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The 10-Point: My Guide to the Day's Top News

The Wall Street Journal
Good morning,
Take It or Leave It
Health-insurance customers in a growing number of mostly rural regions will have just one insurer’s plans to choose from on the Affordable Care Act’s exchanges next year, as some companies pull out of unprofitable markets. The entire states of Alaska and Alabama are expected to have only one insurer on the health law’s signature online marketplaces next year, and the same is expected to be true in parts of several other states, including Kentucky, Tennessee, Mississippi, Arizona and Oklahoma. The availability of only one insurer in a market poses a challenge for the Obama administration, which has sought to help restrain costs by encouraging competition, and could provide fodder for Republicans intent on dismantling the law. Rural areas are often less inviting for insurers. Last year, rural residents racked up significantly higher medical costs than urban enrollees, in part due to higher expenses at rural health-care providers.
Trump Change
With presumed Republican nominee Donald Trump now moving to raise big sums for his campaign, a close analysis of his finances shows that in terms of ready cash, he would be ill-equipped to foot the bill himself. After long saying his self-financed campaign shielded him from special interests, Mr. Trump reversed course in early May, announcing he will raise donations to ensure his campaign has the resources to compete with Democratic front-runner Hillary Clinton. In the absence of Mr. Trump’s tax returns, our analysis estimates his 2016 pretax income at about $160 million. Top Republicans including RNC Chairman Reince Priebus said yesterday that Mr. Trump has changed the political playbook to such an extent that voters may not care that much about issues like his taxes or episodes from his past. Meanwhile, both front-runners’ have stoked economic uncertainty with either divergent or vague plans for trade, taxes and immigration.
Cheaper Savings
Companies are stepping up efforts to offer lower-cost 401(k) retirement plans, a trend that has already sharply driven down average fees and is likely to continue. An explosion of information about plan fees has helped increase bargaining power for companies in negotiations with fund providers, while a wave of successful lawsuits against companies alleging their plans had high charges has also led many to seek out lower-priced options. Meanwhile, a new Labor Department rule that would hold financial advisers to higher standards of behavior for retirement accounts will likely lead smaller plans to cut costs. The result has been big savings for investors’ combined $4.5 trillion nest eggs. While the changes are adding up a few hundredths of a percentage point at a time, the reduction can make a big difference. We highlight steps employees can still take on their own to understand and potentially lower their costs.
Not Our Cup of Tea
Polls show that British voters are divided over the country’s June 23 referendum on whether to stay in the EU. But a group of European expatriates is trying to influence the United Kingdom—one hug at a time. The Hug a Brit campaign intends to keep the British close to Europe with one thing that seems to go against their psyche: public displays of affection. So far, the group has done hug-ins across London, and so-called hugging cells are being planned for Brits who live abroad in cities such as Paris, Rome and Vienna. The huggers are trying to show the British that they are still welcome in Europe, even though the gesture can be awkward. According to one who man said he supported the cause but declined his free hug: “It’s not a very British thing to do.” A woman who was also approached by the huggers said: “Nothing would make me vote ‘leave’ faster.”
Ukraine Triumphs
That Was Painless
Ukraine’s Jamala won this year’s Eurovision Song Contest over the weekend, with her controversial song “1944,” while Australia took second place and Russia came in third.

Baltimore Trial Draws Attention of Police Nationwide

Lawsuit Seeks to Ban Balloon Releases at University of Nebraska Football Games

Islamic State Attacks Iraqi Gas Plant

At Site of Jesus’ Baptism, Mine-Clearing Unlocks Holy Ground

Litigation Financing Attracts New Set of Investors

Test Audiences Can Make or Break New TV Series

A Battle Brews Over Negative Rates on Mortgages

Will IPOs Pick Up? June Will Tell
$118.4 billion
Store-brand sales in the U.S. last year, up about $2.2 billion from the prior year. Amazon is set to roll out new lines of private-label brands that will include its first broad push into perishable foods.
The Turkish military is the only agent that wants to put on the brakes and create checks-and-balances against Erdogan.
Metin Gurcan, a former Turkish military officer who now works as an Istanbul-based security analyst, on the Turkish army regaining its clout as President Recep Tayyip Erdogan sidelines his political rivals.
Going back to our story above, what are your thoughts on the drop in retirement-plan fees? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Margaret Rawson
Responding to Friday’s question on a federal judge’s ruling last week on the Affordable Care Act, Dean Holmes of North Carolina wrote: “The ACA has been a flawed piece of legislation from the beginning and common sense legal scrutiny will continue to defang the beast.” Slade Howell of North Carolina said: “Tax payers have been forced to subsidize the health insurance industry, and then working Americans have been further penalized with higher insurance premiums. Even worse, the system has been overloaded.” And Rob Buell of Florida commented: “Addressing this perceived illegal logistic of the health care act is one of many such steps that must be taken in an effort to push this country to a single payer program and eliminate the for-profit motivations from the equation.” But Stewart D. Cumming of California weighed in: “The time to repeal this mistake is overdue. The progressive experiment at pushing health care toward a single payer is without a doubt a failure.”
This daily briefing is named "The 10-Point" after the nickname conferred by the editors of The Wall Street Journal on the lead column of the legendary "What's News" digest of top stories. Technically, "10-point" referred to the size of the typeface. The type is smaller now but the name lives on.
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