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☆ A FIRE blogger decided to test the benefits of the popular triple-tax advantaged HSA. He explains why it wasn't worth the hassle and wants to switch health insurance plans in 2025.
▼ + stars: | 2024-11-20 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

AdvertisementAndre Nader switched from an EPO health insurance plan to an HDHP to get access to an HSA. He plans to switch back to an EPO plan in 2025 for simplicity. AdvertisementIn 2024, he decided to put the popular, triple tax-advantaged health savings account (HSA) to the test. You can invest your HSA funds (the investment options vary by provider), and your contributions and earnings grow tax-free. Not touching your HSA funds means covering your medical expenses out of pocket, which is what Nader did throughout 2024.

Persons: Andre Nader, Nader, Nader didn't, he'd, isn't, he'll, HSA Organizations: FIRE, IRA Locations: San Francisco

☆ An ex-Meta employee calculated that his family of 3 needs $5.6 million to retire in San Francisco. Here's the formula he used and how he plans to hit his 'enough number.'
▼ + stars: | 2024-11-14 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

When Andre Nader got laid off, he and his wife had enough in savings that he didn't have to job search. To go from 'semi FIRE' to 'full FIRE,' he calculated his family of 3 would need $5.6 million. He and his wife were living and working full-time in tech in San Francisco, raising a toddler, and loosely planning on eventually leaving the expensive Bay Area. His "enough number" is also different — it's closer to $5.6 million, he told Business Insider. His "enough number" is constantly shifting, but here's how he came up with $5.6 million for a family of three living in San Francisco.

Persons: Andre Nader, doesn't, —, Meta, Nader, They'd, I'm, I've, outsized, he's, Roth Organizations: Service, FIRE, Affordable, UC, Social Security, Vanguard, Market, Index Fund Locations: San Francisco, Meta, California

For many families, child care is often the biggest. Thanks to a state program launched during the recovery from the pandemic, they pay nothing for child care. Vice President Kamala Harris proposes capping child care costs at 7% of working families’ incomes, along with an up-to-$6,000 expanded child tax credit for those with newborns. The permanent fund now funnels more than $150 million from fossil fuel producers into child care subsidies, state officials estimate. As elder care costs continue to outpace inflation, the Democratic ticket sees that constituency as key to victory.

Persons: Maggie Wright, JJ Oviedo, Patricio, Uriel, ”, Wright, JJ, “, ” Maggie Wright, Oviedo, Michelle Lujan Grisham, Kamala Harris, Donald Trump hasn’t, —, Elizabeth Groginsky, Lujan Grisham, family’s, they’ve, she’s, Harris, ” Wright, ’ ”, Taryn Morrissey, ” Morrissey, Deyanira Contreras, Randy Orona, Torres, Contreras, ” Orona Organizations: SANTA FE, Democratic Gov, Fund, Childhood, Care Department, U.S, Labor Department, Wright, Democratic, American University’s School of Public Affairs, ”, Kids, Kids Campus Locations: SANTA, Oviedo, Santa Fe, —, New Mexico, Fe, McDonald’s

☆ Just the Facts – Health and Healthcare: Steve Ballmer Talks Through the Numbers
▼ + stars: | 2024-10-28 | by ( Sponsor Post | ) www.businessinsider.com time to read: +11 min

Find out the impact of the US healthcare system and the health of Americans to our costs and lifespans. In this episode of "Just the Facts," Health and Healthcare. In 2022, 3.28 million Americans died, about 1% of our total population; nearly 3.67 million people were born. As of 2023, 6.7 million Americans over age 65 had been diagnosed with it. Of the $4 1/2 trillion dollars in health spending, 3.7 trillion was spent on personal healthcare, while 760 billion was spent on things like public health, health research, healthcare facilities, medical equipment, and the cost of running health insurance programs.

Persons: Steve Ballmer, USAFacts, COVID Organizations: Insider, LA Clippers, Healthcare, FBI, Medicare, Affordable, Health Locations: America, COVID, Alzheimer's, United States

☆ Say goodbye to deductibles. This health plan is simplifying health care costs and coverage.
▼ + stars: | 2024-10-18 | by ( Sponsor Post | Sponsored Unitedhealthcare | ) www.businessinsider.com time to read: +5 min

It's a modern employer-sponsored health plan designed to help simplify the process of choosing where to receive care by offering members the information they need upfront, enabling them to comparison shop for care. What's different with the Surest health plan? The result, according to a recent study, is that Surest members pay 54% less out of pocket compared to those in traditional plans. "The Surest health plan addresses many of the obstacles that consumers face, including by eliminating complicated math with clear, upfront cost and coverage details," Richards said. People who've tried the Surest plan usually like itConsumers cite ease of use, price clarity, and cost savings as some of the top advantages.

Persons: Surest, Alison Richards, " Richards, coinsurance, Aon, Dan Kueter, who've, It's Organizations: Employers, Insider Studios Locations: It's, Surest, Hawaii

☆ Millennials on track to retire early are maxing out HSAs to supplement their savings. Here's who is eligible for this account and how to use it to grow your money.
▼ + stars: | 2024-10-17 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

HSAs require enrollment in a high-deductible health plan, suitable for healthy individuals. After 65, you can use your HSA money to cover any expense without incurring a penalty, but the funds are subject to income tax. You'll have to move your money from your HSA to your HSA investment account. Brent Weiss, a certified financial planner, told BI that he invests his HSA money in a target-date fund: "I'm not getting fancy. Not touching your HSA funds means covering your medical expenses out of pocket, which is what Grant and the Schlagbaums do.

Persons: —, Amberly Grant, Grant, she's maxed, Brennan, Erin Schlagbaum, HSAs, it's, it'll, Brent Weiss, I'm, you've Organizations: Service, IRA, IRS

☆ Millennials on track to retire early are maxing out HSAs to supplement their savings. Here's who's eligible, and how you can use it to grow your money.
▼ + stars: | 2024-10-17 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

HSAs require enrollment in a high-deductible health plan, suitable for healthy individuals. After 65, you can use your HSA money to cover any expense without incurring a penalty, but the funds are subject to income tax. "I decided to get a high deductible health plan because I was young, healthy, and I didn't expect my medical expenses to be too high," she said. Brent Weiss, a certified financial planner, told BI that he invests his HSA money in a target-date fund: "I'm not getting fancy. Not touching your HSA funds means covering your medical expenses out of pocket, which is what Grant and the Schlagbaums do.

Persons: —, Amberly Grant, Grant, she's maxed, Brennan, Erin Schlagbaum, HSAs, it's, it'll, Brent Weiss, I'm, you've Organizations: Service, IRA, IRS

☆ CVS is under pressure and considering a breakup. Here's why that could be risky
▼ + stars: | 2024-10-04 | by ( Annika Kim Constantino | Annika Kim Constantino Covers The Biotech | Pharmaceutical Industry For Cnbc Digital. | ) www.nbcnews.com time to read: +13 min

It’s time for a wellness check at CVS Health. But Caremark, in some cases, also funnels drug prescriptions to CVS retail pharmacies, he said. He said a spinoff of CVS’ retail pharmacies would be more likely. A general view shows a sign of CVS Health Customer Support Center in CVS headquarters of CVS Health Corp in Woonsocket, Rhode Island, U.S. October 30, 2023. Those actions will help the company achieve its target of 100- to 200-basis-points margin improvement in its Medicare Advantage business, CVS executives said in August.

Persons: Caremark, ”, eMarketer, Rajiv Leventhal, Karen Lynch, Lynch, Brian Kane, “, ” Jefferies, Brian Tanquilut, Elizabeth Anderson, Anderson, it’s, eMarketer’s Leventhal, ” Tanquilut, Ann Hynes, Tanquilut, “ they’re, they’re, Michael Cherny, Cherny, Faith Ninivaggi, Reuters Cherny, CVS, Tom Cowhey Organizations: CVS Health, CVS, CNBC, Aetna, Monday, Glenview Capital, Glenview, Evercore ISI, UnitedHealth, Humana, Walgreens, Street Health, Oak, Health, Mizuho, Amazon, Walmart, Oak Street, Leerink Partners, Affordable, Medicare, CVS Health Corp, Reuters, Centers, Medicaid Services Locations: U.S, Caremark, Aetna, Texas and Illinois, Woonsocket , Rhode Island

☆ A boomer said he's struggling to survive on Social Security after retiring early to care full-time for his wife
▼ + stars: | 2024-09-25 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

As Americans increasingly rely on Social Security and other retirement income to get by, high medical expenses could throw years of retirement planning out of balance. AdvertisementRetiring early to be his wife's caretakerPapalia had a goal to retire in 2015 at age 65 so he could receive Social Security benefits and have enough saved that money wouldn't be a huge issue. However, in 2010, he retired to care for his wife full-time, taking a buyout from his company that lasted until 2014. Marie's medical care was expensive, and they also cared for two dogs, both of whom had costly medical issues. Scraping by and making sacrificesPapalia receives $2,132 a month in Social Security before taxes and insurance and $1,900 from his pension, while Marie gets $1,113 a month from Social Security.

Persons: —, Robert Papalia, Marie, They're, Papalia, they're, wouldn't, She's, they've, We're, it's, he's Organizations: Service, Business, BI, Social Security, Social, Security Locations: Burlington , New Jersey, New Jersey, Pennsylvania

☆ A boomer who couldn't afford retirement in the US moved to Ecuador and said she's living an 'upscale life on a modest budget'
▼ + stars: | 2024-09-20 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +9 min

She said she went from stressing constantly about retirement to living comfortably, though life is at times lonely. "Between all those things, the result of that wonderful, exciting life was that I didn't save for retirement," Gretchen said. Living comfortably for cheaperWith $3,000 a month and a small brokerage account, Gretchen and her husband live comfortably in Ecuador. Gretchen Kay and her husband live in a newly built condo in Ecuador. In Utah, they paid over $1,000 a year in property insurance and about $1,000 in property taxes.

Persons: Gretchen Kay, Robert, Gretchen, Ecuador Gretchen, wasn't, she's Organizations: Service, Business, Walmart, Social Security, Mayo Clinic, Google Locations: Ecuador, Utah, Canoa, San Vicente, Moab, South America, Peru, Ecuador's, San Diego, Quito, Cuenca

☆ I'm an Amazon manager who found out I was on a Focus PIP after helping an employee
▼ + stars: | 2024-07-14 | by ( Tim Paradis | ) www.businessinsider.com time to read: +9 min

This as-told-to essay is based on a conversation with an Amazon employee who sought to go on medical leave because of a stressful situation that developed with their manager. I got a sense that my manager was potentially going to put me in Focus because of how they were berating me. The entire FMLA process was a hurdle for me. AdvertisementI later heard from my manager while I was on FMLA, and they informed me that I had been put on Focus. To suggest we use our performance management process to drive any other outcome, such as reducing our employee base, is wrong.

Persons: —, we're, It's, Slack, didn't, That's, I'd, Margaret Callahan Organizations: Service, Amazon, Services, Business Locations: copays, FMLA

☆ After struggling to get pregnant, I have 'next child' anxiety
▼ + stars: | 2024-07-02 | by ( Elisa Rowe | ) www.businessinsider.com time to read: +4 min

So when we did not get pregnant after a year, my husband and I began artificial reproductive treatment (ART). I have spoken with people in various support groups I have joined throughout my infertility and pregnancy journey about the next child anxiety. AdvertisementNext child anxiety is a fear of being retraumatized. It is a scale where we weigh the benefits of giving our child a sibling and the joys of having another child to love against the crushing reality of infertility and its treatments. My body has not been my own for two and a half years of treatment and nine months of pregnancy.

Persons: endometriosis Organizations: Service, Business, ART

☆ Drug prices have risen almost 40% over the last decade, according to a new tracker
▼ + stars: | 2024-06-27 | by ( Justine Fisher | ) www.cnbc.com time to read: +2 min

The average American spends $16.26 out of pocket per prescription, according to the data. "Rising costs or rising prices are a big part of it, but it's really that with the combination of increased friction. On average, Americans pay 2 to 3 times more for prescription drugs than consumers in other developed countries, according to the White House. The Biden administration has taken several measures to lower out-of-pocket drug expenses. On Wednesday, the White House announced it would lower prices on 64 prescription drugs for some Medicare beneficiaries as a result of inflation penalties on drugmakers.

Persons: Tori Marsh, GoodRx, Marsh, Joe Biden, Biden, Scott Wagner, — CNBC's Annika Kim Constantino Organizations: House, White House Locations: U.S

☆ Is Pet Insurance Worth It? for Most People, the Answer Is No.
▼ + stars: | 2024-05-23 | by ( Emily Stewart | ) www.businessinsider.com time to read: +12 min

The North American Pet Health Insurance Association found that pet owners in the US paid $3.9 billion in premiums in 2023, a 22% increase from the year before. One thing is for sure: As the industry grows, pet insurance is becoming as confusing and messy as health insurance is for humans. Pet insurance isn't technically even health insurance; it falls in the property-and-casualty category. AdvertisementThe big problem with pet insurance is it's just an expensive productThere are three categories of pet insurance: accident only; accident and illness; and accident, illness, and wellness. Advertisement"It's important that pet owners understand the scope of what their pet insurance does and does not cover, so they're not caught off guard by unexpected payments," he said.

Persons: Gina Papini, Kato, Papini, That's, they've, Kevin Brasler, that's, Dan, Michael San Filippo, they're, Doug Kenney, Kenney, It's, Brasler, she's, Emily Stewart Organizations: American Pet Products Association, Pet Health Insurance Association, American Veterinary Medical Association, Rover, Consumers, Business Locations: reimbursing, Mexico

☆ Many people using GLP-1s for weight loss stop treatment too soon, research shows, and results are not one-size-fits-all
▼ + stars: | 2024-05-21 | by ( Deidre Mcphillips | ) edition.cnn.com time to read: +8 min

Professional organizations have set this as a guideline for when to reassess whether a treatment is providing clinically meaningful weight loss. People who met with their providers less frequently – and those living in underserved regions with broader health inequities – were more likely to discontinue GLP-1 treatment sooner. But using GLP-1 treatments are still an investment in many ways. These injected medications, called GLP-1 agonists, are in high demand because they have proved to be so effective for weight loss. And experts warn that the GLP-1 treatment process can be different for everyone.

Persons: ”, Disha, Wegovy, Jody Dushay, Beth, There’s, Razia Hashmi, ” Hashmi, it’s, “, Dr, Sanjay Gupta, ” Narang, ” Dushay Organizations: CNN, Endeavor Health, Beth Israel Deaconess Medical Center, Harvard Medical School, Shield, Dandelion Health, CNN Health, “ Locations: Chicago, –, GLP

☆ FDA approves Merck's drug for rare, deadly lung condition
▼ + stars: | 2024-03-26 | by ( Annika Kim Constantino | ) www.cnbc.com time to read: +4 min

The Food and Drug Administration on Tuesday approved a drug from Merck designed to treat a progressive and life-threatening lung condition in a win for both the drugmaker and for patients suffering from the rare disease. The condition refers to when the small blood vessels in the lungs narrow. He noted that the drug will be a "paradigm shift" for patients living with PAH. That includes reducing the risk of death or worsening of the condition by 84% compared to an existing drug alone. Those trials include late-stage studies on patients with more advanced PAH disease, and those who are within the first year after diagnosis.

Persons: Chris Schott, Eliav Barr, PAH, Barr, Merck Organizations: Merck, Drug Administration, JPMorgan, CNBC, Acceleron Pharma Locations: Rahway , New Jersey, U.S, Winrevair

☆ I finally invested my HSA money after writing about millionaires who take advantage of a 'triple tax threat strategy.' I could pocket an extra $233,000 by the time I retire.
▼ + stars: | 2024-03-09 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +12 min

After 65, you can use your HSA money to cover any expense without incurring a penalty, but the funds are subject to income tax. I happily used my HSA money to cover the $1,075 bill. An even smarter move would have been to invest my HSA funds (which I eventually did) and not touch them until age 65. I was relieved when Weiss told me that he also invests his HSA money in a retirement date fund. I asked about how often I should be transferring money from my cash account, where my HSA funds land automatically, to my investment account.

Persons: I've, Brent Weiss, Roth IRAs, HSAs, It's, Weiss, Max, don't, Kathleen Elkins, —, I'm Organizations: Business, Vanguard, IRS Locations: That's, Epsom

☆ I'm an American who's lived in Paris for years. These 8 things have really surprised me about living in the French capital.
▼ + stars: | 2024-02-15 | by ( Amanda Rollins | ) www.businessinsider.com time to read: +2 min

Because of France's social security, I spend significantly less on healthcare than I did in the US. Getty ImagesThe most surprising thing about moving to Paris was the realization that healthcare costs significantly less here than it does in the US, where steep copays and premiums are par for the course. Of course, I knew about France's healthcare system before I relocated, but it was something altogether different to experience it firsthand. The US has a mixed healthcare system that doesn't provide universal coverage, so it was quite the change to see France's social security, a government-funded healthcare system, cover every person who permanently resides in the country. Everyone in France contributes to social security, so it isn't free, but the healthcare system reimburses most medical costs.

Persons: I've, begrudgingly Organizations: Getty, US Locations: France, Paris

☆ Millennial millionaires are maxing out an investment account that offers a triple tax benefit. Here's how it works and who's allowed to open one.
▼ + stars: | 2024-02-15 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

BI verified the Schlagbaums' net worth by looking at account screenshots and a copy of their personal balance sheet. The Schlagbaums max out their HSA but don't touch the money so it can grow and compound over time. After 65, you can use your HSA money to cover any expense without incurring a penalty, but the funds are subject to income tax. While they technically can use their HSA funds for medical costs, they opt not to touch that money so it can grow. Like the Schlagbaums, the Keyses could use their HSA funds for their medical costs, but they prefer to pay out of pocket with their cash flow so their HSA funds can remain untouched.

Persons: —, Brennan Schlagbaum, Erin, Brennan, Erin Schlagbaum, HSAs, It's, Schlagbaum, Lauren, Steven Keys, I'm Organizations: Service, Business, Medicare

'Wherever you go, there you are'For DeFelice, covering those living expenses became a grind. Corentin Soibinet for CNBC Make ItAs for living expenses, DeFelice still takes out $120 a week to cover her basic costs and finds ways to limbo under that number. 'I'm here to say you can turn things around'After her return to Austin, DeFelice had been coasting. The part-time work was enough to cover her living expenses, but she's recently bumped up her salary by going full-time. In the meantime, she'll continue to educate others about good money habits through her online course, Best Money Class Ever.

Persons: Carly DeFelice, —, DeFelice, Mercedes, Corentin Soibinet, didn't, they'll, Warren Buffett, hasn't, Soibinet, she's, She's, I've, she'll Organizations: CNBC, University of Texas, Benz, FIRE, Carolinas, West Coast, FinCon Entertainment, Mint Mobile Locations: Austin , Texas, Austin, Hawaii, Omaha , Nebraska, Charlotte, Raleigh, West, Texas, Pacific Northwest, New Orleans, East Austin

☆ It's open enrollment season for health coverage. If you're self-employed, you can't afford to ignore it
▼ + stars: | 2023-11-13 | by ( Cheryl Winokur Munk | ) www.cnbc.com time to read: +6 min

Picking health insurance on your own — without the help of a human resources department — can be daunting. Instead of throwing up your hands in frustration, here are answers to questions self-employed individuals often have about open enrollment. Doing nothing will mean they are automatically reenrolled in last year's marketplace plan. How much health insurance costs the self-employed Cost will vary, depending on the plan you choose, who is covered and what subsidies you're eligible for. If you want more specific help, you can also choose to work with an agent or broker who is trained and certified to sell marketplace health plans in the state they are licensed.

Persons: Anthony Lopez, Alexa Irish, Laura Speyer, enrollees, Lopez, You'll Organizations: Getty, Centers, Medicare, Medicaid Services, U.S . Department of Health, Human Services, deductibles, state's Department of Insurance Locations: trepidation, eHealth

☆ Here are some key open enrollment tips and strategies for employees
▼ + stars: | 2023-11-07 | by ( Annie Nova | ) www.cnbc.com time to read: +9 min

Jimvallee | Istock | Getty ImagesOpen-enrollment workplace checklist ✔ Health insurance ✔ Savings and spending accounts ✔ Dental and vision plans ✔ Life insurance ✔ Disability insurance ✔ Retirement savings ✔ Beneficiary selection1. If your spouse has their own health insurance option at work, you'll want to both sit down and compare the different offerings. Many employees will notice that the health insurance plans offered by their company don't include dental and vision coverage. Consider life, disability insuranceDuring open enrollment, employees will typically also be presented with different disability and life insurance options. Short-term disability coverage is very limited, she said: "Everyone needs long-term disability coverage unless they have enough savings that they could basically retire if they can't work anymore."

Persons: Caitlin Donovan, Gruber, Jean Abraham, Warby Parker, Pat Greenhouse, Abraham, Donovan, you'll, Jonathan Gruber, Louise Norris, Norris, Carolyn McClanahan, McClanahan, Ryan Viktorin, Viktorin Organizations: Istock, Getty, Savings, Patient Advocate, University of Minnesota, Harvard, Boston Globe, Massachusetts Institute of Technology, IRS, Healthinsurance.org, Planning Partners, CNBC's, Pew Research Center, Partners, Fidelity Investments Locations: Cambridge , Massachusetts, Jacksonville , Florida

WASHINGTON (AP) — The COVID-19 treatments millions of Americans have taken for free from the federal government will enter the private market next week with a hefty price tag. Pharmaceutical giant Pfizer is setting the price for a five-day treatment of Paxlovid at $1,390, but Americans can still access the pills at no cost -- for now. The less commonly used COVID-19 treatment Lagevrio, manufactured by Merck, also will hit the market next week. People on private insurance may start to notice copays for the treatments once their pharmacy or doctor's office runs out of the COVID-19 treatments they received from the government. Full-year revenue for Paxlovid and Pfizer's COVID-19 vaccine, Comirnaty, is expected to be approximately $12.5 billion.

Persons: “ Pfizer, Paxlovid, coronavirus, Pfizer's, “, Tom Murphy Organizations: WASHINGTON, Pharmaceutical, Pfizer, Merck, Health, Human Services, The Department of Veterans Affairs, Department of Defense, Indian Health Service, U.S, Associated Press, and Drug Administration, Paxlovid Locations: U.S, Indianapolis

☆ Pfizer to price Covid drug Paxlovid at $1,390 per course
▼ + stars: | 2023-10-18 | by ( Annika Kim Constantino | ) www.cnbc.com time to read: +2 min

Pfizer will price a five-day course of its Covid antiviral drug Paxlovid at $1,390 when the company starts to transition it to the commercial market later this year. A company spokesperson on Wednesday confirmed the price, which was first reported by The Wall Street Journal. But beginning in 2024, Pfizer will sell Paxlovid directly to health insurers, which comes as demand for Covid vaccines and treatments slumps nationwide. But health insurance plans will likely pay much less than the nearly $1,400 list price for Paxlovid, meaning patients will probably have small or no out-of-pocket costs. Overall, Pfizer now expects 2023 sales of $58 billion to $61 billion, down from its previous guidance of $67 billion to $70 billion.

Persons: Angelica Peebles Organizations: Pfizer, Wednesday, Wall Street, Paxlovid, FDA, CNBC Locations: Paxlovid

☆ Mack Trucks workers get 19% raise over 5 years in UAW contract
▼ + stars: | 2023-10-05 | by ( David Shepardson | ) www.reuters.com time to read: +1 min

[1/2] Striking United Auto Workers (UAW) members from the General Motors Lansing Delta Plant picket in Delta Township, Michigan U.S. September 29, 2023. REUTERS/Rebecca Cook/File Photo Acquire Licensing RightsOct 5 (Reuters) - Workers will receive a 19% pay hike over five years under an agreement with Volvo Group-owned Mack Trucks and the United Auto Workers, according to a summary of the tentative agreement seen by Reuters. The agreement includes an immediate 10% pay hike upon ratification. "The terms of this tentative agreement would deliver significantly increased wages and continue first-class benefits for Mack employees and their families," Mack President Stephen Roy said in a statement earlier this week. Mack, founded in 1900, is one of North America's largest manufacturers of medium-duty and heavy-duty trucks, engines and transmissions.

Persons: Rebecca Cook, Mack Trucks, Mack, Stephen Roy, David Shepardson, Chizu Nomiyama, David Gregorio Our Organizations: United Auto Workers, UAW, General Motors Lansing Delta Plant, Michigan U.S, REUTERS, Workers, Volvo Group, Reuters, Volvo, Thomson Locations: Delta Township, Michigan, North America's

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