How climate change will affect your health

A new report from the UN Intergovernmental Panel on Climate Change warns of dire consequences if governments don’t make “rapid, far-reaching, and unprecedented changes in all aspects of society” to stem global warming. But the planet isn’t the only thing at risk as temperatures rise; your health might be in danger, too.


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Viewpoints: Trump Says ‘Medicare For All’ Plan Would Eventually Lead To Massive Rationing Of Health Care

President Donald Trump writes about his views on the Democrats’ “Medicare For All” plan, which has become a litmus test among progressive candidates. Editorial pages look at other health issues, as well.
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As global temperatures rise, so will mental health issues, study says

No matter where we live, weather touches each of us daily and the warming effects of climate change go beyond the physical environment.


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Sage’s Baby Steps Toward Health

Progress is measured in baby steps in the neonatal intensive care unit at Kaiser Permanente’s Downey Medical Center, where babies who need specialized support receive care.

That’s where Sage Lee Carlisle spent the first 7 months of his life, when he was born nearly 4 months early. Sage weighed just 1 pound and 11 ounces, and as his health improved, his parents and care team celebrated each milestone.

“Just the other day, we were able to walk away from the bed without any ports and hold him like a normal baby. That was awesome,” said his mom, Crystal.

A team of experts

Sage’s care team included neonatologists, respiratory therapists, NICU nurses, neonatal nurse practitioners and other specialists. They worked together to care for the tiny infant around the clock.

“When we couldn’t be here, (we knew) he was in good hands,” said Sage’s dad, Scottie. “I feel blessed.”

Learn more about our expert care for the tiniest newborns.

The post Sage’s Baby Steps Toward Health appeared first on Kaiser Permanente.

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New Study Finds Health Care Costs Are Rising Almost Twice as Fast as Wages

If you’ve noticed an increasingly bigger chunk is coming out of your paycheck for medical premiums and deductibles, you’re not alone, according to a newly released survey.

In 2018, the cost of premiums has outpaced raises and inflation, the Kaiser Family Foundation’s Employer Health Benefits Survey found.

The 20th annual survey looked at cost trends for the 152 million Americans who are covered by health insurance — almost half of the population.

Together, employers and employees now spend $ 19,616 annually on coverage per family, while single coverage costs $ 6,896, according to the foundation.

From 2006 to 2012, premiums rose 37%, while salaries increased only 18%.

Who’s Affected Most by Rising Health Care Costs?

“Rising health care costs absolutely remain a burden for employers, but they’re a bigger problem for workers as their cost sharing has been rising really much faster than their wages have been rising in recent years,” said Drew Altman, president and CEO of the Kaiser Family Foundation.

Average family premiums increased 5% in the past year, while singles paid 3% more. Meanwhile, wages outpaced inflation by just 0.1%, according to the report.

In general, employees at smaller companies shoulder a larger percentage of premiums and deductibles than their counterparts at bigger firms, Altman said. Average deductibles were $ 2,132 at small firms versus $ 1,355 at large employers (200 employees or more).

The cost paid for deductibles rose 212% over the past decade — eight times the growth of wages, he said.

On the upside for smaller firms, 27% of employees’ entire premium costs are employer-paid, versus 6% of employees at large companies, according to the report.

How Much Are We Paying for Health Care Each Year?

The average premium amount contributed by all workers is $ 1,186 for a single person and $ 5,547 for a family. Although that’s about the same as last year, the average amount for family coverage has increased 21% since 2013 and 65% since 2008, Kaiser found.

Most workers also are responsible for copayments when they go to a doctor’s appointment. The average is $ 25 for primary care and $ 40 for specialists, Kaiser calculated. Many workers also pay coinsurance of 18% of the covered amount of each visit, whether to a primary-care doctor or a specialist. (That was about the same as in 2017.)

Kaiser officials said employees should read their companies’ websites carefully to determine the most cost-effective option, although they acknowledge that the choices may not be plentiful.

“When you can, you should shop around,” Altman said.

Susan Jacobson is an editor for The Penny Hoarder. She also writes about health and wellness.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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Pregnant women recognize baby expressions differently depending on mental health history

A pilot study has found that pregnant women who have suffered from depression or bipolar disorder (i.e. both mania and depression) recognize babies’ faces and how babies laugh or cry, differently to healthy controls. This happens even if they are not currently experiencing depressive or manic symptoms and may represent an early risk-factor for children of these women, although the authors stress that research would be needed to confirm any long-term effects.
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Celebrity Hairstylist Kim Kimble On How Spirituality And Health Enhances Your Beauty

Kim Kimble has been a celebrity hairstylist for years. She’s worked with celebrities such as Halle Berry, Mary Mary, Beyoncè and more. Kim joined Get Up! Mornings with Erica Campbell, to speak about the MERGE conference she and Erica Campbell are speaking at as well as what she’s learned over the year in her career.

Erica called Kim the “hair genius.” Kim spoke about working on A Wrinkle In Time and doing all the different hairstyles to enhance their looks. They both are looking forward to speaking at the MERGE conference, which will help connect spirituality, health and beauty. Kim mentioned that over the years she’s realized that although you might be beautiful, it’s more important  to prioritize your health.

Kim wants to encourage people to be mindful of their beauty while still maintaining  a healthy lifestyle.


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Kaiser Permanente and the Alliance of Health Care Unions Reach Tentative Labor Agreement

LOS ANGELES — Kaiser Permanente and the Alliance of Health Care Unions have reached a Tentative Agreement on a national, 3-year collective bargaining agreement that covers nearly 48,000 unionized Kaiser Permanente health care workers in 22 union locals.

The negotiations, which began in May, were among the largest private-sector contract talks in the United States this year. The deputy director and commissioners of the Federal Mediation and Conciliation Service attended the sessions. The tentative agreement was reached on September 23.

Read the Federal Mediation and Conciliation Service’s statement acknowledging Kaiser Permanente and the Alliance of Health Care Unions for their “exceptional achievement” in reaching a tentative agreement.

The Tentative Agreement goes far beyond the traditional contract issues of wages and benefits. It includes provisions to strengthen the groundbreaking labor-management partnership between Kaiser Permanente and the Alliance, at the senior leadership level as well as the front-line level. This includes 3,600 unit-based teams — jointly led by pairs of managers and union-represented employees — that are delivering significant improvements in the areas of quality, affordability, service and work environment on behalf of Kaiser Permanente members and patients.

The Tentative Agreement also offers enhanced career development programs to enable Kaiser Permanente’s workforce to continue meeting member needs in an evolving health care environment.

“This agreement advances our ability to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve,” said Chuck Columbus, Kaiser Permanente senior vice president and chief Human Resources officer. “We’re proud of the skilled, dedicated and compassionate people of Kaiser Permanente who are devoted to our mission, our members and patients, communities and each other.”

“Our unions are committed to raising the standards of health care delivery, and the living standards of workers everywhere,” said Alliance Executive Board Chair Kathleen Theobald, executive director of the Kaiser Permanente Nurse Anesthetists Association. “We have shown that we can deliver top quality care hand in hand with industry-leading wages and benefits. This Tentative Agreement strengthens our partnership and our ability to keep delivering improvement for patients and workers.”

The agreement also reaffirms both parties’ commitment to working together under a new Labor Management Partnership agreement. The original agreement, reached in 1997, provided a joint strategy for organizational innovation and change, created an environment of continuous learning and improvement, and actively involved the workforce in decision-making. The new agreement builds on that, strengthening the commitment that Kaiser Permanente and the partner unions will promote each other’s mutual success.

The new Tentative Agreement includes:

  • Across-the-board wage increases, which vary by region and by year.
  • Enhanced processes to re-energize the Labor Management Partnership and ensure the engagement of senior leaders.
  • A new labor-management trust to fund the partnership with the Alliance.
  • A new educational trust to fund job training, pursuit of academic degrees, professional certification and career counseling services for employees represented by an Alliance union.
  • Continued support for 3,600 front-line teams. Worker engagement and participation in these teams have helped Kaiser Permanente garner recognition for clinical quality, patient safety and member satisfaction from organizations such as the Centers for Medicare and Medicaid Services and the National Committee for Quality Assurance.

The Tentative Agreement was unanimously approved by an Alliance bargaining delegate conference September 29 and will now go to union members for ratification. The voting is expected to be complete by the end of October. A senior Kaiser Permanente leadership group must also give its formal approval. If ratified, the agreement will have a retroactive effective date of October 1, 2018.

The contract will cover nearly 48,000 health care workers: 32,100 workers in California; 6,300 in Oregon and Washington; 2,100 in Colorado; 2,200 in Maryland, Washington, D.C. and northern Virginia; 2,800 in Georgia; and 1,900 in Hawaii. The workers span job classifications from registered nurses and pharmacists to maintenance and service workers.


About Kaiser Permanente

Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 12.2 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

The post Kaiser Permanente and the Alliance of Health Care Unions Reach Tentative Labor Agreement appeared first on Kaiser Permanente.

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Kaiser Permanente Hawaii Awards $119,000 in Grants to Support Health Care Workforce and Economic Development

HONOLULU — Kaiser Permanente Hawaii has awarded $ 119,000 in community benefit grant funding to three nonprofits seeking to promote economic opportunity and support workforce development throughout the state.

“Kaiser Permanente is committed to addressing the shortage of health care workers and promoting economic opportunities in Hawaii,” said Dave Underriner, president of Kaiser Foundation Health Plan and Hospitals, Hawaii Region. “Supporting Hawaii’s health care sector, and helping small businesses grow and create jobs are among many ways we are committed to a thriving Hawaii.”

Hawaii Community College (via UH Foundation) was awarded $ 69,333 for the school’s nursing program to help address health care labor shortages on Hawaii Island. Ninety percent of the school’s nursing graduates — approximately 40 students per year — go on to work in health care positions on Hawaii Island, addressing a critical need for care providers in rural areas. The grant will be used to purchase a simulation mannequin that provides essential clinical education and hands-on skills learning to maintain accreditation for the nursing program.

Patsy T. Mink Center for Business and Leadership, in partnership with Mana Up (via YWCA Oahu), received $ 35,000 to promote economic opportunity, counseling and training for locally owned small businesses, with a specific focus on women’s leadership development. The nonprofits will offer a 10-month professional development course for 11 emerging women leaders, as well as a 12-week accelerator program for 20 local small businesses.

Hawaii Hospital Education and Research Foundation received $ 15,000 to expand scholarships for health care students in Hawaii. A shortage of providers in primary care, specialty care, mental health and oral health care, especially on neighbor islands, affects the health of the entire state. HHERF plans to offer scholarships ranging from $ 500 to $ 2,000 to 15 or more Hawaii health care students pursuing degrees in nursing, medicine, physical and occupational therapy, certified nursing assistant, medical assistant, pharmacy and health care IT.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 12.2 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

The post Kaiser Permanente Hawaii Awards $ 119,000 in Grants to Support Health Care Workforce and Economic Development appeared first on Kaiser Permanente.

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Employers back away from high-deductible health plans

Deductibles are what consumers pay for health care before insurance kicks in.
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‘My Hero Academia’ Voice Actor on Deku as a “Portrait of Mental Health”

When Justin Briner was a kid, he never would’ve imagined he’d become the voice of one of anime’s most iconic characters, Izuku Midoriya (affectionately known as “Deku”). Like Deku, Briner came from humble beginnings. “Before I could really even remember, my parents were doing local dinner theater and community theater,” says Briner. “So I was always sort of keyed into that, that world, that community.”

Now, Briner is one of the most recognized voice actors in the West, and it’s all thanks to the phenomenon known as My Hero Academia. FANDOM got a chance to sit down with Briner at Crunchyroll Expo to discuss why he thinks the show resonates with so many people, how he prepped for some of its big moments, and why fans should check out the movie, My Hero Academia: Two Heroes, and the game, My Hero’s One Justice.

Deku’s Struggles Make Him Relatable


Deku during his fight with rival Bakugo
Deku’s struggle to achieve his dream is one we can all relate to.

Briner’s decision to pursue voice acting was driven by his love of anime and games. “It sort of clicked that all the cartoons and video games I loved so much growing up really influenced me, and my love for the narrative and storytelling, so I tried to dive into that,” says Briner. So, it’s no surprise that the young voice actor was drawn to a character as complex and emotionally raw as Deku.

“What always struck me as riveting about Deku is that he sort of portrays this portrait of mental health growing up,” explains Briner. “He’s struggling with his self-worth. He’s struggling with feelings of inadequacy. People are telling him he’s less than what he dreams he can be.

“And I think, you know, one way or another, we all struggle with those feelings growing up and trying to find our own identity and where we fit into society. And it’s even a little harder for him because everyone around him is what he wants to be. So, I just think that’s a very real sensation, and I try to play that as honestly as I can.”


Bakugo pouncing on Deku
Bakugo's always willing to cut Deku back down to size.

My Hero Academia’s realistic portrayal of student life and issues might be the reason why the anime has become such a huge hit with fans. Even those who aren’t fans of Deku are sure to find a character with beliefs or struggles similar to their own, such as Todoroki‘s need to break free of his father’s influence or Uraraka‘s desire to help her family. “I do believe [that’s why it resonates with people],” says Briner. “It makes the whole cast very easy to root for, and you can sort of tap into whoever you relate to the most and it’s still going to feel very rewarding.”

Navigating the Show’s Difficult Moments


Deku taking notes on heroes
Briner just can't help himself. He has to read ahead.

My Hero Academia has some pretty big moments — and we’re not just talking about epic battles. So, when it comes time to portray these iconic moments, Briner makes sure he’s prepared for these pivotal “stressful” scenes.

“I read ahead,” says Briner. “I read the manga, so I keep up to date. Actors say they don’t like to keep up with the source material sometimes to be surprised, but I don’t have the willpower. So, I keep up with it.

“And pretty consistently, every time there’s been a scene that I’ve read, and I’m like, ‘Oh my gosh, that’s amazing,’ once it becomes animated, it’s just above and beyond. So, when we reach those moments in the show, I get a little nervous.

“But I have a lot of trust and faith in my director Colleen [Clinkenbeard], who is really great at building up the fight scenes, making them go from point A to point B, and feeling like you have overcome something at the end. So, to just make that feel as real as possible is definitely a challenge.”


All Might pointing out Deku as his successor
When All Might lost his powers, he made sure Deku knew it was his turn to step up to the plate.

Speaking of challenges, Season 3 gave us one of the anime’s most shocking moments: All Might losing his powers after defeating All for One. The emotional scene which saw the world’s number one hero and Symbol of Peace enter retirement marked the end of an era, and Briner did his best tap into the emotion behind that scene.

“There’s a lot of difficult emotions that go into that,” says Briner. “When I saw that scene… you know, I get the luxury of recording to the animation and getting to hear the sound effects and the music swell as I say the line. So that definitely helps a lot with getting into the scene.

“But you know, it’s thoughts of having to step up in that moment and realizing that [the one] you once could depend on so readily, now you have to probably help him and shoulder the burden more on your own, which I think is really touching. So, when that moment happened, I just tried to portray it as honestly as I could. It wasn’t much, not a lot of dialogue. It was more just a couple lines and then crying really. And I really felt that.”

Let’s See More of That Female Cast


Momo Yaoyoruzu
Momo’s low confidence led to one of the most satisfying arcs on the show.

Of course, My Hero Academia isn’t the first shōnen anime to give us the feels, big moments, and an ensemble cast with varying personalities and abilities. Shows like Naruto also gave us multiple characters to root for, identify with, mourn, and ship. However, as Naruto continued, the development of its intriguing side characters suffered.

My Hero Academia has, so far, managed to avoid this pitfall, which has led to memorable interactions and battles and unsinkable ships — like KiriBaku (Kirishima and Bakugo), the bromance we all can’t help but love, Briner included. “Yeah, I love their relationship. I think they have such a cool buddy dynamic. I love that they have found each other so instantly — even though Bakugo is sort of begrudging about it. He’s like, ‘Alright, well, he’s fine.’ Yeah, I really love how they interact.”


Kiribaku My hero academia
Shipping Kirishima and Bakugo is a no-brainer.

“I like seeing Todoroki’s growth and how he’s opening up more to the people around him,” Briner continues. “I love seeing Momo Yaoyorozu sort of find her confidence over the last couple of arcs. Oh gosh, I feel like it’s a cop-out. I want to see everyone. I find everyone very compelling.”

However, even with such great character development, there are still characters that Briner feels deserve more screen time. “I think, just as a baseline, there are several people in Deku’s class that I would like to see more of,” explains Briner. “Sort of the folks you see less of, like Mina, the pink girl, and, honestly, let’s say the female cast of the class. I really want to see them get to do a little more.

“I’d like to see more of the other classes. I really like that the author takes the time to explore how the school works and the society works because that makes me more curious about what they get to do every day. So yeah, I just want to see more of everyone interacting really.”

Why Fans Should See My Hero Academia: Two Heroes


My Hero Academia- Two Heroes cast
You've gotta love it when all your faves show up on the big screen.

The need to see these characters interact is a testament to My Hero Academia author Kohei Horikoshi’s storytelling ability, where even the minor characters, like Neito Monoma, leave a lasting impression. So, it came as no surprise when a movie starring all of our favorite rookie heroes was announced.

My Hero Academia: Two Heroes released in theaters on September 25 and will run through October 2, and Briner insists that fans of the show will enjoy the film. “I think it’s just got something for any sort of fan of the show. If you like the show, what you like about it is represented in the movie in some capacity.

“There’s team-ups. All your favorite characters are there. There’s new adventures, new explorations, in this new area. There’s fights, big crazy fights. So, I just think it’s cool to see the world expanded in this way in this movie, and it’s just a lot of fun to watch.”

Serving Up Wins in My Hero One’s Justice

The movie isn’t the only adaptation the popular anime will receive. There’s also a game, My Hero One’s Justice, set to release in North America and Europe on October 26. The fighting game will include our favorite characters and give players the power to create their own.

Briner, a fighting game fan himself, can’t wait to get his hands on the game to play with his friends. “I’ve been seeing screenshots pop up out of Japan now that the game’s released there, and it looks like it’s just going to be a lot of fun,” says Briner. “Like, it doesn’t take itself seriously enough that, you know, it’s completely serious, and I think that fits the tone of the show.

“You should be able to suit up your hero with ridiculous outfits and everything because that’s sort of the fun and charm of them being rookie heroes.” But Briner makes it clear that, when it comes to fighting games — especially My Hero One’s Justice, he’s no rookie. “I got to play a little of it at San Diego Comic-Con, and I played a round as Deku, and I won. So, I’m 1-0, 100% win rate. I’m trying to keep that streak going.”

Bakugo vs. Deku IRL


Deku vs Bakugo
Even though they're friends in real life, Deku and Bakugo's voice actors love playing up their fictional rivalry at cons.

Unfortunately, Briner and the rest of the cast didn’t get a chance to do an English track for the game. So, fans won’t get to hear any heated dialogue between Briner and Clifford Chapin (the English voice actor behind Bakugo). However, if you happen to be at a con where the two voice actors appear together, you might catch them acting out their rivalry in real life.

“I think we like to play up our rivalry when we do events like these, which is a lot of fun,” says Briner, “especially if we’re sitting next to each other doing autographs or something. He like vandalizes prints of Deku and stuff like that.”

In true Deku fashion, Briner maintains that he and Chapin are actually friends. “But I don’t think that we’re ever butting heads about anything,” Briner explains. “If anything, I’m just a very big supporter of his work.” Perhaps Deku and Bakugo can become real-life friends after all.

My Hero Academia just wrapped up its third season and was officially renewed for a fourth. It’s currently streaming on Crunchyroll and Hulu. 

The 5 Best Team-Ups From ‘My Hero Academia: Two Heroes’

5 ‘My Hero Academia’ Characters Who Deserve a Spinoff

The post ‘My Hero Academia’ Voice Actor on Deku as a “Portrait of Mental Health” appeared first on FANDOM.

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Should You Buy a Low-Cost Health Insurance Policy? Here’s What to Consider

Starting today, Americans can buy lower-cost health insurance policies that can stay in effect for as long as three years — up from the previous three-month limit.

But while the savings in premiums will be attractive to some, critics warn the old adage applies: “You get what you pay for.”

“As the bills from hospitals and other providers start to pile up, many of these folks… would come to realize they’re not really insured at all,” the Georgetown University’s Center for Children and Families says. “For the individuals enrolled in these plans, the devastating financial consequences could be real and long term.”

Limitations of Short-Term Health Insurance Policies

The plans are cheaper — as much as one-third cheaper in some cases, according to the Department of Health and Human Services — than those that comply with the Affordable Care Act, which has required coverages. The average monthly premium for one person in late 2016 was about $ 124 compared with $ 393 for an unsubsidized plan that complied with the Affordable Care Act, according to the department.

But many lower-cost plans don’t cover services such as mental-health or substance-abuse treatment or prescription drug coverage, according to a Kaiser Family Foundation analysis.

And none covers maternity care, the same study found. A regular birth costs about $ 32,000 and a cesarean section about $ 51,000, according to a 2013 Truven Health Analytics study of women with health insurance.

Also generally excluded are people with pre-existing medical conditions, who are required to be covered under policies that comply with the Affordable Care Act. An estimated 133 million Americans have a pre-existing condition, according to the Department of Health and Human Services.

Why Are Short-Term Health Insurance Policies Being Expanded?

Premiums for Affordable Care Act coverage went up about 21% in 2017, putting them out of financial reach for some people — especially those whose earnings are not low enough to qualify for a subsidy under the act, according to the Centers for Medicare & Medicaid Services.

The Department of Health and Human Services this summer announced that it would allow the lower-cost plans to be purchased for up to a year of coverage and renewed for two years.

The policies originally were limited to less than three months and intended as a stopgap for people who didn’t have health insurance through their employers.

Which Consumers Might Benefit From Short-Term Policies?

They work best for those who are generally healthy, because insurers can drop anyone who becomes sick, according to the Georgetown University Center on Health Insurance Reforms.

The reason the short-term policies are less expensive — the cost varies from state to state — is that they don’t have to meet the requirements of the Affordable Care Act, also known as Obamacare.

That means they can exclude benefits such as emergency services, hospitalization, rehabilitative services and devices, laboratory services, preventive care, chronic disease management, contraceptives, breastfeeding supplies, counseling and pediatric services.

There’s no easy way to determine what services are covered because plans vary widely, as do deductibles, copayments, and caps.

Other possible pitfalls:

  • The Department of Health and Human Services warns consumers that they won’t automatically be eligible to buy insurance through the Affordable Care Act if their short-term policy ends before the open enrollment period begins and they decide not to renew or are dropped by their insurer.
  • Short-term policies don’t meet the requirements to maintain health insurance under the Affordable Care Act, making consumers who buy them potentially liable in 2018 for a penalty of $ 695 per adult and $ 347.50 per child — or 2.5% of household income, whichever is greater. The penalty goes away starting in 2019.
  • Short-term policies generally have limits on the amount paid for services and caps on lifetime payouts. Patients may have to pick up the sometimes-substantial difference between what the insurer pays and what the provider charges.
  • Policyholders can be charged more based on age, sex and health.

The bottom line: These policies may be beneficial to some. But it’s critical to read all disclosures before signing up to avoid finding out later that you don’t have coverage for something you need. What’s cheap up front could end up costing you dearly later.

In short: caveat emptor.

Susan Jacobson is an editor at The Penny Hoarder.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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