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.

9 Pekerjaan Paling Mengerikan dan Berbahaya di Dunia, Ada yang Berani Coba?

Ada banyak pekerjaan di dunia ini yang dipandang kebanyakan orang sebagai pekerjaan yang berbahaya dan mengerikan di dunia. Sebab resikonya sangat tinggi dan nyawa bisa menjadi taruhannya. Kali ini admin telah merangkum 9 pekerjaan paling barbahaya dan mengerikan di dunia. Apa saja itu, yuk scroll ke bawah!

1. Pekerja Pembuat Penutup Lubang Got, New York City


Kamu tentu tidak menyangka pekerjaan pembuat got sangat berbahaya. Orang-orang India yang bekerja di pabrik pembuat tutup got di New York City hanya dilengkapi kacamata keselamatan. Padahal mereka harus berhadapan langsung dengan logam yang dipanaskan yang suhunya mencapai 2.190°F - 2.550°F.

Tanpa mengenakan baju keselamatan, sedikit saja percikan logam yang mengenai tubuh dapat mengakibatkan luka bakar yang serius. Terlebih lagi, mereka diharuskan membuat sebanyak 2.750 tutup got pertahun. Tak heran bila pekerjaan ini disebut berbahaya.

2. Penambang Belerang, Kawah Ijen, Indonesia
Kawah Ijen terletak di Jawa Timur dengan ketinggian 8.530 kaki. Tepat ditengah-tengah gunung ijen, terdapat kawah belerang yang panasnya mencapai 200 derajat celcius. Disana kamu akan menemukan para penambang yang merupakan penduduk lokal yang bekerja tanpa menggunakan seperangkat alat keselamatan.

Mereka hanya menggunakan kaus oblong dan sarung tangan, bekerja sepanjang hari dan malam ditempan yang dipenuhi gas beracun. Para pekerja ini biasanya mendapatkan upah kurang dari 100 ribu perharinya.

3. Pembersih Saluran Pembuangan di India
Melihat dari fotonya saja sudah cukup menimbulkan rasa merinding. Selama 12 jam dalam sehari, para pekerja harus menghabiskan waktu berada di dalam got untuk membersihkan sampah dan kotoran dari seluruh wilayah dalam kota tersebut.

Setiap pekerja di bekali pengikis logam dan alat seperti cangkul. Mereka tidak memiliki alat keselamatan kerja, melainkan hanya mengenakan celana pendek (ada yang hanya pakaian dalam) ketika bekerja. Perharinya mereka hanya diupahi sekitar 70 ribu rupiah.

4. Penguji Bau Bad

Bersediakah kamu mencium bau badan seseorang sampai bagian ketiak mereka? Hal menjijikan ini akan dilakukan oleh orang-orang yang bekerja membuat parfum. Mereka harus mencium aroma badan juga ketiaknya untuk menguji aroma parfum yang mereka buat, dan sampai berapa lama aromanya akan bertahan.

5. Penambangan Berlian Sierra Leone
Penambangan berlian yang dilakukan di Sierra Leone, Afrika Barat sejatinya adalah bisnis kotor. Nilai total berlian yang diekstraksi di negara ini dilaporkan mencapai USD 320 juta , namun sayangnya para pekerja tambang tidak mendapatkan banyak.

Ironisnya, Distrik Kono yang merupakan tempat di mana sekitar 250.000 orang bekerja sebagai penambang adalah salah satu distrik termiskin di negara tersebut.

6. Penambang garam Ethipoia


Danakil Depression yang terletak di Ethiopia merupakan depresi geologis yang dihasilkan dari divergensi tiga lempeng tektonik di Tanduk Afrika. Disana kamu akan menjumpai penduduk Afar yang sangat tahan cuaca panas.

Sebagian besar penduduk Afar merupakan penambang garam. Suhu tempat mereka bekerja disana dapat naik hingga 125°F. Tak jarang tenpat ini disebut sebagai tempat dengan cuaca terpanas di dunia.

7. Lineman (Tukang Kabel Listrik)
Pernah lihat videonya di youtube kan? Pekerjaan ini salah satu yang paling berbahaya di dunia. Sebab mereka tidak hanya berurusan dengan listrik tetapi juga ketinggian. Tidak hanya itu saja, kondisi cuaca yang buruk dan angin kencang diketinggan juga menjadi tantangan dalam pekerjaan ini. Di Amerika, lineman diberi upah 60 ribu dollar pertahunnya.

8. Pembersih TKP
Image: brightside.me
Bagi kamu yang tidak terbiasa dengan darah dan hal semacamnya, pekerjaan ini sangat tidak dianjurkan. Bila ada kasus pembunuhan, pembersih TKP harus dengan profesional menjalankan tugasnya.

Membersihkan seluruh noda darah dalam TKP, tak jarang mereka berurusan dengan otak yang bercecer atau organ tubuh manusia lainnya. Belum lagi, mereka harus menghadapi bau mayat serta membersihkan tikus ataupun belatung bila korban ditemukan beberapa minggu atau bulan setelah kematian.

9. Penguji Obat Nyamuk Malaria
Para ilmuwan yang berjuang melawan penyakit malaria harus mempelajari kebiasaan nyamulk malaria. Mau tidak mau, mereka juga harus menjadikan diri mereka sebagai bahan percobaan. Para ilmuwan Brazil nekat membiarkan tangan mereka digigit puluhan nyamuk malaria untuk menguji obat yang mereka ciptakan.

Itulah 9 pekerjaan paling mengerikan dan berbahaya di dunia. Bagaimana pendapatmu?



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