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NFL Injury Report, Week 9: Latest news, updates on Bhayshul Tuten, Breece Hall, more players for fantasy football
Rural Utah gets federal funding for health care
The Utah Department of Health and Human Services says all of its first-year Rural Health Transformation Program funding has now been awarded.
Kraft Heinz to divest its North American coffee business in $650 million deal
Kraft Heinz will divest its North American coffee business to private equity firm One Rock Capital Partners as CEO Steve Cahillane works to revive the company.
CVS to break up $117B business, separating pharmacies from insurance
The split comes amid growing scrutiny from lawmakers and regulators of vertically integrated health care companies such as CVS.
Palm Beach County students help scientists track where trash drifts in local waterways
Shining A Light on Palm Beach and the Treasure Coast
College Football Playoff rankings: Miami leads first rankings of 2026; Notre Dame, Ohio State outside top 10
CVS Health CEO on splitting into two companies: ‘We’re doing it out of a position of strength’
CVS CEO David Joyner joins 'Squawk on the Street' to discuss the company splitting in two, Q3 earnings, and more.
CMG Jacksonville TV, Jacksonville University Athletics announce new broadcast partnership
Cox Media Group Jacksonville TV and Jacksonville University Athletics announced on Wednesday a new broadcast partnership that names Action Sports Jax TV the exclusive home of JU Athletics broadcasts in Northeast Florida.
UK government announces public interest investigation into Sky deal to takeover ITV's media arm
U.K. Culture Secretary Lisa Nandy says she will intervene in the planned 1.6 billion-pound or $2.2 billion deal between Sky and ITV’s media and entertainment arm. Nandy said Wednesday that
Mariners News: Jason Kanzler, Edwin Uceta, and Robinson Canó, Jr.
The Mariners have their new skipper, the Astros search for theirs, and MLB announces another CBA proposal.
Cook County Health offering free flu, COIVD vaccines ahead of holiday season
Cook County Public Health is offering free flu and COVID vaccines ahead of the holiday season.
Man on fire: Paul Bettany talks his secret ‘VisionQuest’ roles
‘VisionQuest’ star Paul Bettany explains those secret roles ahead of season finale.
Madison Square Garden Entertainment Corp reports results for the quarter ended September 30
FORECAST CHANGESRECOMMENDATIONSThis summary was machine generated from LSEG data November 4 at 02:32 p.m. UTC. All figures in US dollars unless otherwise stated. (For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact Refi…
TPA WellNet Healthcare Selects EHVAhealth Voice AI to Automate Health Plan Provider Calls
EHVAhealth, the health payer platform of EHVA.ai, today announced that WellNet Healthcare, a third-party administrator (TPA), has selected EHVAhealth's conversational voice AI to automate its inbound provider calls. EHVAhealth is purpose-built for health plans, TPAs, payers, and benefit administrators that need to answer high volumes of provider calls without adding headcount.
What a blue wave means for North Carolina. Reporters, political watchers join Due South for post-election analysis
Due South’s Jeff Tiberii and a panel of reporters and political scientists dig into the election results and what they mean for our state and our country.
Cosmic Baseball announces 2027 Takeover Tour stop at Gwinnett Field
Cosmic Baseball, the immersive blacklight baseball experience, has announced its 2027 touring schedule across 44 Minor League Baseball (MiLB) stadiums.
CVS confirms it will split pharmacy business from insurance
The 2018 merger of insurance behemoth Aetna and a 9,000-store retail pharmacy chain had built a $117 billion empire.
Detroit Red Wings Suffer Another Major Injury Blow
Detroit Red Wings goalie John Gibson exits Tuesday's loss to Tampa Bay with an injury. Todd McLellan discusses Daniil Tarasov and what's next.
Browns make seven roster moves after Steelers loss
Practice squad shakeup for the Cleveland Browns heading into Week 9
Brewing up brilliance with the Clinical and Diagnostic Sciences Society
On Friday, Oct. 30, the Clinical and Diagnostic Sciences Society (CDSS) held a Potion Making event in the Lake Erie room of the Oakland Center, combining clinical concepts with Halloween fun. The event ran from 2 to 3 p.m., allowing new students to learn dilution skills while experienced students gained practice. Attendees experimented with dilution...
Rory McIlroy agrees with claim that LIV Golf 'wanted to destroy The European Tour'
Rory McIlroy supports claims that LIV Golf intended to destroy the DP World Tour to serve as its replacement.
PAVS Subsidiary 2Lab3 Launches AniMano+, an AI-Native Digital Entertainment Streaming Platform, on the Apple App Store
NEW YORK, NY / ACCESS Newswire / November 4, 2026 / (NASDAQ:PAVS) ("PAVS" or the "Company") today announced that its subsidiary, 2Lab3, launched AniMano+, an AI-native, vertical-first short-form dramas and animation streaming app, on the Apple App Store on October 23, 2026.AniMano+ combines storytelling and creative expertise with AI-enabled content production capabilities to develop entertainment for global audiences.
Voya Financial Expands its Multiple Employer Solutions as Business Nearly Doubles
WINDSOR, Conn., November 04, 2026--Voya Financial, Inc. (NYSE: VOYA) today announced new capabilities that will expand its Multiple Employer Solutions (MES) business, giving employers, workers and advisors more choice and a simpler experience. Voya’s MES business serves a wide range of organizations, including industry associations, faith-based groups, public sector entities, professional employer organizations and small-to-middle market businesses.
INTERVIEW: WEAU Political Analyst John Frank discusses results of midterm election
Hello Wisconsin’s Bob Gallaher sat down with WEAU Political Analyst John Frank.
The Quantum World Is Bursting With Chaos—Scientists Just Found What's Holding It Together
By mixing classical nudges with quantum circuits, scientists found rhythms hiding in many-body chaos that could help build better quantum computers.
Nadal set to join Real Madrid board of directors
Tennis great Rafael Nadal is set to join the board of Spanish football giants Real Madrid.
Business Beat : Thurston Woods offers financial incentives to fill multiple positions
STURGIS, MI (WTVB) - Thurston Woods Village, a faith-based retirement community in Sturgis, has launched a maj...
NBA makes Draymond Green decision after ejection vs Suns
Another Draymond Green ejection, another familiar wave of fans waiting to see if the league will actually punish him. Draymond Green found another way to lose his cool, getting ejected after taking Khaman Maluach down and getting into an altercation with Dillon Brooks in the aftermath.
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
Dodgers notes: Tarik Skubal, Shohei Ohtani
Free agency has officially begun, and the Dodgers are now on the clock to try to fortify their roster before the impending lockout. Left-hander Tarik Skubal is atop the list of the most highly coveted free agents this offseason, and the Dodgers are not the only bidder for his services. Jeff Passan at ESPN reports […]
Buckeyes Roll into Saturday's Game as Massive Favorites Against Oregon
Ohio State opens as massive favorites on Saturday against the Oregon Ducks.
Weekly Stat Review: Post Week 8 edition
The loss versus the Packers officially lost Ejiro Evero his job - it’s hard not to see why.
Video: McKennie joins Juventus group training before AZ Alkmaar clash
Juventus midfielder Weston McKennie trained with his teammates at Continassa this morning, on the eve of a Europa League game against AZ Alkmaar.Juventus are preparing for Thursday’s away Europa Lea...
Good sleep protects brain health in people with cardiometabolic disease
People with type 2 diabetes, heart disease or stroke who sleep well have better cognitive function and greater brain volume than people with the same conditions who sleep poorly, according to a new study from Karolinska Institutet.
CVS announces plan to split into 2 companies, separating pharmacy from insurance
CVS announced plans to separate into two independent, publicly traded companies on Wednesday, reshaping one of the largest healthcare companies in the US.
Ohio State earth science professor Lonnie Thompson dies after brief illness at 78
Ohio State University is mourning the loss of a longtime professor whose work helped elevate the university’s global reputation in climate research.OSU Presiden
Report Milan agree record 50m-a-year Adidas kit deal
La Gazzetta dello Sport reports that Milan have reached a record €50m-a-year agreement with kit manufacturer Adidas, which will design the Rossoneri’s shirt for ten years starting in 2028.Milan wi...
Today in White Sox History: November 4
Happy birthday to a true underachiever, Skeeter Webb!
Atlético v Santa Cruz: Galo's young guns in action today!
Atlético vs Santa Cruz – November 4 (Wednesday) – 3 PMTournament: Copa do Brasil Venue: Arena MRVBroadcast: SporTvMatch Guide: Atlético vs Santa Cruz
Scientists call on Ecuador to stop the rising trafficking of Galápagos iguanas
Ecuadorian authorities said they caught a Russian woman at the airport in Quito, the capital city, trying to smuggle 32 live marine iguanas, endemic to the Galápagos Islands. The iguanas — bound and stuffed in eight plastic boxes — were headed to Iceland. The dehydrated lizards were transferred to a conservation center in Pichincha for […]
Geron Corporation Reports Third Quarter 2026 Financial Results and Recent Business Highlights
Achieved $60.1 million in RYTELO® (imetelstat) net product revenue in Q3 2026, an increase of 5% compared to Q2 2026 Reiterated 2026 RYTELO net product revenue at the mid-to-high end of the $220 million to $240 million range; lowered 2026 total operating expenses range to $220 million to $230 million Initiated gated commercial launch to expand RYTELO access to eligible LR-MDS patients in targeted European markets, with availability expected in Germany by end of year Ended Q3 2026 with cash, cash
Flutter Entertainment amends credit agreement, extends maturity to 2032
Flutter Entertainment amends credit agreement, extends maturity to 2032
Lobo football to health care leadership, Brad Cook finds purpose in building better systems
For Brad Cook, leadership began long before he entered the healthcare industry. As a student at The University of New Mexico, Cook received a full ride scholarship to serve as the head equipment manager for the Lobo football team. This experience gave...
Tennessee Titans news: Bye week gives chance to reflect
The Tennessee Titans are entering the bye week at the right time.
Happening in Boise: The Blues, Cell Block Tango and Cinema
Here’s a look at what’s happening around Boise from November 6 through November 8.
Sports on TV/radio listings: Nov. 4
Where to watch and/or listen to today's sporting events that will be televised or broadcast on the radio.
Rafa Nadal joins Real Madrid's board of directors 🎾
Real Madrid has officially announced the appointment of Rafa Nadal to its board of directors. The club has thus formalized the arrival of one of Spanish sport’s greatest legends to its governing bod...
Patriots Get Offensive Line Reinforcement Ahead Of Packers Game
New England made several roster moves Tuesday, but the return of an offensive tackle could become particularly important as the Patriots prepare for Green Bay.
Jayson Tatum diagnoses Celtics' main early season struggle
After breaking their five-game winning streak to the Rockets, Jayson Tatum had a major insight on what the Celtics led by Coach Joe Mazzulla are struggling with.
CVS to split off drugstore business in major breakup of healthcare giant
The move would reverse the company's $78 billion acquisition of Aetna, and dismantle the vertically integrated healthcare conglomerate it created in 2018.
CVS to split off drugstore business in major breakup of healthcare giant
The move would reverse the company's $78 billion acquisition of Aetna, and dismantle the vertically integrated healthcare conglomerate it created in 2018.
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
Portsmouth 3-1 Swansea
Pompey supporters have their say after Portsmouth's 3-1 win over Swansea City in the Championship.
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.
UGA celebrates Science and Ag Hill modernization
The University of Georgia completed the second phase of its Science and Ag Hill modernization initiative and celebrated with a ribbon-cutting and tour of the renovated facility on Oct. 28,
Outback franchisee files for bankruptcy, citing California labor costs
San Diego-based Cerca Trova Restaurant Group, which once operated nearly 100 Outback Steakhouse restaurants, filed for Chapter 11 bankruptcy on Monday.
Texas Election: 5 takeaways from a historic Democratic wave
Texas elected its first Latina governor and President Donald Trump's redistricting push turned out to be a flop.
Bears-Seahawks Monday Night Football: Overreaction Or Not?
The Monday Night Football game between the Seattle Seahawks and Chicago Bears produced some shocking results. Ben Johnson and Caleb Williams moved the ball at will on that vaunted Seahawks defense and scored 34 points. It was the most points Seattle had surrendered all season. I have three takeaways from the game, and I’ll decide […] The post Bears-Seahawks Monday Night Football: Overreaction Or Not? appeared first on Stadium Rant.
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
Trinity's 50th production of 'A Christmas Carol' will be something 'people will really talk about'
PROVIDENCE – Taavon Gamble has never directed “A Christmas Carol.”
Man United mock Roma with brutal tweet after comeback victory
Safe to say Manchester United enjoyed their comeback win against Roma on and off the field as the Red Devils mocked the Giallorossi with a brutal tweet at full-time.Roma wasted a two-goal lead at Old ...
Official | Portuguese manager Paulo Fonseca leaves Lyon
Olympique Lyonnais have confirmed the departure of manager Paulo Fonseca. Sporting CP, the club that he is expected to join, have yet to officialise the Portuguese manager’s arrival at the club. In ...
“Bro Really Said the New Standard is Mediocrity”: Fans Troll Dabo Swinney as he Proudly Makes “Six Wins” Claim for Clemson
Clemson head coach Dabo Swinney has sparked a debate after highlighting the program’s record of consistency. Speaking ahead of the Tigers’ upcoming matchup against Syracuse, Swinney pointed out that Clemson is chasing its sixth win of the 2026 season.
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.
'Chef's Kiss' reopens as a new Topeka catering business
Topeka chef Kelli Page is launching a new catering and events business after closing her restaurant for health.
Three Trade Partners for the Detroit Tigers This Winter
With the team needing relief pitching and several teams needing outfield help, the Detroit Tigers have several potential trade partners. The Motown team allowed 11 walk-off hits in 2026 and blew 32 saves, both the most by an American League team. Although their offensive core and deep starting rotation will be back for next season, …
Channing Tatum debuts new Gambit accent for ‘Avengers: Doomsday’
Channing Tatum delivers new Gambit accent for ‘Avengers: Doomsday’ in Dunkin’ Donuts ad: ‘Doomsday is here, mon ami’
Bryant visits Quinnipiac following Harvey's 20-point game
Bryant Bulldogs (1-0) at Quinnipiac Bobcats (0-1)Hamden, Connecticut; Thursday, 7 p. ESTBOTTOM LINE: Bryant takes on Quinnipiac after Keegan Harvey scored 20 points in Bryant's 80-75 win over the Siena Saints.
Massive win and really important night
Portsmouth head coach John Mousinho speaks to BBC Radio Solent after the 3-1 win against Swansea City.
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.
No catastrophic financial hit required to fight climate change, scientists say in landmark court case
Canada does not need to shut down its industries or take a catastrophic financial hit to effectively fight climate change, one of the country's leading climate scientists testified during a landmark trial in a Vancouver courtroom this week.
Paul will 'hang up gloves' if he loses to Doumbe
Jake Paul says he will retire from boxing if he loses to MMA star Cedric Doumbe on 24 December in Dubai.
Today’s Papers
La Gazzetta dello SportReal InterThe Nerazzurri restart in style: Feyenoord crushedBisseck opens the account, then Pio and Zielinski score. Chivu keeps climbing the table: ‘Our best version.’Roma ...
Raphinha to sign new Barcelona contract until 2030 on Thursday
Barcelona captain Raphinha is expected to formalise his contract renewal on Thursday, November 5, signing a new agreement that will keep him at the club until 2030. According to SPORT, the agreement ...
BP Appoints Former Shell Executive Emma Lewis to Lead Downstream Business
BP names an experienced energy industry executive to lead its global downstream operations as it advances its corporate restructuring.
Titans’ biggest problem to fix during 2026 bye week
The Tennessee Titans are approaching their 2026 bye week with more questions than answers. Sure, Cam Ward’s development remains central to the franchise’s long-term ambitions. However, Tennessee’s struggles extend well beyond the quarterback position. The offense has shown occasional flashes of explosiveness. The defense, though, has repeatedly […] The post Titans’ biggest problem to fix during 2026 bye week appeared first on ClutchPoints.
🗞️ Jesús de Miguel remembered, Champions League Wednesday's front pages
Football is in shock. The death of Jesús de Miguel has stunned the entire sporting world on a Tuesday to forget.On days like this, there is little point in talking about the Champions League or the s...
Abdul El-Sayed Wins Michigan Senate Race, Making History as First Muslim Senator
El-Sayed has defeated former Rep. Mike Rogers in Michigan’s open Senate race, making him the first Muslim elected to the United States Senate.
A Political Reckoning Shatters Trump’s Grip on Washington
Republican midterm losses leave the president weakened during his final two years in the White House.
Dolphins announce passing of perfect 1972 team member Bob Heinz
The Miami Dolphins are mourning the loss of former defensive lineman Bob Heinz, who helped the franchise win consecutive Super Bowls and complete the NFL’s only undefeated campaign in 1972-73. He passed away in California on Oct. 31 at 79 years of age. This news comes shortly after the Detroit Lions handed the Minnesota Vikings their first loss of […] The post Dolphins announce passing of perfect 1972 team member Bob Heinz appeared first on ClutchPoints.
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.
Michigan's 'money out of politics' measure passes, faces legal challenge
Unofficial results from the New York Times show Proposal 2 received support from 81% of Michigan voters.
CVS Health To Split Into Two Companies As Pressure Mounts On Vertical Integration
CVS Health will split into two companies, putting the more than 9,000 drugstores under one business and its Aetna health insurance and pharmacy benefit operations into another.
St. Albert the Great Academy: Finding amazement in agrarian science
St. Albert the Great is typically remembered in history by his Latin title, "Albertus Magnus." This Dominican abbot and bishop in the Catholic Church is remembered not just for his
Problems at health trust buildings could cost additional £20m
The maternity building on the Royal Victoria Hospital site is already tens of millions of pounds over budget.
Nebraska football’s special teams search for consistency as kicking woes persist
A major talking point with Nebraska football is a lack of consistency on special teams. These failures have led to Matt Rhule replacing Kyle Cunanan with Matt Hohl for all field goals and points after touchdowns.
How a Ms. Frizzle-esque librarian helped Flagship’s Louisa Helms find biotech
BioSpace 40 Under 40 honoree Louisa Helms is a lot of things—athlete, scientist, entrepreneur and likely future biotech executive. Just don’t ask her to pick up any pipettes.
Jake Ferguson gets good prognosis on ankle injury
Dallas Cowboys tight end Jake Ferguson suffered an ankle injury in Week 8, but head coach Brian Schottenheimer said the initial feedback was good.
Republican Steve Mentzer wins another term to the 97th House District
Republican Steve Mentzer will serve another term in Pennsylvania’s 97th House District after winning 55.6% of the vote Tuesday.
Nature comes to life in ‘MOMIX: Botanica’ at the Schaefer Center on Nov. 12
MOMIX presents Botanica, a visually stunning dance and illusion show exploring nature’s rhythms, at Appalachian State University’s Schaefer Center on November 12. This multisensory performance combines athleticism, inventive props, and atmospheric music to transform dancers into flowers, insects, and fantastical creatures.
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.