the first year fines are being collected from uninsured people the government deems able to afford coverage. Tax preparation company H&R Block says the penalty averages about $170 among its affected customers. It usually is deducted from a person’s tax refund.

Those penalized are mainly the kind of people the law was intended to help: low- and middle-income workers who do not have coverage on the job or are self-employed. Roughly 4 million people are expected to pay fines, according to congressional estimates. Many more will qualify for exemptions.

Travel agent Charles Baxter of Phoenix said his tax refund was reduced by $247 for being uninsured in 2014. He had not heard about the second chance to sign up for 2015 coverage.

Baxter says he will take another look now, but is not sure whether he will opt to buy insurance. Much of his income goes to help take care of his mother, who has health problems.

“I may have to see if any of the health care costs have changed, to where I might be able to squeeze it in,” he said. “But so far, it’s not looking like it.”

Baxter supports the overall goals of the health law, but says the government should also look at someone’s expenses — not just income — before assessing the fine.

Penalties for being uninsured are going up this year, to a minimum of $325 for the full 12 months. That’s a significant increase from the $95 minimum in 2014.

The new sign-up opportunity runs through April 30. To qualify, individuals have to certify to the government that they meet certain conditions, including:

—They did not know or understand that they were legally required to have coverage until after open enrollment officially ended Feb. 15.

—They owed a penalty for being uninsured in 2014.

Those requirements are for the 37 states served by the federal HealthCare.gov website. States running their own insurance exchanges may have different rules and deadlines. Penalties for 2014 are not refundable.

The Obama administration acted after Democratic lawmakers raised concerns. With open enrollment officially over, someone who was uninsured and filed a tax return after Feb. 15 would not have been able to get coverage for 2015. That person would owe the penalty for 2014 and could get locked into a bigger fine for 2015.

“Most people can assume that whatever they paid this year, next year they will pay twice that much or more,” said Rep. Lloyd Doggett, D-Texas. “Why pay what is in essence a penalty, when you can be applying those dollars to protect your family?”

The administration is publicizing the special sign-up period as tax filing season continues. For customers who paid a fine, major tax preparation companies are notifying them about the second chance to get coverage.

Tax preparers and some public policy experts have urged the government to move the health care law’s sign-up period so it dovetails with tax-filing season. People expecting a refund might be willing to spend some of it on health insurance.

Mark Ciaramitaro, vice president of health care services at H&R Block, said the penalty is definitely getting taxpayers’ attention. “It’s a surprise,” he said. “For some people, it’s having significant effects.”

Cari Gerrits of Atlanta was uninsured for part of last year when she was between jobs, and her penalty ended up being $191. She has coverage now through her job in marketing and business development for an engineering company.

“I’m supportive of having a baseline of care for everybody,” she said. “But the marrying of a very complicated medical law with an already confusing tax law has probably not made it as popular as it could be.”

Jesse Bracewell of Huntsville, Alabama, was uninsured last year because he could not fit premiums into his budget as a college student finishing an engineering degree. He paid a penalty of $95. This year, he signed up to avoid rising fines.

“That penalty set me back about three weeks’ worth of gas,” Bracewell said.

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Associated Press Social Media Editor Eric Carvin contributed to this report.

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Online: https://www.healthcare.gov/
Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Business

Oakland Children’s Hospital Workers and Patients Rally for Pediatric Medical Care

OAKLAND POST — “Children who go through a bone marrow transplant are immunocompromised, meaning that their immune system has been wiped out,” and having to take public transport to San Francisco exposes patients to the risk of getting a dangerous infection, said Paola Portillo, a social worker.

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Staff and family members of patients at UCSF Benioff Children's Hospital Oakland in Oakland, Calif., hold signs during a rally on Thursday, July 9, 2026. Rally participants protested the relocation of specialized care clinics to the hospital's San Francisco campus. Photo by Kayla Chan/Bay City News.

Staff, patients’ families, and supporters held a rally recently at UCSF Benioff Children’s Hospital in Oakland to protest the hospital’s decision to relocate specialized treatment clinics to San Francisco.

Protesters said the move is creating barriers for patients to access care and raised concerns over whether the hospital was appropriately using funds partially designated for pediatric services.

In response, hospital officials say they are concentrating resources for highly specialized procedures so patients can receive the highest quality of care.

One of the speakers at the rally, Paola Portillo, a social worker, said the hospital started transferring the clinics a year ago when UCSF Health integrated with the Children’s Hospital Oakland, located at 747 52nd St. in North Oakland.

According to Portillo, patients who need bone marrow treatments and interventional radiology are forced to travel to UCSF Benioff Children’s Hospital in San Francisco, which can be dangerous, she said.

“Children who go through a bone marrow transplant are immunocompromised, meaning that their immune system has been wiped out,” and having to take public transport to San Francisco exposes patients to the risk of getting a dangerous infection, she said.

UCSF spokesperson Kristen Bole says the move improves the hospital’s quality of care, giving bone marrow treatment (BMT) as an example.

“Inpatient BMT is a highly complex service where patient volume, specialized infrastructure, faculty coverage and 24/7 support are essential,” she said in a statement. “Concentrating non-gene therapy inpatient BMT care at Mission Bay allows us to provide the safest and most sustainable model for patients and families.”

Hospital officials also emphasized that moving care was not a one-way street. Beginning this month, patients admitted for rehabilitative treatment have been directed to the children’s hospital in Oakland, Bole said.

Speakers at the rally also claimed UCSF has not been transparent about how it has allocated funding from 2020’s Measure C, a measure that created a half-percent sales tax that partially funded pediatric health care at the children’s hospital.

“The community fought so hard for Measure C because every child deserves access to lifesaving, pediatric, high-quality care right here in Oakland,” said Agnes Cho, a policy advisor speaking on behalf of Alameda County Supervisor Nikki Fortunato Bas. “The funding should go towards strengthening care for children right here in Oakland.”

Protesters also said UCSF’s $3.3 billion endowment has been misused. Last October, the University Professional & Technical Employees union published a report on the University of California’s spending, which highlighted projects such as the $4.3 billion UCSF Helen Diller Medical Center at Parnassus Heights.

“What I have a problem with is saying the kids from the East Bay have to go to San Francisco to get care, so that UC can build a fancy hospital for its richest patients in San Francisco,” said union President Dan Russell.

The UCSF spokesperson said UCSF has been investing in its Oakland campus, explaining that upgrades that are expected to be completed in 2030 at a cost of $1.6 billion.

“Oakland is central to our pediatric health system, and we are making the largest investment in the campus’ history,” the spokeswoman said. “We do not make investments of this scale in a campus, workforce or community we plan to leave behind.”

This article includes coverage from Bay City News Service and media releases.

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Commentary

NPRC to Meet with California Attorney General’s Office on to Urge Guardianship Reform

OAKLAND POST — Black has been a professor of law and finance at Northwestern University and Northwestern Pritzker School of Law since 2010. Before joining Northwestern, he served on the faculties of Stanford University, Columbia University, and the University of Texas at Austin, earning international recognition as one of America’s foremost empirical legal scholars.

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Bernard ‘Bernie’ Black. Courtesy photo.

The National Probate Reform Coalition (NPRC) has announced that Bernard ‘Bernie’ Black, a nationally respected legal scholar, will meet with California Assistant Attorney General Eleanor Blume on July 27 to discuss the urgent need for guardianship, conservatorship, and probate reform.

The meeting marks another important step in NPRC’s effort to encourage California’s governor and attorney general to take a leadership role in addressing systemic abuse, financial exploitation, and the lack of meaningful oversight within probate and guardianship courts.

Black has been a professor of law and finance at Northwestern University and Northwestern Pritzker School of Law since 2010. Before joining Northwestern, he served on the faculties of Stanford University, Columbia University, and the University of Texas at Austin, earning international recognition as one of America’s foremost empirical legal scholars.

Despite his legal expertise, Black says neither his knowledge nor his professional reputation protected his family from what he describes as a deeply flawed guardianship system.

Following the death of his mother in 2012, Black’s sister, Joanne, who had lived with schizophrenia for more than 35 years, became the beneficiary of approximately two-thirds of their mother’s $4 million estate through a special needs trust established to provide for her lifetime care.

Seeking to preserve his mother’s estate plan and protect Joanne’s eligibility for public benefits, Black petitioned the Denver Probate Court for a temporary conservatorship and requested judicial approval for actions necessary to preserve assets. According to Black, the case initially appeared to proceed appropriately. Both the court-appointed counsel and a guardian ad litem supported his proposed conservatorship plan.

Black says the case later took a dramatically different turn.

According to Black, court-appointed professionals used family disagreements to seize control of the family trusts. What followed was 12 years of litigation and 96 probate court decisions, resulting in millions of dollars in professional fees.

Black says repeated settlement proposals intended to preserve assets for his sister’s benefit were rejected. He also strongly disputes adverse findings made by the probate court against him, his wife, and his son, arguing the court lacked jurisdiction over members of his family. Appeals were unsuccessful, reinforcing his concern that probate courts exercise extraordinary discretion with insufficient oversight.

Joanne Black passed away on Aug. 14, 2025. Black contends that millions of dollars that should have benefited his sister and preserved his family’s legacy have instead been consumed by litigation and administrative expenses. He continues to fight efforts to deplete the remaining family trusts.

“My sister has died, yet the Denver Probate Court and the guardianship professionals are still pursuing what is left of our family’s money,” Black said. “I’m talking millions of dollars.”

Black believes his family’s experience demonstrates that even experienced attorneys can become overwhelmed by a probate system that often lacks transparency and accountability.

Joining Black at the July 27 meeting will be Rick Black, founder of the Center for Estate Administration Reform (CEAR), who will present his organization’s proposed Victims’ Bill of Rights for individuals and families involved in probate and guardianship proceedings.

Together with the NPRC, they will urge the Attorney General’s Office to investigate fraud, financial exploitation, and predatory practices while aggressively enforcing existing laws that protect elders, disabled adults, and vulnerable families.

NPRC asserts California’s Attorney General, as the state’s chief law enforcement officer, has both the authority and responsibility to investigate fraud, public corruption, and financial exploitation occurring within probate courts.

The Coalition also hopes California will lead a national initiative by working with attorneys general across the country to develop coordinated enforcement strategies and meaningful reforms that restore integrity, transparency, and accountability to probate courts nationwide.

Bernard Black’s experience echoes hundreds of similar stories documented by probate reform advocates throughout the nation. His message to the Attorney General is both simple and sobering:

“If this can happen to one of America’s most respected law professors, it can happen to anyone.”

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Business

Mount Zion MBC, Church of Jesus Christ of Latter-day Saints Partner to Bring 29,000 Meals to Alameda County

OAKLAND POST — A semi-truckload of food arrived at MZMBC in Oakland on Tuesday, July 21. This was one of 250 trucks the LDS church is sending throughout the United States. By the end of the year 10 million pounds of food will be donated. Each truck carries approximately 40,000 pounds of shelf-stable pantry staples that can feed 1,400 families for one week.

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Pastor Michael Wallace of Mt. Zion Missionary Baptist Church (center) and David Kimball, president of the Oakland Stake of the LDS church listen to remarks before volunteers began their work. “We are grateful to partner with these organizations to help care for those in need in our community,” Kimball later told the assembled volunteers. Courtesy photo.

The interfaith community effort commemorates the 250th anniversary of the U.S.

More than 29,000 meals were received and distributed at the historic Mount Zion Missionary Baptist Church in West Oakland as part of an interfaith community effort to commemorate the 250th anniversary of the United States.

The Alameda County Community Food Bank (ACCFB), Mt. Zion Missionary Baptist Church (MZMBC), and the Church of Jesus Christ of Latter-day Saints (LDS) partnered to address food insecurity throughout Alameda County.

A semi-truckload of food arrived at MZMBC in Oakland on Tuesday, July 21. This was one of 250 trucks the LDS church is sending throughout the United States. By the end of the year 10 million pounds of food will be donated. Each truck carries approximately 40,000 pounds of shelf-stable pantry staples that can feed 1,400 families for one week.

Pastor Michael Wallace of Mt. Zion Missionary Baptist Church provides instruction as volunteers unpack pallets of food to be distributed. “We believe that having food is a basic human right and to address it is our Christian duty,” Wallace said. “That’s what makes this partnership so meaningful.” Courtesy photo.
Pastor Michael Wallace of Mt. Zion Missionary Baptist Church provides instruction as volunteers unpack pallets of food to be distributed. “We believe that having food is a basic human right and to address it is our Christian duty,” Wallace said. “That’s what makes this partnership so meaningful.” Courtesy photo.

The need for food is significant. According to the ACCFB, 1 in 4 members of the community they serve is experiencing or at risk of hunger.

“The challenges get much harder during the summer when children no longer have access to healthy meals at school,” says Regi Young, executive director of Alameda County Community Food Bank. “Our community and our food bank face similar challenges accessing some of the highest quality and high demand foods because they are typically also the most expensive.

Oakland Mayor Barbara Lee speaks at the JustServe event.
Oakland Mayor Barbara Lee speaks at the JustServe event.

“Fresh milk is among the top items on these lists, so we are extremely grateful for this donation to help more families stretch their budgets and get through these challenging summer months,” Young said.

Two days later, on July 23, another semi-truck, this one bearing fresh milk from the LDS church, arrived at the ACCFB.
Event organizers share a commitment to caring for those in need and fostering meaningful service connections within communities.

“After 250 years, there is still food insecurity in America, and this is an interfaith community effort to eradicate hunger in our communities and cities,” said Pastor Michael Wallace of Mount Zion. “We believe that having food is a basic human right and to address it is our Christian duty. That’s what makes this partnership so meaningful.”

“Members of the Church of Jesus Christ of Latter-day Saints believe in following the Savior’s commandments to love God and to love our neighbor,” says David Kimball, president of the Oakland Stake of the LDS church. “We are grateful to partner with these organizations to help care for those in need in our community.”

Word Assembly First Lady Denise Clark, left, joined Mt. Zion Missionary Baptist Church First Lady Velma Wallace at the food distribution site, where the first of the 250 truckloads of food LDS will provide to places across the country was distributed. Courtesy photo.
Word Assembly First Lady Denise Clark, left, joined Mt. Zion Missionary Baptist Church First Lady Velma Wallace at the food distribution site, where the first of the 250 truckloads of food LDS will provide to places across the country was distributed. Courtesy photo.

Welcoming the truck’s arrival at 10 a.m. at MZMBC were Kimball, Young, Wallace of MZMBC, and civil rights activist and Post News Group Publisher Paul Cobb. Oakland Mayor Barbara Lee was in attendance and addressed the hundreds of volunteers. Inspiring music was provided by members of the Oakland Interfaith Gospel Choir under the leadership of Terrance Kelly.

Teens from both churches were on hand to assist with loading food items for various local nonprofits and community groups to distribute to those in need. The teens also assembled 1,000 hygiene kits for the unhoused. Each kit will include a note of encouragement written by the children and youth of each church.
The churches and organizations that received food include:

  • Mt. Zion Missionary Baptist Church
  • ECAP (Emeryville Citizens Assistance Program)
  • Support Life Foundation/Islamic Cultural Center of Northern California (ICCNC)
  • Serenity House
  • CRECE (Central American Refugee Committee)
  • ION (Impact Oakland Now -Word Assembly, Center of Hope and Abyssinian Baptist Church)
  • True Faith Baptist Church (East Oakland)

“These two large shipments of food and milk, along with this interfaith, community event, exemplify the spirit of volunteerism and community service that this country was built on,” says Gregg Ankenman, assistant director of Community Service for the Oakland/San Francisco Communication Council of the LDS Church.

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