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Michigan elections: Voters decide on Proposal 2 Money Out of Politics question

Voters on Tuesday were asked to consider a ballot proposal that would prohibit regulated utilities and large state contractors from contributing to Michigan politicians.

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Nov 3 • 8:00 PM EST • Politics • bridgemi.com
CVS to Split Off Pharmacy Business, Ending the Healthcare Conglomerate Era

In a breakup planned for 2028, CVS Health intends to split off its pharmacies into a new company, while keeping together its businesses in insurance and pharmacy benefits.

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Nov 4 • 7:07 AM EST • Health • nytimes.com
Hockey’s Russia crisis deepens as major sponsors threaten to pull out of 2027 men’s World Championship

Car manufacturer Škoda and workwear brand Strauss have expressed opposition to Russian involvement at next year's World Championship.

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Nov 4 • 12:19 PM EST • Sports • nytimes.com
CVS to split off pharmacy business, ending the healthcare conglomerate era

CVS Health intends to keep together its insurance and pharmacy benefits divisions and create a separate company for its pharmacies, in a breakup set for 2028.

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Nov 4 • 1:44 PM EST • Business • seattletimes.com
Michigan US Senate election results: Abdul El-Sayed vs Mike Rogers

See live election results in Michigan's US Senate race between Republican Mike Rogers and Democrat Abdul El-Sayed.

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Nov 3 • 8:03 PM EST • Politics • bridgemi.com
Moderate drinking carries health risks even within UK alcohol guidelines

A new study estimates the lifetime risks of drinking alcohol and explains why staying within the UK’s 14-unit weekly limit doesn’t guarantee safety.

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Nov 4 • 8:21 AM EST • Health • theconversation.com
The National STEM Festival is taking its science fair global

After three years of showcasing young innovators from across the U.S., the festival is expanding internationally, with events planned for the U.K. and Mexico.

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Nov 4 • 8:00 AM EST • Science • fastcompany.com
Live Nation Entertainment (LYV) Nears Earnings, Is The 11% Undervalued View Still Convincing?

Live Nation Entertainment (LYV) heads into its 5 November third quarter 2026 earnings release with investor attention on concert demand, fan attendance trends, and how ticket sales translate into reported profitability. At a share price of $178.87, Live Nation Entertainment has logged a 1-month share price return of 5.98% and a year-to-date share price gain of 23.10%. The 1-year total shareholder return of 18.65% and 3-year total shareholder return of 107.67% point to momentum that has cooled...

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Nov 3 • 8:09 PM EST • Entertainment • finance.yahoo.com
CVS Health to split in two, separating pharmacy business from insurance

Nov 4 (Reuters) - CVS Health said on Wednesday it will split into two companies, separating retail pharmacy from its insurance and pharmacy-benefit operations in a major unwinding of the healthcare conglomerate it spent years building through acquisiti...

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Nov 4 • 6:37 AM EST • Business • wmbdradio.com
Marine veteran turned UNT Health Fort Worth professor finds new meaning in service

Ryan Schalles lost his friends and identity when he left the Marines. Then he rebuilt his life around service.

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Nov 4 • 3:00 PM EST • Health • fortworthreport.org
Remedy Entertainment PLC (RMDEF) (Q3 2026) Earnings Call Highlights: Control Resonant Becomes ...

Remedy Entertainment PLC (RMDEF) posted EUR39.6 million in Q3 revenue and turned EBIT positive, but negative operating cash flow and a critical Q4 leave full-year profitability hanging in the balance.

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Nov 4 • 6:02 AM EST • Entertainment • finance.yahoo.com
Detroit Lions Place LB On Injured Reserve, Waive DB Following Devastating Injury News

The Detroit Lions waive Bishop Fitzgerald and place Jimmy Rolder on injured reserve as Brad Holmes addresses the team's growing defensive injuries.

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Nov 3 • 4:38 PM EST • Sports • sports.yahoo.com
Is SWISS Business Class Worth It? What You Really Get for the Extra Cash

My new favourite way to find a good business class fare on a long-distance flight is to add in another stop counterintuitively. I fly in and out of London, so I go into Skyscanner and put in London say Bangkok (as was the case for this flight) and tick the two stops box. The benefit […]

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Nov 4 • 1:07 PM EST • Business • travel.yahoo.com
The Best Idea for His Business Came From a Customer. And It Led to 300% Growth: 'We're Going All-In on This'

Fit:match founder Haniff Brown built tech to help shoppers find clothes that fit, until a soccer club asked him to try something new.

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Nov 3 • 2:40 PM EST • Business • entrepreneur.com
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Six climate and health actions could save 1.6 million lives and deliver trillions in benefits each year

Six proven climate and health measures could save 1.6 million lives a year while delivering trillions of dollars in economic and fiscal gains, according to a new World Health Organization (WHO) report released today.

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Nov 3 • 7:00 PM EST • Health • who.int
CVS Health's (NYSE:CVS) Q3 2026: strong sales

Diversified healthcare company CVS Health (NYSE:CVS) reported revenue ahead of Wall Street's expectations in Q3 2026, with revenue up 5.4% year on year to $108.4 billion. The company's full-year revenue guidance of $420 billion at the midpoint came in 0.5% above analysts' consensus estimates. Its non-GAAP profit of $2.09 per share was 26.6% above analysts' consensus estimates.

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Nov 4 • 7:33 AM EST • Health • finance.yahoo.com
CVS Health moves to dismantle $117bn healthcare empire

Potential spin-off of drugstore business comes as political pressure mounts on pharmacy benefit managers and health insurers

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Nov 3 • 5:33 PM EST • Health • ft.com
Fit Tips: The science of recalling your forgotten glutes

To fix gluteal amnesia (or “dead butt syndrome”), you need to stretch tight hip flexors and retrain your brain to fire your glute muscles using targeted activation exercises. Movement is how you remind your glutes what they’re capable of doing.

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Nov 4 • 6:30 AM EST • Science • sequimgazette.com
Banner Health CEO Amy Perry says headwinds demand new solutions
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Nov 4 • 5:30 AM EST • Health • chiefhealthcareexecutive.com
What science says about perimenopause, menopause and mood swings

The link between between this transition and mental health is real but more complicated than the ‘meno-boom’ suggests.

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Nov 4 • 12:07 PM EST • Science • theconversation.com
CVS to split into two companies, in major breakup of its $117 billion healthcare empire

CVS Health said Wednesday it is splitting into two companies, marking one of the largest shakeups in the healthcare industry. It’s a major reversal of the mergers that brought together the nation’s largest drugstore retailer along with health insurance giant Aetna and pharmacy benefit manager Caremark.

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Nov 4 • 8:40 AM EST • Business • cnn.com
Benefits Can Help Older Adults Stretch Their Budgets and Protect Their Health

Every year, older adults leave $58 billion in benefits unused, money that could help cover groceries and prescriptions.

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Nov 4 • 4:39 AM EST • Health • futureofpersonalhealth.com
Accel Entertainment (NYSE:ACEL) posts better-than-expected sales in Q3 2026

Slot machine and terminal operator Accel Entertainment NYSE:ACELreported revenue ahead of Wall Street’s expectations in Q3 2026, with revenue up 10.3% year on year to $363.6 million. Its GAAP profit of $0.25 per share was 39.4% above analysts’ consensus estimates.For more on Accel Entertainment, re…

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Nov 3 • 4:37 PM EST • Entertainment • tradingview.com
BREAKING: CVS to Split Into Two Companies

GoLocalProv.com is the “go to” local Web experience that breaks the biggest local stories – sports, news, business, weather, news, politics, arts,…

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Nov 3 • 9:23 PM EST • Business • golocalprov.com
CVS Health is splitting in two, according to news reports

The retail pharmacies will be in one company and Aetna and CVS Caremark, the PBM, in another, according to news reports.

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Nov 3 • 7:04 PM EST • Health • managedhealthcareexecutive.com
Xbox Debuts the Series X-BITE: A Working Console Swallowed by an Alligator

Creature specialists behind 'Jurassic World' bring Florida folklore to life in a custom hardware giveaway.

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Nov 3 • 10:50 PM EST • Technology • hypebeast.com
SM Entertainment Q3 Operating Profit 35.5 Billion Won, Down 26.4% From Year Earlier

SM Entertainment Co Ltd KRX:041510:

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Nov 3 • 11:51 PM EST • Entertainment • tradingview.com
Martha Stewart says controversial Halloween costume was last-minute idea after Craig Melvin ruined her OG outfit

“I looked at myself and I said, ‘You really look hungry and homeless,’” the lifestyle guru recalled.

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Nov 4 • 1:17 PM EST • Entertainment • yahoo.com
CLASP II TR: Pascal T-TEER Offers Health Status Benefits and More

At 6 months, the win ratio favored the device over optimal medical therapy, in large part driven by improved quality of life.

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Nov 3 • 5:19 PM EST • Health • tctmd.com
The Growing Utility of LIBS in Science

Laser-induced breakdown spectroscopy (LIBS) is being used in numerous application areas, including environmental monitoring, cultural heritage, and space exploration.

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Nov 4 • 8:36 AM EST • Science • spectroscopyonline.com
CVS Health to split pharmacy chain from health insurance

CVS Pharmacy will be separate from CVS Health, housing major insurer Aetna and benefits manager Caremark

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Nov 4 • 10:20 AM EST • Health • theguardian.com
Republicans win contested legislative races in the Fort Smith metro

Republicans prevailed in all contested legislative races in the Fort Smith metro, with Sen. Justin Boyd, R-Fort Smith, returning to the Arkansas Senate for a second term, and Charlene Fite...

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Nov 3 • 11:34 PM EST • Business • talkbusiness.net
CVS plans to break up $117B healthcare conglomerate

A CVS split would follow a decade-long trend of consolidation, with health insurers combining with pharmacy benefits firms and medical providers.

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Nov 4 • 1:25 PM EST • Health • modernhealthcare.com
Scaled-back version of NC's rural health pilot will return in January

After an 18-month pause, the Medicaid initiative will resume with stricter eligibility requirements and a narrower focus on food assistance.

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Nov 4 • 4:15 AM EST • Health • northcarolinahealthnews.org
Tripwire Presents expands publishing business to support smaller indie developers

Tripwire Interactive's publishing division, Tripwire Presents, is expanding to offer publishing support to smaller inde…

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Nov 4 • 3:48 PM EST • Business • gamesindustry.biz
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Broncos Crack Top 3 In Power Rankings

After Sunday's thrilling defeat of Kansas City, Denver has continued its rise in the power rankings and now stands third in the lists offered by two of the most notable ranking outfits.

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Nov 3 • 3:56 PM EST • Sports • sports.yahoo.com
Dragon’s Dogma II: Dark Arisen x Delicious in Dungeon collaboration announced

Capcom has announced a collaboration with manga series Delicious in Dungeon for Dragon’s Dogma II: Dark Arisen, which brings Official Pawns and special collaboration outfits inspired by chara…

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Nov 3 • 7:45 PM EST • Technology • gematsu.com
British healthcare worker with Ebola to be evacuated from DRC to UK, document shows

Patient, who is ⁠in ​stable condition, is expected to arrive in Britain on Wednesday or Thursday

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Nov 4 • 11:32 AM EST • Health • theguardian.com
12 possible health benefits of magnesium, from sleep to stress

Magnesium may help with sleep, mood, blood sugar, and heart health. Here are 12 possible benefits, plus where to find the mineral.

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Nov 4 • 10:24 AM EST • Health • qz.com
This Week's Health IT Jobs

It can be very overwhelming scrolling through job board after job board in search of a position that fits your wants and needs. Let us take that stress away by

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Nov 4 • 9:00 AM EST • Health • healthcareittoday.com
Most AI health equity guidance is general and U.S.-based, Georgetown review finds

Only 22 of the articles in a Georgetown scoping review defined health equity, a gap the lead author said could steer resources toward the most advantaged groups.

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Nov 3 • 2:40 PM EST • Health • medicaleconomics.com
Emperor Entertainment Hotel Expects Profit Attributable Of Not More Than HK$35 Million For HY

Emperor Entertainment Hotel Limited HKEX:296:

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Nov 4 • 4:36 AM EST • Entertainment • tradingview.com
How to Maintain Muscle Mass as You Age With Diet and Exercise

Adequate protein intake and resistance exercise support muscle strength and function during aging, when muscles often respond less strongly to dietary protein. Evidence for supplements varies, with creatine showing benefits alongside resistance

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Nov 4 • 12:29 AM EST • Health • news-medical.net
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7 Best Website Builders for Small Business

Compare the best website builders to find the perfect fit for your small business. Launch your online presence easily without any coding.

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Nov 4 • 9:00 AM EST • Business • salesforce.com
Kensing develops plant sterol-enriched cream cheese for heart health

The firm has unveiled a prototype light cream cheese containing its sunflower-derived Sunvasterol EST phytosterols, designed to deliver cholesterol-lowering benefits without compromising taste or texture

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Nov 4 • 11:10 AM EST • Health • nutraceuticalbusinessreview.com
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.

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Nov 4 • 5:30 AM EST • Health • bctv.org
CVS to Split Off Pharmacy Business, Ending the Healthcare Conglomerate Era

In a breakup planned for 2028, CVS Health intends to split off its pharmacies into a new company, while keeping together its businesses in insurance and pharmacy benefits.

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Nov 4 • 7:07 AM EST • Business • nytimes.com
Small Business Saturday campaign to begin at Mohawk Harvest After Hours

Small Business Saturday was created in 2010 to support independent merchants and redirect holiday spending locally.

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Nov 4 • 8:00 AM EST • Business • adirondackexplorer.org
CVS Health Stock Leads Defensive U.S. Dividend Value Picks

Washington has just handed investors a plot twist. A Democratic sweep of Congress, fresh worries over debt ceiling fights and pressure on Treasury yields are shaking sentiment, yet pockets of dividend-paying value stocks may quietly benefit from the reset in expectations. This article walks through three U.S. dividend payers from our value-focused screener that appear closely tied to these political crosswinds and explains why each could deserve a second look now. The three stocks below are...

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Nov 4 • 4:13 AM EST • Health • finance.yahoo.com
Just six climate actions could save 1.6 million lives a year, WHO says

The WHO is urging governments to scale up six measures to tackle the health impacts of climate change, saying they could save millions of lives while delivering major economic benefits.

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Nov 4 • 12:16 PM EST • Health • euronews.com
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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Nov 3 • 11:57 PM EST • Health • emilysbass.substack.com
North Carolina voters elect Roy Cooper, state’s first Democratic senator in 10 years

Cooper, the state’s former governor, defeated former RNC chair Michael Whatley by focusing his campaign on lowering costs

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Nov 3 • 8:31 PM EST • Politics • theguardian.com
First 'Challenger Center' planned for Iowa to boost space science education

Hawkeye Community College in Waterloo plans to build a space education center for Iowa middle-schoolers. Bids are being taken on a project that will bring Iowa’s first Challenger Center to campus, honoring the seven astronauts killed in the 1986 Space Shuttle Challenger disaster. The 32 other centers nationwide are run by a Washington D.C.-based nonprofit […]

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Nov 3 • 2:00 PM EST • Science • radioiowa.com
Science for Public Service: How One Entomologist Found Her Calling in Extension

Meet Sara Salgado MacDonald, Ph.D., entomologist and extension agent at the University of Florida, expert in public science communication, and subject of the next installment of our "Standout Early Career Professionals" series.

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Nov 4 • 10:15 AM EST • Science • entomologytoday.org
Jesus de Miguel, the Spanish striker whose tragic death has shocked football

The 30-year-old striker died following an on-field collision with an opposition goalkeeper in a Spanish second division match on Monday

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Nov 4 • 4:34 AM EST • Sports • nytimes.com
‘A win the size of Texas’: Democrats celebrate shrinking Republican dominance in a big state

Voters watched results in near disbelief as James Talarico claimed victory in Senate race and Gina Hinojosa was elected state’s first Latina governor

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Nov 4 • 8:16 AM EST • Politics • theguardian.com
Jeremy Gaskill on moving from Humana to Geisinger Health Plan
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Nov 4 • 7:45 AM EST • Health • managedhealthcareexecutive.com
Ubisoft reportedly seeking to acquire Arkane Lyon from Xbox

Reports suggest Ubisoft is one of three companies looking to buy studio following extension of consultation period

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Nov 4 • 3:35 AM EST • Technology • gamesindustry.biz
Connections: Sports Edition today: Hints and answers for Nov. 4, 2026, puzzle No. 772

Welcome to Connections: Sports Edition Coach — a spot to gather clues and discuss (and share) scores.

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Nov 4 • 12:00 AM EST • Sports • nytimes.com
Why a pink potato-like robot is wheeling around Philadelphia

In a city where robots get kicked, graffitied, and decapitated, an artist built a friendlier alternative. Is it enough?

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Nov 4 • 2:17 PM EST • Science • popsci.com
Dark Chocolate, The Celebrity Treat With Surprising Health Benefits
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Nov 3 • 9:46 PM EST • Health • yahoo.com
Slack vs Discord; a comparison for businesses

Slack vs Discord were built for different audiences, one for work, one for communities. See which platform actually fits business teams best.

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Nov 3 • 11:46 PM EST • Business • salesforce.com
🙂 Positive (39%)
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Fitness studio Swoot with nightclub-inspired classes to open second location Uptown

The upbeat, boutique fitness studio Swoot plans to open a second location this weekend in Uptown New Orleans, near Loyola and Tulane universities.

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Nov 4 • 10:30 AM EST • Entertainment • nola.com
Jenn Sutton wins N.H. elementary science teacher of the year - Monadnock Ledger-Transcript

Jenn Sutton won the NHSTA Elementary Science Educator of the Year Award for her innovative teaching at South Meadow School.

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Nov 3 • 3:27 PM EST • Science • ledgertranscript.com
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Column: Remembering Election Central As Who’s Who of Fayetteville Politics

Before election results went virtual, candidates and residents gathered at the former Holiday Inn Bordeaux to await voting returns.

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Nov 4 • 6:30 AM EST • Politics • cityviewnc.com
Deep dive
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Cannabis Legalization Prevails in Massachusetts; Repeal Question Soundly Defeated

Ten years after legalizing adult-use cannabis, the Bay State voters rejected a prohibitionist proposal, Question 8, which aimed to wipe out the industry.

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Nov 4 • 12:09 AM EST • Business • cannabisbusinesstimes.com
Samsung's sleep apnea upgrade is rolling out to Galaxy Watch 9 and Galaxy Ring

Coming to the Galaxy Watch 8 and 7

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Nov 3 • 7:31 PM EST • Technology • androidpolice.com
Michael King Just Reset The Starting Pitching Market

Michael King opted out of his deal. He doesn't need to cost $400 million to be an ace. See the three best MLB fits for the Padres star.

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Nov 3 • 2:22 PM EST • Sports • sports.yahoo.com
😐 Neutral (6%)
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Pennsylvania Flips Senate, Secures Cannabis Legalization Trifecta

The state’s Democrats gained control of the upper chamber for the first time in more than three decades, paving the way to legalize adult-use cannabis.

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Nov 4 • 11:21 AM EST • Business • cannabisbusinesstimes.com
Old Forge Library to host Social Security workshop

Old Forge Library will host a free Social Security planning workshop Nov. 10, covering retirement benefits, claiming ages, taxes and options for couples.

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Nov 4 • 10:00 AM EST • Entertainment • romesentinel.com
AIG beats profit estimates on premium growth, investment income

American International Group swept past analysts’ estimates for third-quarter profit on Tuesday, as higher investment income and premium growth helped offset a jump in catastrophe losses.

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Nov 3 • 4:32 PM EST • Business • businessinsurance.com
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.

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Nov 4 • 7:30 AM EST • Business • nytimes.com
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

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Nov 4 • 6:18 AM EST • Politics • theguardian.com
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.

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Nov 4 • 5:03 AM EST • Technology • eurogamer.net
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

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Nov 4 • 5:47 AM EST • Science • theguardian.com
Which sports figures won or lost in the midterm elections? Tracking 7 big names

Ex-NFL player Colin Allred returned to the U.S. House, while ex-coach Tommy Tuberville and broadcaster Michele Tafoya were also in races.

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Nov 3 • 10:48 PM EST • Sports • nytimes.com
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.

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Nov 4 • 1:44 AM EST • Health • finance.yahoo.com
Aetna lifts CVS Health profit in third quarter results

CVS Health’s insurance and health services units outperformed Wall Street in the third quarter, yet the bigger story for investors was the company’s breakup plan.

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Nov 4 • 10:51 AM EST • Health • modernhealthcare.com
God of War Laufey delayed three months to May 2027, as Sony Santa Monica escapes a packed February

God of War Laufey has been delayed to May 2027, moving out of a crowded February already filled with Fable, Persona 4 Revival and much more.

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Nov 4 • 12:32 PM EST • Technology • eurogamer.net
Sydney's new $641m Powerhouse arts and science museum to open amid crisis

Due to open on 7 November, the space is mired in controversy as senior executives stand aside during an ongoing misconduct and procurement investigation

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Nov 4 • 6:56 AM EST • Science • theartnewspaper.com
Pulse of Philanthropy: The Business of Being a Nonprofit

At the Door County Community Foundation, one of our primary roles is to connect generous people to the charities that help our community thrive. In nearly two decades of introducing […]

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Nov 4 • 2:28 PM EST • Business • doorcountypulse.com
UWM profitability rebounds in Q3 amid elevated interest rates

The news comes three months after a massive loss that led to an expensive deal to obtain cash.

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Nov 4 • 10:05 AM EST • Business • crainsdetroit.com
CVS Raises Guidance After Announcing Plan to Split in Two

CVS Health raised its full-year guidance on gains in its health-care benefits and pharmacy segments, but said it remains cautious amid high costs and potential macroeconomic headwinds.

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Nov 4 • 6:42 AM EST • Health • wsj.com
One of Nintendo's Switch and Switch 2 cartridge manufacturers is exiting the business, which could make physical games more expensive

Macronix, one of the companies that create components in Switch and Switch 2 cartridges, is calling it quits.

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Nov 4 • 8:34 AM EST • Technology • eurogamer.net
Tom Brady Says Caleb Williams Is ‘Perfect’ Quarterback For Ben Johnson’s Offense

Caleb Williams is perfect for the Ben Johnson's offense, according to FOX Sports' Tom Brady, and it showed on Monday.

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Nov 3 • 4:33 PM EST • Sports • foxsports.com
CVS Health to split in two, separating pharmacy business from insurance

Nov 4 (Reuters) - CVS Health said on Wednesday it will split into two companies, separating retail pharmacy from its insurance and pharmacy-benefit operations in a major unwinding of the healthcare conglomerate it spent years building through acquisiti...

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Nov 4 • 6:37 AM EST • Business • kfgo.com
Trump’s billionaire-blue collar coalition has been smashed by class politics

As tech bosses get richer and ordinary Americans struggle, Democrats put the case against the US’s grotesque unfairness – and voters responded, says Guardian columnist Aditya Chakrabortty

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Nov 4 • 1:18 PM EST • Politics • theguardian.com
Continental is raising its full-year profit outlook after a strong quarter in its tire business

The tire maker expects an adjusted EBIT margin of around 13.4% to 14.0% this year, up from a prior range of 12.0% to 13.5%

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Nov 4 • 9:07 AM EST • Business • qz.com
CVS to split into two companies, in major breakup of its $117 billion healthcare empire

CVS Health said Wednesday it is splitting into two companies, marking one of the largest shakeups in the healthcare industry. It’s a major reversal of the mergers that brought together the nation’s largest drugstore retailer along with health insurance giant Aetna and pharmacy benefit manager Caremark.

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Nov 4 • 8:40 AM EST • Health • cnn.com
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.

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Nov 4 • 9:30 AM EST • Health • finance.yahoo.com
Webtoon Entertainment faces earnings test amid profitability push

Webtoon Entertainment faces earnings test amid profitability push

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Nov 4 • 1:17 PM EST • Entertainment • investing.com
Nov. 5 Vallejo/Vacaville Arts-Entertainment Source: Faces and Places

On Oct. 17 at the CC and Regina Yin Ranch in Vacaville, the Asian Pacific American Public Affairs (APAPA) celebrated its 25th anniversary with a gala attended by 500 guests.

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Nov 3 • 4:12 PM EST • Entertainment • timesheraldonline.com
OPINION

Like all forms of art, film has a special power to bring societal and political change to a society. Filmmaking is a craft that has always been rich in politics and societal influence, so it is impossible to fully understand the craft without understanding its inherently political nature.

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Nov 3 • 8:48 PM EST • Politics • theplainsman.com
People say they want small smartphones—the Enough Phone will put that to the test

It won't win the specs race, but it will actually fit in your hand.

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Nov 4 • 1:00 PM EST • Technology • arstechnica.com
CVS Health to split in two, separating pharmacy business from insurance

Nov 4 (Reuters) - CVS Health said on Wednesday it will split into two companies, separating retail pharmacy from its insurance and pharmacy-benefit operations in a major unwinding of the

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Nov 4 • 6:46 AM EST • Health • lufkindailynews.com
Fourth 'PAW Patrol' Film in Production

Spin Master Entertainment, Paramount Animation and Nickelodeon Movies will be working together on the movie, and it’s set to be distributed in 2029.

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Nov 3 • 3:57 PM EST • Entertainment • licenseglobal.com
Why Everyone Is Watching Hinge Health (HNGE) Now

Hinge Health (HNGE) just posted third quarter 2026 results that flipped the business from loss to profit, with sales of US$234.97 million and net income of US$57.4 million catching investor attention. That earnings surprise has landed on a strong run in the Hinge Health share price, with a 30 day share price return of 19.63% and a 90 day gain of 44.62%, building on a year to date share price return of 156.45% and a 1 year total shareholder return of 118.64% at a latest share price of...

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Nov 3 • 11:32 PM EST • Health • finance.yahoo.com
CVS Health to split in two, separating pharmacy business from insurance

Nov 4 (Reuters) - CVS Health said on Wednesday it will split into two companies, separating retail pharmacy from its insurance and pharmacy-benefit operations in a major unwinding of the healthcare conglomerate it spent years building through acquisiti...

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Nov 4 • 6:37 AM EST • Health • kfgo.com
On the advantages of health system-owned health plan, what Medicaid cuts might mean and the future of U.S. health insurance: A conversation with Geisinger's Jeremy Gaskill

Jeremy Gaskill took the reins at the Geisinger Health Plan earlier this year after a long career at Humana. He discusses the similarities and differences between Geisinger and Humana and the advantages of a health plan that is part of a health system.

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Nov 4 • 7:22 AM EST • Health • managedhealthcareexecutive.com
Hinge Health (HNGE) Stock Looks Stretched On Its 156% YTD Run

Hinge Health has been one of the stronger movers in digital health this year, and the stock’s sharp climb now puts a spotlight on a simple question for investors: Is the current share price adequately supported by the company’s earnings power? The stock is up 156.5% year to date, which puts a lot of pressure on its earnings profile to justify the enthusiasm baked into today’s valuation. Recent earnings news highlighted stronger profitability and an expanded client base, which can support...

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Nov 4 • 2:11 AM EST • Health • finance.yahoo.com