October 21, 2021

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Zambia Travel Advisory

15 min read

Reconsider travel to Zambia due to COVID-19.

Read the Department of State’s COVID-19 page before you plan any international travel.  

The Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Health Notice for Zambia due to COVID-19.

Zambia has lifted stay at home orders, and resumed some transportation options and business operations. Visit the Embassy’s COVID-19 page for more information on COVID-19 in Zambia.

Read the country information page.

If you decide to travel to Zambia:

See the U.S. Embassy’s web page regarding COVID-19.

Last Update: Reissued with updates to COVID-19 information.

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The results of the covert tests ranged from sales representatives appropriately explaining to GAO's undercover agents that a PPACA-exempt plan would not cover the pre-existing condition the undercover agents stated that they had, to engaging in potentially deceptive marketing practices that misrepresented or omitted information about the products they were selling. Specifically, in 21 of 31 covert tests, the sales representative appropriately referred undercover agents to a PPACA-compliant plan. In two of 31 covert tests, the sales representatives did not appear to engage in deceptive marketing practices but were not always consistent or clear in their explanation of the type of coverage and plans they were selling. In the remaining eight of 31 covert tests, the sales representatives engaged in potentially deceptive marketing practices, such as claiming the pre-existing condition was covered when the health plan documents GAO received after purchase said otherwise. GAO plans to refer these eight cases of potential deceptive marketing practices to the Federal Trade Commission (FTC) and corresponding state insurance commissioners' offices for follow-up as appropriate. Millions of Americans obtain health insurance coverage in the individual market, which consists mainly of private plans sold directly to consumers without access to group coverage. While generally regulated by states, starting in 2014, PPACA established a number of new federal requirements for the individual health insurance market. For example, PPACA prohibited insurers from excluding coverage or charging higher premiums for pre-existing conditions and required that individual market plans cover a set of essential health benefits, including coverage for mental health and substance abuse disorder services, prescription drugs, and maternity and newborn care. Certain types of health coverage arrangements that can be sold directly to consumers do not have to comply with some or all of PPACA's individual market requirements and, as a result, may be less expensive, but also offer more limited benefits compared to PPACA-compliant plans. Recent changes to federal law and regulations could result in the increased use of PPACA-exempt health coverage arrangements as alternatives to PPACA-compliant plans in the individual market. For example, in 2018, federal regulations expanded the availability of short term, limited duration insurance (STLDI) plans, a type of PPACA-exempt arrangement. In addition, starting January 1, 2019, individuals who fail to maintain "minimum essential coverage," as required by PPACA, no longer face a tax penalty. Further, the devastating economic effects of the Coronavirus Disease 2019 (COVID-19) pandemic could create additional demand for affordable health coverage, including PPACA-exempt plans.  With these changes, and because of their lower relative costs, PPACA-exempt health coverage arrangements may be attractive to consumers, particularly those who find it difficult to afford PPACA-compliant plans. However, such arrangements generally do not need to follow PPACA's requirement that plans in the individual market be presented to consumers in defined categories outlining the extent to which they are expected to cover medical care. As a result, depending on how they are marketed and sold, PPACA-exempt arrangements could present risks for consumers, if, for example, they buy them mistakenly believing that coverage is as comprehensive as for PPACA-compliant plans. GAO was asked to obtain insights on the marketing and sales practices of insurance sales representatives who sell PPACA-exempt plans. In this report, GAO describes the results of covert tests we conducted involving selected sales representatives, when contacted by individuals stating that they had pre-existing conditions. In this regard, GAO agents performed a number of covert tests (i.e., undercover phone calls) from November 2019 through January 2020 posing as individuals needing to purchase health insurance to cover pre-existing conditions. GAO also discussed the marketing and oversight of PPACA-exempt arrangements with senior officials from federal agencies, including the FTC, and Centers of Medicare and Medicaid Services (CMS) within the Department of Health and Human Services (HHS), as well as the National Association of Insurance Commissioners (NAIC)5. GAO provided a draft of this product to FTC, HHS, and NAIC for review and comment. FTC, HHS, and NAIC provided technical comments, which GAO incorporated as appropriate. HHS provided additional written comments on a draft of this report. For more information, contact Seto Bagdoyan at (202)-6722 or bagdoyans@gao.gov.
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As a result of the urgent need to move cargo in containers, the Army awarded a contract in August 2010 for 3,227 flatracks.In February 2012, the Army issued the Distribution Enablers Study, which revisited the capabilities needed for “break bulk” and containerized cargo distribution. This study included the E-CHU in its analysis, because more E-CHUs had been fielded to units, and the CTE, which completed testing in 2011. The Distribution Enablers Study recommended using the E-CHU paired with the CTE, because this combination provides three times more capacity to distribute cargo than flatracks alone. As a result, in June 2012, the Army ordered 180 CTEs.Requirements for container handling equipment are continuing to be updated and may change due to DOD's plans to reduce the size of the Army. A Capability Production Document—expected to be issued in late summer 2013 to update the 1998 Operational Requirements Document—is to provide updated requirements to include current technologies for CROPs, E-CHUs, and CTEs and is expected to add the flatrack capability for Army Corps of Engineers bridge units.Army officials said thatplans are also being completed for each piece of container handling equipment—based on the 2012 Distribution Enablers Study—that will identify the quantity and type of equipment to be sent to units.Additionally, Army officials said that the Army is conducting a tactical wheeled vehicle reduction study, due to be completed in late 2013 or early 2014 that could affect requirements for container handling equipment.To increase its ability to move containerized cargo, the Army plans to increase its June 2013 inventory of 1,241 E-CHUs and no CTEs to a fiscal year 2018 inventory of 6,035 E-CHUs and 6,324 CTEs. 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