Last week, President Obama signaled that he is ‘open to making modest adjustments to programs like Medicare.’ Should seniors brace for bad news? No. There are many ways to cut Medicare spending without drawing blood. It’s a matter of using a scalpel, not an axe, to trim the fat.

If you’re a 20- or 30-something and have health coverage, you’re being targeted by insurance industry campaign to eliminate two important consumer protections in the Affordable Care Act.