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.

Ronaldo, Dybala, Firmino, Sancho: Champions League lessons so far

Halfway through the Champions League group stage and only Borussia Dortmund, Barcelona and Juventus (without much help from Cristiano Ronaldo so far) seem to be serenely heading towards the real hostilities in February.

The good news is that 2018-19 seems unusually rich in sub-plots and subtle narratives, and here are just a few of them.

Blank Ronaldo

The last season in which Cristiano Ronaldo scored fewer than 10 goals in the Champions League was 2010-11. Heading into matchday four he is yet to net for Serie A champions Juve, hampered of course by his suspension which meant missing the game with Young Boys on matchday two.

Even so, it means he goes into November without a Champions League goal for the first time since his final season with Manchester United, when he appeared in five group games without scoring, before waking up in the spring as United progressed to their second successive final.

So far in 2018-19, Ronaldo has an expected goals (xG) figure of 0.25 in 119 minutes of Champions League football and, in showreel terms, brought an exquisite save from David de Gea at Old Trafford.

His team-mate Paulo Dybala, in contrast, has had chances with an xG of 3.25 in 168 minutes, the highest figure in the competition this season, so it's not like Juventus aren't serving up quality.

All of which begs the question: is this just a bad autumn for Ronaldo, or is this Ronaldo's autumn?

Firmino - Brazilian's goals maths add up

The Liverpool transfer committee's decision to buy Roberto Firmino might just be working out.

Since the start of last season he has scored or assisted 19 goals in the Champions League, more than any other player in that period and three more than Manchester United have scored.

Just his basic goal total of 12 in barely 14 months is as many as the combined might of Diego Maradona and Bobby Charlton managed in the European Cup.

Yes, those players from older generations got fewer opportunities in a more streamlined competition, with the go-to example here always: Titus Bramble has played as many European Cup/CL games as Maradona.

But once you've got a taste for Firmino maths it's hard to let go, so here are some more sums: Firmino's 12 European Cup goals for Liverpool are as many as Michael Owen + Pep Guardiola ever scored, or Just Fontaine + Vincenzo Montella, or just Everton Football Club, or Philippe Coutinho + Kevin Keegan, or Dennis Bergkamp + Ruud Gullit.

I mean, I could go on...

Sancho the noughties player to beat

Jadon Sancho's footballing recreation of Auf Wiedersehen, Pet - a 1980s TV series that told the story of Englishmen forced to seek work in West Germany due to a lack of opportunities at home - has come into sharp focus in the Champions League.

It's all very well becoming one of the most effective players in the Bundesliga, especially if you are younger than Napster, but maintaining that level in Europe is seriously impressive.

How good is Sancho? Well, as the first bona fide representative of the 2000s/noughties/aughts in the Champions League, his current goals-plus-assists per 90 minutes rate of 1.10 compares pretty well to the best such player born in the 1990s (Neymar 1.03) and the 1980s (Lionel Messi, obviously, with 1.13).

Those two have been doing it much longer, of course, but you can't swap even 10 Ballons d'Or for youth and, along with all the other stuff, that's the resource Sancho has in spades.

Are Spurs doomed?

Losing to Inter and Barcelona in the first two matchdays was the nightmare scenario for Tottenham but a double header with PSV Eindhoven in the middle of the group stage was a chance to recalibrate, until a 2-2 draw - handed to their Dutch hosts by Hugo Lloris - extended Spurs' winless European run to a club record five games.

However, the history of English clubs progressing despite terrible starts in the Champions League is strangely positive, with three of the five teams to take one (or zero) points from their opening three group games making it through to the next round.

Take a bow Newcastle 2002-03 (quick summary: Andy Griffin defeats Juventus), Arsenal 2003-04 (quick summary: Andy van der Meyde defeats the Invincibles… but it's ok, for a bit) and Liverpool 2007-08 (quick summary: it turns out Besiktas are better at home than away) who all made it through from a similarly bad position.

None of them had to go away and win at the Nou Camp, though.



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