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 ).
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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.
Home » Uncategories » Merinding Saat Tsunami “Tak Berani” Sentuh Rumah Penghafal Al-Qur’an
Merinding Saat Tsunami “Tak Berani” Sentuh Rumah Penghafal Al-Qur’an
Dibalik sebuah kejadian musibah, selalu ada cerita keajaiban-keajaiban Tuhan yang hendak diperlihatkan kepada manusia, agar dijadikan sebagai pelajaran dan hikmah bagi mereka yang masih diberi kesempatan untuk melanjutkan hidup.
Begitu juga dengan “mukjizat” yang terjadi dibalik musibah terjangan tsunami di Selat Sunda pada Sabtu malam (22/12/2018) kemarin, menyisakan cerita yang berada diluar jangkauan nalar dan logika kita sebagai manusia.
Tsunami dahsyat yang menerjang kawasan pesisir Pantai Anyer akibat runtuhnya ribuan kubik tanah longsoran anak Krakatau di tengah laut, nyatanya tak menyentuh sama sekali sebuah penginapan di Desa Umbul Tanjung, Kecamatan Cinangka Kabupaten Serang Banten.
Di saat kejadian tragis itu, serombongan siswa dari SMA Islam Nurul Fikri Boarding School (NFBS) Serang Banten yang telah dua pekan menginap di penginapan itu sedang “hafalan” Al-Qur’an bersama-sama dengan dibimbing para pengasuhnya.
Tak seorang pun diantara mereka yang menyadari saat-saat bencana itu bermula terjadi. Masing-masing tengah khusu’ dengan hafalan Al-Qur’an mereka, hingga akhirnya mereka tersentak dengan teriakan tsunami dari warga di arah luar pagar pekarangan tempat mereka berada.
Adi, salah seorang penjaga dan pengelola penginapan menuturkan, “ Anak-anak masih pada hafalan. Lalu banyak orang diluar teriak tsunami”, ujarnya mengingat kejadian malam itu.
Teriakkan warga itu membuat mereka tersadar sesuatu yang buruk sedang terjadi. Dari dalam gedung mereka menyaksikan air laut naik ke daratan, menggulung dan melibas apa saja yang dilaluinya, namun “ajaib” hanya melintas di belakang pagar penginapan mereka, tak masuk dan tak menyentuh halaman Umbul Tanjung Resort itu.
Setelah air surut, para siswa santri itu tetap waspada di dalam penginapan mereka. Dari 10 bangunan yang ada di penginapan itu,semuanya selamat dan utuh tak tersentuh sama sekali luapan air bah tsunami.
Begitu juga dengan 65 orang santri, yang terdiri dari 30 orang perempuan dan 35 orang laki-laki, semuanya selamat tanpa ada kekurangan sesuatu apapun juga. Namun mereka telah menjadi saksi dari sebuah “mukjizat”, pertolongan Allah SWT yang berlangsung persis dihadapan mereka.
Sekali lagi, Allah SWT sang Maha Kuasa telah memperlihatkan sebuah tanda-tanda kekuasaannya, dan memberikan pertolongan bagi mereka, para penghafal ayat-ayat suci-Nya, orang-orang pilihan yang dikehendaki-Nya untuk diselamatkan, serta menjadi hikmah dan pelajaran berharga bagi kita semua.
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