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.

European Super League: Who would win its hypothetical first season?



A European Super League.

German news magazine Der Spiegel claims it has proof that seven of Europe's biggest clubs held secret talks about forming a new breakaway competition.

Der Spiegel says leaked documents it obtained from whistleblowers show a start date of 2021 was discussed, and clubs involved would leave their national leagues and football associations to join it.

A senior UK government source told the BBC any such competition would harm the culture of English football.

And the Football Supporters' Federation believes its "primary interest is making as much money as possible, without any consultation with fans".

But for the sake of argument let's ask:

If it were starting tomorrow, who would be crowned champions?

How it would work:
Plans for the competition reportedly involved 16 clubs. Eleven would be founding members and five invited guests.

The 11 founding clubs would not face relegation and would be guaranteed membership for 20 years.

They were said to be:

Manchester United, Chelsea, Liverpool, Manchester City, Arsenal, Real Madrid, Barcelona, Bayern Munich, Juventus, AC Milan and Paris St-Germain.

The guest clubs for a proposed first season were said to be:

Atletico Madrid, Borussia Dortmund, Inter Milan, Roma and Marseille.

The 16 teams would be divided into four groups of four. The top two of each group would go through to the quarter-finals.

According to sports data analysts Gracenote, Barcelona would be the first season's most likely winners, followed by Juventus.

The table below shows each team's probability of progress - with an explanation further down.


How did they work it out?
Simon Gleave, head of sports analysis at Gracenote

Using the current Euro Club Index ratings but adjusting them based on whether the club is on an upward or downward trend, we can simulate a potential European Super League with the teams and format suggested in last week's reporting of the possibility. These are the results of a million simulations after drawing the teams into the initial four groups.

As the win percentages show, a competition involving these 16 clubs would involve at least seven teams who are currently nowhere near as strong as the rest. Arsenal, Borussia Dortmund, Manchester United, Roma, Inter Milan, AC Milan and Marseille all look a fair bit behind the others currently.

Currently ranked eighth on the Euro Club Index, Napoli were not among the 16 potential European Super League teams but their quality absolutely justifies their presence in such a competition as they have shown so far in Liverpool's Champions League group.

Barcelona would be the most likely winner of a European Super League were it to begin tomorrow, followed by Juventus, Bayern Munich and Manchester City. There would be around a 71% chance of the winners coming from that quartet.




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