Tag Archives: option

Health Insurance Exchanges Vs SHOP Exchanges – a view

Anyone who has been following the U.S. healthcare landscape closely is well aware that President Obama’s Affordable Care Act of 2010, mandates U.S. states to set up online insurance marketplaces. The marketplaces or ‘exchanges’ for both individuals and small businesses are to be addressed as – Health Insurance Exchange (HIX) and Small Business Health Option Program (SHOP) Exchange, respectively.

The fundamental principle behind setting such exchanges is to make the U.S. consumers well-informed about the health insurance choices available to them, so that they can take an educated decision while purchasing a plan for themselves, their families or employees. Both HIX and SHOP will serve the basic purpose of providing affordable insurance options to individuals, groups and small businesses. The exchanges will allow consumers to avail of high-quality health plan choices from various insurers and carriers, albeit at standardized rates.

Although the basic premise on which both health insurance exchanges and SHOP exchanges have been proposed remains the same, both the individual exchanges and SHOP exchanges have a few key administrative differences between them.

In health insurance exchanges, individuals can apply for federal subsidies and tax credits if they are eligible, so individual exchanges need to verify applicants’ income data and also need to offer an online functionality where consumers can calculate their net costs after subsidy deductions etc.

SHOP exchanges have been proposed to primarily cater to the small business community. Small businesses offering employer coverage through the SHOP exchanges will not be eligible for premium tax credits except in certain cases where the premiums from SHOP-coverage exceed 9.5% of employees’ income.

Secondly, Individual exchanges are not required to act as health premium collection centers or transfer these collected premiums to health plans. Also, to reduce the administrative burdens for small employers, the SHOP exchange may need to collect premiums from employees and transmit the appropriate amount to the respective health plans.

Health insurance exchanges and SHOP exchanges also differ with respect to the time period for which the premium rates of health plans remain fixed. In Individual exchanges, every new health plan applicant receives the assurance that his/her premium rates will not increase for a defined period of time, which is usually set for 6 or 12 months.

On the other hand, employers usually prefer having a precise idea about their yearly contributions in employees’ plans, before they even decide to offer health insurance coverage. So, SHOP exchanges may also need to devise a clearly defined strategy that addresses the premium rate escalation concerns of small businesses participating in SHOP exchanges.

Health Insurance Exchanges and SHOP exchanges were proposed to service different insurance markets – individual and small business, respectively. While there are talks about the efficacy of merging both SHOP exchanges and Individual health insurance exchanges together, it may not be a viable option as in spite of functional similarities, both the exchanges differ on several key administrative aspects. Nevertheless, it would be too early to surmise which insurance exchange model will be a better option vis`-a-vis´ other models.

How to Resolve a Corrupt File?

Have you ever went to open a file on your computer only to receive an error message instead of the folder and its contents? Corrupted files can happen to anyone, but that sure does not make them any less annoying. A lot of times, when an individual receives an error message regarding a corrupt file they give it up for lint. Instead of trying to solve the problem with the file, they just chalk it up as a lost cause. However, you no longer have to do that. It is possible to get passed the annoying error message regarding the file.

Fixing a corrupt file can be done by just about anyone thanks to registry clean up scans. A registry clean up scan is a scanning procedure of your computer’s entire registry.

– The scan will go through the entire registry until it locates the file that is corrupted.

– When the file is located, the registry clean up scan will prompt the computer user of the find.

– The prompt provided by the computer will provide crucial details regarding the file and the problem with the file.

– You can choose to resolve the problem with the corrupt file through various different ways. How you choose to fix the problem is entirely up to you.

– Most registry clean up programs will provide you with a brief understanding of what each choice means and how it will effect the computer. This will allow you to choose the choice that is best for you and your computer.

You do not need to worry about manually going through the registry since the scan of the registry is an automated scan. There is an option to manually scan the computer’s registry but that option is reserved for individuals who have an extensive knowledge of computers.

There is no need to panic about knowing whether or not you are making the right choice since the vast majority of registry clean up scanning programs will provide you with a brief bit of information regarding your solution options. You can read over your options and determine what each option will mean for your computer and that particular file and base your decision off of that. There is no need to be a computer expert with this program. It is easy enough that a person with a limited knowledge of computers can operate the program. All you have to do is take some action !

How to Resolve a Corrupt File?

Have you ever went to open a file on your computer only to receive an error message instead of the folder and its contents? Corrupted files can happen to anyone, but that sure does not make them any less annoying. A lot of times, when an individual receives an error message regarding a corrupt file they give it up for lint. Instead of trying to solve the problem with the file, they just chalk it up as a lost cause. However, you no longer have to do that. It is possible to get passed the annoying error message regarding the file.

Fixing a corrupt file can be done by just about anyone thanks to registry clean up scans. A registry clean up scan is a scanning procedure of your computer’s entire registry.

– The scan will go through the entire registry until it locates the file that is corrupted.

– When the file is located, the registry clean up scan will prompt the computer user of the find.

– The prompt provided by the computer will provide crucial details regarding the file and the problem with the file.

– You can choose to resolve the problem with the corrupt file through various different ways. How you choose to fix the problem is entirely up to you.

– Most registry clean up programs will provide you with a brief understanding of what each choice means and how it will effect the computer. This will allow you to choose the choice that is best for you and your computer.

You do not need to worry about manually going through the registry since the scan of the registry is an automated scan. There is an option to manually scan the computer’s registry but that option is reserved for individuals who have an extensive knowledge of computers.

There is no need to panic about knowing whether or not you are making the right choice since the vast majority of registry clean up scanning programs will provide you with a brief bit of information regarding your solution options. You can read over your options and determine what each option will mean for your computer and that particular file and base your decision off of that. There is no need to be a computer expert with this program. It is easy enough that a person with a limited knowledge of computers can operate the program. All you have to do is take some action !