Why is it considered illegal to not have health insurance?
How do I avoid paying for Health insurance in America and still be legal?In the U.S. it is NOT “illegal” to opt out of obtaining Health Insurance.Your choices as an alternative of securing “essential health benefits” are:Pay the Tax PenaltySeek an ExemptionThe Tax Penalty for 2016 is 2.5% of your total household Adjusted Gross Income, or $695 per adult and $347.50 per child to a maximum of $2,085.The tax/penalty can be considered an opportunity cost of purchasing your health insurance. In other words, you are foregoing the $2,085 (savings) off the cost of health insurance if you chose to secure coverage.Though not a huge incentive, in your example, $1,500/month or $18,000 per year would actually be net cost to you of $15,915.No doubt, that is a lot of money. Yet your exposure to a catastrophic loss because of unforeseen medical expenses to you or one of your family members is exponentially higher.
How much does car insurance vary in price by state? Which states have the cheapest insurance?
According to data collected by the Insurance Information Institute, the cost for auto insurance (2014 last numbers posted) varies significantly by US States.The map below shows average cost of insurance by state, compared to the average cost of insurance in the United States ($866).The states in pink have average auto insurance rates that are 1% to 19% greater and red states have rates 20% or greater than the U.S. average. Light Green states have rates 1% to 19% lower and dark green states have rates more than 20% less than average.Top and Bottom 10 states by average Premium:For a complete list see: Insurance Information Institute - Facts + Statistics: Auto insurance.Why such differences? Reasons vary:Loss ExperienceCoverage Parts RequiredLimits of Coverage RequiredThe Insurance Information Institute also reports that rates WITHIN a state can vary to an even greater extent. For example:Michigan Average Cost for Auto Insurance - $1,227.36Detroit Average Cost for Auto Insurance - $10,723 (yes the comma is in the right place)The state in which one lives, down to the actual zip-code will influence the cost for auto insurance.
How do you find your health insurance policy number?
How do you find your health insurance policy number?Your Health Insurance Policy Number can be found on the Insurance Card and you check from the online tool Policy number finder, that should have been provided at the time your policy was issued. You can also call the company for the number and to request your number and replacement cards.Below are some sample ID Cards and Customer Service Phone Numbers for the Top 10 Health Insurance Companies in the USA:Unitedhealth GroupContact Page: UnitedHealth Group - Contact UsPhone Number: 800-328-5979ID Card:2. Wellpoint Inc. GroupContact Page: Anthem, Inc. - Contact UsPhone Number: 317-488-6000ID Card:3. Kaiser Foundation GroupContact Page: Kaiser Permanente Insurance CompanyPhone Number: 800-464-4000ID Card:4. Humana GroupContact Page: Health Insurance Advisors Can Help You with Your Insurance NeedsPhone Number: 800-833-6917ID Card:5. Aetna GroupContact Page: Contact Aetna - About UsPhone Number: 800-872-3862ID Card:6. HCSC GroupContact Page: Health Care Service Corporation (HCSC)Phone Number: 312-653-6000ID Card:7. Cigna Health GroupContact Page: CONTACT CIGNAPhone Number: 800-244-6224 (groups)ID Card:8. Highmark GroupContact Page: Contact Us | Group HealthPhone Number: 206-901-4600ID Card:9. Coventry Corp. GroupContact Page: Coventry Health CarePhone Number: 301-581-0600ID Card:10. HIP Insurance GroupContact Page: HIP ContactsPhone Number: 800-447-8255ID Card:That should give you an idea of what you are looking for. If you do not know the insurance company that you are insured with, contact your employer's HR department and inquire directly with them.Best of luck!Find Your Health Insurance Number Online By Clicking Here
What's a reasonable hourly labor rate for an auto mechanic, and what factors contribute to that rate?
I’ve paid various pricesm guessing from $50 to $85.example 0: City of San Francisco - 2003 replace doo-dad in transmission, they looked up the “hours to replace doo-dad” in a reate-book or sort, the book said 12 so they charged me 12 hours. It could have taken em 5h or 15h, but they charged me 12 hours. Labor rate was $85/hour.example 1: San Jose 2014, 30k miles ago - Replace head gasket on an inline-6 engine. The shop is certainly all about car repair - the office is a small room filled with parts and whatnot. Headgasket + head rebuild (machined and cleaned) + new oil + new coolant + parts + labor was $1500 total before tax. Dealer would be $3–$4k (I did not even check, quoting those numbers from an online forum). So for the work, guessing even $500 for parts, then $1000 labor for machining, head rebuild, and replacement, I am certain it was more than 10 hours, so less than $100/hour in labor. Guessing 15 hours, thats around $70/hour.As others have said, it really depends. KEy is find a shop that values you, and they’ll take care of you as a customer.
How much would a 2004 Mazda Rx8 Liability insurance cost?
I'm a 16 year old male. Turning 17 in two months. Clean driving record. I was wondering how much it would be to insure just liability on a 2004 mazda rx8 or a 2005 Mazda rx8 Shinka? I live in Star, Idaho which is a small town on the outskirts of boise. Would it be better to insure primarily under parents and put me as a secondary driver? I know it's going to be expensive. And i'm prepared for that, but approximately how much per month or per 6 months? I have the money, and a job, and everything. I've researched this vehicle so much you couldn't believe it and its' the car I want. I learned on a ford escape and am comfortable enough to upgrade to this. I just would like to know how much insurance would be? Thanks!