Washington DC Health Insurance:
The District of Columbia will forge ahead with plans to build a virtual marketplace where the uninsured and small businesses can compare health insurance providers, even if Republican nominee Mitt Romney wins the White House and President Obama’s signature health care law is repealed, city officials said Thursday. While many states decide whether to set up a state-run health exchange or let the federal government run it for them under the Affordable Care Act, the District has been viewed as a leader among jurisdictions that bought into the federal law from the start. Legislation from the D.C. Council and a $73 million federal grant to set up the exchange’s infrastructure puts the city in a position to move ahead with its plans, no matter what happens on Capitol Hill, according to Dr. Mohammad N. Akhter, chairman of the Health Benefit Exchange board.
Most importantly, the board said the exchange will be the sole health insurance marketplace for individuals and small businesses — defined as companies with fewer than 50 employees — so the entity can be sustained in “this unusually small market.” The District’s population of about 618,000 makes it smaller than every state except Wyoming.Under the settled-upon structure, the exchange should have more than 100,000 customers, which officials have pointed to as a key threshold for a thriving exchange.D.C. Council member David Catania, at-large independent, praised the merger of the individual and small-business markets as “an inspired and correct approach.”
Life insurance is a practical way to protect your family’s financial hopes and dreams, yet millions of Americans have no life insurance coverage!
In fact, only 53 percent of adult Americans have life insurance protection. Less than half of those are individual policies, while others depend upon group insurance, leaving them underinsured as well as vulnerable to being uninsured if they lose their job. When you purchase a life insurance policy, your primary thought is usually security for your family and beneficiaries. Knowing that there will be funds available for your final expenses, the mortgage and income replacement after you are gone can be a great comfort to your spouse or loved ones.
The death of a family member can be devastating to survivors both emotionally and financially. Life insurance can provide cash to help with:
* Immediate needs, including funeral expenses, unpaid medical bills and taxes.
* Income replacement – to allow your family the chance to continue living the life to which they are accustomed.
* Long-term needs, including the costs associated with maintaining your home, including child care, home maintenance, and extended care for a disabled child or
* Life insurance is not for people who die, it’s for the people who live. According to a study by LIMRA, 45 percent of widows and 37
percent of widowers said their spouse had been inadequately insured. Most households hit by a premature death saw a minimum 15 percent drop in income.
* When you buy life insurance, you buy a promise of protection in the event of an untimely death.
By planning for the inevitable now, your loved ones can be cared for in the future.
State Farm® has been in the business of providing excellent auto insurance coverage at an affordable price since 1922.
Responding to our customers’ needs keeps us the leader in auto insurance.
Car insurance coverage is designed to help financially cover potential auto-related damages, loss or injuries.
It helps protect you, your passengers, your fellow drivers, pedestrians, other people’s property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit.