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November 2017 | Overdrive | 13 Obamacare enrollment ends Dec. 15 The open enrollment period for the Affordable Care Act, which began Nov. 1 and clos- es Dec. 15, is much shorter this year than in prior years. During this period, individ- uals can renew an existing plan or shop for a new one through the national Health- Care.gov exchange. A series of state-run health insurance exchanges – including those in Califor- nia, Colorado, Connecticut, Massachusetts, Minnesota, New York, Rhode Island, Washington state and D.C. for residents of their areas – have announced extended periods, most through either Jan. 15 or Jan. 31, with some differences. Attempts by Republicans in Congress to do away with ACA's individual-mandate requirement or otherwise reform the current system have failed, so the tax penalty for not carrying insurance remains in effect. An adjustment to the penalty's levels, however, has not been announced for the 2018 tax year. If it remains the same as in 2017, it will be assessed on your return in 2019 and equate to $695 per individual in the household or 2.5 per- cent of income, whichever is higher. With continued shake-ups in the insurance exchanges as insurers change plans or exit the exchanges, options can vary substantially from year to year. Alternatives to the ex- changes for those without a group health-insurance plan remain in pri- vate exchanges, like those operated by the TrueNorth company and NAIT's Truckers Insurance exchange, and self-insured risk pools such as NAIT's AlieraCare product. For those with pre-existing conditions, however, the ACA exchanges remain the likely best bet, given the ACA's protection for such buyers. – Todd Dills Nothing outperforms Diesel Treat. Just ask around. Just ask around. Just ask around. Howes Bluetooth Speaker when you purchase any six bottles of Diesel Treat ½ gallons or Meaner Power Kleaner quarts. Visit www.howeslube.com or call 1-800 GET HOWES. Offer ends: 3/31/18, available while supplies last. 1-800 GET HOWES (438-4693) • www.howeslube.com And for even more cleaning power and lubrication, try Howes Meaner Power Kleaner. And for even more cleaning power and lubrication, try Howes Meaner Power Kleaner. "Thanks for a great product that solved my problem. I tried other products but nothing works like Howes Diesel Treat." Alice T. "I just wanted you to know that this product is spectacular. It does everything you say on the bottle." Chris R. "I've been caught in my fair share of ridiculous winter storms and never once did my fuel lines gel thanks to Howes. The stuff just works." Marc H. "It's not often I find a product that really works as advertised. After two tanks of fuel with your product my diesel stopped smoking and misfiring when first started." Bill C. "I've done a comparison in fuel mileage and on the performance of my truck and found the using Howes makes all the difference." Mike P. "Last week the temperature in Bakken dropped to 31 below. My truck survived and I Know it won't leave me stranded because of fuel problems." Robert P. "Last year, a truly brutal winter, I gave rides to two drivers with frozen fuel lines. They didn't use Howes but I did. It was satisfying to know that I chose a winner in Howes Diesel Treat." William B. "We use it in our diesel trucks. We find the performance outstanding!" James P. "This product is amazing! The money saved on fuel mileage pays for itself." Eddy J. "I used a competitor's product for years. But when it gelled up twice I switched to Howes. It was -38° and no problems. Never going back." Kathleen K. "I believe in your product 110%. Being from Michigan I know what cold winters are about, and what gelling can not only to down time but repairs as So keep making your product and I'll keep buying it." Bryan V. "Whatever is in that stuff, I would highly recommend it to any diesel user! It works like magic." Doug H. "I've been using your product for the last 5 years and I won't use anything else in my truck. I stand by Howes because you keep me running." Paul H. My mileage went from 17.6 to 19.7. My truck hasn't run this good in years. Dave R. "I finally found a product I can trust. It's nice to find something that really works!" Wayne H. "When my fellow truckers ask why my truck runs so well, I recommend they go get some Howes. Thanks for making a great product." Kevin B. "I've been in the transportation industry for over three decades and since the beginning I have used Howes products – never failed me." Richard S. "I've used Howes Diesel Treat for over 14 years. My C-15 has over 1,368,000 miles on the original injectors. I start with ease at sub-zero temps. What else can you ask for?" Lyle K. "The last two days have been extremely cold with temps around -10°. We've not had one fuel issue throughout this winter season." Jim C. "I added Diesel Treat to my fuel tank and have not had any issues on these frigid Maryland mornings." Richard H. owes Bluetooth Speaker Nothing outperforms Diesel Treat. Just ask around. Just ask around. Just ask around. fair share of ridiculous winter storms and never once did my fuel lines gel thanks to Howes. "I've done a comparison in fuel mileage and on the performance of my truck and found the using Howes makes all the difference." Howes makes all the difference." Mike P. I gave rides to two drivers with frozen fuel lines. They didn't use Howes but I did. It was satisfying to know that I chose a It was satisfying to know that I chose a product for years. But when it gelled up twice I switched to Howes. It was -38° and no problems. Never going back." "I've been using your product for the last 5 years and I won't use anything else in my truck. I stand by Howes because you keep me running." My mileage went from 17.6 to 19.7. My truck hasn't run this good in years. Dave R. extremely cold with temps around -10°. We've not had one fuel issue #1 Selling Anti-Gel in the U.S. and Canada C M Y CM MY CY CMY K HowesOverdrive_HalfPageIsland_W17_OE.pdf 1 10/13/17 9:14 AM Untitled-8 1 10/16/17 10:46 AM

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