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.

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Harus Tau !!! Ini Tanda-tanda Pasangan Hanya Memanfaatkan Anda, Salah Satunya Mungkin Sedang Anda Rasakan



Sebuah hubungan percintaan akan memberikan rasa kasih sayang, perhatian, dukungan dan kenyamanan.

Namun, ada kalanya kita dianggap seperti boneka oleh pasangan kita.

Merujuk pada Brightside.com. inilah keadaan-keadaan yang mungkin pasangan kita lakukan untuk memanfaatkan kita.

Perlu di ingat bahwa hal ini bersifat subjektif dan mungkin berbeda di setiap situasi.

1. Anda adalah orang yang selalu salah

Pasangan anda benar-benar orang yang hebat dalam membuat anda merasa bersalah meskipun anda benar.

Mungkin anda pernah meminta bantuan kepada pasangan dan jawabannya adalah:

"Aku sibuk", "Aku sudah bilang aku banyak kerjaan", "Kenapa kamu selalu memikirkan dirimu sendiri?"

itulah jawaban yang malah membuat anda merasa bersalah hanya karena meminta bantuan.

Jika seperti itu, Barrie Davenport menyarankan untuk tetap tenang, pasangan anda mungkin sedang mengendalikan anda.

Ingat bahwa mereka sudah dewasa dan bertanggungjawab atas perbuatannya sendiri.

2. Mereka selalu merasa menjadi korban

Mereka selalu ingin dilihat seperti anda sedang melihat kucing yang malang. Hidup mereka selalu sengsara dan sulit sehingga anda merasa berbelas kasih.

Pasangan anda menggunakan trik ini untuk meminta bantuan atau sedang menghindari tanggungjawab.

Jika pasangan anda terlalu sering menceritakan hal yang emosional tentang kehidupan mereka, mungkin ini tandanya. Mereka berbagi perasaan untuk mendapatkan dukungan dan mencoba mendapatkan keuntungan.


3. Memprovokasi

Mereka akan berdebat dan memprovokasi anda sebagai usaha terakhir. Pasangan anda akan membuat anda mengatakan hal-hal yang dapat membantu mereka.

Jika pasangan anda melakukan hal tersebut jangan mudah terprovokasi. Coba hentikan pembicaraannya dengan sopan.

4. Mereka menekan

Apabila anda berada pada suatu keadaan dan memaksa anda untuk memutuskan sesuatu, pasangan anda akan mendorong untuk cepat-cepat memutuskan sehingga tidak ada waktu untuk berfikir terlebih dahulu.

Preston Ni dari Psychology Today menyarankan agar lebih baik tidak mengambil keputusan secara langsung. Jika pasangan Anda masih menekan, sebaiknya memperlambat dengan mengatakan bahwa Anda akan memikirkannya.

5. Masalahmu tidak pernah mereka dengarkan

Jika anda ingin membicarakan masalah anda dengannya, pasangan anda akan mencoba menghindar, berpura-pura sibuk dan malah membicarakan masalah mereka. Seperti mereka sudah lelah karena bekerja.

Davenport mengatakan tidak banyak cara untuk mengatasinya.  Mungkin lebih baik mencari pasangan baru, orang yang lebih peduli dan penyayang.

6. Aku tak bisa hidup tanpamu

Cara ini adalah yang paling emosional dan egois. Mereka akan membuat anda merasa bersalah dan bertanggungjawab atas kelangsungan hidup mereka.

Seperti "Aku akan bunuh diri jika kamu meninggalkanku".

Cara menghadapinya adalah ingat bahwa itu hanyalah ancaman yang digunakan untuk keuntungan mereka sendiri. Ingatkan bahwa anda tidak bertanggungjawab atas keputusan yang mereka buat.


7. Bukankah kamu mengatakannya?

Cara yang mereka lakukan selanjutnya disebut gaslighting. Memutar fakta masalalu untuk membenarkan mereka dan membuat anda berpikir.

"Ada sesuatu yang salah denganmu hari ini"

"Apa? aku ingat jika kamu membutuhkanku".

Pasangan anda menggunakan trik ini dengan terampil sehingga membuat anda mempertanyakan ingatan sendiri. Hadapi dengan memastikan ingatan anda benar dan katakan padanya dengan cara yang baik.

8. Pengingat yang buruk

Pasangan anda tidak ingin membahas masalah anda, mereka hanya memastikan dirinya baik-baik saja. Mereka menganggap obrolan sudah selesai sebelum benar-benar selesai.

Membuat anda mengulangi perkataan-perkataan anda lagi. Seperti lebih mudah berbicara dengan dinding daripada mengubah sudut pandangnya.



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