Tuesday, November 20, 2018

Happy Thanksgiving

In today's healthcare merger and acquisitions news --

  • Reuters reports that CVS Health advised that closing on its acquisition of health insurer Aetna will occur after Thanksgiving as the parties await approval from New York and another state, and 
  • The Wall Street Journal reports that 

Drugstore owner Walgreens Boots Alliance Inc.  and health insurer Humana Inc. are in preliminary discussions to take equity stakes in each other, according to people familiar with the matter, as health-industry players scramble for tie-ups that will help them compete in a rapidly evolving environment.
The companies, which already have a partnership focused on serving seniors from two Walgreens locations, are having wide-ranging talks that also include the possibility of expanding that venture, the people said. Details of the talks couldn’t be learned and there’s no guarantee there will be any new deal between the companies.
The Boston Globe's STAT informs us that
In a long-awaited move, a federal advisory panel is recommending that doctors be encouraged to offer an HIV prevention pill, a step that would quickly expand insurance coverage for a medicine that has been difficult for some people to access due to its cost.
In explaining its decision, the U.S. Preventive Services Task Force determined there is “high certainty” that using the pill would provide a “substantial” benefit for people at a high risk of becoming infected with HIV, the virus that leads to AIDS. The independent panel of experts noted that it found “adequate epidemiologic data” on risk factors that can be used to identify people who are at a high risk of acquiring HIV. 
The preliminary favorable decision -- available here -- is open for public comment. 

Health plans are covering this drug now with enrollee cost sharing. NPR explains 
Since brand-name Truvada was approved for HIV prevention six years ago, its average wholesale price has increased by about 45 percent. Now, the drug — which rakes in billions of dollars in annual global revenue for its manufacturer, Gilead Sciences — carries a list price of close to $2,000 for a 30-day supply.
Most insurers cover treatment with the pill, also known as pre-exposure prophylaxis, or PrEP. It has been shown to be more than 90 percent effective in HIV prevention when the medicine is taken daily, according to the Centers for Disease Control and Prevention.
But patients can get stuck with out-of-pocket costs that make the medicine unaffordable.
Pursuant to the Affordable Care Act, "New or updated [final USPSTF] recommendations are required to be covered without [enrollee] cost-sharing beginning in the plan year that begins on or after exactly one year from the latest issue date. 

A Wall Street Journal editorial points out yesterday that American reliance on generic drugs is saving a lot of money for insurers thanks to improved Food and Drug Administration policies. 
For all the talk of wondrous European health-care systems, the American generics system is the envy of the world. Nine in 10 prescriptions in the U.S. are cheaper generics, which saved $265 billion last year. Compare that with 70% in Canada and less than half in many European countries. The U.S. pays big for breakthroughs but eventually prices fall as competition arrives. Europe enjoys less price discipline.
That's is what is happening with Truvada as the Food and Drug Administration this summer approved a generic version of that drug. The FEHBlog is happy to learn about this drug. Happy Thanksgiving.

Sunday, November 18, 2018

Weekend update

Congress will be out of town this week due to the impending Thanksgiving holiday. Here is a link to the Week in Congress's report on last week's activities on Capitol Hill.

Following up on last weeks's good news on improvements to electronic health record interoperability, Health Payer Intelligence reports that
The health information network Surescripts is using data from both payers and PBMs to give prescribers access to patient-specific and formulary-based benefit and cost information for nearly three-quarters of all covered lives in the country.
At theI point of care, there have been 30 million views of this data which is integrated within electronic health record technology via the Surescripts Network Alliance’s Real-Time Prescription Benefit tool, the organization stated midweek.
EHR vendors representing 77 percent of the market have signed on at this point, including Allscripts, Cerner, and Epic Systems.
Healthcare Dive tells us about a recent Blue Cross Blue Shield Association study on prescription drug costs.
Insurers under the Blues' umbrella, dozens of independently run payers, spent about $100 billion on prescription drugs in 2017, roughly 20% of plans' overall healthcare spending. The figure is 2% higher than it was in 2016, continuing a trend of consistent increases in drug spending since 2010. While generic drugs accounted for 83% of total prescriptions, branded drugs were 79% of total drug spending at $79.5 billion last year.
In this regard, USA Today reports that Pfizer plans to boost the prices of 10% of its prescription drug portfolio on January 1, 2019. 
“...Drug companies raising their prices and offsetting them with higher rebates benefits everyone but the consumer, who routinely pays out of pocket based on list price," Caitlin Oakley, a department of Health and Human Services spokeswoman, wrote in a statement to USA TODAY. "President Trump and Secretary Azar remain committed to lowering drug prices and reducing out of pocket costs, and will continue to take bold action to restructure this broken market."
Prescription drug costs are expected to be a bipartisan item of attention in the next Congress too.

The Wall Street Journal reported last week that Walmart, which has 1,500,000 employees in the U.S.,
said it will require its employees to use certain hospitals for costly spine surgeries, an effort to weed out unnecessary procedures and lower its health-care spending.
The retailer has been trying since 2013 to encourage employees to undergo the surgeries at hospital systems known for their quality by offering to pay the full cost of the procedures and travel. But not all workers took Walmart up on the offer, and the retailer continued to pay for surgery elsewhere.
Walmart decided to mandate the travel, starting in January, after finding that half of the workers who volunteered to travel ended up avoiding the high-cost surgery even though their local doctors said it was needed, said Lisa Woods, who oversees the design of the company’s health plan. * * *
The retailer decided to mandate spine surgeries at certain well-regarded hospitals, such as Mayo Clinic’s around the U.S., Geisinger’s in Pennsylvania and Memorial Hermann Health System’s facilities in Texas, after finding employees who volunteered to travel to the hospitals avoided unnecessary procedures and Walmart saved money, Ms. Woods said.

Friday, November 16, 2018


Tammy Flanagan offers advice on handling the Federal Benefits Open Season via Govexec.com. In this regard, yesterday, the Internal Revenue Service announced that "For taxable years beginning in 2019, the dollar limitation under § 125(i) on voluntary employee salary reductions for contributions to health flexible spending arrangements ["FSA"} is $2,700."  The Affordable Care Act capped the maximum FSA contribution at $2,500 subject to an inflation adjustment. The 2019 inflation adjustment is $50 over the 2018 maximum. According to this OPM website,  OPM will apply this new max to the FSAFeds program which is part of the Federal Benefits Open Season.

November is National Diabetes Awareness Month. Gallup offers a new study on diabetes and obesity rates in our country.

  • No states have experienced declines in their diabetes rates since '08-'09
  • Obesity has climbed in 34 states over same period while declining in none
  • Rising diabetes linked to rising obesity among states.
No bueno, but on the bright side, Modern Healthcare reports that 
CommonWell's new connection to the Carequality framework, which on Friday becomes available to all the groups' participants, promotes interoperability by linking the country's biggest electronic health record vendors, including Epic Systems Corp., Cerner, Athenahealth, Allscripts, and others. Previously, the connection was available on a limited basis.
Members within each of the groups were already linked. But sharing data between the groups—with Cerner on the CommonWell side and Epic on the Carequality side—was more difficult. This new connection changes that, making it easier for providers whose software is enabled by either CommonWell or Carequality to exchange data.
The connection could help lower costs. "We are hopeful that the increased connectivity will give providers the up-to-date patient health data they need to avoid readmission, duplicative and unnecessary tests and lab work, and the costs ultimately associated with those," CommonWell Executive Director Jitin Asnaani said.
The cumulative effect could be large: Together, the two groups' members account for more than 90% of the acute EHR market and almost 60% of the ambulatory EHR market.

Check out this MedPage Today interview with the American Medical Association President Barbara McAneny, M.D.

Q. In your address to the delegates at the AMA interim meeting, you mentioned a patient with prostate cancer that has metastasized to his bones, and said he was doing well on his current drug regimen. That seems like a good example of how far we've come with cancer treatments.
A. He will live for many years. The new drugs are very expensive but they are very good. We just have to make sure they're not priced out of the range of patients who need them, and the easiest way to do that, I believe, is to start looking, with transparency, at what does it cost the manufacturer to research and develop that drug, what does it cost them to create it and make it, how much are they -- what I would consider "wasting" -- on direct-to-consumer advertising, and how much money are the middlemen adding in between when that drug leaves the manufacturer and when it shows up in my office to be delivered to a patient. I've heard estimates as high as half the cost of the drug goes to PBMs and other middlemen. I think we actually need to get to the bottom of it so we're not all guessing as to what those prices are. It would be very nice to actually really know.

Thursday, November 15, 2018

OPM Posts its FY 2018 Agency Financial Report

OPM posted its FY 2018 Agency Financial Report today. OPM's external auditor Grant Thornton gave OPM a clean opinion on its agency financial statements. However Grant Thornton did identify a material weakness in internal controls which should come as no surprise in view of GAO report discussed in Tuesday's Tidbits.
In FY 2018, OPM’s independent auditor reported deficiencies in various aspects of OPM’s information system control environment, including in the areas of security management, logical and physical access controls, and configuration management. Due to the continued existence of these deficiencies, they continue to be reported collectively as a material weakness in OPM’s internal control over financial reporting by the independent auditor.
OPM concurs with the independent auditor’s assessment. Notwithstanding the progress that has been made to mature the OCIO organization and enhance the information system control environment, OPM will continue to actively develop and implement appropriate, risk-based, cost effective corrective plans.
Page 23. Narrative discussions about the FEHBP can be found at pages 100-106, 114, 116, and 123-126.

Tuesday, November 13, 2018

Tuesday Tidbits / Reports, Studies, and Guidelines

The Government Accountability Office reports today that
The Office of Personnel Management (OPM) has made progress in implementing GAO's [information security] recommendations, but further efforts remain. As of September 20, 2018, OPM had implemented 51 (about 64 percent) of the 80 recommendations, but had not provided any evidence, or provided insufficient evidence, to demonstrate implementation of the remaining recommendations.
Nextgov.com points out that
The [OPM] inspector general also noted a “significant deficiency” in OPM’s IT security controls, noting that all the agency’s IT systems had valid security assessments and authorizations but some of those assessments and authorizations included low-quality work and questionable supporting documentation.
A federal appeals court [for the District of Columbia Circuit] is currently considering whether to reinstate a lawsuit brought by two federal employee unions over OPM’s data breach. That suit was scrapped at the federal district court level when a judge ruled the plaintiffs didn’t have standing to sue because they hadn’t suffered any clear harm. [The appellate court heard oral argument in the case on November 2, 2018.]
Chinese government-linked hackers are widely believed responsible for the 2015 OPM breach but U.S. officials have never formally accused the Chinese government of being responsible for the breach. There’s no clear evidence that data stolen in the breach has ever been released on the dark web or used to conduct identity theft.T 
Ten years after enactment of the current federal mental health parity law, Health Affairs considers the state of compliance with that law and how to improve compliance in this article.

Fierce Healthcare discusses a new study on regional health care pricing differences prepared by the Network for Regional Healthcare Improvement (NHRI).
NRHI tracks healthcare costs across six benchmarking areas: Colorado, Utah, Oregon, Maryland, Minnesota and St. Louis, Missouri. In Maryland, for example, costs for patients with private insurance were 20% lower than the national average in 2016, while in Colorado costs were 19% higher than average that year. 
Costs were also below average in St. Louis and Utah, by 6% and 4% respectively and higher by 11% in Minnesota and 4% in Oregon. 
NRHI has been monitoring these cost trends over the past several years and found they’ve remained fairly consistent over the three years of study. * * * NRHI’s team said that having a handle on these trends across different areas makes it clear that the industry can’t find a national, one-size-fits-all solution to the problem.

HHS released the second edition of its Physical Activity Guidelines for Americans.
Notable updates:

  • The previous guidelines stated that only 10-minute bouts of physical activity counted toward meeting the guidelines. This requirement has been removed because all activity counts.
  • There are immediate health benefits, attainable from a single bout of activity, including reduced anxiety and blood pressure, improved quality of sleep, and improved insulin sensitivity.
  • There are more long-term benefits from physical activity, including improved brain health, reduced risk of eight types of cancer (previously two), reduced risk for fall-related injuries in older adults, and reduced risk of excessive weight gain.
  • Physical activity helps manage more chronic health conditions.
  • It can decrease pain for those with osteoarthritis, reduce disease progression for hypertension and type 2 diabetes, reduce symptoms of anxiety and depression, and improve cognition for those with dementia, multiple sclerosis, ADHD, and Parkinson’s disease.
  • There are new key guidelines for preschool children to be active throughout the day to enhance growth and development.  

Sunday, November 11, 2018

Weekend update / The excitement is palpable

Tomorrow is opening day for the Federal Benefits Open Season, and federal employees will have a holiday to think things over.  As the FEHBlog has noted, OPM FEHB plan comparison tool has been running at least since last weekend and the Consumers' Checkbook's FEHB plan comparison tool geared up for 2019 this weekend.  OPM's tool is publicly available. Consumers Checkbook charges a fee for its tool although many federal agencies and the Postal Service offer the tool to their employees at no cost.

Federal News Network also offers a few words of wisdom to folks who are eligible for the Open Season. The FEHBlog noticed today that OPM is updating its Facebook page more frequently than the news section its own website.

The current FEHB Open Season will end "at 11:59pm, per the location of your electronic enrollment system, on Monday December 10, 2018."

Congress returns to Washington DC this week.

While it comes as no surprise to the FEHBlog, Modern Healthcare reports on early successes for association health plans which the Trump Administration made available earlier this year so that small employers can opt for coverage under the ACA's more flexible, but not too flexible rules for large employers. One of those early successes is a self-funded association health plan created by the Land O Lakes farm cooperative (yes the same company that sells butter.) The Land O Lakes association health plan which Minnesota law authorized in 2017 has been extended to Nebraska under the Trump Administration rule.

Also last week, the Leapfrog Group released its Fall 2018 hospital patient safety grades.

Thursday, November 08, 2018

Thursday Thoughts

Of course, as we know, the mid-term elections resulted in divided government with the executive branch and the Senate remaining in Republican hands and the House of Representatives moving to  Democrat hands. The new Congress assumes office in early January 2019. The current Congress will be holding a lame duck session beginning next week.

In Tuesday's Tidbits the FEHBlog highlighted a Healthcare Dive interview with Geisinger Health Systems's CEO David Feinberg. The Wall Street Journal reports tonight that Dr. Feinberg who was wined and dined by the new Amazon healthcare operation, has decided to take a top healthcare position with Google. "Geisinger said that current chief medical officer Jaewon Ryu, an emergency-room physician and former executive at health insurer Humana Inc., will become the system’s acting president and CEO on Dec. 1. Dr. Feinberg will aid with the transition and depart Jan. 3."

Last Friday, the FEHBlog pointed out an Oliver Wyman study finding the people trust their own doctors over their insurance companies. Hardly surprising. The FEHBlog was not intended to know health insurers but rather to point out that the quality oriented messaging of health insurers is  presented by their members' doctors. In that regard, MedPage Today reports on recent remarks from the HHS Secretary Alex Azar. The FEHBlog was struck by fact that the Secretary "highlighted the role of physicians and other clinicians not as 'gatekeepers' but as 'navigators' of the healthcare system." Bingo. The Secretary also noted that his department intends to start experimenting with mandatory bundling of oncology for Medicare patients.

MedPage Today also reports on a panel discussion looking at patient safety nearly twenty years after the landmark report To Err is Human. Our health care system apparently still has a long way to go.
In a recent Health Affairs study, Aiken and colleagues assessed safety at 535 hospitals in four large states during two time points between 2005 and 2016, and reported that the results were "disappointing." Only 21% of the hospitals showed "sizeable improvements" in "work environment scores" while 7% saw their scores worsen, [Linda] Aiken, PhD, RN, professor and director of the Center for Health Outcomes and Policy Research at the University of Pennsylvania in Philadelphia] said. 
Another 71% of hospitals "basically remained the same," she said.\ 
Aiken also reported a similar lack of improvement in patient safety measures at hospitals that showed little improvement in their work environment. In the study, about 30% of nurses graded their own hospitals "unfavorably" on measures of patient safety and infection prevention and about 31% of nurses had high scores on the Maslach Burnout Inventory.
Finally, Healthcare Dive tells us about a U.S. Department of Agriculture report finding that the fundamental problem with using telehealth in rural communities is the lack of adequate broadband internet coverage. From the USDA report --
"In-home broadband Internet access, whether by choice or happenstance, may not have been a significant factor in 2015 for either rural or urban residents. Many still conducted health activities although they had no Internet subscription," the report says. "Health providers, however, continue to improve their offerings, so needs for high-quality household broadband service will likely increase if patients are to avail themselves of these new services, especially in rural and poor areas where lower quality broadband Internet service tends to be more common."

Tuesday, November 06, 2018

Tuesday Tidbits / Happy Election Day

Healthcare Dive reports that "Pharmacy giant CVS Health said the expected close date for its $69 billion megamerger with Aetna will be before Thanksgiving as the deal awaits regulatory approval from five states."  Both companies are involved with the FEHBP.

Health Payer Intelligence discusses 3rd quarter 2018 earnings reports from Aetna, Cigna, and Centene.

Healthcare Dive also offers an interview with the CEO of the  Pennsylvania-based Geisinger Health System which also participates in the FEHBP.

Yesterday, the Internal Revenue Service announced an adjustment to the Patient Centered Outcomes Research Institute funding fee imposed on health insurance issuers and self funded health plan sponsors including all FEHB plans. The PCORI fee for policy years and plan years that end on or after October 1, 2018, and before October 1, 2019, is $2.45 per covered life. That's up six cents from last year's rate of $2.39 per covered life. 

Health IT Security discusses the HHS Office for Civil Rights October newsletter with HIPAA Privacy and Security Rule compliance tips. 

In an interesting development, TRICARE, the military healthcare program for dependents and retirees, will be holding its first open season beginning next week according to Federal News Network (previously Federal News Radio). "In addition to healthcare, dental and vision care for TRICARE retiree beneficiaries will be transferred to the Federal Employees Dental and Vision Insurance Program (FEDVIP). Retirees will be able to choose from 10 different dental carriers and four vision carriers. Signing up for vision and dental is a completely separate open season and not through the TRICARE system."

Sunday, November 04, 2018

Weekend Update

Congress is out of town until early next week following Tuesday's mid-term elections. The lame duck session will last until mid-December. 

On Friday, according to this NPR report, the Food and Drug Administration approved a potent new opioid, AcelRx's Dsuvia for marketing.  The drug should be available in hospitals early next year. AcelRx anticipates $1.1 billion in annual sales. 
Dr. Pamela Palmer, an anesthesiologist and co-founder of AcelRx, argues that the risk of diversion — when drugs end up with people who are not the intended patients — is low with Dsuvia because it will not be dispensed to patients at pharmacies. Instead, health care providers will only be able to use it in medical centers, she says, arguing that few people misuse drugs from those settings.
On the other hand,
"We may find a niche for [Dsuvia] but it's not like we need it, and for sure, at some level, it's going to be diverted," says Dr. Palmer MacKie, assistant professor at the Indiana University School of Medicine and director of the Eskenazi Health Integrative Pain Program in Indianapolis. "Do we really want an opportunity to divert another medicine?" 
Fair question.

The Wall Street Journal reports that the State of North Carolina is replacing its state employes' health benefit program's negotiated contract based preferred provider program (used in the FEHBP) with a take it or leave it contract arrangement paying a fixed multiple of the Medicare program's fee schedules beginning in 2020. The State expects the new transparent arrangement to save "around $300 million a year and workers an additional approximately $66 million annually, Mr. Folwell’s [the State Treasurer's] office said."

The state’s employee health plan has an annual budget of around $3.3 billion.
The effort faces serious challenges because of hospitals’ clout. In some parts of North Carolina, big systems of hospitals have large market share, while small towns may have only one hospital. The state may find it difficult to assemble a network of hospitals across the state willing to take its rates.
If hospitals refuse to accept the rates that Mr. Folwell wants, the state plan says it will simply not include them in its network of providers. Yet that could leave workers who use those hospitals exposed to huge bills, because hospitals might demand they pay full charges, without the discounts that insurers typically negotiate. 
Basing out of network coverage on a multiple of Medicare pricing is commonplace. This take or leave it approach, however, is bound to to shift costs onto other employer sponsored health benefits program in North Carolina with less negotiating clout. 

OPM's FEHBP Open Season Web Site is LIVE

Check it out. The Federal Benefits Open Season begins next Monday, November 12.

Friday, November 02, 2018


Fedweek has a story that follows up on yesterday's FEHBP significant changes post

CMS has finalized two big Medicare rules for 2019:

  • The CY 2019 physician fee schedule and quality payment program rule.  Becker's Hospital Review summarizes the rule here, and Healthcare Dive analyzes the rule here, and
  • The CY 2019 Outpatient Prospective Payment System rule.  Healthcare Dive analyzes the rule here. The American Hospital Association plans a lawsuit over the rule's effort to level out the payments between hospital outpatient clinics and other clinics. 
St. Louis Today reports that "Cigna Corp. said on Thursday its $52-billion acquisition of pharmacy benefits manager Express Scripts Holding Co was on track to close by the end of the year."  (Express Scripts is headquartered in St. Louis.)

MedPage Today expects that Congress will reauthorize the Patient Centered Outcomes Research Institute with "a few tweaks."

Health Payer Intelligence reports on a Oliver Wyman survey finding increasing consumer dissatisfaction with high deductible plans combined with health savings accounts. The conclusion of the article is striking:
The [Wyman] team said that HDHPs don’t offer the ability to address key consumer satisfaction concerns. Payers trying to tailor benefits to consumers may need to consider new ways to redesign health plan options and to garner trust with beneficiaries. 
The survey found that consumers have extremely little trust in their insurers, rating payers a zero on a scale of 0 to 100.  Consumers are more likely to place their trust with providers.  Eighty percent of consumers said they believe providers work to assist in consumers’ healthcare goals 
“The key lies in understanding the balance consumers perceive between what they already trust, what they might learn to trust, and the incentives – not just in cost and convenience, but in solving pressing concerns health organizations have not addressed,” the team concluded. 
“The new health services landscape becomes much more attractive if it provides new benefits for consumers. We need to spend much more time figuring out what those benefits need to be.” 

Thursday, November 01, 2018

2019 Significant FEHB Program Changes

Thanks to Fedsmith and surprisingly not to OPM.gov. the FEHBlog ran across this OPM list of significant FEHB Program changes.

Tuesday, October 30, 2018

Tuesday Tidbits

OPM's online organization chart has disappeared from its website, but a reasonable substitute can be found in the agency's online contact list.

Kaiser Health News offers an interesting article on a large scale allergy test for which Stanford charged a state employee patient over $48,000. The insurer paid around $11,000 to this in-network provider which left the patientwith about $3,000 in coinsurance. She was able to negotiate the coinsurance down to about  $1,500.  The article advises that
Insurers often tell patients to “shop around” for the best price and to make sure they choose in-network providers to avoid surprises. [The patient] did everything right and still got caught out. As a state employee, she had great insurance and Stanford was an in-network provider.  [The patient] said her doctor warned her the test would be expensive, but she never anticipated that could mean close to $50,000. So don’t be afraid to ask for specific numbers: “Expensive” and “cheap” can have hugely different meanings in the high-priced U.S. health system.
Well put.

Drug Store News tells us about a Walgreen's survey on American attitudes toward the flu shot. 70% of those survey plan to get the vaccination. Get a load of this though --
The survey also found that despite the severity of last year’s flu season — one of the worst in recent years — some 37% of respondents said they had gone to work while suffering from the flu. Additionally, 2-in-5 of those surveyed said they stay home to protect themselves from the flu.
No bueno.

To cap off cybersecurity month, the Department of Health and Human Services today announced  the official opening of the Health Sector Cybersecurity Coordination Center (HC3) at HHS headquarters in Washington, DC.  "The HC3’s role is to work with the sector, including practitioners, organizations, and cybersecurity information sharing organizations to understand the threats it faces, learn the bad guys’ patterns and trends, and provide information and approaches on how the sector can better defend itself."

Sunday, October 28, 2018

Weekend update

Congress remains on the campaign trail this week.

Healthgrades created a national health index ranking major U.S. cities by factors such as access to care, population health, hospital quality, and local specialists. Rochester Minnesota is number one on the index. Healthcare Dive offers its analysis of the index here.

The Health Care Cost Institute created a healthy marketplace index. Healthcare Dive explains that the index "documents variations in healthcare prices across 112 metro areas in the United States found that overall prices are lowest in Baltimore, where rates were 33% below the national average in 2016, and highest in Anchorage, Alaska, and San Jose, California, where rates were 65% above the national average in 2016." Baltimore ranked fifth on the Healthgrades index.

The FEHBlog has been writing for the American Bar Association's health law section this year. Here's a link to his latest article on Association Health Plans.  The FEHBlog is pleased with the Administration efforts to give more healthcare choices to employers and consumers.

On the cybersecurity front:

  • The Department of Health and Human Services Office for Civil Rights has rolled out a new version 3.0 of its information technology security assessment tool
  • The Federal Trade Commission has released cybersecurity tools for non-profits and small and midsized businesses.