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Have You Chosen the Right Healthcare Plan for Your Family?

Have You Chosen the Right Healthcare Plan for Your Family?

Unless you have health care coverage and benefits under your employer, the task now falls to you to select the right healthcare plan for you and your family. Since the passing of the Affordable Care Act (ACA), also known simply as “Obamacare,” it is now mandatory for each person to select a healthcare plan or risk paying a penalty annually at tax time.

So learning the ins and outs of the still-complicated healthcare system is now an urgent necessity. In this post, learn more about how the Affordable Care Act provides you with options so you can choose the right plan for your family.

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An Overview of Obamacare Health Insurance Plans

The federal government’s healthcare website, Health Insurance Marketplace, offers you an overview of how Obamacare insurance plans are structured to work.

For example, there are 5 categories of health insurance plans you can choose from, listed here in order from least amount of coverage (and lowest premium) to highest:

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  1. Catastrophic
  2. Bronze
  3. Silver
  4. Gold
  5. Platinum

There are also different types of plan structures, including these:

  • HMOs (health maintenance organizations). You must use providers that participate in the plan and may need to live in certain geographic areas.
  • PPOs (preferred provider organizations). You can use any provider but will pay less if you use providers that participate in the plan. You don’t need a referral to see a specialist.
  • POS (point of service plans). After getting a required referral from your primary care doctor, you will pay less by using the providers in the plan.
  • EPOs (exclusive provider organizations). You will be covered if you use the providers in the plan’s network.
  • HSAs (health savings plans). You can save up a certain amount annually on a tax-free basis to use for approved health care expenses. Usually, HSAs are a benefit included as part of a health plan.

How to Save Money on a Family Health Care Plan

The Affordable Care Act maintains that financial assistance in the form of a subsidy is available for individuals and families whose income falls below a certain threshold. But in order to get the subsidy applied to your monthly health care premium, you must purchase your healthcare plan through the Health Insurance Marketplace.

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The website will walk you through how to calculate how much of a subsidy you may qualify for by inputting certain personal and financial information. You can then choose whether to apply all of your subsidy, part of it or none of it. You can also reserve part of it to purchase optional dental or vision coverage.

Another way to save money on a family health care plan through the Marketplace is to choose a lower level of coverage. Platinum, as the highest level of coverage, will come with the highest premiums. Bronze, as the lowest level of coverage, will come with the lowest premiums (save for Catastrophic, which is a category only certain individuals are eligible to choose).

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If you choose to work with an insurer, you can get free insurance quotes to decide on the most affordable premium for the level of coverage you need.

How to Decide How Much Coverage Your Family Needs

The best way to determine how much coverage you may need is to take the health history of each family member. You can then start with any ongoing issues that require medical treatment and review each plan to ensure the level of coverage is adequate to address those issues.

It is also important to remember that, under Obamacare, preventative health care services for women have expanded and pre-existing conditions can no longer be disqualified by insurers. Also, in some plans, dental and vision care is automatically provided for minors. In this way, these new plans strive to give you the most coverage economically.

Featured photo credit: pexels.com via pexels.com

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Kevin Faber

CEO Silver Summit

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Last Updated on September 17, 2018

10 Reasons Why You Should Get Naked More Often

10 Reasons Why You Should Get Naked More Often

Getting naked is often thought of as an act that should only be reserved for intimacy—and even then some get squirmy! Many people are more comfortable believing that the more clothes you are wearing the better. However, getting naked more often can have great benefits for you. Here are 10 great reasons to get naked more often:

1. It burns more fat.

Your body’s main supply of brown adipose tissue (BAT), or good fat cells, are located around your shoulder blades and neck. When your body is exposed to the elements and is cooler, the BAT proliferates and essentially kills the white adipose tissue, aka bad fat cells. So, not wearing any clothes helps promote this and makes you healthier.

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2. You’ll become comfortable with who you are.

Self-acceptance is hard to come by today. Ask anyone you know and see if they are happy with themselves. Chances are they will say they are too fat, not pretty, and find all of the flaws that they can. In reality, others do not see this. They see that you are beautiful. When you begin to get naked, you learn to appreciate your body and realize how beautiful you really are.

3. It saves you money.

Being naked more often saves on buying new clothing since you are wearing nothing a lot of the time. Be careful when you are in public, though—you may have to put on some clothes!

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4. It increases your immune system.

Being naked and getting exposure to the sun’s rays actually increases your body’s vitamin D levels. Vitamin D is directly related to your immune system. When you have optimal levels of vitamin D, your body’s immune system is impeccable, and you will be better equipped to ward off viruses, including the common cold and flu. So go lay outside naked on your private balcony or in your yard.

5. It makes you face your fears head on.

People cringe today when you mention the words “get naked.” They are so afraid of it—and today’s children are so ingrained with this—that they must wear layer upon layer to deal with their body image. However, when you are naked, you face your fears of body image and self-acceptance, experiencing some of the best moments of your life.

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6. You will feel better in your clothes.

When you do wear clothes (because not everyone has yet accepted being naked in public), you will start to choose clothing that accentuates the parts of your body that you love. You will begin to notice that maybe that muumuu does not flatter your beautiful curves and start wearing clothes that you love.

7. You will embrace vulnerability.

When you put yourself out there, it is a natural reaction to have fear and worry. However, this is an opportunity to embrace being vulnerable. It allows you to think and get down to the core of what really matters and what is of importance to you. When you strip away all of the excess, you are 100% you and willing to take on anything that comes your way.

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8. You will show the world the real you.

Today, we have many ways of altering our appearance from our true body image when we wear clothing. Some people alter their image so much that they fear getting naked with the person they love. It seems crazy that this could even happen; however, the rise in use of breast-enhancing bras and Spanx products has put this idea into people’s minds. This all goes back to being comfortable with your true body image. If a person really does love you, then they should not love you based upon your image. If they do, then you may even decide that the ever-so-uncomfortable leggings that go up above your waist to hold in all of the imperfections may not be worth it after all.

9. You will have fun.

Well, this could go in all sorts of directions. But when you are comfortable with your naked body and see it as being flattering, then life is more fun. You start realizing that you are beautiful and are willing to do more things that you probably would not have done otherwise—with and without your clothes on.

10. You can have intercourse with the lights on.

Many people are self-conscious about the way they look and decide that the less lighting the better when they are intimate with their partner. It’s nothing new. If you survey your best friends, you will probably come to this conclusion too. They may say that it even gets awkward, because they are more concerned with what their partner thinks of their body than just having and enjoying amazing intercourse. When you love the way you look naked, you will also want to have your partner see you at your best.

What are you waiting for? Start spending more time in the buff today and begin to change the way you think about your body.

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