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.

Lima Gambaran Sakitnya Sakaratul Maut yang Sangat Pedih

Semua makhluk yang bernyawa tentunya akan merasakan yang namanya sakaratul maut. Tidak ada seorangpun yang dapat lolos dari kematian. Seperti yang dijelaskan dalam surat Ali Imran ayat 185 yang berbunyi, “Kullu Nafsiin Dazaaiqotul Maut (Tiap-tiap yang bernyawa tentunya akan merasakan mati).”
Proses sakratul maut merupakan soal sangat menyakitkan dalam kehidupan ini. Sakit sakitnya saat dicabut nyawa, seseorang dapat kehilangan iman dan Islam pada saat itu pun jika tidak ada pertolongan dari Allah. Cuma orang yang serius beriman dan bertaqwa saja yang dapat melalui sakaratul maut dalam kondisi membawa iman dan Islam.
Selanjutnya seperti apakah deskripsi sakitnya sakaratul maut itu? Ada banyak keterangan shahih yang menggambarkan bagaimana pedihnya sakaratul maut. Selanjutnya penjelasannya yang dapat membuat kita semua merinding.
“Seandainya jenazah yang sedang kalian tangisi dapat bicara sekilat, lalu menceritakan proses sakaratul maut pada kalian, pasti kalian akan melupakan jenazah itu dan mulai menangisi diri kalian sendiri.” (Imam Ghazali mengutp dari Atsar Al Hasan).
Rasulullah SAW bersabda: “Sakaratul maut itu sakitnya sama seperti tusukan tiga ratus pedang.” (HR. Tirmidzi).
Baca Pun: Penuturan Nabi Idris dan Malaikat Izrail Ini Deskripsikan Pedihnya Sakaratul Maut
Rasulullah SAW bersabda: “Kematian yang sangat mudah bagaikan sebatang pohon penuh duri yang menancap di selembaran kain sutera. Apa batang pohon duri itu bisa diambil tanpa membawa sisi kain sutera yang tersobek.” (HR. Bukhari).
“Sakaratul maut bagaikan sebatang pohon berduri yang dimasukan ke perut seseorang, lantas seseorang menarik sekuat-kuatnya hingga ranting itu juga membawa semua anggota tubuh yang terlibat padanya dan meninggalkan yang tersisa.” (Imam Ghazali).
“Rasa sakit yang dirasakan selama sakaratul maut menghujam jiwa dan menebar ke semua anggota badan hingga sisi orang yang sedang kritis merasakan dirinya ditarik-tarik dan dicerabut dari setiap urat nadi, urat syaraf, persendian, dari setiap akhir akar rambut dan kulit kepala sampai kaki.” (Imam Ghazali).
Demikianlah deskripsi begitu dahsyatnya sakit yang dirasakan selama proses sakaratul maut. Belumlah juga setan akan mengerahkan tenaga terakhirnya untuk mengajak orang muslim selama dicabut nyawa supaya ia menggugurkan iman dan Islam nya.
Cuma Allah yang dapat membantu kita saat dicabut nyawa. Lantas, apa kita sudah mempersiapkan bekal supaya wajar ditolong Allah disaat sakaratul maut? Mari kita terus-menerus memperbaik diri dan meminta ampunan pada Allah. Serta berdoalah selalu supaya dimudahkan disaat menantang sakaratul maut nantinya.

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