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News Graphic - 11/03/2016 Page : A01 Copyright © 2016 Conley Publishing Group. All Rights Reserved. 11/03/2016 November 3, 2016 7:48 pm (GMT +5:00) Powered by TECNAVIA ‘Obamacare’ needs to be fixed, expert says By Gary Achterberg News Graphic Staff MEQUON — With enrollment for the Affordable Care Act launching for a fourth year this week, a local expert said the health coverage typically called Obamacare is sick, but still has a pulse. “What has changed is the premiums have gone up; the real story is why,” said Jon Rauser, owner of The Rauser Agency, which has offices in Mequon and down- town Milwaukee. Rauser expanded his business several years ago to assist individual consumers in shopping for ACA plans. That is in addi- tion to his traditional business of working as a broker of health insurance to small businesses. As ACA enrollment begins, Rauser said consumers will find they have fewer choic- es. And, while the cost of plans has increased, he said the impact will not hit as hard for those who earn less than $46,000 annually and qualify for a subsidy. “It’s expensive, but if you’re getting a sub- sidy the world isn’t coming to an end,” he said in an interview with the News Graphic. A recent study by the Henry J. Kaiser Family Foundation found that the cost of a benchmark mid- level “silver” ACA plan in Milwaukee is increasing 16 percent from $326 to $379 a month. With the tax credit applied, the cost remains stable, going from a current $208 to $207 next year. Even though two of the big players – Humana and UnitedHealthcare – have pulled out, there are six insurance companies mar- keting ACA plans in Ozaukee County, includ- ing a new option, Children’s Community Health Plan. That is more choice than in many parts of the country, he said. Rauser added many will see less flexibili- ty as most plans limit consumers to narrow networks of physicians and hospitals. “If you want Aurora and Froedtert, forget about it,” he said. “There is no carrier in the individual marketplace who has it.” Subsidies help mute significant rate hikes Rauser See PLANS, PAGE A7

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News Graphic - 11/03/2016 Page : A01

Copyright © 2016 Conley Publishing Group. All Rights Reserved. 11/03/2016November 3, 2016 7:48 pm (GMT +5:00) Powered by TECNAVIA

Photos by Mark Justesen

The game is on toname the newParkview ElementarySchool bullpup mas-cot in Cedarburg.Students took part inschoolwide votingWednesday, similarto the presidentialelection. The namesthey have to choosefrom in this case,however, are Harri-son, Rocket, Bolt,Buster, Lucky, Biscuitand Parker. The win-ner will be revealedtoday as kids under-take a schoolwidescavenger hunt thatincludes a puzzlepiece for each stu-dent. The pieces willbe put together,unveiling the pup’sname. Right, theunnamed mascot ispictured with a list ofhis potential names.

TO SUBSCRIBE TO THE NEWS GRAPHIC, CALL 262-306-5000

Thursday, November 3, 2016

Details and costs of the final tworeferenda plans for Graftonschools will be revealed.

Coming Tuesday

Ozaukee County’s Newspaper Since 1883NEWS GRAPHIC$1

89$in COUPON

SAVINGSinside today!

More than

Local athletes compete in crosscountry meets in WisconsinRapids.

A run at state

INDEXClassified . . . . . . . . .B8-9Community . . . . . . . . . . .B4Education . . . . . . . . . . . .B5News . . . . . . A3-5, A7-8, B7Obituaries . . . . . . . . . . . .A8Opinion . . . . . . . . . . . . A6-7Ozaukee people . . . . . . . A2Religion . . . . . . . . . . . . . .B6So Oz. . . . . . . . . . . A9, B10Sports . . . . . . . . . . . . . B1-3

Volume 134, No. 88 • 20 pages

Page B1

The ebbs and flowof government

By Alison HendersonNews Graphic Staff

CEDARBURG — As thecity of Cedarburg grappleswith a proposed 11.9-percenttax levy increase for 2017, anumber of departments aregrappling with staffing chal-lenges.

Over the course of the lastseveral months, departmentheads preparing their bud-gets for the coming yearhave brought requests to thecity, many accompanied bycautions that staffing hasbecome more challengingand growing workloads arebecoming more difficult tocomplete.

At the July meeting of thePersonnel Committee –which forwards recommen-dations to the CommonCouncil for final decision –the fire chief and director ofParks, Recreation and

Forestry requested consider-ations for new paid positions.The city administrator/trea-surer discussed considera-tions to separate the admin-istrator/treasurer role backinto two positions, as citydevelopment and activitybegin to pick back up afterthe recession, according tomeeting minutes.

No action was taken atthat time, but their requestsfor new part-time, full-timeor temporary positionsreturned to the committee’sOctober meeting along withwage increase requests forpositions in the PoliceDepartment and BuildingInspections. These would bein addition to a 2-percentwage increase already bud-geted for all employees inthe proposed 2017 budget.

Council member JohnCzarnecki, who has been onthe Personnel Committee

for several years, said it isnot unusual to see thesetypes of requests this timeof year (budget season).

“These are the normalebbs and flows of city gov-ernment,” he said.

“I think the departmentheads bring stuff to us whenthey think they need some-thing,” said council member

Some Cedarburg department headssay its time for more staff

‘Obamacare’ needs to befixed, expert says

By Gary AchterbergNews Graphic Staff

MEQUON — With enrollment for theAffordable Care Act launching for a fourthyear this week, a local expert said thehealth coverage typically called Obamacareis sick, but still has a pulse.

“What has changed is the premiumshave gone up; the real story is why,” saidJon Rauser, owner of The Rauser Agency,which has offices in Mequon and down-town Milwaukee.

Rauser expanded his business severalyears ago to assist individual consumersin shopping for ACA plans. That is in addi-tion to his traditional business of workingas a broker of health insurance to smallbusinesses.

As ACA enrollment begins, Rauser saidconsumers will find they have fewer choic-es. And, while the cost of plans hasincreased, he said the impact will not hit ashard for those who earn less than $46,000annually and qualify for a subsidy.

“It’s expensive, but if you’re getting a sub-sidy the world isn’t coming to an end,” he

said in an interview with theNews Graphic.

A recent study by theHenry J. Kaiser FamilyFoundation found that thecost of a benchmark mid-level “silver” ACA plan inMilwaukee is increasing 16percent from $326 to $379 amonth. With the tax credit

applied, the cost remains stable, going froma current $208 to $207 next year.

Even though two of the big players –Humana and UnitedHealthcare – have pulledout, there are six insurance companies mar-keting ACA plans in Ozaukee County, includ-ing a new option, Children’s CommunityHealth Plan. That is more choice than inmany parts of the country, he said.

Rauser added many will see less flexibili-ty as most plans limit consumers to narrownetworks of physicians and hospitals.

“If you want Aurora and Froedtert, forgetabout it,” he said. “There is no carrier inthe individual marketplace who has it.”

Subsidies help mute significant rate hikes

Rauser

See PLANS, PAGE A7

Enrollment rising, health insurance costs frozen

By Alison HendersonNews Graphic Staff

CEDARBURG — The CedarburgSchool Board got good news Oct. 26when it voted to approve the 2016-17tax levy and budget revisions for theschool district.

Final numbers for enrollmentdata, state aid and property values– which come in after the begin-ning of the school year – are nowin place, allowing the district tomake adjustments and some bud-get proposals.

“The good news is that our bud-get’s more favorable, I would say,compared to where it was last month

at the budget hearing. Our enroll-ment’s on the rise, our 4K is higherthan what we were budgeting for ini-tially,” Director of Business ServicesBen Irwin said, adding that both res-ident enrollment and open enroll-ment are up as well.

Benefit renewals, originally bud-geted for a 5-percent increase, cameback at a 4-percent increase for den-tal and no increase for health.

“All of those factors add addition-al revenue to the district that can beused to offset the current expenses,”he said.

Though the total $21,677,368 levyfor the Cedarburg School District isslightly higher than anticipated, it

is still a 0.12-percent decrease from2015-16.

The mill rate for the 2016-17 schoolyear, originally estimated to be$9.44, will be $9.54, a 3-percentdecrease from last year. This meansa homeowner with a house valuedat $300,000 will see an average sav-ings of $89.38 compared to last year.

One new factor this year is anapproximate $18,300 designation ofthe tax levy to fund private schoolvoucher students in the district.

The total budget for all funds is$39,764,886. The budget is balanced,according to Irwin; however, a littlemore than $1 million from the fundbalance will be used for an LED

light project and renovations toschool tennis courts.

School Board member RickLeach noted that the use of thefund balance for the two projectswas not frivolous, pointing out theLED project has an estimatedreturn of less than five years andis expected to generate more than$200,000 in savings annually, andthe tennis court renovation was anapproximate $450,000 cost theschool district requested to sharewith the city, though the city votednot to contribute.

Favorable factors help Cedarburg School District lower levy, tax rate

See BUDGET, PAGE A8

Kindergartners in MonicaOlson’s class cast their votes toname the new Parkview Elemen-tary School bullpup. In the fore-front are Sophie Dorgan andGavin Rogahn. Assisting isschool psychologist BrooklynJustinger.

Votes cast to name new Parkview bullpup

See STAFF, PAGE A8

“Sewer andambulanceservices:those are

critical ser-vices thatare just at the top of

the list.” –Jack Arnett,

Cedarburg Common Councilmember

News Graphic - 11/03/2016 Page : A07

Copyright © 2016 Conley Publishing Group. All Rights Reserved. 11/03/2016November 3, 2016 7:50 pm (GMT +5:00) Powered by TECNAVIA

By Meanie BoyungNews Graphic Staff

GRAFTON — The GraftonVillage Board approved theComprehensive Plan Updateduring its meeting lastmonth.

The unanimously approvedthe plan, which updatesGrafton’s zoning maps andmakes them more specific,lays out a more comprehen-sive future use map for thePort Washington Road corri-dor and details future possi-bilities for a variety of infilland redevelopment sitesthroughout the village.

One of the main aspects ofthe plan was the update to thevillage’s housing plan. Thevillage’s previous housingpolicy allowed only multifam-ily development in certainareas, downtown and thesouth commercial district.

The policy creates aplanned neighborhood:rather than specifying whichproperties allow which spe-cific type of housing, areasare planned neighborhood,allowing at least 64-percentsingle-family developmentwith up to 16-percent two-family and 20-percent multi-family residential units.

The Comprehensive PlanUpdate has been worked onthroughout the year, includ-ing community workshops,resident input and presenta-tions on the plan to the townand village boards. Becauseof how the housing policyworks, based on proportions

rather than specific per-property zoning, developerswould be able to exercisegreater flexibility and havevariety in how they build.Much of the village’s plan-ning area that the plannedneighborhood is applied to iscurrently within the town;developers can apply toannex into the village ifthey purchase property adja-cent to the village.

The narrower networks are designed to manage care.Rauser suggested that, in some ways, that is a good thing.

“It’s a better thing to have a health insurance companyget to know you over a number of years,” he said, using anexample that the insurer can reach out to a customer andtell them they haven’t had their annual physical or a flushot, for instance.

“Managed care over a long period of time is a better wayof managing costs than switching carriers every year,” hesaid.

Rauser said that the rising cost of health care is the cul-prit behind much of the increase in premium costs.

“What I would love to have the public understand is theinsurance companies are just utilities now,” he said.“You’re not allowed to lose money and you’re not allowedto have an excessive profit.

“There are strict corridors – and they’re simply passingthrough costs to the consumers,” he added. “The premi-ums are high, but the cost of health care is high.”

Rauser suggested that are some changes that Congress

can make to the ACA that could have a significant impacton its health going forward. He said the premiums foryounger, healthier individuals have been increased dra-matically. He said Congress needs to moderate that. Headded that penalties need to increase for those who do nothave health insurance to encourage younger people to getcovered.

He added that “a risk-sharing mechanism” that wouldhave the government stepping in with catastrophic claims“would be a huge initiative.”

“You have to give (insurers) the tools to manage therisks,” he said. “The opportune time to do it is after Nov. 8(the election). There is a short period of time when we canstop playing politics with the health care law.”

Rauser said that despite the calls from some politicians,the Affordable Care Act, in some form, is here to stay.

“You’re not going to throw the law away,” he said.“You’re not going to go back to a time when insurancecompanies are allowed to apply pre-existing conditionslimitations. That horse is out of the barn.”

Email: [email protected]

American business. The D.C. insiderbelieves in deploying bureaucrats todespotically regulate American busi-ness. New York businessman believesin national and individual sovereign-ty, whereas the D.C. insider believesgovernment is master or landlord ofits citizenry and the recompense oftheir labor is what governmentdecides. New York businessmanviews the American citizenry andtheir various employments with themost perfect liberty. The D.C. insiderviews the American citizenry withcontemptuous regard, as the massesthat cannot manage their own affairs,so must submit to central authority.Lastly, the New Yorker believes in reli-gious freedom in the public square.The D.C. insider said in 2015, Women’sWorld Summit, “Laws have to bebacked up with resources and politicalwill. And deep-seated religious beliefshave to be changed.” Does the candi-date mean by force?

Serious study of each party plat-form and candidate policies revealseach candidate’s world view of thegovernment’s relationship to its citi-zenry. See full text of platforms at:https://democrats.org/party-plat-form and https://gop.com/the-2016-republican-party-platform/.

Ask yourselves, American taxpay-ers, if you’d like to live under aMachiavellian autocrat or prefer arepublic where people rule them-selves? You know the two candidates’names. The choice for liberty is –Trump!

Barbara C. DuffGrafton

The biggest lie in the 2016 presidential election

To the editor:In an election cycle dominated by

lies from both primary candidates,many people have avoided responsibledecision-making by accepting as per-sonal truth information found onsocial media and biased news sources.We must still strive to find truth inthis election, no matter how much

others try to obscure and distort it.Perhaps the most noteworthy lie is

that a vote for a third party candidate(like Dr. Jill Stein of the Green Party)is a wasted vote since 48 states and theD.C. give 100 percent of their state’selectoral votes to the winner of thatstate.

The truth is that the Federal Elec-tion Commission says that “A new orminor party candidate receives politi-cal funding after the election ifhe/she receives 5 percent or more ofthe vote,” and “In a general election,the national spending limit formajor party candidates andnew/minor party candidates isexactly the same.” Even if you dis-agree with a third-party position,platform or its candidates for 2016, avote for third party candidates nowcan bring that candidate/party tothe 5-percent popular vote level. Atthat point the party can begin tocompete financially and become aviable choice in 2020 and beyond,representing and working for theaverage American as opposed to cor-porations and the wealthy 1 percent.

Some argue that both Democrats andRepublicans are now just two arms of asingle dysfunctional system, and FDRsaid 80 years ago, “There are manyways of going forward, but only oneway of standing still.” A viable thirdparty will bring new choices, and alongwith it renewed hope and the statedobjectives of delivering affordablehealth care for all as it exists in virtual-ly every other civilized country and alivable minimum wage. Many of usbelieve that the true “wasted vote” inthis election is one for either Clinton orTrump.

Mike LobergCedarburg

Kranstover ignored the factssurrounding Clinton

To the editor:The summary on the shape of our

country was excellent. Strange,economist Peter Kranstover ignorescauses and impact of the nation’sdebt. His response betrays his role of

educator and economist at MU as heridicules, distorts and misleads. Con-sider three examples:

■ Declined military strength. PKignores reality. Army ground forcedue to President’s sequestration willdecline from 566,000 to 420,000 in 2019despite a 23-percent increase indemands. Air Force, F-22 fleet needs750, actual 200; newer F-35 fleet250/100. Marine Aviation’s Stallionsfleet 276/42. Navy, required vs. cur-rent: total amphibious force 54/30;attack submarines 86/52; ballisticmissile defense-capable ships 77/33;and advanced BMD, 40/4. Is, therefore,unable to provide sea control.

These levels create greater risk for:unnecessarily longer wars; largernumber of wounded and killed; anddefeat of our forces (our defeat).

■ Immigration. His responseignores these realities. Of the 11- to12- million illegals, 20,000 were takeninto custody by U.S. Immigration andCustoms Enforcement, convicted ofcrimes, including homicide, werereleased without explanation (trans-parency?). Formal deportationsdropped to 231,000 in 2015 from 438,000in 2013. “Returns” at 178,000 is thelowest since 1967.

Further, Obama mandated: there beno prosecution or enforcement of fed-eral law requiring removal and depor-tation of illegals; and the Social Secu-rity Administration and DHA providethem with Social Security numbersand employment documents or workfor three years. Federal lawsuits seekto force states to provide such alienswith driver licenses.

■ His support for Clinton ignores: atage 27, fired as a staff attorney for thecommittee investigating Watergate forengaging in self-serving unethicalpractices; her admiration for and studyunder Saul Alinsky; her decisions andlies about Benghazi; her tyranny, e.g.“deep-seated cultural codes, religiousbeliefs … have to be changed” regard-less of personal conscience re: tax-payer-funded abortions and progres-sives’ marriage definition.

Lee JostCedarburg

THURSDAY, NOVEMBER 3, 2016 • NEWS GRAPHIC • A7GMTODAY.COM OPINION / LOCAL

Letters to the EditorContinued from Page A6

Hayes: Park should berestored the way Hornintended

on that would interfere withthe view and enjoyable useof the property. ...”

For 60 years, Adlai HornPark has shined like anemerald in the crown ofColumbia Road. It is thesite of Little League base-ball and tennis. It is wherekids and adults fish fornorthern pike, rock bass,bluegill and carp, thoughthe fish are too fouled withpollution to eat. The allureof the creek is capturedevery summer on canvas byartists participating in theannual Plein Air event spon-sored by the CedarburgArtists Guild.

Two 1992 decisions helpedprotect Columbia Road.State Highway 57 wasrerouted from WashingtonAvenue and Columbia Roadto Interstate 43, taking itssemis with it. ThenColumbia Road from Wash-ington Avenue to Keup Roadwas designated a NationalHistoric District for itsarchitectural diversity andfor “the largest concentra-tion of limestone buildingsin the city.”

Today the park and neigh-borhood face seriousthreats. Mercury MarineCorp., whose Cedarburg fac-tories years ago pollutedCedar Creek with PCBs, adurable industrial com-pound suspected in cancerand birth defects, began twoweeks ago to remove con-taminated silt and soil fromthe creek, the mill pond andthe flood plain, a job thatwill require at least a year.

Cleaning the creek is nec-essary and welcome in thelong run. But the contrac-tors will wreck the park,including cutting the treesand removing all structures.When finished, the compa-ny is obliged to restore thepark as much as possible toits present state.

Cedarburg Select, a pri-

vate, nonprofit organizationthat manages youth base-ball for the city’s recreationdepartment, sees this as anopportunity to build a sec-ond, larger baseball dia-mond, essentially occupy-ing the entire 5-acre park tothe exclusion of almost allother uses. This also wouldincrease traffic, parkingand congestion onColumbia Road.

Most Columbia Road resi-dents are horrified. A recentpetition garnered more than90 signatures of Cedarburgcitizens who oppose thebaseball plan on groundsthat it “would intrude onthe natural beauty andpeacefulness of the park …directly violating the wish-es of Adlai and LenoreHorn. ...” The issue willcome before the Parks andRecreation Board nextWednesday.

Mary Jo Wirth is especial-ly opposed. Her mother wasraised by Adlai and LenoreHorn, whom Mary Jo callsgrandparents. She lives inthe 1931 Horn home directlyover the tennis courts thatoccupy the land that was theformal Horn garden.

She has her own dream.An accomplished pianistwho has coped with multi-ple sclerosis for 23 years,she would like to see thepark made accessible to dis-abled persons, perhaps for alittle creekside fishing, per-haps the childlike joy of awheelchair swing.

“It would be Cedarburg’sadult disabled accessiblepark,” she said. And that,she added, would be in keep-ing with the generosity ofAdlai and Lenore Horn, whowanted everyone to enjoythe park.

Paul Hayes is a profession-al writer who has authoredseveral published articles onCedarburg’s ColumbiaRoad. He lives four housesfrom Adlai Horn Park inCedarburg.

Continued from Page A6

Plans: Affordable Care Act here to stay, expert saysContinued from Page A1

NeighborsTo share information on the achievements and honors of our friends and community members in Neighbors,

contact Lisa Curtis at 262-305-8934 or [email protected].

Grafton board OKs new comprehensive plan

A Cedarburg Christmas

Christmas in Cedarburg is a magical time.Christmas in Cedarburg is a magical time.

Check out the Check out the ““A CedarburA Cedarburg Christmasg Christmas” section

in the Nin the November 1ember 15 NEW5 NEWS GRS GRAPHIC to see whatAPHIC to see what

this charming town has to o er for those specialthis charming town has to o er for those special

holiday events andents and

gift ideas.gift ideas.

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In addition, employers need to keep copies of worker healthcoverage for at least three years past the deadline for filing the1094 and 1095 documents reporting employers insurance data.

It’s a little different for individuals. The IRS generally won’t needanything three years older than the tax-filing deadline, but somestates have up to four years to initiate an audit. Most expertsrecommend keeping returns and supporting documents for at leastfive years. Warning: the IRS has up to six years to snoop around ifyou’ve neglected to report more than 25 percent of your income.Also, keep records showing the basis of real estate, stocks andsuch, plus Form 8606 documenting nondeductible IRAs.

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