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.

Surat Perpisahan Jack Ma Pada Pemegang Saham Alibaba

 Jelang mengumuman pendapatan kuartal kedua pada 2 November mendatang, Jack Ma mengirimkan surat terakhirnya untuk pada para pemengang Alibaba. Apa isinya?

Jack Ma mengawali suratnya dengan menyampaikan rasa terima kasih kepada para pemegang saham atas kepercayaan mereka terhadap dirinya dan Alibaba sejak penawaran perdana empat tahun silam. 
Pria berusia 54 tahun itu kembali menyampaikan keputusannya untuk mundur sebagai Chairman of Board of Alibaba. Pun begitu dirinya siap kapanpun bilamana diajak berdiskusi soal masa depan perusahaan yang telah dirintisnya.

"Sebagaimana yang saya sampaikan bulan lalu, saya akan mengalihkan posisi Chairman kepada CEO Alibaba Daniel Zhang di bulan September tahun depan. Namun, sebagai seorang mitra di Alibaba Partnership, pemilik saham, dan pendiri perusahaan, saya akan selalu senang untuk terlibat dalam berbagai diskusi tentang
perusahaan kapan pun di masa depan," ujarnya.
ack Ma pun mengutarakan rencananya setelah pensiun nanti. Dia mengatakan akan mendedikasikan lebih banyak waktu dan upaya untuk pendidikan, filantropi, dan lingkungan hidup. Kendati begitu, dirinya akan tetap memperhatikan Alibaba.

"Saya tidak akan duduk diam, saya akan bisa menghabiskan waktu untuk memilih bidang-bidang menarik dan bermakna yang saya bisa jalani dengan penuh semangat. Tentu, sampai kapan pun, saya adalah milik Alibaba, bersyukur untuk Alibaba, dan akan terus berada di sisi Alibaba untuk mendukung dan menyemangati perusahaan," tuturnya. 

Dalam suratnya, Jack Ma memastikan Alibaba akan tetap berkomitmen untuk pertumbuhan yang berkelanjutan selama minimal 102 tahun dan menjalankan misinya untuk memudahkan setiap orang berbisnis di mana pun. Alibaba Akan mengambil selangkah demi selangkah untuk mencapai tujuan.

"Di tahun 2036, kami akan melayani 2 miliar konsumen global, memberdayakan 10 juta perusahaan yang mencetak keuntungan dan menciptakan 100 juta pekerjaan," kata pria kelahiran Hangzhou itu.
Lebih lanjut dipaparkannya ekonomi global berada dalam kondisi kacau dalam beberapa waktu lalu, mulai dari ketidakpastian tentang hubungan dagang, tren konsumen, pasar modal, dan industri manufaktur. Belum lagi ketegangan hubungan dagang Amerika - China yang meningkatkan risiko ketidakstabilan. Ini ketiga kalinya dalam sejarah.

"Alibaba selama 19 tahun terakhir telah menghadapi langkah mundur di perekonomian global. Namun pengalaman masa lalu telah mengajarkan kami bahwa ada berbagai kesempatan besar di balik kegelisahan dan friksi yang ada," tutur Jack Ma. 

"Pertanyaan satu-satunya adalah bagaimana kita bisa menggeliat. Tantangan-tantangan besar menimbulkan kesempatan-kesempatan besar," imbuhnya.

Jack Ma turut menilai model bisnis konvensional dan kerangka regulasi untuk perdagangan global yang kini berlaku tengah mengalami tantangan-tantangan besar. Namun ini merupakan kesempatan tepat bagi pihaknya untuk menjadikan globalisasi sebagai prioritas. 

Dan Alibaba telah menghabiskan tiga tahun terakhir untuk mengembangkan sistem perdagangan yang melayani usaha-usaha kecil dan menengah serta
konsumen di seluruh dunia. Hasilnya mereka telah membuat kemajuan-kemajuan untuk mewujudkan tujuan "global buy," "global sell," "global pay," "global delivery," dan "global travel". 
Untuk memastikan UMKM, kaum muda dan perempuan memiliki akses yang setara kepada perdagangan global, Alibaba juga mendorong inklusi dalam "4T". trade (perdagangan), tourism (pariwisata), training (pelatihan) dan technology (teknologi). "Saya senang kami bisa mengerahkan teknologi, pengalaman dan sumber daya Alibaba, untuk membangun dan memperbaiki sistem perdagangan global yang baru dan inklusif untuk masa depan.
Di akhir suratnya, pria yang hobi Tai Chi kembali mengucapkan terima kasih ke Para pemegang saham dan memastikan Alibaba tidal akan berhenti memanfaatkan kesempatan yang ada.

"Kami akan selalu berinvestasi untuk masa depan. Kami sangat percaya bahwa jika kami berinovasi untuk memecahkan masalah-masalah dan menciptakan nilai-nilai riil dalam prosesnya, kesempatan dan profitabilitas pasar tidak akan jauh dari kami," kata Ma.

"Tahun depan, saat saya menyerahkan tanggung jawab eksekutif saya, status saya akan menjadi pemegang saham. Alibaba seperti halnya Anda semua. Dengan antisipasi, rasa ingin tahu dan bangga, saya sangat menantikan bisa bergabung dengan Anda dan memasuki tahapan lanjut perjalanan kita Bersama," pungkasnya.


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