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.

4 Fakta Tentang Kematian di Hari Jumat yang Banyak Diimpikan Para Muslim



Bagi umat islam, Jumat merupakan hari yang spesial. Bukan hanya bagi mereka yang hidup, tapi juga untuk mereka yang sudah meninggal. Pasalnya, di hari Jumat, para Muslim dikatakan terbebas dari siksa kubur. Hal ini diperkuat dengan hadist nabi dan pandangan beberapa ulama.

Masih tentang hari Jumat, ternyata banyak orang yang menginginkan kematiannya datang di hari ini. Bukan tanpa alasan. Mungkin kamu belum tahu, menurut banyak riwayat, kematian di hari mulia ini memiliki banyak keuntungan. Lalu, seperti apa itu? Simak ulasannya berikut.

Tanda khusnul khotimah

Tak bisa ditampik jika Kamis malam hingga Jumat merupakan sebaik-baiknya hari bagi umat Islam. Dan, bila ada seorang muslim meninggal di hari tersebut, bisa dikatakan jika itu adalah salah satu tanda jika matinya dalam keadaan khusnul khotimah.

Seperti kita ketahui, seseorang tidak bisa memilih kapan ia mati. Hanya Allah yang menentukan waktu hamba-Nya akan kembali. Dan, beruntunglah bagi mereka yang diambil pada hari Jumat, sebab Allah telah memberikan waktu yang istimewa baginya untuk kembali ke asal.

Bebas dari siksa kubur
Setiap orang pasti merasakan kematian. Mungkin, di antara kita banyak yang takut dengan proses tersebut. Namun, bagi sebagian dari mereka yang mengerti, justru akan berdoa agar bisa cepat menemui ajal, terlebih di hari Jumat. Hal itu karena adanya hadist yang berbunyi, “Tidak ada seorang Muslim pun yang meninggal pada hari Jumat atau malam Jumat kecuali Allah SWT akan menjaganya dari fitnah kubur.” (HR. Ahmad no. 6582 dan At-Tirmidzi no. 1074).


Dari hadist tersebut, sebagian ulama berpendapat jika orang yang meninggal di hari Jumat akan dibebaskan dari siksa kubur. Namun, hadist tersebut tentu tidak berlaku bagi orang Islam yang meninggal saat melakukan dosa, misalnya meninggal dalam kondisi berzina, tentu akan ada perhitungan lain di alam kuburnya. Wallahua’lam.

Mendapat pandangan baik dari masyarakat

Seperti kita ketahui, setelah seseorang meninggal tentu masyarakat sekitar yang akan membantu merawat dan memakamkan jenazahnya. Dan umumnya, para tetangga yang turut terlibat mengurus mayat akan memandang baik pada orang yang meninggal di hari Jumat.

Hal itu kembali pada pandangan masyarakat yang menganggap Jumat adalah hari yang istimewa. Meski kondisi jenazah setelah dimakamkan adalah urusan gaib, namun masyarakat sekitar meyakini jika orang yang ditakdirkan meninggal di hari Jumat adalah orang-orang pilihan.

Ada jaminan surga bagi orang beriman yang meninggal di hari Jumat

Dalam kitab Hilyatul Aukiya’ yang sumbernya berasal dari sahabat RA, dijelaskan bahwa siapapun yang ditakdirkan Allah meninggal di hari Jumat, maka ia akan jauh dari siksa kubur. Waktu tersebut adalah hari Kamis malam setelah terbenamnya matahari hingga Jumat sebelum adzan magrib. Namun, manusia sama sekali tidak mengerti kapan dan nyawa mereka akan diambil.


Saat sakaratul maut, iblis dan setan akan berusaha keras membujuk manusia untuk menjadi murtad. Bagi mereka yang tak terbujuk dengan tipu daya setan, dan ia meninggal dalam kondisi tetap beriman di hari Jum’at, Allah menjamin dia salah satu penghuni surga.

Itulah keutamaan meninggal di hari Jumat. Sebenarnya, meninggal di hari apa pun semuanya baik. Asal kuncinya satu yakni iman dan Islam. Selama seseorang memiliki dua hal ini, maka selamatlah ia. Tapi jika tidak meskipun meninggalnya di hari Jumat, maka yang akan dihadapinya adalah kepedihan. Namun, memang sangat jarang orang-orang yang buruk meninggal di hari Jumat.


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