Archive | September, 2013

THIS IS WHY THE 1%TERS HATE THE HEALTH CARE GOV. PROGRAM; OBAMACARE.

29 Sep

OBAMA CARE COST LESS THAN CELL PHONETHIS IS WHY THE 1%TERS HATE THE HEALTH CARE GOV. PROGRAM; OBAMACARE. 

Quitting for Obamacare: Trapped workers may seek relief in new health exchanges 

JoNel Aleccia NBC News  

John Brecher / NBC News

OBAMACARE123.jpg - 3

Joseph and Claudia Schulz, a husband-and-wife real estate team in Phoenix, wanted to form their own business for years but were daunted by the prospect of giving up employer-provided health insurance. But now they plan to sign up for the new health exchanges offered under the Affordable Care Act and move ahead with their dream.

As millions of Americans wait to see how the federal health exchanges shake out, some who’ve been hanging onto their jobs just for the insurance say Obamacare gives them a new reason to bid their old employers goodbye.

One Arizona couple, Claudia and Joseph Schulz, just quit their jobs, in fact, and launched a husband-and-wife real estate team, largely because they can sign up this week for health insurance not tethered to any position.

“That was the fear before. We felt too much on our own,” says Claudia Schulz, 33, of Phoenix. “Now, if we’re able to make our dream come true of owning our own business, or at least giving it a shot, it’s worth it.”

Starting a business or retiring early will suddenly become an option under the new exchanges, experts say, especially for the many employees who have felt trapped by so-called “job lock” — being stuck in a position because of the benefits, usually health insurance, it provides.

“The Affordable Care Act completely changes the playing field,” says Paul Fronstin, director of the health research programs at the Employee Benefit Research Institute. “You don’t need your employer any more for health benefits.”

It may be particularly attractive for older workers — those in their late 50s and early 60s still too young for Medicare — who will find they can get affordable insurance despite health problems. That will free them from the trap of needing to work, but being too sick to stay on the job, experts say.

Entrepreneurs of all ages will be able to choose careers “based on the job where they’re going to be most productive,” says Laurel Lucia, a policy analyst at the Center for Labor Research and Education at the University of California, Berkeley.

But experts also caution there are many unknowns lurking in the launch of the exchanges. They’re a cornerstone of the ACA, widely known as Obamacare — the 2010 law aimed at boosting access to coverage so that more Americans will take care of their health.

Despite years of discussion, many Americans aren’t aware that the ACA may apply to them, including the 27 million it aims to cover by 2017. In late August, a month before the launch, four in 10 Americans were still unsure about whether the ACA remained law, according to a Kaiser Family Foundation poll.

“There’s very little knowledge out there at this point,” says Dean Baker, co-director of the Center for Economic and Policy Research, a liberal-leaning think tank in Washington, D.C. “We don’t know exactly what these plans will look like.”

Costs, provider choices and which benefits will be available on the range of basic “bronze” to cover-everything “platinum” plans have been estimated and modeled, but they won’t be certain until the exchanges go live as expected on Tuesday. Even then there will be changes and glitches, experts say. The federal government will run or help run the plan in 36 states; the rest plan to run their own.

About 7 million people are expected to sign up on the insurance exchanges, according to the Congressional Budget Office. That could include up to 1.5 million newly self-employed people as a result of ACA, according to a joint study by the Urban Institute’s Health Policy Center and Georgetown University.

“The idea is that when people have employer-sponsored insurance, even if they would like to start their own business, they might be reluctant to leave that job that provides them insurance coverage if they’re not confident they would be able to access affordable health coverage some other way,” Carole Gresenz, a health economist at Georgetown, told NBC News.

OBAMACARE123..jpg -2

CLICK THE FOLLOWING LINK:

http://www.nbcnews.com/health/quitting-obamacare-trapped-workers-may-seek-relief-new-health-exchanges-8C11277058

Video: A husband-wife business team who see the Affordable Care Act as an opportunity talk about why health insurance matters to their family.

That was certainly the case for Claudia and Joseph Schulz, the Phoenix couple who campaigned for health care reform in red-state Arizona, never knowing they’d need it themselves.

“We both worked for national builders. We both made a six-figure income,” Claudia Schulz says.

Then, in 2008, when the recession hit the construction industry hard, they both lost their jobs. At the same time, Claudia discovered a lump in her breast and Joseph developed a swollen lymph node in his groin, a possible sign of testicular cancer.

“I was going to lose my health insurance a week before my surgery,” she says. “I remember thinking, if it does turn out I have cancer, how am I going to keep my insurance? I remember thinking, oh my god, health insurance is a trap.”

Neither 0ne turned out to be sick, but the effects of the scare lingered. Joseph Schulz, a mortgage broker, took a job at an online university temporarily just to have insurance to cover the family, which includes three children ages 10, 7 and 2. Claudia went back to school for a master’s degree.

They were both hired back into corporate real estate jobs, but the Schulzes always wanted to work on their own. That’s when they remembered Obamacare.

“We thought, that law is actually going to be real now,” Claudia Schulz says. “Hey, we could get that insurance. We never thought of that for us.”

In September, Joseph Schulz quit his job as a mortgage broker and Claudia Schulz arranged to work as a consultant for her former firm. They have employer-sponsored insurance through Monday.

On Tuesday, they plan to sign up for the new exchanges in Arizona, where five insurers have filed to offer care. Based on their projected $150,000 income, plus family size, the Schulzes may pay about $1,250 a month in premiums for a silver plan, or more for the top-tier platinum plan they favor, according to a calculator offered by the Berkeley labor center. At 544 percent of the federal poverty level, that’s well out of range for any government subsidies.

The care will start Jan. 1. Until then, the Schulzes figure they’ll pay about $1,600 a month for COBRA benefits to extend their insurance. That’s all a big bite out of the family’s budget, far more than the $420 a month they’ve been paying.

The extra cash — and talk in Congress of defunding Obamacare — raises some questions about their decision, they admit.

John Brecher / NBC News

The Schulzes say they plan to buy the highest-priced ‘platinum’ plan offered through ACA to make sure they have adequate insurance coverage for them and their children Jas, 10, Alexander, 7, and Victoria, 2.

OBAMACARE 123ll.jpg - 1

“To be honest, we have that fear, that they might cancel it and it may not happen. We’d have to go back to employer-based insurance,” Claudia Schulz says. “But we’re still going through with it.”

In fact, a family emergency this week reinforced their support for affordable, independent insurance. Joseph Schulz’s 57-year-old stepfather suffered a sudden stroke on Tuesday that may leave him permanently disabled. The lifelong construction worker was recently laid off from his job and has no insurance. He may qualify for Social Security disability, but he’ll also be able to get health care through the new exchange.

Still, others considering quitting their jobs for Obamacare remain cautious. Jay Narey, a 49-year-old flight attendant in Dallas, says he plans to leave the skies and start a commercial real estate business — but not until late next year, after any glitches are addressed.

“I’m definitely interested,” says Narey. “Having access to health insurance is absolutely critical to self-employed individuals like me who no longer wish to be chained to a specific employer.”

And one 35-year-old Austin, Texas, man tells NBC News he plans use Obamacare to leave his “not exactly fulfilling” corporate job to become an independent consultant for a favorite food product. But he doesn’t want to share his name because he hasn’t told his boss – and he still needs insurance to cover his wife’s rheumatoid arthritis, a pre-existing health condition.

“I don’t know that we want to be the ones to lead out on the experiment,” the man says. “We’re probably going to wait and see how it all shakes out.”

JoNel Aleccia is a senior health reporter with NBC News. Reach her on Twitter at @JoNel_Aleccia or send her an email. 

PORQUE EL PROGRAMA DEL CUIDADO DE LA SALUD DE OBAMACARE VALE LA PENA.

27 Sep

PORQUE EL PROGRAMA DEL CUIDADO DE LA SALUD DE OBAMACARE VALE LA PENA.

No deje que los falsos profetas le den la mala informacion sobre el programa del “CUIDADO DE LA SALUD” DEL PRESIDENTE BARACK OBAMA; puesto que ellos solamente buscan beneficiarce de  la condicion de sus enfermedades.

OBAMA CARE COST LESS THAN CELL PHONE

Bienvenido al Mercado

El Mercado de Seguros Médicos es una nueva forma de obtener la cobertura que satisface sus necesidades.

A partir el 1 de octubre de 2013, usted podrá venir aquí para llenar una solicitud y ver sus opciones del plan, mientras tanto, podemos ayudarle a prepararse.

ELIJA SU ESTADO Y LE DIREMOS LOS PASOS A SEGUIR

Seleccione Su EstadoSeleccione Su Estado

OBAMACARE-GOV

Alabama        Alaska        American Samoa        Arizona        Arkansas        California        Colorado        Connecticut        Delaware        District of Columbia        Florida        Georgia        Guam        Hawaii        Idaho        Illinois        Indiana        Iowa        Kansas        Kentucky        Louisiana        Maine        Maryland        Massachusetts        Michigan        Minnesota        Mississippi        Missouri        Montana        Nebraska        Nevada        New Hampshire        New Jersey        New Mexico        New York        North Carolina        North Dakota        Northern Mariana Islands        Ohio        Oklahoma        Oregon        Pennsylvania        Puerto Rico        Rhode Island        South Carolina        South Dakota        Tennessee        Texas        Utah        Vermont        Virginia        Virgin Islands        Washington        West Virginia        Wisconsin        Wyoming

Si usted vive en Florida, puede usar el sitio Web HealthCare.gov para obtener cobertura médica, comparar los planes e inscribirse. Puede hacerlo a partir del 1 de octubre de 2013. Infórmese sobre el Mercado de seguros y sepa cómo estar preparado.

¿Cómo puedo prepararme para inscribirme en el Mercado de seguros?

Para prepararse, vaya averiguando sobre los tipos de cobertura, obtenga respuesta a sus preguntas y piense en sus necesidades médicas antes de que empiece la inscripción.

OBTENGA SUS OPCIONES E INFORMACION HACIENDO CLICK AQUI.

SEE WHY OBAMACARE HEALTH INSURANCE IS WORTH TO BUY.

27 Sep

SEE WHY “OBAMACARE HEALTH INSURANCE” IS WORTH TO BUY.

OBAMA CARE COST LESS THAN CELL PHONE

State-by-State Monthly Marketplace Premiums

A new report shows that the Affordable Care Act will deliver on its promise to make health insurance more affordable and accessible for Americans who need it. Download the full report

The report, released by the Department of Health and Human Services (HHS) finds that in state after state, affordable options will be available through the Health Insurance Marketplace in 2014. Nearly all eligible uninsured Americans (about 95%) live in states with average premiums below earlier projections. And nearly all consumers (about 95%) will have a choice of health insurance companies, each of which offers a number of different plans.

The Marketplace will be run in partnership with States or fully by the HHS in 36 states. In these states, on average, consumers will have a choice of 53 health plans (bronze, silver, gold, and platinum plans), and young adults will have the additional option of low-cost catastrophic or youth plans.

Use the map below to explore a summary of the choices and premiums expected in those 36 states. Final, complete information about all the plans in each state Marketplace will be available via HealthCare.gov on October 1.

CLICK ON USA MAP PICTURE DWOWN BELOW…

OBAMACARE-GOV

FOR THE VERSION IN SPANISH –

PARA VER LA VERSION EN ESPAÑOL CLICK HERE.

FROM THE PRESIDENT – REALTORS® at the White House

20 Sep
FROM THE PRESIDENT REALTORS® at the White House

NAR’s 2013 Leadership Team attended President Obama’s briefing on the current state of the economic recovery. REALTORS® were invited because of the critical role we played to stabilize and revitalize the real estate market. President Gary Thomas provides a recap of the visit in his latest video.

Watch the video.

 

 HASA - MIAMI BEACHES.jpg -16HASA REO U-TUBE LOGO 2013

AAA PROFESSIONAL REALTY, LLC.

  •  Group:        Overseas Property Investment
  • Subject:       Announcement from AAA Professional Realty, LLC.

 We will be cooperating in the only way we know how to do it to our clientele, supplying them, at a fastest, and highly efficient time with all that information they need for they to find what they are looking for to make assertive decisions. To have a quick peep follow the links…

New Deals in South Florida, USA provided by our banking system.
Various Bank Owned Properties – REO’s – can EASILY bought by cash at relatively low prices

We are a full service company; as Realtors and as Title  services.   Some are all CASH, Others FINANCED, Foreigners 35%-40% LTV

Why in South Florida, USA
You can buy with a 60% to 40% discounted from Original Sale price. Prices are fairly equated in relation to capability to RENT. RENTS may render between 5%-10% rate of return on the investment, depending on the location of the property.

Better Market offering investor security   Market has reached the bottom – Prices are on the rise   We are one tourist Leading holiday destinations   60%+ Rental Ownership/Occupancy

Rental in the UP SPIN – great Rental Yields &  Values   Millions generated in tourism   Security for Million visitors a year   South American’s first landing Destination

Overview

HASA - IN THE GOLDEN AGE  I WILL TAKE CARE OF YOU - 2013HASA - DORAL FOTOS 2012 - 17


Property Types: 1,2,3 Bedrooms Apartments NEW & USED   Price from $100,000   Deposit – 5.0%   Maintenance Fees as low as $145.00 a MTH.   Fenced and NON-Fenced Complexes; With & With Out Security. Many Club House Amenities: Pool – Gym – Tennis – Billiard tables – and many Others.  Taxes and Monthly  Maintenance Fees and nothing else to pay.

TAKE ALOOK AT OUR EEUU-SOUTH FLORIDA WEEKLY REAL ESTATE REPORT OF SINGLE HOMES THWS & CONDOS IN FORECLOSURE AND IN PUBLIC AUCTION, FOR SALE, OR FOR RENT.CLICK THIS LINK:  http://t.co/dFj3pYCM

For more MULTI LANGUAGE information

AND TO SEE SOME  OF THE PROPERTIES OFFERED

go to :  http://www.hectorsaenz/id270.html

E-Mail me at: hasaenz777@yahoo.com for further information
Regards   hasaenz777@yahoo.com

 THUMS UP

OBAMACARE IS GREAT FOR THE GRASS ROOTS AMERICANS

19 Sep

Will I qualify for lower costs on monthly premiums?

HASA - OBAMACARE INSURANCE 2014

When you get health insurance coverage in the Marketplace, you may be able to get lower costs on monthly premiums. This depends on your income and family size.

Pay lower costs for premiums each month

In the Health Insurance Marketplace you may be able to lower the costs of your health insurance coverage by paying lower monthly premiums. You’ll see the amount of savings you’re eligible for when you fill out your Marketplace application after October 1, 2013. Prices shown for insurance plans will reflect the lower costs.

These lower costs are handled with a tax credit called the Advance Premium Tax Credit. But these tax credits can be applied directly to your monthly premiums, so you get the lower costs immediately.

Get an estimate of your costs and savings before October 1

Until October 1, you can get a rough estimate of costs and savings by using the Kaiser Family Foundation calculator.

Savings depends on income and family size

The amount you save depends on your family size and how much money your family earns. In general, if your income falls within the following ranges you’ll qualify to save money on your premiums in 2014. The lower your income within these ranges, the more you’ll save. (The amounts below are based on 2013 numbers and are likely to be slightly higher in 2014.)

  • $11,490 to $45,960 for individuals
  • $15,510 to $62,040 for a family of 2
  • $19,530 to $78,120 for a family of 3
  • $23,550 to $94,200 for a family of 4
  • $27,570 to $110,280 for a family of 5
  • $31,590 to $126,360 for a family of 6
  • $35,610 to $142,440 for a family of 7
  • $39,630 to $158,520 for a family of 8

If your income falls below the amounts shown, you may qualify for coverage under your state’s Medicaid program. But if your state is not expanding Medicaid in 2014–and you don’t qualify for Medicaid under your state’s rules–you can’t get lower costs on Marketplace coverage based on your income. You’d have to pay the entire cost of a Marketplace insurance plan.

How to estimate your income

When you apply for lower costs in the Marketplace, you’ll need to estimate your household income for 2014.

For most people, you can use your household’s adjusted gross income for this estimate. If you know your 2013 adjusted gross income, use that and take into account any changes you expect in 2014.

Another way to estimate your income is to add up the following items for all the people in your household, based on what you think they’ll receive in 2014:

  • Wages
  • Salaries
  • Tips
  • Net income from any self-employment or business
  • Unemployment compensation
  • Social Security payments

Other kinds of income to include when estimating your 2014 income are: rental income, interest, dividends, capital gains, annuities, alimony, and some retirement and pensions.

Modified adjusted gross income

When you fill out the Marketplace application, a number called “modified adjusted gross income” (MAGI) will be used.

Modified adjusted gross income is generally your household’s adjusted gross income plus any tax-exempt Social Security, interest, and foreign income you have. It’s used to determine your eligibility for lower costs on Marketplace coverage, and for Medicaid and the Children’s Health Insurance Program (CHIP).

You don’t have to figure out this income yourself. The math will be done for you when you apply through the Marketplace or your state agency.

For Medicaid, it also matters if you’ve had a change in household income since your last tax return. When you apply you’ll need to tell us your household income now and also estimate the amount for 2014, taking into account changes that you know about.

%d bloggers like this: