New Health Exchanges Unlikely to End Insurance Monopolies in Some States
In part, Blue Cross and Blue Shield is dominant in Alabama simply because it has been there for so long -- it sold its first policy in 1936 -- and potential newcomers have found it difficult to convince hospitals and doctors to give them favorable prices so they can compete with the entrenched carrier. But it also has to do with Alabamians themselves: On average, residents of the state are poorer and less healthy than other Americans, making them more expensive to cover and thus less attractive customers.
The lack of competition in nearly a dozen states could present problems when the insurance exchanges that are part of the Affordable Care Act launch in October. The exchanges are supposed to give Americans who do not get health insurance from their employers the opportunity to choose from an array of private insurance plans. The idea is to generate competition between insurers that will lead to lower premiums.
Individuals and businesses with up to 100 employees will be able to shop on the exchanges, and people who can’t afford coverage on their own will get government subsidies to help them pay their premiums. About 26 million low-income Americans are expected to receive subsidies to purchase health insurance through the exchanges.
I for one, am one of those people that just loves to travel. If I could, I would be gone constantly and stop home in Las Vegas occasionally to swap out clothes and remember where I live.
As much as I love to travel, I have had the pleasure of owning a timeshare and also being a member of several Vacation Travel Clubs. Unfortunately, life circumstances changed for me, my elderly mother got sick, and I had to tame my wander lust and find other ways to enjoy travel with short weekend trips, etc.
In this article I am going to share with you just a few of the many benefits and ways you can enjoy, and benefit from, vacation club membership. When you know how to vacation and do it with the right company, you won't believe the amazing travel discounts you can enjoy. You may even make some money while you enjoy your travel if you so choose.
Travel Discounts One of the greatest benefits to having a vacation/travel club membership is the huge discounts you can get on Hotel, Airfare, Cruises, etc. With more and more people holding their precious dollars a little bit tighter these days, how can you possibly convince them to let go of some of it, and buy your product or service, hence, keeping you in business? Vacation incentives are one of the most enticing attraction methods. They can help struggling companies maintain their client base, plus get new ones! Imagine being able to travel with your entire family a couple times of year all for the price of what one regular vacation would cost you. If you could take a week long cruise for $49 per person, would you be interested? What about a getaway to Disneyland for the whole family and you do not have to stay at Motel 6 to afford it?
Luxury Vacations and Luxury Resorts When most people think vacation club, they think empty rooms at budget hotels and motels that no one else wanted to book. This is probably the best kept secret about Vacation Club Membership, Luxury Vacations at Luxury Resorts in beautiful places all over the world that are actually affordable to the average, hardworking family. When most people hear, see or read the words "luxury vacation", they think way too expensive for the family. Right? You might think the "luxury vacation" is for the honeymooner, or retired person. I am here to tell you, that is so far from the truth - you won't believe it! When you finally join a vacation travel club that offers incredible luxury vacations that do not not cost you an arm or a leg, you are going to kick yourself and wonder what took you so long. Stop putting off the family vacation because you think you can't afford it. You don't have to wait until the kids are grown. You really can afford it and I'll show you how.