Top 10 most costly areas for ACA health insurance plans Anyone buying health insurance inside a Colorado resort town may feel as if closing the laptop and schussing the slopes to ease frustration. These areas were just named the foremost expensive for medical coverage beneath the Affordable Care Act (ACA ). Let Insurance. com assist you find affordable health insurance now. Kaiser Health News — which says its findings are depending on recent data coming from the Kaiser Family Foundation, the federal HealthCare. gov website and state exchanges — gives Colorado’s Eagle, Garfield and Pitkin counties (including Aspen and Vail ski getaways ) the very best premiums, at $483 a month. Rural regions of Georgia, Mississippi and Nevada aren‘t far behind, as is really a Connecticut suburb of New York City, all Alaska and the majority of Wyoming. The premiums are driven by lowest price ” silver ” plan, and that is mid-level coverage that almost all consumers are buying with the exchanges. Here will be the 10 most costly areas, depending on monthly premiums, consistent with Kaiser Health News : $483 — Colorado mountain resorts (Eagle, Garfield and Pitkin counties). Also, premiums in Colorado’s Summit County are $462. $461 — Southwest Georgia (Baker, Calhoun, Clay, Crisp, Dougherty, Lee, Mitchell, Randolph, Schley, Sumter, Terrell and Worth counties). $456 — Rural Nevada (Esmeralda, Eureka, Humboldt, Lander, Lincoln, Elko, Mineral, Pershing, White Pine and Churchill counties). $445 — Western Wisconsin (Pierce, Polk and St. Croix counties). $423 — Southern Georgia (Ben Hill, Berrien, Brooks, Clinch, Colquitt, Cook, Decatur, Early, Echols, Grady, Irwin, Lanier, Lowndes, Miller, Seminole, Thomas, Tift and Turner counties). $405 — Most of Wyoming, but excluding Natrona and Laramie counties. $399 — Southeast Mississippi (George, Harrison, Jackson and Stone counties). Also, the lowest price plan in Hancock County is $447. $395 — All of Vermont. $383 — Southwest Connecticut (Fairfield County). $381 — All of Alaska. The Kaiser report says the lofty premiums in Colorado could be blamed on high costs for medical care in those areas. In other pricey regions, insurers can inquire about more income because there‘s a limited quantity of hospitals and specialists open to patients. ” High individual insurance rates also reflect the extra costs that come when locals are likely to have poor health and where large numbers of individuals lack employer-sponsored insurance, leaving providers with increased charity cases and lower-reimbursed Medicare patients, ” based on the report. Health insurance options beyond the health insurance exchanges The ACA requires the uninsured have coverage from the March 31 deadline or face a penalty. The fine in 2014 is $95 or 1 percent in an individual’s taxable income, whichever is higher. The penalty climbs to $325 in 2015 and $695 by 2016. Subsidies can be found to assist shoulder costs for people who qualify. Consumers are eligible for any tax credit in the event that they earn as much as 400 percent from the federal poverty level — that is $94, 200 for any family of four in 2013. The tax credits aren‘t available for health insurance purchased outside the exchanges. You are able to shop for insurance with the government-run exchange with your state, but additional options : • Can you get it at work? Most employer-sponsored plans meet minimum standards set from the feds ; your boss should have notified you of the by Oct. 1. Bear in mind, though, that almost all employer-based plans have open enrollment in the autumn. Your workplace can provide you with the specific details, including deadlines. • Does an employer’s plan cover spouses or dependents? Most work-based health plans extend benefits to spouses, albeit they are not legally needed to. Again, check along with your employer. Also, anyone under 26 can remain on the parent’s medical plan, even if they should already get access to health insurance elsewhere, do not live with these or are married. • Do you qualify for a government health insurance plan? The ACA says you are covered when you have Medicare or Medicaid ; your children are covered in the event that they receive benefits beneath the Children’s Health Insurance Program. Medicare is typically eligible to anyone 65 or older, possess a disability or end-stage renal disease. Have the ear of a seven-month period (starting three months before your 65th birthday ) to join Medicare in the government’s Medicare. gov site. In case you do not check in then, you are able to enroll from Jan. 1 to March 31 of each and every year. Medicaid eligibility, which is expanded beneath the ACA, is founded on income and family size. Can you qualify? You are able to fill out a credit card applicatoin at the state’s health insurance exchange to see. You may also find out if your children could be covered with the Children’s Health Insurance Program. • Go directly to a health insurer Some companies that provide medical coverage — – including United Healthcare, Humana, Aetna, Cigna and Coventry — are not participating at many of the exchanges. But, in fact, they are still selling health insurance. You will get relevant information by checking out their websites, speaking with their representatives or dealing with an insurance agent. These companies may provide a bigger sort of plans compared to the exchanges, which offer more standardized coverage.

Sindhutai Sapkal, Pengemis India yang Rawat 1.400 Anak Telantar

Sindhutai Sapkal, 69, nama perempuan welas asih asal India ini. Dia dikenal sebagai pengemis yang merawat lebih dari 1.400 anak telantar.

Di negaranya, Sapkal dijuluki “Ibu dari Anak Yatim”. Julukan itu dia sandang sejak dia mengemis di stasiun kereta api di negara bagian Maharashtra, India.



Sapkal juga dikenal sebagai pekerja sosial dengan sekitar 750 penghargaan. Menurut laporan Mumbai Mirror, prestasi terbaru dia terima pada Hari Perempuan Internasional 8 Maret 2018 lalu, di mana dia meraih penghargaan Naari Shakti 2017.
Sapkal mengelola empat panti asuhan untuk anak yatim dan telantar. Sikap welas asihnya tak lepas dari kisah pahit yang dia alami di masa lalu.

”Saya telah mengalami bagaimana rasanya tidak memiliki seorang pun dan tidak ada tempat untuk pergi. (Pekerjaan) ini membuat saya merasa seperti seseorang sedang membalut luka saya,” kata Sapkal.

Empat dekade yang lalu, ketika dia akan mengamen di stasiun kereta api dan mengemis untuk mencari nafkah, dia melihat sejumlah besar anak telantar yang mencari tinggal tinggal di stasiun. 
Kondisi hidup susah pernah membuatnya berpikir untuk bunuh diri. Tapi, dengan melihat anak-anak telantar itu, hatinya tergerak untuk merawat mereka.

Semakin hari semakin banyak anak telantar yang dia rawat. Kondisi itu justru membuat semakin bersemangat untuk hidup meski terpaksa mengemis.”Tidak pernah terpikir oleh saya untuk tidak melakukan ini,” kata Sapkal.

Setelah beberapa tahun, dengan bantuan para pendukung, Sapkal mendirikan panti asuhan pertamanya di Chikhaldara, sebuah kota di Maharashtra. Ketika berita tentang pekerjaannya menyebar, orang-orang dari desa lain mulai mendekatinya dengan membawa anak-anak yatim. Dia akhirnya mendirikan panti lagi di Kota Manjiri, Saswad, dan Wardha.
Dia mengelola panti asuhan dengan bantuan putri kandungnya yang hanya diidentifikasi dengan nama pendek Mamta, dan anak-anak angkatnya yang tertua. Beberapa dari anak telantar yang dirawat Sapkal telah sukses menjadi dokter, pengacara, dan profesor.

Sapkal “mengambil” anak-anak telantar itu dari tempat sampah, stasiun kereta api, dan dari jalanan. Dia tidak pernah menolak ketika ada orang membawa anak telantar maupun anak yatim diserahkan kepadanya.

Hebatnya, tidak seperti kebanyakan panti asuhan, Sapkal tidak melepaskan anak-anaknya asuhnya untuk diadopsi. Dia tidak mengusir mereka dari panti asuhan meski umur anak-anak itu sudah 18 tahun. ”Bahkan setelah berusia 18 tahun, anak-anak bersama saya. Saya bahkan membuat mereka menikah dan membantu mereka membangun keluarganya,” katanya.
Cinta Sapkal yang luar biasa untuk anak-anak terinspirasi oleh kesulitannya sendiri di masa lalu ketika dia tumbuh dewasa. Dia dilahirkan di keluarga miskin. Dia putus sekolah ketika berusia sembilan tahun, dan menikah pada usia 10 tahun. 

Sekitar 10 tahun kemudian, sang suami mengusirnya dari rumah. Dia hamil sembilan bulan saat itu. Lebih buruk lagi, keluarga dan teman-teman meninggalkannya. 

”Saya melahirkan anak saya di kandang sapi. Saya memotong tali pusar Mamata menggunakan batu yang saya temukan tergeletak di sana. Saya pergi ke kerabat saya, ke ibu saya, tetapi tidak ada yang mendukung saya. Semua orang mengusir saya keluar,” kenang Sapkal.
 
Mengemis bukan tanpa alasan. Dia terpaksa melakukannya untuk menyambung hidup dan mempertahankan hidup bayinya saat itu.

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