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.

Adab Atau Tata Krama Ketika Bepergian Dalam Islam

Adab Atau Tata Krama Ketika Bepergian- Tidak mungkin kita sebagai manusia akan selamanya hidup dan tinggal di rumah. Pada saat tertentu pasti kita akan meninggalkan rumah untuk bepergian karena ada kepentingan  maupun kebutuhan, baik itu kepentingan kerja, silaturahmi, liburan, atau kepentingan lainnya. Tentunya kita bepergian dengan maksud dan tujuan yang baik.

Apa bila kita hendak bepergian. jangan langsung berangkat begitu saja, akan tetapi hendaknya memperhatikan tata krama atau adab bepergian agar dalam perjalanan selalu dilindungi oleh Allah Swt. Menurut ajaran Islam hal-hal yang harus disiapkan adalah sebagai berikut:

Brikut ini adalah adab atau tata krama dalam bepergian.
1. Memantapkan Niat
Niat yang mantap ketika hendak bepergian itu penting. Karena dengan niat yang mantap akan menentukan kemana kita akan bepergian. Seseorang yang bepergian tanpa tujuan yang jelas akan berakibat setan yang menentukan tujuannya dan tentu saja akan menyesatkan, misalnya ke tempat maksiat.
ثُمَّ لَآتِيَنَّهُمْ مِنْ بَيْنِ أَيْدِيهِمْ وَمِنْ خَلْفِهِمْ وَعَنْ أَيْمَانِهِمْ وَعَنْ شَمَائِلِهِمْ ۖ وَلَا تَجِدُ أَكْثَرَهُمْ شَاكِرِينَ
Artinya:
"Kemudian saya akan mendatangi mereka dari muka dan dari belakang mereka, dari kanan dan dari kiri mereka. dan Engkau tidak akan mendapati kebanyakan mereka bersyukur (ta'at). (Q.S. Al-A'raf :17)
2. Mengenakan pakaian yang pantas, bersih, rapih.
Dengan memakai pakaian yang layak bersih,dan rapih ketika akan bepergian itu penting agar pada saat bepergian badan terasa nyaman dalam perjalanan dan enak dipandang oleh orang lain.

Baca juga : Kumpulan doa sehari-hari beserta artinya

3. Mempersiapkan bekal yang dibutuhkan
Jika kita ingin bepergian apa lagi bepergian jauh sudah pasti memerlukan waktu yang lama, maka harus mempersiapkan bekal tau kebutuhan yang memadai. Termasuk mempersiapakan kondisi fisik yang segar, sehat, makanan, minuman, pakaian dan bila perlu membawa perlengkapa untuk sholat.

4. Berpamitan kepada keluarga yang ada dirumah atau tetangga terdekat
Jika akan bepergian jangan lupa untuk berpamitan, dan juga memberi tahu kemana kita akan pergi serta berapa lama kita akan pergi. Bila perlu mininggalkan pesan kepada anggota keluarga jika anggota keluarga sedang tidak dirumah.

5. Memberi salam kepada keluarga yang ditinggalkan dirumah
Dengan memberikan salam kepada keluarga yang ditinggalkan agar kita atau keluarga yang ditinggalkan mendapat lindungan dari Allah Swt.

6. Ketika akan berangkat membaca doa
Setelah memantapkan niat, dan mempersiapkan perbekalan, dan berpamitan. Hal lain yang tak kalah penting adalah berdoa agar selamat sampai ditempat tujuan. Begitu juga keluarga yang ditinggalkan dirumah juga dapat selamat. Untuk doanya adalah sebagai berikut:

بِسْمِ اللهِ تَوَكَّلْتُ عَلَى اللهِ لاَحَوْلَ وَلاَقُوَّةَ اِلاَّ بِاللهِ
Bismillaahi tawakkaltu 'alalloohi laa hawlaa walaa quwwata illaa bilaahi

Artinya: "Dengan menyebut nama Allah aku bertawakal kepada Allah, tiada daya kekuatan melainkan dengan pertologan Allah."

7. Berhati-hati, tenang, tidak terburu-buru, dan lewat jalur yang benar dan aman.
Bepergian dengan berhati-hati, bersikap tenang, tidak terburu-buru atau tergesa-gesa dan lewat jalur yang benar dan aman tentunya membuat perjalanan menjadi nyaman dan hati menjadi tenang serta agar selamat di tempat tujuan

8. Tidak angkuh dan sombong dalam perjalanan.
Apabila bertemu orang yang dikenal dalam perjalan hendaklah menyapanya atau menegurnya,  agar kita tidak di anggap sebagai orang yang angkuh dan sombong. Hal tersebut juga bisa mengikat tali silaturrahmi.

وَلَا تُصَعِّرْ خَدَّكَ لِلنَّاسِ وَلَا تَمْشِ فِي الْأَرْضِ مَرَحًا ۖ إِنَّ اللَّهَ لَا يُحِبُّ كُلَّ مُخْتَالٍ فَخُورٍ
Artinya:
"Dan janganlah kamu memalingkan mukamu dari manusia (karena sombong) dan janganlah kamu berjalan di muka bumi dengan angkuh. Sesungguhnya Allah tidak menyukai orang-orang yang sombong lagi membanggakan diri." (Q.S. Al-Luqman :18)

Demikianlah mengenai adab dan tata krama dalam bepergian menurut islam. semoga dengan adab dan tata krama bepergian diatas bisa bermanfaat dan selalu dilindungi oleh Allah Swt. Dari mulai berangkat sampai tiba ditempat tujuan dan jangan lupa jika mengendari kendaraan membaca doa naik kendaraan kemudian jika sampai di tempat tujuan membaca doa ketika sampai ditempat tujuan.




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