Managing Stress | HEALTHY @ HOME

Managing Stress | HEALTHY @ HOME

Managing Stress | HEALTHY @ HOME

As if the holidays weren’t enough, we’re now in the midst of another surge in the Coronavirus pandemic. 2020 has been stressful. Join licensed professional counselor, Janae Combs, as she gives us some practical advice and tips for managing stress in a healthy way.

To learn more about the Healthy @ Home series and see additional videos click here

We are driven by a belief – supported by experience and research- that people from all walks of life are more likely to flourish if they have an intact, healthy family and strong relationships.


To learn more about how the Healthy Families Initiative is active in the community, click here

Acceptance of the New Normal | HEALTHY @ HOME

Acceptance of the New Normal | HEALTHY @ HOME

Acceptance of the New Normal | HEALTHY @ HOME

As we enter the holiday season it’s important to recognize the changes that have taken place in 2020, and are shaping the way families are gathering for celebrations.  

Laura Cochling of Changing Perceptions Therapy walks us through healthy ways to accept our new normal. 

To learn more about the Healthy @ Home series and see additional videos click here

We are driven by a belief – supported by experience and research- that people from all walks of life are more likely to flourish if they have an intact, healthy family and strong relationships.


To learn more about how the Healthy Families Initiative is active in the community, click here

Helping Children Adjust to Holidays During the Pandemic

Helping Children Adjust to Holidays During the Pandemic

Helping Children Adjust to Holidays During the Pandemic




By Guest Blogger Jen Johnson 




We have a unique opportunity to introduce this social skill this year due to the financial impacts of the pandemic.


Have you ever shown up to a party or wedding and felt under or over dressed? Have you turned up at a friend’s house for game night and realized your partner forgot to tell you it was potluck and you’re empty-handed? What about when you’ve gone to a restaurant and realized after arriving that there’s a dress code or that you need to tip and you didn’t bring cash? Think about a time where you’ve been embarrassed or frustrated because you didn’t meet an expectation you didn’t know about beforehand? 

What happened?

How did it feel?

What would you have preferred happened?

All of these experiences of discomfort could have been avoided if you had known the expectations in advance, right?

Setting expectations is an integral part of helping children meet expectations and manage their feelings.

This year families will be experiencing holidays in different ways due to the pandemic. Many families will not be seeing grandparents or extended family due to the risk of exposure to Covid-19. Events that have often anchored the holidays in the minds of children may be cancelled (e.g., Santa at the mall, holiday parties, community gatherings, religious services, parades). 

Children have experienced changes in major routines since the beginning of 2020. Many of these changes have happened so quickly that children did not have the chance to emotionally adjust. For example, schools closed quite suddenly in the Spring and decisions about virtual/hybrid/face to face learning have been made by the month and sometimes down to the week in some school districts. 

Fortunately, the holidays don’t have to be experienced that way. We, as caregivers, are in charge of our holiday plans. They don’t depend on the government, the school district, or any organization. We can decide now what the holidays will look like and begin setting expectations with children in advance.

I want to discuss two different aspects of setting expectations: topics that may need to be considered and discussed, and language you can use to communicate with children. 

These are some areas you may need to consider setting expectations:

Family Gatherings

Will you attend? Will you wear masks? Will there be social distancing? Will certain family members not be in attendance due to their decisions about their health? Children need to know in advance what to expect at family gatherings this holiday season. Don’t wait until you’re on the way to the gathering in the car to set expectations. Start talking about it now! Bring it up several times before the actual holiday arrives and allow children to share their thoughts and feelings. It might sound something like this:

“I want to talk to you about Thanksgiving this year. Usually we go to Grandma’s house and all your aunts and uncles and cousins come and we eat and play games. Do you remember when we did that last year?” Asking if they remember is important depending on the age. If they don’t remember, then the change this year may not be a big deal to them. If they do, it may be a bit more challenging. “This year is going to be  different, kind of like how school is different right now.” (Insert your plans and expectations. I’ll share my family plans.) This year we are all going to make food at our own houses and then we are going to Zoom with all of our aunts and uncles and cousins. We are still going to play games, except we will be online together instead of in person. I’m feeling sad we won’t see our family, but I’m excited about the new games.” (You’ve just modeled how to share emotions.) “What feelings are you having about this?” (wait) “What questions do you have?” (Use this instead of “Do you have questions?”)

Traditional Holiday Events

What are the events your family attends every year during the holidays? My family loves to go to the Fantasy of Lights in my hometown of Wichita Falls, Texas. We gather at Grandma’s house for dinner so she feels cozy and included since Grandpa passed a few years ago. Christmas Eve services are almost always on the books, and since my son was born we’ve started celebrating Christmas morning at my parents’ house. To kick off the holiday season, we almost always go to the Dallas Symphony Orchestra’s holiday show and have a family cookie baking night.

It is quite likely that none of these events will happen this year.

Grandma is elderly. Mom is a survivor of lung cancer and a lobectomy. My son is considered high risk, so crowding into a church building isn’t a risk we are willing to take. The pandemic has drastically changed how we will engage in holiday events this year. 

Just as you talked about family gatherings and how those will look different, talk about how events surrounding the holiday will look different this year. Think of ways you can substitute those events with safe ones. For example, we plan to stream a musical holiday show instead of going in person. We might even get all dressed up! We will likely have our own cookie baking night at home and gather virtually with Grandma and our parents. If my son was older, the conversation might sound like this:

“I want to talk to you about our (insert holiday) traditions. You might have to explain that “traditions are things we do every year around the holidays” and give an example. What (insert holiday) traditions can you think of that you’re looking forward to this year? Allow your child time to talk about what they’re looking forward to. Focus on the events they are excited about and determine whether those are safe events. If they aren’t you might say something like, “I really like to go to the music show too. This year instead of going to Dallas for the show, we’re going to watch it at home on TV. I’m feeling disappointed that we won’t get to see Santa come out at the Christmas show, but I’m excited that we can still watch on TV because we can have snacks while we watch!” You’ve just modeled how to share emotions. “What feelings are you having about this?” (wait) What questions do you have?” (Use this instead of “Do you have questions?”) 


The financial impacts of the pandemic have been significant for many families. Your family may have traditions related to gift-giving that may need to look different this year. And that’s okay! It’s important to prepare children for this difference. I am NOT saying we need to explain financial difficulties to children. Finances are an adult issue, and children should feel as safe and secure as possible. However, it is possible to set expectations around gift-giving without referencing finances.

As caregivers, we have two options: Pretend like everything is going to happen as normal and then manage the disappointment and hurt feelings on that special holiday.

or (and preferably)

Tell children in advance that gift-giving is going to be different this year so we can get all those thoughts and feelings processed before the holiday. It doesn’t mean there won’t be thoughts and feelings on the holiday, but they will most likely be less intense if there has been regular discussion and processing prior to the holiday. There is no benefit to not telling a child they won’t be getting a pony or the newest gaming system. The benefit of communicating the truth is that it helps them adjust their expectations so they are better able to enjoy the gift they DO receive. It might sound like this:

“I saw that you wrote your gift wish list. I want to look at it together and talk about what’s on it. Your wish list looks so fun. I see that you put ______ on your list. I am not (or Santa is not) going to be able to get that gift for you this year. But can you think of something fun we could do? Maybe we could have a special chocolate chip pancake breakfast and watch Christmas movies? (*Insert things you could do together.) How are you feeling about that? What questions do you have?”

*Go hiking or biking. Do a craft with supplies from your local dollar store. Drive around at night with closed mugs of hot chocolate and do a scavenger hunt of different yard decorations. 

A few days later, circle back to the discussion again and take the opportunity to teach your child how to receive a gift that isn’t exactly what they wanted.

We’ve all had the experience of opening up a gift to discover we’ve received something we just don’t care for. As adults, we don’t throw tantrums or point out that we don’t like it because we’ve learned social skills related to this experience. Our children can learn this skill one of three ways.

1) They observe someone else, usually another child, express they don’t like something, observe the negative reactions of the adults, and promise themselves they’ll never do that.

2) They themselves express that they don’t like something, experience the negative shaming reaction of adults, and promise themselves they’ll never do that again.

or (and preferably)

3) They are pre-taught to show appreciation for every gift and the consequences of what happens when you don’t (i.e. people get their feelings hurt and it makes them sad). Discussion and role plays that allow children to practice are helpful when teaching this skill. When they are pre-taught the skill, they are more likely to meet expectations because you’ve set them up in advance. This doesn’t mean they won’t feel disappointed or sad or even  that they will master the skill this holiday, but we have a unique opportunity to introduce this social skill this year due to the financial impacts of the pandemic.

We have a unique opportunity to introduce this social skill this year due to the financial impacts of the pandemic.

Holidays this year are certainly going to be different. It is 100% okay to grieve the loss of the connections and fun that will be missed, and we should walk with children through those experiences and emotions. As caregivers, we have the opportunity to model how to process the emotions and mold the experience our children have during the holidays this year.

This post can be found in its original form here.

Jen Johnson  is the founder of The Child Safety Collaborative and a PhD Candidate in the Department of Educational Psychology at the University of North Texas. Jen worked in public education for almost a decade before moving into the private sector to address child abuse and maltreatment through The Child Safety Collaborative. Her research is focused around accommodating safety curriculums for children with disabilities.





During this time of uncertainty, we know the potential for anxiety and stress in homes is high. That’s why we are putting together resources to help families come together during this time of crisis and adapt to the rapidly changing pandemic environment.

 To learn more about the Healthy Families Initiative at GCO click here

A family sitting on the floor together

Health Care Waiver Approvals Are Good News

Health Care Waiver Approvals Are Good News

Health Care Waiver Approvals Are Good News

By Erik Randolph

Amidst the noise of the presidential election, the mainstream news media missed a major announcement the prior Sunday that promises to positively impact the lives of many Georgians.


The announcement could signal a turning point in the near future, giving hope to many Georgians suffering from the unintended consequences of the Affordable Care Act (ACA) since its implementation seven years ago.


Georgia has taken advantage of Section 1332, which is possibly the best provision in the ACA. It allows states to better design a system of providing health insurance coverage by applying to the federal government to waive burdensome requirements of the law itself and some other federal regulations.


Last year, the state legislature gave Governor Brian Kemp the authority to seek waivers from the federal government, and the governor has done just that. Without much fanfare, Georgia’s Section 1332 waiver request, as amended, was finally approved on Sunday. This approval complements Georgia’s other approved waiver request on Medicaid that received widespread press coverage and was announced during a joint press conference on October 15th with the governor and Seema Verma, administrator of the federal Centers for Medicare & Medicaid Services. 


First, let’s review just some of the mess the federal law created.


The Price Sticker Shockwave


The Affordable Care Act has not lived up to its name, as demonstrated by spiking health insurance costs, especially in the individual markets.


Once the law went into effect and the new premiums took hold in the individual markets, there was a price sticker shockwave that rolled across the country. The Manhattan Institute for Policy Research calculated price increases varying from 64.5% for a 40-year-old female to a 178.8% increase for a 27-year-old male. 


Our own analysis estimated premiums increased 17 times faster than the general inflation rate from 2014 to 2019. On average, Georgians suffered average price increases of 70.7% for Bronze plans, 77.3% for Silver plans, and 70.4% for Gold plans.


The chart below shows one result of our research. We estimated that the median annual price for a pre-ACA insurance plan for a family of four in Georgia was $5,386 in January 2013. For 2019, the median prices for a family of four rose to $17,550 for a bronze plan, $18,644 for a silver plan, $23,065 for a gold plan, and $26,081 for a platinum plan.





Moreover, because of the unaffordability of the premiums, many who had insurance coverage prior to the ACA found themselves uninsured. As pointed out in the governor’s Section 1332 waiver application, 129,000 Georgians dropped out of the marketplace from 2016 to 2019, a staggering decline of 22%.

A major culprit for the price spikes and loss of coverage is the ACA itself. Many insurance policies in effect prior to the law became immediately ACA noncompliant because the law redefined what constituted a policy and mandated changes to how insurers calculate premiums. This was exacerbated by how the federal bureaucracy initially implemented the law. The political promise of “if you like your plan, you can keep your plan” turned out to be untrue. 

The impact was not just on the individual markets. Employer-based plans also experienced major price increases, but this and other unintended consequences are a topic for another day.

Hope with Reinsurance and Better Access

The first part of the approved Georgia plan will begin in 2022, which naturally brings up the question: why must we wait so long? The short answer is because we’re dealing with government bureaucracies.

Despite the slowness, the Reinsurance Program will pass through federal funding from anticipated savings from the Premium Tax Credit, expected to be $285 million in Plan Year 2022, matched with state funds from either general revenue or a state user fee to reinsure insurers to bring down the cost of premiums. The reinsurance kicks in only for insurance claims above preset thresholds up to predetermined caps. It also varies based on three regions in the state intended to bring down more quickly the cost of premiums in those regions hurt worse from the premium increases since implementation of the ACA. The reinsurance only pays for a portion of the cost above those thresholds, up to the caps, to make sure insurers have a stake in the game to keep costs down.

Governor Kemp’s approved application estimates the Reinsurance Program will, on average, increase individual market enrollment by 0.4% and lower premiums by 10.2% in the first year, which are hopefully just conservative estimates considering the damage done to the market by the ACA. The Reinsurance Program targets individuals and families between 100% and 400% of the federal poverty level (FPL), who account for 57% of Georgia’s uninsured population.


pie chart GA's uninsured

The second part of the plan—that will begin with a delayed implementation in 2023 over concerns of the impact of COVID-19 and to ensure a smooth transition—is the Georgia Access Model addressing a major complaint about the ACA. The law makes Georgians go through the Federal Facilitated Exchange (FFE) to buy insurance on the individual markets. Government’s overreach includes requiring individuals to prove to bureaucrats that they endured a qualifying life event before they are allowed to buy health insurance during any time outside the government’s mandated enrollment period. 

To be run by the state instead of the federal government, the Georgia Access Model will still allow an online exchange as before, but, importantly, it frees individuals from the mandate of going through the exchange, allowing them to shop through multiple channels, including private distribution channels, brokers, and agents. It promises to return health insurance shopping to the way functioning markets work. 

Georgia is expected to run the new exchange more efficiently. Today, FFE is separate from the Georgia Gateway that handles Medicaid. Georgia will link the two together, which brings up the approved Medicaid waiver.

Helping the Poor with Pathways to Coverage

In addition to the Section 1332 waiver, the federal government also approved a Section 1115 waiver, allowing modifications to the Medicaid program. This waiver addresses adults under 100% FPL, which is 28% of the uninsured. The remaining uninsured are children under 100% FPL who already qualify for Medicaid, and families over 400% who will benefit from the lower premiums. 

Here the Georgia state legislature and Governor Kemp need to be commended for not falling into the Medicaid expansion trap. What they succeeded in doing is getting the federal government to allow Georgia to transform the program into one that makes more sense.

One big problem with Medicaid is that it traps people in poverty. There are welfare cliffs and marriage penalties associated with it. Another big problem is that the health outcomes are among the worst of any health care system in the nation. The states that expanded Medicaid have subjugated more individuals to these negatives.

Instead, Pathways to Coverage establishes a demonstration project to help adults up to 100% of the federal poverty level. Private market practices will be introduced, including incentivizing healthy behavior and creating member reward accounts. The goal is to create a pathway to help persons transition to higher quality private coverage, consistent with other welfare policy goals of not having adults languish below the poverty line by helping them move out of poverty.

The Long Run

Ultimately, implementation of these approved plans will determine their success. Therefore, the state administration needs to be vigilant and continue working on improving.

Considering constraints placed on the states by the federal government, it is probably the best deal Georgia could have received. But, as officials in the Kemp administration recognize, these waivers are not the complete solution. More needs to be done.

What we would like to see is a more aggressive agenda to adopt our vision of establishing a true risk equalization system that can deliver universal coverage with the highest quality of care only possible through leveraging the free-enterprise system. Switzerland has already shown the way, and you can read more about our vision and the Swiss system here.

If you had personal experience with the FFE, escalating health insurance costs, lost your coverage, or other thoughts on the best solutions, we are interested in your story and thoughts. Be sure to post your experience in the comments below.

*Erik Randolph is Director of Research at the Georgia Center for Opportunity. This blog reflects his opinion and not necessarily that of the Georgia Center for Opportunity.

The Working-Class Welfare Trap: How Policy Penalizes Marriage | NONPERELE

The Working-Class Welfare Trap: How Policy Penalizes Marriage | NONPERELE

The Working-Class Welfare Trap: How Policy Penalizes Marriage | NONPERELE

Our tax and welfare policies often penalize marriage, trapping too many people in poverty.

…Not surprisingly, these penalties seem to play a role in fueling working-class Americans’ retreat from marriage that we have seen play out over the past three decades. In recent years, for instance, a majority of children born to working-class parents have been born outside of marriage, whereas the vast majority of upper–middle-class parents continue to have children in marriage…



Read the full article posted 


UGA grant will help Georgia couples improve relationship skills | KPVI

UGA grant will help Georgia couples improve relationship skills | KPVI

UGA grant will help Georgia couples improve relationship skills | KPVI

ATHENS — A team of University of Georgia faculty in the College of Family and Consumer Sciences aims to provide Georgia couples with healthy relationship skills and financial guidance with the help of a five-year, $6.2 million grant from the U.S. Department of Health and Human Services.

The team will collaborate with UGA Cooperative Extension and a network of established state and local partners to deliver the evidence-based Healthy Marriage and Relationship Education programming to couples in 60 counties across Georgia who are experiencing economic stress and are relationally vulnerable, including those who are military-connected.

Among the community-based partners is the Georgia Center for Opportunity in Gwinnett County, a nonpartisan organization that conducts public policy research and mobilizes community resources to address education, employment and family issues.

“A collaboration of this magnitude will put us in the position to transform lives and create a blueprint for families in the near future,” Joyce Mayberry, vice president of family for the Georgia Center for Opportunity, said.

Read the full article here