Suddenly uninsured? If you think you’re eligible for a special enrollment period (SEP) for health insurance, be ready to prove it. New regulations effective June 23, 2017, require 100 percent of consumers seeking an SEP in states served by the federal website platform to provide pre-enrollment verification.[1] Previously, about half of consumers requesting an SEP were required to do so.
The crackdown, which stems from a final rule issued April 18, 2017, aims to curb “misuse and abuse of special enrollment periods” by those who decided to enroll in coverage after they find out they need healthcare.[2]
Don’t Qualify for Special Enrollment?
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To help you understand how health insurance special enrollment periods will be handled from now on, here are five key things to know:[4]
1. You must have a “qualifying life event” to become eligible for special enrollment. Click here for an in-depth look at qualifying life events from CMS
2. Documentation will be required. If you have a qualifying life event, you will need to submit documentation that confirms it as requested by the exchange through which you enroll.
3. A deadline will apply. You will have 30 days to provide the requested information.
4. Roll-out of pre-enrollment verification will happen in two phases. The first phase starts June 23, 2017, and the second begins sometime in August.
On June 23, 2017, pre-enrollment verification begins for those who experience the following qualifying life events:
a.) Loss of qualifying health coverage (i.e., minimum essential coverage)
- Job-based coverage – yours or someone else’s
- Medicaid or Children’s Health Insurance Program (CHIP) coverage including pregnancy-related coverage and medically needy coverage
- Some student health plans – check with the school to verify that the plan counts as qualifying health coverage
- Individual or group health plan coverage that ends during the year
- Dependent coverage through a parent’s plan
b.) A permanent move
- Gained access to new health insurance plans due to a change in primary residence and
- Had qualifying coverage for at least one of the 60 days preceding the date of the move or
- Lived in a foreign country or in a U.S. territory for at least one of the 60 days preceding the date of the move
In August 2017, pre-enrollment verification will be added for those who experience the following qualifying life events (more details will follow later this summer):
a.) Marriage
b.) Gaining or becoming a dependent through adoption, placement for adoption, placement in foster care, or a child support or other court order
c.) Medicaid/CHIP denial
5. If you can’t prove you qualify for an SEP, you could remain uninsured. And, if you are not exempt from having minimum essential coverage, that means you could owe a tax penalty.
Read the CMS Overview
What if I’m denied special enrollment?
It is possible to file an appeal. However, you could find yourself without health insurance coverage and, as mentioned above, may owe a tax penalty if you are not exempt from the Affordable Care Act’s individual mandate.
Find Temporary Coverage
You may need to consider short term coverage, a hospital indemnity plan or another type of health benefits to help pay for healthcare until you have minimum essential coverage.
How do I begin the special enrollment process?
Visit www.HI4E.Org to get started. You will then be able to “Request-A-Free-Quote” or request extra guidance and assistance with finding coverage until your new Obamacare plan begins January 2018. We can also help you shop and price-out the available plans that may be left within your state.
Find A More AFFORDABLE Health Plan That Is Still Being Offered Within Your State, When You Shop At: www.hi4e.org HealthInsurance4Everyone & Health & Life Solutions LLC – Over 54,000 Combined Fans/Followers & We’re Growing Daily!!
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Uber CEO Travis Kalanick is taking an indefinite leave of absence amid a scandal over sexual harassment. Billionaire David Bonderman also resigned from Uber’s board, after making disparaging comments about women at a board meeting intended to address sexual harassment in the workplace. Uber has fired more than 20 employees as part of its own internal probe into what multiple sources have described as a culture of sexism.
The fallout continues four months after former Uber engineer Susan Fowler came forward with allegations that Uber’s human-resources team systematically ignored her reports of sexual harassment during the year she worked for the company. Fowler detailed her year working for Uber in a February 2017 blog post which went viral and kicked off an internal investigation into her claims of sexual harassment.
Fowler claimed that just days after completing her training, she was clearly propositioned for sex by her new manager over a string of messages over company chat. She immediately took screenshots of the messages and sent them to Human Resources. She was told by the HR Team that the manager in question would receive only a verbal reprimand since it was his first offense. She was then given the option of leaving the team which would give her no contact with the manager in question or stay on the team knowing that he could give her a poor performance review. She was told a negative review would not be considered retaliation because she had the option to leave.
Fowler left the team and while working with other female engineers within the company, learned that the manager had been reported for inappropriate behavior by multiple women prior to her interaction with him. She claims that despite having a perfect performance score, a request for transfer was blocked and the reasoning was “undocumented performance problems”. Her blog post also revealed instances of blatant sexism, the dwindling number of female engineers still with the company and chaotic political games within upper management as well.
CEO Travis Kalanick sent a company-wide email the day after the blog post which addressed the allegations published the day before. The company launched two internal investigations, hiring the law firm Perkins Coie to investigate Fowler’s claims – which resulted in the firing of 20 people after investigating 215 reported claims of discrimination and harassment, among other issues. The company then brought on former U.S. Attorney General Eric Holder and Tammy Albarran, both partners at law firm Covington & Burling, to conduct a separate investigation into Uber’s overall culture.
At the end of May, Uber received Eric Holder’s recommendations for change. The board met for more than six hours Holder presented the findings of his firm’s report. A representative for Uber’s board said it voted unanimously in favor of adopting all of Holder’s recommendations.
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In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, June 25th, 2017 was:
SARAH HARRISON
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
6/19/17
Allyson Becker
Pamela White Brearley
Samantha Brwn
Jennifer Mapes
Ashley Stamey Phillips
Trish Musgrave
Juanita Williams-Jones
Kathi Taylor
Melissa D’Ornellas Curtis
Christine McKinnon
Emily Rice Bowersock
Nitasha Shank
Shameka Barnes
Sarah Harrison
Jade Good
Crystal Dotson
Brooke Scott
Kelly Jo Francisco
Alisa Jones
Beth Epley Minton
Ashley Agner
Valerie Kuehn
6/20/17
Kelly Jo Francisco
Trish Musgrave
Susanne Killion
Lori Capobianco
Dawn Raasch
Rebecca Fauteux
Amy Chavis
Heather Jacques
Amber Hawkins
Sarah Bellestri Shih
D Shanel Collins
Eleazar Ruiz
Nancy Scharnhorst
Kristina Rosson
Brittany Michelle
Dean Bruss
Marcy Coull
Melissa D’Ornellas Curtis
Sheila Carvell
Chelcie Malow
Vickie Gipson
6/21/17
Sandra Sue Blanton
Christina Domingue
Bea Patrick
Diane Hamric
Kelly Jo Francisco
Lotorya Patrick
Patricia Oehlert Vazquez
Trish Musgrave
Kimberly Taylor Hall
Deidre LeDoux
Misty Shallcross
Sarah Bellestri Shih
Kim Floyd
Michelle Webb
Nikki Wooton
Jenny Merritt
Kaitlyn Rutherford
Angela Hendricks
Nitasha Shank
Tiffane Sloan
Tracy Shafer
6/22/17
Annette French
Deidre LeDoux
Kelly Jo Francisco
Tina Mimick
Eleazar Ruiz
Sarah Harrison
Nancy Scharnhorst
Traci Anderson
Brandy Williams
Kendra George
Jessica Miller
Brandi K Chaney
Mary Mcmenamy
Penny Fisher
Amanda Rosario
Alexis Maureen
Alisa Jones
Michelle Bartley
Sheila Carvell
Christina Domingue
6/23/17
Deborah Farris
Sarah Harrison
Shannon R Garrett
Lori Capobianco
Kelly Jo Francisco
Amanda Rosario
Brittany Whitley
Jean Simmons Homfeld
Brandy Williams
Crystal Young
Paula Rousseau
Beth Cleveland
Patricia Oehlert Vazquez
Nitasha Shank
Beth Epley Minton
Emily Rice Bowersock
Annette French
Belinda Haas
Becca Neuenschwander Long
Trish Musgrave
6/24/17
Jennifer Mason
Jade Good
Mary Achio
Tera Wardrip
Sheila Carvell
Darlene Whyte
Tracy Shafer
Jenny Meyers
Brandy Williams
Geri Rus
Michelle Cervantes
Abby Cox
Kelly Jo Francisco
Shameka Barnes
Amanda Rosario
Jessica Miller
Nelle Bailey
Jane Peterson
Monica Stewart
Michelle Hughes
Dale Fish
Amy Marie Wilkinson
6/25/17
Suzie Mize Lockhart
Trish Musgrave
Kelly Jo Francisco
Eleazar Ruiz
Alicia Smith
Amanda Saltsman
Dawn Raasch
Samantha Brwn
Anna Nichols
Beth Epley Minton
Nancy Scharnhorst
Valerie Kuehn
Brandy Williams
Jennifer Marie
Lora Heltne
Althea Thomas
Jenifer Garza
Ashley Stamey Phillips
Rebecca Hueller Crum
Sheila Carvell
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on…. 
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
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Two men died and a third is recovering after being stabbed on an Oregon train while defending two teenage girls from harassment. Jeremy Joseph Christian, 35, has been charged with two counts of aggravated murder, attempted aggravated murder, first-degree assault, three counts of unlawful use of a weapon and two counts of intimidation.
According to witness accounts and the arrest affidavit, Christian boarded a MAX light rail train on Friday, May 26, at 4:19 p.m. at the Rose Quarter stop. He then went on an anti-Islam tirade directed at two African-American teenagers on board — one who was wearing a traditional Muslim hijab. Christian shouted for the teens to get out of his country and to go home.
After making several threatening comments about “decapitating heads,” several men stepped in to diffuse the situation. Frightened, the two teens moved to the back of the train while other passengers told him he couldn’t treat people that way.
Videos from the train camera and a passenger’s phone showed Christian “making a sudden move” toward one of the victims, Taliesin Myrddin Namkai-Meche, 23, of Portland. Namkai-Meche responded by standing up as Christian shouted into his face “Do something!” Another passenger, 21-year-old Portland State University student, Micah Fletcher stood up as well and Christian shouted “Do something!” as he shoved Fletcher in the chest.
This is when Christian appears to pull a folded knife from his pocket that he concealed in his hand, the affidavit said. Fletcher shoved Christian so hard the suspect lost his balance. Fletcher told Christian to get off the train and Christian shouted “hit me again”.
Video shows Christian swinging his arm and stabbing Fletcher in the neck. He then stabbed Namkai-Meche twice in the neck. Ricky John Best, 53, of Happy Valley moved forward to intervene and was stabbed in the neck. Namkai-Meche had sat down to try to stop the bleeding from his wound when Christian pushed Best into him and stabbed both men again.
When the train came to a stop Fletcher who was clutching his neck, exited the train as passengers on the platform tried to help him. He was treated for his injuries and released by the hospital. Fletcher said in an interview that his injuries missed being fatal by one millimeter.
Ricky Best fell to the floor and two men rushed over to start CPR but the veteran and father of four, died at the scene. Namkai-Meche lay on the floor as passengers-including one of the teens he defended-reassured him and tried to stop the bleeding. He later died at the hospital.
The train video showed Christian grabbing his belongings and a bag dropped by the Muslim teenager and leaving the train while waving his knife as he got off the train. He threatened several people on the platform with his knife and tossed the teen’s bag onto the freeway as he exited. Several witnesses followed Christian and directed responding police officers to his whereabouts.
After his arrest, Christian admitted to drinking Sangria before and while on the train. He has what appears to be an extremist ideology with an affinity for Nazis and political violence, according to his social media postings.
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In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, June 4th, 2017 was:
CHRISTINA MONTES
San Antonio, TX
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
5/29/17
Paula Rousseau
Diane Hamric
Amy Conyers
Althea Thomas
Tracy Shafer
Patricia Oehlert Vazquez
Kayla Clemons
Amy Stonger
Alicia Smith
StefJohn McClain-Sampson
Shannon R Garrett
Jessica Miller
Sheila Carvell
Dena Baji
Ashley Stamey Phillips
Anna Nichols
Amanda Kyrie’ Ayala
Trish Musgrave
Tera Wardrip
Michelle Hughes
Kelly Jo Francisco
Megan Hackworth
Luis Vazquez
Jade Good
5/30/17
Patricia Oehlert Vazquez
Mary Mcmenamy
Jennifer Ramlet
Juanita Willaims-Jones
Kelly Jo Francisco
Glenna Zanaglio
Peggy Burdick Buchanan
Krissy Brislin
Deborah Farris
Cheryl Hall
Tonya Velazquez
Lauren Bradley
Nai Merri
Geri Rus
Luis Vazquez
Kimberly Taylor Hall
Darbie Brown
Michelle Webb
Kayla Hernandez
Lauren Bradley
Leslie Wagner Hobson
5/31/17
Kelly Jo Francisco
Deborah Farris
Kimberly Snyder
Jennifer Ramlet
Michelle Hughes
Jacqlyn Gummert
Kizzy Alvarez DeSantis
Darbie Brown
Emilie Edwards
Mary Achio
Heather Marie Stacy
Cassandra Berholtz
Anna Nichols
Melissa Ann Stura-Bassett
LaKishia Wagers
Charlotte Dennis
Myranda Medlin
Brittany Marie Thompson
Mikey Mellor
Tonya Velazquez
Cassandra L. Penley
6/1/17
Jessica Miller
Ashley Stamey Phillips
Cheryl Hall
Jennifer Ramlet
Jacqlyn Gummert
Taschia Miller
Brittany Michelle
Jade Good
Kelly Jo Francisco
Nelle Bailey
Brittany Marie Thompson
Amanda Peters
Tera Wardrip
Misty Shallcross
Jonnalyn Gates
Michelle R. Carlino
Anggie Marie
Tiffany Greene Elliott
Shannon R Garrett
Brandy Williams
Traci Anderson
6/2/17
Daniela Hernandez
Valerie Kuehn
Christy Hawkes
Brittany Michelle
Tera Wardrip
Nitasha Shank
Jennifer Mason
Mary Achio
Peggy Burdick Buchanan
Abby Cox
Deborah Farris
Nai Merri
Jennifer Lang
Emilie Edwards
Andrea Timms
Mya Murphy
Misty Dawn Moores
Sean Stover
Fitch Donna
Joanie Waterman
Bronnie Harrison
Stephanie Caldwell
Joann Tompkins-Winborn
Melissa Ann Stura-Bassett
Sara Biason
Melinda Dreier
6/3/17
Deborah Farris
Juanita Williams-Jones
Jennifer Mapes
Kimberly Snyder
Shannon R Garrett
Priscilla Shimp
Nitasha Shank
Jackie Poole
Joleen Renee
Danii Muniz McGlothin
Lauren Bradley
Christina Montes
Nelle Bailey
Kendra Lynne Ramsey
Sarah Bellestri Shih
Susanne Killion
Laurie Griffith
Belinda Haas
Christine McKinnon
Dawn Raasch
6/4/17
Heather Marie Stacy
Brittany Whitley
Anna Nichols
Kathleen Hickman
Deborah Farris
Tonya Velazquez
Destiny Landsaw Davis
Mary Achio
Alisa Jones
Shannon R Garrett
Kayla Hernandez
Jodi Stevens
Phyllis Hines
Nelle Bailey
Valerie Kuehn
Lotorya Patrick
Eleazar Ruiz
Karyn Koehler
Carol Yemola
Dawn Miller Majors
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
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United Airlines has reached a settlement with Kentucky physician, Dr. David Dao, who was dragged off a plane at O’Hare International Airport in early April. The incident aboard Flight 3411 was captured on video by passengers on the plane and widely shared online around the world. It quickly became an international embarrassment for both the carrier and the city’s aviation department.
Dao’s attorney Thomas Demetrio, announced that a settlement had been reached, but terms were not disclosed. The airline released a written statement in response to the announcement: “We are pleased to report that United and Dr. Dao have reached an amicable resolution of the unfortunate incident that occurred aboard flight 3411. We look forward to implementing the improvements we have announced, which will put our customers at the center of everything we do.”
The airline unveiled new policies earlier in the same day the settlement was reached. Part of the new policies include a promise to not use law enforcement to remove overbooked customers from planes, additional training for front-line employees and setting up an automated system that will ask passengers at check-in if they would be willing to give up their seat. United CEO Oscar Munoz also pledged to reduce the amount of overbooking and offer up to $10,000 for customers willing to volunteer to take a later flight.
Dao’s attorney praised Munoz for agreeing to the settlement. “Mr. Munoz said he was going to do the right thing and he has. In addition, United has taken full responsibility for what happened on Flight 3411, without attempting to blame others, including the City of Chicago. For this acceptance of corporate accountability, United is to be applauded.”
Demetrio added “Dr. Dao has become the unintended champion for the adoption of changes which will certainly help improve the lives of literally millions of travelers. I sincerely hope that all other airlines make similar changes and follow United’s lead in helping to improve the passenger flying experience with an emphasis on empathy, patience, respect and dignity.”
Dr. Dao, 69, of Elizabethtown, Ky., was one of four passengers picked to be bumped from an April 9th flight from Chicago’s O’Hare International Airport to Louisville, Ky., to make room for four airline employees who were added to the flight shortly before it departed. When he refused to leave, multiple Chicago Department of Aviation security officers were called to remove him.
According to a report released by the Chicago Department of Aviation, Officer James Long boarded the plane to respond to a disturbance involving two passengers who were refusing to leave the aircraft. When he approached Dao’s seat and asked him to leave, Long said Dao “folded his arms tightly” and refused to leave the aircraft. The officer said he was able to “hold” the physician in order to remove him from his window seat.
A struggle ensued between Dao and the officer in the isle of the aircraft. Dao, who was hospitalized in Chicago, suffered a concussion, a broken nose and lost two teeth in the ordeal. The viral video shows Dao being dragged by his arms down the aisle of the plane as other passengers watch in horror.
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At least 140 Afghan soldiers were killed after Taliban militants disguised as soldiers, drove onto a military base and opened fire on soldiers leaving Friday prayers. Around 130 of the victims were young recruits who had just graduated from military school. A national day of mourning followed as the calculated Taliban attack was the deadliest on an Afghan military base in the last 16 years.
Camp Shaheen, in northern Afghanistan, was considered one of the nation’s most secure bases in the now relatively peaceful city of Mazar-i-Sharif. Though the April 21st death toll was high, it could have been much higher. It began when two pickup trucks with at least eight Taliban fighters disguised as ANA soldiers passed through multiple checkpoints undetected with fake military identification cards used to obtain access.
An intelligence officer who survived the attack said the attackers were clean-shaven and had what they claimed to be a bloody and bandaged, wounded soldier in the backseat. The “soldier” acted like he was in pain and the disguised attackers claimed it was a medical emergency, insisting that they needed to be let into the base immediately to save the soldier.
As the trucks made it to the final checkpoint which was manned by three guards and no barricade-the guards radioed headquarters to find out if the army hospital was expecting the urgent case. The guards were instructed to let them through but to inform them that they must leave their cache of weapons at the gate. The insurgents refused to leave their weapons and a fierce fire fight with the guards ensued. The Taliban attackers shot all three guards, killing two while the third remains in a critical condition.
After the altercation at the last checkpoint, the attackers made their way into the mosque just as prayers had ended and people were making their way outside. Armed with a machine gun installed on the roof of one of their trucks, the attackers sprayed bullets into the crowd.
As explosions went off, terrified recruits began running for safety. Nearby, an attacker in disguise was calmly directing terrified recruits “to safety” by ushering them inside the dining hall. Trusting the familiar uniform, many young recruits poured in, minutes later, he blew himself up — killing more than 20.
Many recruits ran back into the mosque for safety but the attackers followed them in, mercilessly killing them. A survivor inside the mosque said that as he “played dead” among bodies of fallen recruits he heard a voice call out that “it was over” and “survivors stand up.” Slowly, several survivors rose only to be shot dead.
As deadly as this calculated was, if it wasn’t for the altercation at the final checkpoint, it is likely the casualties would have been far higher. It is believed that the intention of the attackers was to breach the mosque and open fire during final prayers — where 1,500 unarmed personnel would have been easy prey in one enclosed space.
Following the ongoing investigation and amid speculation of inside assistance in the attack, 8 ANA personnel have been arrested while more remain under investigation. Afghanistan’s defense minister and Army chief have also resigned.
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Relations between North Korea and the US and South Korea have rapidly deteriorated in recent months, as the rhetoric and military posturing on both sides has increased. North Korea has threatened to sink a U.S. aircraft carrier that is conducting military drills, along with Japanese ships, in the waters off the Korean Peninsula.
U.S. Aircraft carrier Carl Vinson, guided-missile cruiser USS Lake Champlain and guided-missile destroyers USS Michael Murphy and USS Wayne E Meyer have practiced for war with North Korea with a series of military drills. US allies South Korea and Japan surrounded North Korea with joint exercises on both sides of the Korean peninsula. The navy fleet is now within “striking range” of North Korea, in the Philippine Sea- just east of the Japanese island of Okinawa.
North Korea conducted its own military drills which involved 300 large-caliber self-propelled guns lined up along the coast where they opened fire with live rounds. A statement from the South Korean military said the live-fire exercises were in the Wonsan region in the east of the country. North Korea fired four ballistic missiles toward Japan as part of its exercise targeting US bases there.
Soon after those drills were conducted, the US began to deploy its advanced THAAD anti-missile defense system in South Korea, despite opposition from Russia and China. The deployment of the Terminal High Altitude Area Defense (THAAD) anti-missile system came THAAD is a missile defense system designed to intercept short and medium-range ballistic missiles as they begin their descent to their targets. Developed by Lockheed Martin, THAAD missiles use infrared seeker technology to locate their targets and detonate on impact.
Both Russia and China have spoken out against the THAAD deployment. China’s Foreign Ministry stated that it was “resolutely opposed” to the move and say the missile system actually aims to counter China’s military power in the region, not to contain North Korea. The deployment also drew protests from hundreds of villagers in Seongju, South Korea, who clashed with police as troops began deploying THAAD hardware on a local golf course.
The Trump administration called the entire US Senate to a meeting at the White House, for a briefing on North Korea with the US secretaries of Defense and State. President Trump recently stated “North Korea is a big world problem, and it’s a problem we have to finally solve. People put blindfolds on for decades and now it’s time to solve the problem.” Many fear that Trump is backing himself into a corner with his firm stance on North Korea, leading both countries to a point where “bad things are going to happen.”
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While the Obama ‘Affordable’ Care Act (ACA) aims to decrease the number of uninsured Americans, there are many who remain without coverage for one reason or another.
Kaiser Family Foundation research found that:
- 48 percent of adults uninsured in 2014 said the main reason they lacked coverage was due to cost
- 12 percent cited work-related reasons
- 13 percent were told they were ineligible or could not get coverage due to their immigration status
- Few uninsured adults were uninsured because they said they didn’t need coverage, opposed the ACA or preferred to pay the penalty
If you are among these individuals, what impact could having no health insurance have on you?
The consequences of going uninsured widely vary based your health and finances, amongst other things. In terms of the ‘Affordable’ Care Act and its individual shared responsibility provision, going without an Obamacare plan can also have tax implications.
What are those tax implications?
It depends on your situation.
Do you qualify for an Obamacare ACA exemption?
While the ‘Affordable’ Care Act’s individual shared responsibility requires most Americans to have health insurance, there are certain situations in which exemptions are granted. Those who qualify for exemptions will not owe the shared responsibility payment for going without minimum essential coverage.
Some examples if exemption-eligible circumstances include:
– Having a gross or household income below the minimum threshold for filing a tax return
– Experiencing general hardship due to circumstances such as homelessness, foreclosure, death of a close family member, unpaid medical bills and more
– Being a resident of a state that did not expand Medicaid
Some Obamacare exemptions must be claimed or reported when you file your taxes. Others are automatic. More information is available at IRS.gov. If you believe you might qualify for an exemption, speak with your health insurance producer and/or a financial adviser.
You are allowed a single period of up to three months without ACA-compliant health insurance coverage. If you do not qualify for an exemption and have no health insurance beyond this, you could owe the shared responsibility payment.
This fee is paid when you file your federal taxes for the year in which you were not compliant with the healthcare reform law. If you went without minimum essential coverage for all or part of 2016, you would pay the Obamacare tax penalty when filing taxes for 2016.
What is the penalty for no health insurance in 2016?
The tax penalty for going without health insurance increased in 2016. It is now the greater of these amounts:
- 2.5 percent of your income above the filing threshold, capped at the national average premium for a bronze plan available through the Marketplace
- $695 per adult and $347.50 per child to a maximum family penalty of $2,085
The penalty will continue to adjust annually based on inflation and the flat dollar amounts for 2016.
No health insurance? You could benefit from short term benefits
Whether or not you are exempt from the shared responsibility provision, you might consider some other type of coverage beyond major medical insurance (i.e., an Obamacare plan) to help pay for healthcare expenses.
Short term health insurance provides temporary coverage when you are in between Obamacare plans. While these plans are not ACA-compliant and do not qualify as minimum essential coverage, they do provide a range of benefits for unexpected medical care and often have premiums that are a fraction of major medical insurance premiums.
Short term health plans last as few as 30 days and up to 364, depending on how long you think you will need temporary coverage and the laws in your state. You can apply and enroll online through websites such as www.HI4E.Org , and you can begin your coverage as soon as the next day.
Think short term. Get a quote.
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At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 
Click-On for LinkedIn: LinkedIn
Like us on facebook: HealthInsurance4Everyone 
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.
LegalShield
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In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, April 23rd, 2017 was:
SUSAN JETTE
New Haven, CT
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
4/17/17
Priscilla Shimp
Sherri Kidwell
Michelle Hughes
Crystal Moyer
Mya Murphy
Crystal Hazelwood
Kizzy Alvarez DeSantis
Carla S-Paige Williams
Brandi Chaney
Melissa Turner Baker
Belinda Haas
John Mellor
Valerie Kuehn
Alicia Dansby
Steve Hardy
Teena Sierson
Megan Rhyne
Amy Marie Wilkinson
Tina Marie
Susan Clarke Jette
4/18/17
Lisa Puckett
Brandy Marie Williams
Priscilla Shimp
Michelle Hughes
Ashley Stamey Phillips
Jennifer Mason
Tina Marie
Jonnalyn Gates
Deborah Farris
Angela Nicole
Nai Merri
Karen Jaras
Marie Beauregard
Kayla Clemons
Kathleen Hickman
Susan Clarke Jette
Christy Hawkes
Ralph Gonzales
Andrea Workman
Tammy Alcorta
4/19/17
Melissa Turner Baker
Jennifer Sparks
Carol Scheive
Brittany Marie Thompson
Andrea Workman
Shawna Poole
Dean Bruss
Sean Stover
Priscilla Shimp
Shelby Lynn
Lisa J Wright
Rhonda Nicholson
Ashley Oshier
Jennifer Downing
Tammy Alcorta
Lotorya Patrick
Dawn Raasch
Chrissy Kim
Valerie Kuehn
Carrie Strickland
JoBeth Butcher
4/20/17
Crystal Young
Alexandria Fields
Mary Achio
Emily Rice Bowersock
Amanda Rosario
Anna Nichols
Angela Nicole
Brooke Scott
Dale Fish
Roberta Thomas
Amy Cantrall-McDaniels
Abby Cox
Jennifer Saavedra
Anggie Marie
Kim Floyd
Kendra George
Raquel Perez-Espinal
Sean Stover
Tonya Velazquez
Tiffany Greene Elliott
Amy Chavis
Misty Shallcross
4/21/17
Nikki Hunsaker
John McKnight
Suzie Mize Lockhart
Dawna McKnight
Tonya Velazquez
Lori Capobianco
Mary Mcmenamy
Stephanie Beckwith
Nai Merri
Jennifer Saavedra
Alicia Dansby
Kelsey Mcknight
Ashley Stamey Phillips
Tracy Shafer
Geri Rus
Dean Bruss
Brandi Kerr
Misty Shallcross
Morgan Alexandra
Valerie Kuehn
Johanna Landsaw-Davis
4/22/17
Sheila Carvell
Anna Nichols
Shelby Lynn
Andrea Timms
Amy Chavis
Carole Jacobs
Brittany Michelle
Juanita Williams-Jones
Jakara Jackson
Chris Maxwell
Alisa Jones
Lisa Puckett
Carrie Strickland
Adaria Johnson
Samantha Maxwell
Brandy Marie Williams
Amanda Thomas
Christine McKinnon
Kimberly Taylor Hall
Phylicia Phillips
Cristina Spolnick Beeson
4/23/17
Juanita Williams-Jones
Misty Shallcross
Shelby Lynn
Kendra George
Kayla Clemons
Tiffany Greene Elliott
Jennifer Saavedra
Phylicia Phillips
Becca Dotsun
Lori Marie Timms
Paula Rousseau
Tonya Velazquez
Jean Simmons Homfeld
Jennifer Ramlet
Jennifer Kinner
Jennifer Downing
Amanda Rosario
Jennifer Mason
Kaitlyn Rutherford
Anne Hanson
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
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At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
Read more
