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.

Menengok Pernikahan Sederhana ala Orang Terkaya Dunia

Mengeluarkan banyak uang demi pelaksanaan pesta pernikahan bukan menjadi prioritas bagi orang terkaya  di dunia berikut ini. Sebetulnya, harta mereka lebih besar dari anggota kerajaan Inggris yang tenar berkat Royal Wedding, tetapi pernikahan mereka dapat ditulis dengan sepatah kata: sederhana.
Setelah istri pertamanya wafat, investor legendaris Warren Buffett menikahi sahabat lamanya: Astrid Menks. Pernikahan diadakan di kota kelahiran Buffett, di rumah putrinya, di kota Omaha.
 pernikahan berlangsung pada tahun 2006 dan bersifat sederhana nan privat. Tak ada Bill Gates, pejabat, jenderal, atau CEO yang hadir, meski saat itu Forbes mencatat Buffett adalah investor terkaya di dunia dengan harta USD 42 miliar, atau saat ini setara Rp 756 triliun.
Hal serupa dilakukan oleh CEO Facebook Mark Zuckerberg. Bos social network terkaya di dunia ini menikahi sang pujaan hati, Priscilla Chan, yang merupakan dokter anak lulusan Universitas Harvard dalam prosesi sederhana. Pernikahan dilangsungkan di halaman belakang rumah mereka dan tamu kurang dari 100 orang, demikian lansiran CNBC.
Katering dipesan dari restoran-restoran lokal, begitu pun coklat pencuci mulutnya. "Priscilla dan saya ingin pernikahan sederahana jadi kami memutuskan menjadikannya kejutan dan melaksanakannya di halaman belakang kami," ujar Zuck.
Ada pula cerita Steve Jobs. Pada 1991, Steve Jobs disebut sebagai pria lajang paling menjanjikan versi Newsweek. Wajar, karena saat itu Jobs merupakan salah satu orang terkaya di industri teknologi.
Pendiri Apple, yang juga ikon Silicon Valley, memilih pernikahan privat dan intens di Yosemite National Park. Upacara suci itu dipandu oleh seorang pendeta aliran zen: Kobun Chino Otogawa, yang merupakan penasihat spiritual Steve Jobs.
Harta Rp. 1.278 Triliun, ini kebiasaan sederhana Warren Buffet
Sosok Warren Buffett tetap fenomenal di tengah ramainya para miliarder di sektor teknologi. Tahun ini saja, pria berjuluk Penyihir dari Omaha ini masih lebih kaya dari Jack Ma, Mark Zuckerberg, serta duo pendiri Google.
Berdasarkan informasi Forbes, kekayaan Warren Buffett ditaksir mencapai USD 89,2 miliar atau setara Rp 1.278 triliun (USD 1 = Rp 14.337). Sebagai figur terkaya di dunia investasi, siapa sangka ia ogah pakai smartphone dan masih suka memakai baju Made in China ketimbang memesan dari rumah mode ternama? 
 ada beberapa kelakuan Warren Buffett yang terbilang sederhana, seperti menolak masuk klub golf mewah. Mobilnya pun Cadillac XTS yang harganya USD 45 ribu. Harga itu termasuk sederhana di Amerika Serikat (AS).
Buffett juga tidak memiliki smartphone dan masih memakai flip phone. Ia disebut hanya pernah mengirim satu email dalam hidupnya, padahal dia adalah investor Apple dan Microsoft.
Hal lain yang perlu diketahui, ternyata Warren Buffett adalah seorang kutu buku. Bertumpuk-tumbuk buku di sisi bangkunya.
Pria yang setiap pagi masih suka makan di McDonald's ini juga menikah dengan cara sederhana. Tidak ada ribuan tamu atau venue di gedung ternama. Pernikahan hanya di hadiri kerabat terdekat dan diadakan di rumah anak perempuannya.
Warren Buffett adalah sahabat dekat Bill Gates, dan mereka berdua adalah ujung tombak yang mengajak para miliarder dunia untuk menyumbangkan harta mereka. Dan ketika meninggal nanti, Buffett berencana akan menyumbang mayoritas hartanya untuk tujuan filantropis.


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