Recent Supreme Court Ruling and Florida Health Insurance

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Recent Supreme Court Ruling and Florida Health Insurance

On June 25, 2015 the U.S. Supreme Court, in a 6-3 decision, upheld the federal health insurance subsidies that have been offered under the Affordable Care Act. The case before the court centered around whether or not federal tax credits should be offered to residents who live in states that don’t offer their own health insurance marketplace, but instead solely rely on the federally provided marketplace, healthcare.gov.  Opponents of the subsidies claimed that the ACA makes reference to subsidies being only for states that provided their own healthcare market place. 33 states do not have a state-run marketplace and rely upon the federally provided market place.

What Does This Mean for Florida?

Florida is one of those states that uses healthcare.gov as the health insurance marketplace for individuals who don’t receive health insurance through their employers.  Because of the tax credits available to people who use healthcare.gov, over a million Floridians can get health insurance with a monthly premium as low as $88, instead of a monthly premium of $376. That’s a savings of $288 a month! Because of federal subsidies, Floridians using healthcare.gov can save over $3,000 per year. Without these subsidies, over a million people would not be able to afford health insurance in Florida.

Supreme Court Ruling Helps Floridians

The Supreme Court’s decision in favor of the government proves to be a huge help to Floridians. That decision saved Floridians over $3 billion in health insurance in one year alone. Speaking for the affirmative, Chief Justice John Roberts said, “Congress passed the Affordable Care act to improve health insurance markets, not destroy them”, and that’s exactly what the Supreme Court did with that decision: it saved Florida health insurance (saved as in saved money). Without these subsidies, over a million residents of Florida wouldn’t be able to afford health insurance.

Affordable Healthcare Shouldn’t be Based on Where You Live

The justices who supported the federal subsidies believe that affordable healthcare shouldn’t be based upon where a person lives. They upheld the view that the ACA is a federal law that applies to the entire nation. Affordable quotes can be found at https://floridainsurancequotes.net/health-insurance-quote/. Therefore, the subsidies that it provides should be extended to all states, whether or not they provide their own marketplace.

Residents Shouldn’t Be Faulted for State Decisions

The affirmative view goes even further to suggest that residents shouldn’t be faulted for state decisions. Opponents of the subsidies claim that the ACA states that the subsidies are only available to states that created their own marketplace. According to the opposition, if a state didn’t create its own marketplace, then the residents of that state shouldn’t receive the subsidies. The decision of the Supreme Court silences that notion by referring back to the Obama administration’s interpretation of the legislature that believes that the purpose of the ACA is to make healthcare affordable for the citizens of the United States, not just citizens of certain states.

The Ripple Effect Avoided

The Floridian users of healthcare.gov aren’t the only beneficiaries of the recent Supreme Court decision. If the decision would have went the other way and over a million people dropped their healthcare coverage in Florida, healthcare premiums in Florida would have skyrocketed. This would have a negative impact on Florida health insurance. In effect, the Supreme Court decision affects all of Florida.

What Happens in D.C. Affects Florida Health Insurance

An impending disaster was averted by the recent U.S. Supreme Court decision in favor of government subsidies for users of the federal healthcare market place. This decision not only saves money for those that use the marketplace, but it saves all of Florida money, as well.

 


Florida no fault insurance

How to protect your car with the right Florida car insurance

Car insurance is a product and service that almost everyone needs at some point in their lives, but is the kind of purchase that almost all of us would rather not have to make – at least not on our own, anyways.

This is because there are a lot of Florida car insurance companies out there that will do pretty much anything, say pretty much anything, and promise pretty much anything just to get us to sign on the dotted line and become a customer of theirs.

Well, a lot of people are fed up with that kind of modern-day snake oil operation, and are instead looking to secure the best car insurance for their needs without breaking the bank were working with a bunch of weasels.

Here’s how to protect your vehicle with the right car insurance, making sure that you take advantage of extra options like Florida no-fault insurance and other benefits to give you the complete and comprehensive package you’ve been searching for.

Different vehicles (and different driving habits) require different coverage

First of all, it’s important that you understand that different vehicles (and different driving habits, different driving records, and even your age) will come into play when it comes time to purchase car insurance and Florida no-fault insurance packages.

Though you might feel like you are a picture-perfect driver and someone that is pretty safe behind the wheel, your driving record may not be so squeaky clean – and that’s okay. You also might be purchasing a brand-new vehicle that falls under the “luxury car” designation, a designation that will require you to spend more money on your auto insurance and Florida no-fault insurance just because of the make and model.

Understanding this ahead of time puts you a step or two ahead of the game though. Once you know that this is coming, you’ll be able to better negotiate different deals and discounts then you would have been able to in the past.

Always opt for more coverage than you think you’ll need

Secondly (and paradoxically), you’re probably going to want to spend more money than you think you should on coverage that you may not really need – but it’s always better to have a bit more insurance than just a bit too little.

Having the right Florida no-fault insurance (and other insurance packages or “riders”) will protect you in just about any situation, even if your core Florida car insurance would not have. Just make sure that you aren’t blowing your budget, and that you’ll be able to meet your monthly payments and you won’t have any real issues at all.

Invest in your insurance, don’t just spend money on it

Lastly, begin to think of your Florida no-fault insurance from some website like this, as a very important investment in your future and your security.

You certainly don’t want to find yourself in an emergency situation with coverage that doesn’t “cut the mustard”.

 

https://floridainsurancequotes.net/auto-insurance/floridas-no-fault-insurance-law-on-the-chopping-block/


Texas Auto Insurance

Understanding the Importance of Having Good Texas Auto Insurance

 

When searching for the best Texas auto insurance there are few key points you need to consider first.  As a responsible driver it is important that you always operate your motor vehicle while having comprehensive coverage in case of an accident.  What’s more is that you protect yourself, your belongings, and the livelihood of fellow motorists when you carry the best auto insurance on the market.  Otherwise, you may find yourself disappointed with the outcome of an accidental event.

Not everybody on the road carries the proper amount of insurance while they are out driving.  However, you probably like to do things a bit differently, especially considering how much protection can come from a good Texas auto insurance policy.  Everything is bigger in Texas, and the same can safely be said about the scope of a good insurance plan.  Without the proper coverage you may end up on the other side of a horrendous occasion.  In order to prevent this, you need to understand the importance of being fully insured before you get a quote from http://texasinsurancequotes.us/texas-auto-insurance/.

The Three Ways Texas Auto Insurance makes Life Easier

There are a lot of good reasons for the average motorist to carry good Texas auto insurance.  Respecting the need for coverage is one of the things that spells the difference between a responsible driver and one who puts others’ lives in danger.  If that is not enough to convince you of the importance of having good insurance, think about this:

  1. 1.      Insurance Ensures that you Get Paid for Accidents in a Timely Manner

Nobody wants to get in an accident and then have to wait around for a long time to receive the compensation check.  Getting back on your feet and back on the road after an accident often requires supplemental funds, especially when you were not at fault as a driver.  The best Texas auto insurance will guarantee that you will have your money in time to make the necessary repairs to your property, pay for medical expenses, and/or make up for lost wages.  Without the services of the best insurance company Texas has to offer you may wind up on the losing end of an accident.

  1. 2.      Being Insured Means you have a Help when in Need

Besides getting a compensation check, there are quite a few other things that need to be taken into consideration after a claim has been made.  Paying for the best Texas auto insurance means having the most helpful services when you need them the most.  Things like gaining access to rental cars and having basic expenses covered can make a big difference in the life of someone who has just had their property destroyed.  When you are searching for auto insurance in Texas, be sure to ask about what all will be offered to you in the event of an accident, and make certain that you will have everything you need to continue on with your life as normally as possible.

  1. 3.      Insurance Protects you Against Human Error

Not all accidents you will be involved in will be the fault of someone else.  Indeed, there may come a time when you cause a fender bender or worse, and you will want to be connected with a good Texas auto insurance company when that happens.  Keep in mind that having insurance for uninsured drivers is a great addition to make to your existing policy if you haven’t already.  This is especially true if you live in an area that has you prone to being in wrecks.  The best insurance plan will offer policy holders the chance to protect themselves from not only other drivers but also from themselves.  As any responsible driver knows, this is an important factor to consider when properly operating a motor vehicle.

Knowing when to Purchase Texas Auto Insurance

You may end up getting lucky and never having to use the services of some Texas auto insurance broker.  However, always keeping your policy up-to-date is extremely important.  In some areas, your driver’s license may be revoked if it is discovered that you have no coverage.  As a general rule, you should purchase auto insurance prior to you deciding to drive your vehicle.

There is no good time or bad time to link up with a reputable Texas auto insurance company.  Being on the road is a huge responsibility – one that requires you to hope for the best while preparing for the worst.  Despite what your chosen policy may be costing you, it is essential that you maintain it for the life of your driving career.  Check to see which company offers the best deal with the most coverage, taking time to compare prices and policies.  At the end of the day, you will want to go with something that guarantees your convenience and comfort.