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Philly anti-Israel groups plan boycott of Jewish businesses before Kristallnacht anniversary
The graphic explicitly singles out several dining locations in the city, displaying crossed-out warning icons over the names Mac Mart, K'Far Cafe, Huda, Goldie, Dizengoff, and Schlesinger's.
Jack Fox wins NFC special teams player of the week
CU Anschutz Researchers Evaluate NIH Effort to Connect Research Data
CU Anschutz researchers play a major role in evaluating research data from 18 programs to help scientists uncover relationships across studies and make better use of existing research. AURORA, Colo., Nov. 4, 2026 — Scientists generate vast amounts of research data, but connecting information across studies can be difficult. The NIH Common Fund Data Ecosystem […]
God of War Laufey Delayed to May 2027
God of War Laufey will no longer be released in February, as Sony Santa Monica has pushed it back to May 2027.
U.K. Culture Secretary Scrutinizing Comcast-Owned Sky's Acquisition of ITV Media & Entertainment
U.K. Culture Secretary Lisa Nandy Nov. 4 disclosed that she will look into Comcast-owned Sky’s $2.15 billion acquisition of ITV’s Media & Entertainment, which includes its free-to-air channels and the ITVX streaming platform. In a statement, Nandy, who most-recently conducted an 11th hour investigation of Paramount’s $111 billion merger with Warner Bros. Discovery, says she … Continue reading "U.K. Culture Secretary Scrutinizing Comcast-Owned Sky’s Acquisition of ITV Media & Entertainment"
Tee Higgins named the AFC offensive player of the week
Prop. 40's failure points to the tax California already pays for its wealth: Politics overrun by money
The playbook for defeating the the billionaire tax was simple: Stoke economic fears and confuse Californians.
Patriots News: Defense must play clean, force punts vs. Packers
Daily news and links for Wednesday, 11/04/26
Warriors no longer paying Kristaps Porzingis amid health issue saga
Kristaps Porzingis has yet to play or practice with the Warriors this season due to health issues.
What We Learned About College Football in Week 9
Ohio State Might be in Trouble It’s hard to imagine Ohio State being left out of the playoff picture, but it may just happen. The Buckeyes seemed to be about as much of a lock as you could find, as a program that has consistently played at or near a championship level and always seems […]
Anti-Transgender Political Rhetoric Played an Outsized Role in the 2026 U.S. Midterm Elections
Your Support Saves LGBTQ+Youth's Lives Every DayDonate94% of transgender and nonbinary youth said recent anti-LGBTQ+ politics caused stress or anxiety, […]
Texas high school football playoffs: Dates, brackets, schedule
When do the 2026 Texas high school football playoffs begin? Here's when brackets are released, the first-round schedule and state championship dates.
Paul Finebaum calls first College Football Playoff rankings ‘discombobulated’
ESPN's Paul Finebaum went after the latest CFP rankings on Wednesday.
NFL Injury Report, Week 9: Latest news, updates on Bhayshul Tuten, Breece Hall, more players for fantasy football
'Spider-Man: Brand New Day' Remains Atop Weekly U.K. Home Entertainment Sales Chart
Sony’s Spider-Man: Brand New Day remained atop of the Official Film Chart, the weekly U.K. home entertainment sales chart through Nov. 4, in its fourth week in the Top 10. Warner’s sci-fi thriller The End of Oak Street, starring Anne Hathaway and Ewan McGregor, leapfrogged 10 spots to No. 2 in its seventh week, followed … Continue reading "‘Spider-Man: Brand New Day’ Remains Atop Weekly U.K. Home Entertainment Sales Chart"
I was afraid of layoffs. So I started my own company.
Erika Sinner grew up in poverty in Missouri before starting as a receptionist and building a $13 million pharmaceutical marketing firm.
Week 9 fantasy football rankings: Top 150 Flex players
College Football Playoff rankings: Miami leads first rankings of 2026; Notre Dame, Ohio State outside top 10
Numbers To Know Ahead Of Iowa Football's Clash At Northwestern
The Wildcats give up a lot of yards, but they have been one of the best red zone defenses in the conference. That could play a factor on Saturday.
The Big Ten College Football Playoff Picture: Week 10
The Big Ten is beating itself up and isn't being rewarded as another conference may or may not does. Either way, the CFP rankings are here!
Kyle Whittingham gives encouraging updates on key injuries
A pair of key defensive players, kicking questions, and plenty of Tommy Carr on the latest Inside Michigan Football radio show with Kyle Whittingham:
3 players the Titans should try trading before the deadline
Identifying three players the Tennessee Titans should try trading before the NFL trade deadline (Nov. 10)
Essentia Health supports new playground at Clinton-Graceville-Beardsley elementary school
Clinton-Graceville-Beardsley (CGB) Schools was excited to show off the new playground at its elementary school during a Sept. 21 open house, and is grateful for a $20,000 contribution from Essentia Health that went toward the purchase of new equipment, supporting a safe and active space for the district’s youngest students.
Breaking Down Penn State Offense Improvement
The Penn State offense has struggled since the beginning of Big Ten play at the end of September. The Nittany Lions didn't score more than 23 points in their last four games; that was until Saturday's 31-17 victory over Purdue. It was a refreshing showing from Taylor Mouser's group. The ground game looked competent, the …
Age may influence links between psychedelic use and mental health
Age could play an important role in how psychedelic use relates to mental health, according to new research from the Department of Psychology at Durham University. Researchers found that adults with a ...
Marlins Prospect Discusses Playing in Fall League
One of the Marlins on the move is outfielder Dillon Lewis, who is working back to form following an injury
No. 15 Texas Tech Faces Must-Win Test Against West Virginia
No. 15 Texas Tech hosts West Virginia Saturday with its College Football Playoff hopes on the line. Injuries and quarterback questions add to the pressure.
Apple's first touchscreen MacBook comes at a price
Apple's first touchscreen MacBook Pro starts at $2,899 with a PROLED XDR OLED display, but the non-touch M6 model costs $900 less at $1,999.
NBA sits out Election Day yet again while other sports leagues go about business as usual
The NBA's "Get In The Game. VOTE." campaign saw all 30 teams sit out Tuesday's midterm election as players wore vote shirts at Monday's games.
NFl draft order: Arizona Cardinals fall out of top 10
The Cardinals won on Sunday. Now they aren't in the playoff picture and don't have a top-10 pick in the draft.
The business of winning: Owners from the 8 NWSL playoff teams share their keys to success
Down to Business with Asli Pelit takes you through the exciting, fast-paced (and sometimes confusing) corporate side of women's soccer.
St. Monica High reaches flag football final in inaugural season
St. Monica put together its girls' flag football program for this season and they'll be playing for the Southern Section Division 6 championship.
Alabama's College Football Playoff ranking creates major Tennessee controversy
Alabama has two losses and already fell to Tennessee, yet the Crimson Tide opened fifth in the College Football Playoff rankings while the Volunteers landed 13th.
“Embarrassing for the Committee Tonight”: Fans Aren’t Buying CFP Chairman’s Reasoning as Notre Dame Gets #11 Ranking
Notre Dame’s No. 11 position in the first College Football Playoff rankings has sparked a debate, with fans questioning the selection committee’s reasoning.
A blue tsunami wipes out Republicans
Jonathan Freedland and Shrai Popat run through the results of the US midterms, on a historic night for Democrats and a night to forget for Republicans
How Anthony Ippolito talked his way into playing Sylvester Stallone in 'I Play Rocky'
Anthony Ippolito took a bold step to land the starring role in “I Play Rocky.” | WBBM Newsradio 780 AM & 105.9 FM
How Anthony Ippolito Talked His Way Into Playing Sylvester Stallone in 'I Play Rocky'
Anthony Ippolito saw the opportunity of a lifetime when he learned that Oscar-winning director Peter Farrelly was developing a film about Sylvester Stallone’s determination to write and star in the original “Rocky.” There was just one problem: Nobody had asked him to audition for “I Play Rocky.”
Jack Williams makes his TSSAA football first round playoff predictions
Tennessean high school sports reporter Jack Williams makes his predictions for the top TSSAA football games in the first round of the playoffs.
Why big mergers aren’t in Inova’s playbook
Inova President and CEO Dr. J. Stephen Jones outlined the system's growth plans and capital project strategy.
Chiefs News: Kingsley Suamataia is playing his part
The latest Chiefs news, brought fresh to you every morning!
Pens Points: Penguins blow another one with late-game collapse
Here are your Pens Points for this Wednesday morning… The Pittsburgh Penguins fell 3-2 to the Vegas Golden Knights on Tuesday night after special-teams struggles cost them another game, as they failed to capitalize on key power-play opportunities, including a lengthy two-man advantage in the third period. [Recap] NHL Commissioner Gary Bettman said he is […]
How a scientist went from hero to traitor in a US water crisis
When the water in Flint, Michigan, became contaminated with dangerous levels of lead, Dr Siddhartha Roy, then a third year PhD student, was part of the team of scientists who publicly contradicted state and federal claims that it was safe. He became a local hero until a new piece of research challenged the idea that children in Flint had been left permanently brain damaged by the crisis. His adherence to the evidence, no matter who it offended, has earned him the 2026 Maddox prize, which recognises individuals who stand up for science and evidence, despite challenges or hostility. He tells Ian Sample how he reflects on his experience in Flint, and why he lost friends as a result of his work there
Quinn to exhibit photography at Blackstone River Theatre
CUMBERLAND – Blackstone River Theatre’s Art Gallery will host an exhibit and sale of concert photography by Kerry Quinn on display through Dec. 20, viewable two hours before and during
Title-chasing McIlroy says there's no risk playing in Abu Dhabi amid tensions in Middle East
Rory McIlroy has played down safety concerns about competing at the Abu Dhabi Championship this week amid tensions in the Middle East that have impacted the sports calendar in the region.
Business - Markets react with caution to Democrats' victory in US midterms
Berks Nature to Launch New Mental Health Effort
During the 18th annual State of the Environment Breakfast, Berks Nature will introduce the first tool in what the nonprofit envisions as a multidisciplinary community partnership to help local youth find peace, healing, and connection in nature: a map of Reading’s 50+ parks, playgrounds, and green spaces.
49ers Get Strong Message After Brandon Aiyuk Hires Drew Rosenhaus
After being away from the news cycle for a few months, San Francisco 49ers wideout Brandon Aiyuk is back after he hired Drew Rosenhaus to represent him. As a result, Aiyuk looks ready to return to playing football, but will that be with the Niners?Aiyuk will need to apply for reinstatement, given that he’s on […] The post 49ers Get Strong Message After Brandon Aiyuk Hires Drew Rosenhaus appeared first on HEAVY.
See Brevard County's high school football live scoreboard, Week 12
Five games comprise the Nov. 4-6 slate as three FHSAA teams make up games with three SSAA teams looking to advance in state playoffs.
Top Democrat’s message after midterm wins: ‘LAYWER UP.’
Dragon's Dogma 2 gets a timed collaboration with beloved anime and manga series Delicious in Dungeon, and it's out right now on PC, PlayStation and Xbox
The Dragon's Dogma 2: Dark Arisen collaboration brings in new allies and equipment for a limited time.
Sporting News' NFL midseason All-Pro team: 26 best players by position (so far) in 2026
Here's our All-Midseason team for the 2026 NFL season.
West Ham: Scott Parker returns to east London after 15 years to succeed Nuno Espirito Santo as Hammers head coach
Parker replaces Nuno Espirito Santo, who was sacked on November 3 after just over 13 months in charge; the 46-year-old returns to east London 15 years after leaving as a player; he has won promotion from the Sky Bet Championship on three occasions
Super 25 Massachusetts high school football rankings entering playoffs
Jason Snow, Chris McDaniel and Tim Whelan rank the top MIAA football teams every week of the season. This is the Super 25 entering the state playoffs.
Canada bars Russia & Belarus from junior tournament
Canada will not let ice hockey players from Russia or Belarus take part in the World Junior Championships next month.
Russell Wilson takes first step towards NC State coaching job after CBS move
Russell Wilson has interviewed for the vacant NC State head coaching job, just months after retiring from the NFL and joining CBS Sports as an analyst. The former Seattle Seahawks quarterback is now one of two high-profile candidates linked with the role, alongside Philip Rivers, who also played college football for the Wolfpack.
Girls' flag football: Tuesday's City Section playoffs scores
Check out Tuesday's girls' flag football scores.
Colorado measure banning transgender athletes from gendered sports is too close to call
Proposition 134 would prohibit athletes it defines as male from playing on female sports teams, though it provides exceptions for athletes it defined as female who want to play on boys teams
The Unlikeliest Democratic Win of All
Few thought South Carolina was really in play until it had already flipped.
UNM football is all about their business on the field as national buzz grows
ALBUQUERQUE, N.M. (KRQE) – It’s back to the road for the 22nd-ranked University of New Mexico Lobos football team. The Lobos are in a short week, playing the Nevada Wolfpack in Reno on Friday…
AFGHS co-signatory countries ask health care users to help fill the financing gap
Hundreds of thousands of Ugandans living with HIV on antiretrovirals could be targeted for user fees or community health insurance schemes requiring modest premium payments, according to the April 2026 version of the country’s America First Global Health Strategy implementation narrative.1 As part of the “sustainable financing for the private not for profit sector” strategy, 491 facilities will be targeted for a phased introduction of user fees and scale up of community health insurance programs.2 In the Ugandan context, PNFP facilities include faith-based hospitals and other health facilities, US missionary organizations and centers of excellence—services that are often co-located at government facilities but run with additional financial and technical resources. 402,000 people—or about 28 percent of the total Ugandan adult PLHIV population on treatment—get ART from the private not for profit sector. The selected facilities provide the majority of ART and prevention of mother to child transmission (PMTCT) services. The plan doesn’t give the total number of clients served by the 491 facilities, so it is not possible to give a precise number. But the majority of 402,000 is a figure in the hundreds of thousands—hence the estimate I’m using.3 The April draft of the Ugandan implementation plan narrative is the only one I’ve been able to review. But the government of Uganda is not alone in turning to health care users to help fill the financing gaps caused by the abrupt withdrawal of US funds. In July 2025, the Government of Liberia introduced user fees for previously free services including “registration, accommodation, patient feeding, hospitalization, and a wide range of surgical and diagnostic procedures.”4 Earlier that year, Liberia rolled out a revolving drug fund designed to stabilize drug supplies by “allowing patients to pay a small fee for standardized, quality medications,” according to a Ministry of Health press release.5 (Both of these approaches had been proposed in the National Health Policy 2022-2031; media coverage explicitly connects the launch with the US foreign aid cuts.) The health financing strategies proposed by Uganda and established in Liberia are qualitatively different from user fees officially adopted by specific health facilities to cover funding shortfalls caused by the new US approach.6 The latter is a stopgap, adhoc change. The former is a national governmental adoption of policies that pass costs on to health care users, despite evidence that such approaches can exacerbate inequities and leave deficits unfilled. Two countries does not make a pattern, but they do point to urgent questions: Have other countries, including Liberia, included user fees or community health insurance schemes in their implementation plans? If so, do any of these narratives have what Uganda’s lacks: a fall-back plan in place in case these strategies for sustainable health systems fail to deliver—as they have before? I wonder if you think about it Subscribe Predictable pitfalls Both community-based health insurance and user fees are as old as the hills. And after decades of people climbing up these hills, duking it out, climbing back down—neither strategy has shown the results the Ugandan implementation plan is counting on. This is, in fact, a hill some folks are willing to die on. (You knew I’d get there, right?) In November 2025, an African-led team of health system experts published a paper directed at low- and middle income country governments trying to figure out how to create self-sustaining health systems. The money wasn’t coming back. It had been more than nine months since the season of freezing, waivering and wood-chippering; two months since AFGHS tumbled into the world touting co-financing requirements and reductions in future US government health aid. Governments were looking for strategies for sustainable, self-financed health systems, the authors wrote. For countries considering user fees and community health insurance to fill the financing gaps, they had a simple message: Don’t. On user fees, the paper states: “Reliance on user fees is ultimately a regressive and inequitable approach. It places a disproportionate burden on the poor and undermines health system goals of equity and financial protection. […] There is overwhelming evidence that user fees mobilise very limited resources for the public health sector, making it an inefficient mechanism for revenue mobilisation.” On community health insurance: “Attempting to shift the burden of funding previously donor-funded services, such as HIV care and management, and TB treatment, onto contributory schemes would exacerbate their fragility and fail to protect the population.”7 The WHO says that community-based health insurance “cannot be expected to provide a major source of funding or coverage,” and noted that most schemes offer only moderate benefit to individuals paying into them, and exclude the poorest segment of the population.8 And yet, the US-Ugandan implementation plan says that community health insurance is “the central pillar of this [PNFP] sustainability strategy” and that this approach that will generate “pre-paid pooled funding at facility and community level [that] improves financial risk protection for households, reduces catastrophic out-of-pocket expenditure, and generates structured, transparent revenue streams that can progressively absorb recurrent costs including health worker salaries.” Unfortunately, Uganda’s own history suggests the pillar might not be able to bear this weight. Ugandans Have Been to this Rodeo Before—and Some Want Their Money Back Uganda introduced its first community health insurance scheme in 1996 with support from international donors.9 Thirty years later, somewhere between 0.2 and 0.3 percent of the population is covered by CHI; just over 1 percent has any kind of health insurance.10 User fees were universally introduced in 1993 as a condition of a World Bank loan.11 They were abandoned in 2001, and in 2004—the year I moved to Uganda to watch the free HIV program get underway—a definitive study found that the fees did not improve health systems and outcomes.12 In 2004, most clinics and hospitals had ‘free’ and ‘fee for service’ options for getting care.13 The fee for service, or “cash and carry” programs had often been established in the years prior to PEPFAR and the Global Fund to Fight AIDS, Tuberculosis and Malaria. People who could afford to paid for the drugs, often at facilities in the private-not-for-profit (PNFP) sector. When free drugs arrived, some people who’d been paying kept on doing so, perhaps because of shorter wait times, greater confidentiality, convenience or other factors. But in the year that I spent visiting the same clinics around the country week after week—including a “center of excellence” that maintained separate days for cash and carry clients and those accessing free ARVs—lots of people who had been paying tried to switch to the free option. They’d paid because they had no other choice. They’d sold pieces of family land, begged family members for loans, bought pills by the week, and sometimes by the day. Or they were just cash-strapped, like most of us, and wanted the funds for other things. 14 Twenty-two years later, this hasn’t changed. Ugandans pay out of pocket for 30-40 percent of their health care costs, leading one paper to declare that “falling ill is more than a health crisis. It is a financial emergency.”15 One recent study found that up to 48.5 percent of households dealing with tuberculosis sold something, took out a loan or dug into savings to defray the costs of TB care—which is supposed to be universally free.16 The Ugandan implementation plan does anticipate challenges. It proposes a phased approach, with 187 facilities introducing user contribution systems in Year 1, 152 in Year 2, and 153 in Year 3. Willingness to pay and feasibility studies will precede roll out; fees will be tiered by region, and a waiver system is proposed to ensure that no one has to pay who is unable to. Moreover, the plan provides for quarterly reviews of epidemiological data to “ensure that user contributions do not compromise epidemic control gains, ART continuity for the client cohort, TB case management, or PMTCT services.” Alt text: A screenshot of a table included in the implementation plan narrative that is the subject of this stack. It’s got a fetching pink bar at the top. It uses the abbreviation “CHI” which is Community Health Insurance, and FBO which is Faith Based Organizations, and it details the number of facilities that will implement user fees with waivers and community health insurance schemes over the five years of the agreement. As I said in the footnote, this is a super interesting document with a lot of other rich material. Tell me what you see—and what you would have focused on. And if you’ve seen something like this, or anything else that strikes you, in another implementation plan, tell me that too. You can use the Substack message platform or try me on Signal at @endaplague_again.25 (because @mercoonfan was, weirdly, taken). But the plan doesn’t fully explain what will happen if this approach doesn’t work out. Yes, progress will be monitored, and corrective action triggered. However, there is no specified funding replacement if premium and fee revenue prove inadequate. Instead, the authors write, “Currently, COEs serve a total client cohort of over 180,000 across 28 facilities. In the initial years, the U.S. Government (USG) will provide financial support for clients; over time, user fees generated by COEs will become the primary source of funding for sustaining their services.” Failure does not really seem to be an option. Health insurance schemes are more acceptable to the Ugandan population than user fees. Members of Parliament and civil society traveled to Ethiopia to see how that country’s scheme worked. In a follow up report, a veteran civil society group recommended allowing the “health insurance ecosystem to grow organically and [to] keep reviewing the law and regulations as this growth takes root.”17 One study found that more than three-quarters of Ugandans were willing to join a health insurance program.18 However, coverage of community-based health insurance is minimal, as is coverage of any kind of insurance—including private plans.19 A national health insurance scheme bill has been stalled for several years and presently sits with President Yoweri Museveni.20 Community-based health insurance scheme that do exist are expanding in number, but losing enrollees. Between 2022 and 2026, the number of community-based health financing schemes across the country increased by 42 percent, while the number of people enrolled decreased by nearly 11 percent.21 None of this means that community-based health insurance should not happen in Uganda—or that people do not want insurance. It doesn’t even mean that user fees and waivers won’t ever work. But there is highly relevant evidence from Uganda and the surrounding region that it is quite optimistic to describe community health insurance and user fees as central supports for sustainable financing in any sector of the health system. And now for the best-case scenario In the best-case scenario22, the Ugandan approach does exactly what it sets out to do, and so does the Liberian fee structure and revolving pharmacy fund—though I’ve not confirmed that these are in the MoU. In one best-case scenario, Uganda is an outlier, and user fees and community health insurance are not recurrent pillars of self-sustaining financing in other countries’ implementation plans. In another best-case scenario, all countries that include these strategies enjoy success beyond anyone’s evidence-informed wildest dreams: reliable funding generated by health care users fees, great health care outcomes for everyone, no exacerbation of inequities, no crippling household debt. No sold land, repurposed school tuition or high-interest loans. In the best-case scenario, not one of the hundreds of thousands of Ugandans living with HIV receiving antiretrovirals from 491 PNFP facilities misses a refill or leaves care because of user fees or community health insurance premiums. This is the best-case scenario for these people for their own health, and for their families. It is also the best-case scenario if Uganda wants to stay on the path to eliminating HIV as a public health threat. According to the country’s most recent data, 96.5 percent of people living with HIV on antiretrovirals are virologically suppressed. Epidemic control depends ensuring that 95% of people living with HIV know their status, 95 percent of those individuals are on ART, and 95% of those individuals are virologically suppressed. Uganda is still struggling with the first “95"—a frankly abysmal 85.3 percent. If HIV epidemic control and the attendant prevention of new infections, avoidable suffering and premature death matter, the country cannot afford to lose any clients who are currently in care.23 As I write this a couple hours before the polls close for the US elections in the city I live in, I say with soul-deep sincerity: I am rooting for the best-case scenario. I think it’s safe to say that we all are.24 I think it’s also safe to say that if the US and co-signatory governments have inked plans that lead to successful expansion of community health insurance and strategic use of user fees, we all would like to know, now, so that we don’t miss the opportunity to celebrate when success happens. The implementation plan narratives have to enter the public domain. They are the fullest expression of a strategy co-created by two governments. There are assumptions and details that people living in the US and co-signatory countries need to understand that are not available in the MoUs or, to date, in the Congressional Notifications. Some of these details can help other countries that are, as I write this, still working on implementation plans. Others, like a solid count of how many other countries have plans for expanding user fees or health insurance, are important for regional and global health architecture reform initiatives. No matter how this election night turns out, there will be a slew of new Congressional member orientations, briefings and talking points papers in the next few months. Release of implementation narratives should be a bullet point in every context that AFGHS is discussed. These documents can be redacted so that procurement sensitive information isn’t disclosed. There is much more historical precedent for sharing such documents than there is for relying on user fees to fill health financing gaps. Let’s look at the information together so we can hope for the best and prepare for, you know, the other thing. Alt text: A substack first: a bicep selfie! It’s my arm - peachy-white skin, black shirt (flannel, notch neck, too hot for this appallingly balmy November weather, if you’re wondering) and a sticker that says I VOTED 2026. Beige letters on red for I voted. Beige on blue for 2026. You bet I did.25 In your wildest dreams. Subscribe 1 This is a really, really rich 95 page document. There are fascinating ideas and detailed plans in it. It is all worth reading AND I have, in this post, highlighted an instance of content that could pose challenges and certainly posits success of strategies that haven’t worked before. I would love to hear what readers’ see that’s interesting and should be lifted up as something to check for in other implementation plans. I will also shortly be adding a static page to the substack site where implementation plan documents will live. I will put the url into this footnote and it will also be there on emilybass.substack.com by the end of the week. Uganda Implementation Narrative Section 4 April 22 2026 Draft 1.51MB ∙ PDF file Download Download 2 User fees are costs charged for visits, labs, medicines or other health services, usually at the time they are provided. Community health insurance, or community-based health insurance, is what the World Health Organization calls “micro insurance,” which is health insurance targeted at low-income people. 3 As usual (by which I mean always), please prove me wrong. 4 https://smartnewsliberia.com/liberias-ministry-of-health-announces-2025-hospital-service-fees-for-public-facilities/?utm 5 https://moh.gov.lr/news/2025/grand-cape-mount-leaders-residents-embrace-new-community-pharmacy-program/?utm 6 https://www.christianitytoday.com/2026/09/hiv-usaid-pepfar-africa-foreign-aid-cuts-mission-hospitals/?utm 7 https://gh.bmj.com/content/10/11/e021270 8 https://www.who.int/news-room/fact-sheets/detail/community-based-health-insurance-CBHI 9 https://pmc.ncbi.nlm.nih.gov/articles/PMC2827475/ 10 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 11 https://pmc.ncbi.nlm.nih.gov/articles/PMC527704/ 12 Same citation as the footnote 2 - the article is called “Learning from failed health care reform in Uganda.” To which I say: If only. If. Only. 13 There is a whole taxonomy of user fees to be aware of, if not commit to memory. Out of pocket costs are everything that someone pays for themselves. In this Stack, user fees are planned and policy-supported out of pocket costs. There are also out of pocket costs that people pay to buy drugs or receive tests or health care assessments that would be free if the drugs were on the shelves, or the machines or kits were available, or the staff were on site. A user fee is usually designed to be modest, pegged to willingness to pay, and may be waiveable at the point of care for anyone who is unable to do so. The costs for things that would otherwise be free are whatever the market will bear and people either have to pay them or go without. Out of pocket costs for services and stuff that aren’t available in public facilities are different again from bribes or unofficial fees that some health workers may impose, even though most are indefatigable, tireless and tired, and devoted to their clients. 14 For the record—which really is these footnotes—I would give a whole stack of fridge magnets for a systematic analysis of the economic and social impact of the Mass Unemployment Event in AFGHS countries among the very people who used to be able to afford and cover user fees, both for themselves and vast family networks. Locally employed USAID technical staff, house cleaners, caregivers, drivers and technicians were financial anchors for cousins, friends, friends’ children, friends’ childrens’ cousins, teachers, pastors, neighbors and so many other kinds of kin. Aid recipients lost direct funding; many other people who had not been aid recipients, but parts of the elaborate care webs that function as safety nets for so many people, lost crucial support too. And that’s even before we get to the people who worked at the hotels and restaurants and bars where people employed by the US and its implementing partners used to spend disposable income. Those businesses have lost revenue; those folks have lost jobs. It will be some time coming—and someone will have to fund this work—but I do hope it happens. And I hope, as usual, to be proven wrong. 15 https://eprcug.org/blog/how-out-of-pocket-healthcare-costs-keep-driving-ugandans-into-poverty/ 16 Another straight-to-the-point journal article title. Households experiencing catastrophic costs due to tuberculosis in Uganda: magnitude and cost drivers. https://pubmed.ncbi.nlm.nih.gov/32938411 17 https://www.cehurd.org/download/technical-policy-brief-on-community-health-insurance-scheme/?wpdmdl=13661&refresh=6ae9122f5d4ed1793659439 18 https://pmc.ncbi.nlm.nih.gov/articles/PMC10125197/ 19 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 20 https://ugandapost.news/uganda-to-make-health-insurance-mandatory-by-2026/ 21 https://shu.org.ug/download/235 22 With a nod, tip of the stack hat, and wag of the Mercoon tail to a deeply valued reader who told me that I have a tendency to speculate about the worst-case scenarios a little too much of the time. 23 https://news.mak.ac.ug/2026/10/uphia-2025-shows-ugandas-hiv-status-awareness-gap-despite-strong-treatment-outcomes/ As you’ll see in the next footnote, I’ve already written a subSubstack on another topic, so I will be brief with regard to the study referenced in this article. The Uganda Population-Based HIV Impact Assessment, or UPHIA, will never happen in this way again. For more than a decade, PHIAs have been supported by the US government as a way to generate accurate estimates of country progress on key HIV indicators. They are a holdover from the PEPFAR program that was laser focused on ensuring US taxpayer dollars subsidized progress in pandemic control. There may be other population-level surveys and the data may even be publicly released, as the entire set of FY2026 MER data have not. But PHIAs will never happen again. If you’re wondering whether the estimates of HIV progress at country level might get less reliable….you’re not alone. 24 Ooh baby, I hate “we” in almost all forms. But sometimes I go there, when I am looking for company, which I am. Because this Stack moves into the somewhat-uncharted territory of assessing what the implementation plan narratives may suggest about co-signatory countries’ roles and responsibilities to the people living within their borders. The MoUs, specimen and data sharing agreements were templates. Countries’ answers fit into pre-specified questions that did not include, “how are you going to fill financing gaps and stabilize your health system as this plan unfolds?” In contrast, the implementation narratives are open form—the product of co-creation between the two governments. Co-creation can mean lots of things, but nothing leads me to believe that implementation plans are ghost-written by the US government, or that contents were imposed by the US counterparts. Instead, I think the parts of the plans that read like country government initiatives are endorsed, if not initiated by, those governments. For instance, the Ugandan implementation plan narrative describes plans for revenue-generation through fees charged for equipment calibration, repair and maintenance provided through Uganda’s National Equipment Calibration Laboratory, and laboratory accreditation through the Uganda National Accreditation Service (UGANAS), targeting private sector, PNFP, research and academic clients. That’s super specific and also quite ambitious. It doesn’t read like an American idea. There’s also a provision for solar panels, and other stuff that feels country owned and driven. This is where it gets interesting. If co-creation is the case, then both the US and co-signatory governments are accountable for the contents and the outcomes. Most discourse about AFGHS to date has focused on the decisions that America has made, or demanded that other countries make. The AFGHS architects have monopolized the hot seat. As they should, in so many ways. America absolutely created the conditions under which countries needed to come up with health financing strategies to fill unanticipated, catastrophic funding gaps. And with not-too-long a lens, we can look back and see that America is also on the hook for its role in the Bretton Woods institutions that made user fees and health system fiscal austerity conditions of loans during the era of structural adjustment. But in the here and now, it is not at all clear to me that the US is requiring Uganda or any other country to implement specific approaches to sustainable financing. Instead, it is as the authors of that paper up in footnote 6 suggest: African governments have agency. As implementation plans roll out—whether or not the narratives are shared—it will be important to understand what this agency looks like and what it means for people, including the poorest of the poor. And it will be important to figure out how to talk about it safely, respectfully and critically in places other than the literal and metaphorical footnotes. 25 This week’s song is “Once upon a time” by the Moody Blues. (I know, this is gonna be a weird, largely banger-free end of 2026 playlist. HMU with requests.) AND please do watch the video and appreciate the truly amazing opening sequence—a drum kit wasteland, a coupla plastic bags, a bit of sand. Sort of like the hill where fiscal austerity policies that put costs on health care users might go to perish. But then there’s a lady with amazing hair. It’s worth it.
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