Sentences with phrase «on lowering the cost of your premiums»

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The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

MONTREAL — Air Canada says it is on the runway to achieving sustained profitability after ending the year in the black as it prepares to introduce premium economy seating on select international routes and ramp up the size of its low - cost carrier.

In the case of an oil spill cleanup, the costs are likely to be directly incurred by an insurance company, but the premiums paid for that insurance come at the expense of the value of the oil transportation service — the higher the expected clean - up costs from oil spills, the higher insurance premiums will be, and this will mean higher pipeline tolls, which in turn implies lower profits, taxes, and royalties on the products shipped.

An insurance dividend is the amount of your premium that is paid back to you if your insurance company achieves a lower mortality cost on policyholders than it expected.

Global Capitalism is trapped in its own Prisoner's Dilemma; forty four years after the end of the Bretton Woods System global central banks have manipulated the cost of risk in a competition of devaluation leading to a dangerous build up in debt and leverage, lower risk premiums, income disparity, and greater probability of tail events on both sides of the return distribution.

The insurer is not being told to lower its premiums because of the cost - savings on procedures and ailments already covered; it is being told that it can put the cost - savings toward the expense of providing contraception.

FOR IMMEDIATE RELEASE PR Contact: Julia Smith [email protected] MORAKI LOWERS PRICES AND RELEASES NEW RETAIL PACKAGING San Diego, CA (October 14, 2013) Moraki, Inc. (http://www.morakicloth.com), a small manufacturer of premium cloth diapers, has found a way to reduce production costs and pass the savings on to their customers.

The analyses found that the policy change would help support immigrant families by expanding job opportunities, while modestly lowering insurance premiums for all state drivers and improving public safety on roadways, with the fiscal costs of implementing the proposal more than offset by added revenues.

Eliminating this financial risk premium makes nuclear power levelized electricity cost competitive with that of coal, and it becomes lower than that of coal when a modest price on carbon dioxide emissions is imposed,» the report says.

The pupil premium research carried out by the Education Endowment Foundation (EEF) has shown how, as part of a whole ‑ school approach, low - cost, high - impact strategies can impacting positively on outcomes for children and young people with SEN and help in narrowing the gap in attainment for our most vulnerable students (http://educationendowmentfoundation.org.uk).

The break - even point for the Equinox diesel, where diesel's lower per - mile driving costs outweigh the price premium, would be on the high - side of 100,000.

Available options on the 2017 Chevrolet Colorado ZR2 will include: Class - exclusive 2.8 L Duramax Turbo - Diesel engine, paired with a six - speed automatic transmission, capable of 186 horsepower and 369 lb - ft of torque Choice of crew - or extended cab configurations (including short and long beds, respectively) 7 - speaker Bose premium audio system Dealer - installed, bed - mounted spare tire carrier Full - length black vinyl floor (no additional cost — standard interior features leather seats and carpet) The ZR2's starting MSRP includes a number of key standard features unique to the trim level, such as: Class - exclusive front and rear locking electronic differentials Revolutionary, segment - exclusive Multimatic Dynamic Suspensions Spool Valve (DSSVTM) dampers Off - road rocker protection Modified front and rear bumpers for better off - road obstacle clearance Exclusive ZR2 17 x 8 - inch aluminum alloy wheels 31 - inch Goodyear Wrangler Duratrac off - road tires New cast - iron control arms An aluminum skidplate that protects the radiator and engine oil pan Autotrac transfer case Transfer case shield Aggressive grille and hood combo unique to ZR2 Modified rear axle with a 3.42 ratio Front and rear tracks widened 3.5 inches over a standard Colorado Suspension lifted 2 inches over a standard Colorado Off - Road Mode Technology 4 - wheel disc brakes Other standard features include: Tow / haul mode Trailering Package, including trailer hitch and 7 - pin connector Integrated trailer brake controller Spray - on bedliner Heated driver and passenger front seats Wireless phone charging Rear sliding window EZ Lift and Lower tailgate Locking tailgate Recovery hooks A six - speaker audio system with Chevrolet MyLink Radio with Navigation and an 8 - inch diagonal color touchscreen, AM / FM stereo with seek - and - scan and a digital clock, Bluetooth streaming audio for music and select phones, voice - activated technology for radio and phone featuring Apple CarPlay and Android Auto capability as well as an auxiliary jack All - terrain spare tire with unique ZR2 wheel Four USB ports: one on the instrument panel, one in the center console and two in the rear of the center console Electronic automatic cruise control Rear window electric defogger OnStar 4G LTE with built - in Wi - Fi Rear Vision Camera Remote keyless entry Remote vehicle starter system 4 - way power front driver and passenger seat adjuster with power driver lumbar control Rear seats with underseat storage Standard powertrain is the 3.6 L DI DOHC V6 with a class - leading 308 horsepower and 275 lb - ft of torque that is shared with other Colorado models.

A higher deductible will mean you're on the hook for more of the initial cost when damage does occur, but it should lower your monthly premiums.

FHA mortgage insurance costs can be lower than for MI premiums charged by private mortgage insurance companies, depending on your loan amount and the size of your down payment.

For example, Kirchen generally recommends carrying a lower deductible on comprehensive insurance because it represents a smaller part of the total cost of the premium, so raising that deductible won't save you much.

This option not only allows two individuals to be insured on the same whole life insurance policy, but it also typically has a lower amount of overall premium cost than will purchasing two separate life insurance policies of corresponding value.

In addition, the lower monthly premium allows people living on a fixed income to still have some kind of life insurance in place to cover the costs of funeral arrangements.

AVERAGE COST: The premium on the total loan varies from 0.60 % to 3.15 %, depending on your percentage of loan - to - value and other features of your mortgage (the greater your downpayment in relation to your home's cost, the lower the mortgage loan insurance premiCOST: The premium on the total loan varies from 0.60 % to 3.15 %, depending on your percentage of loan - to - value and other features of your mortgage (the greater your downpayment in relation to your home's cost, the lower the mortgage loan insurance premicost, the lower the mortgage loan insurance premium).

The rapid increase in FHA insured mortgage loans is evidently perceived as a threat to MGIC, the nation; s largest insurer of conventional mortgage loans; the company has unveiled a plan for charging lower premium costs based on borrower credit scores.

When looking for the lowest cost policy or ensuring you have the best value on the policy you already hold, it's a good idea to understand the factors that go into the cost of your umbrella insurance premium.

The premium on your total loan varies from approximately 0.60 per cent to 3.35 per cent depending on the percentage of loan - to - value (generally the greater your downpayment in relation to home's cost, the lower the mortgage loan insurance premium).

Later in life whole life premiums, because they typically remain level, will actually be lower than the insurance costs of the company on an annual basis.

On the other hand, because not all states are adopting the new 133 % - of - FPL Medicaid thresholds, some lower income individuals below this threshold but above 100 % of FPL will still be expected to purchase insurance through an exchange (albeit subject to the 2 % - of - income maximum limit on the cost of coverage), and those below 100 % of FPL may be ineligible for the premium assistance tax credit and ineligible for MedicaiOn the other hand, because not all states are adopting the new 133 % - of - FPL Medicaid thresholds, some lower income individuals below this threshold but above 100 % of FPL will still be expected to purchase insurance through an exchange (albeit subject to the 2 % - of - income maximum limit on the cost of coverage), and those below 100 % of FPL may be ineligible for the premium assistance tax credit and ineligible for Medicaion the cost of coverage), and those below 100 % of FPL may be ineligible for the premium assistance tax credit and ineligible for Medicaid!

Your insurance premiums may cost you as low as $ 22 to $ 41 per month, depending on your age, coverage amount, and term length, so you'll have plenty of cash left over after paying the premium to invest.

You may be able to buy insurance in the Marketplace and get lower costs on monthly premiums and out - of - pocket costs based in your household size and income.

Finally, when comparing legacy U.S. carriers, an important means of comparison for many travelers as the networks of these carriers are far more extensive than low - cost carriers and they also offer a premium product on virtually every flight, American took first place with 79 % of program members giving it a rating of satisfied or higher, followed by United with a 76 % satisfaction rating.

While the number of miles needed for a Business Class redemption isn't exactly low (you're better off trying to get to / from Europe on United's own aircraft which will only cost 115,000 for roundtrip Business Class), the taxes for a premium cabin award are low for a European route.

If American doesn't alter the cost of Economy or Business Class awards then, depending on how Premium Economy is squeezed in, there could be some very good value redemptions to be had (Premium Economy if the premium over Economy Class is low or Business Class if the premium over PE is low... it will be one or the other).

In effect, insurers agreed to lower automobile insurance premiums via regulation in exchange for certain cost - saving measures: a cap on general damages respecting «minor» injuries, gross - to - net income tax deductions, and deductions for collateral benefits (including wage replacement) «paid or payable» from a variety of loosely - defined sources.

The underlying policy is that not having to defend against frivolous lawsuits will translate into suppressing the cost of medical malpractice litigation, which would in turn lower the cost of the medical malpractice insurance premiums charged to healthcare providers and so on up the chain.

The CAHC report on the Impact of Stabilization Funding on ACA Premiums and Subsidies outlines how added funding could eliminate or greatly reduce the cost of health insurance, bringing the price of premiums back to 2016 levels oPremiums and Subsidies outlines how added funding could eliminate or greatly reduce the cost of health insurance, bringing the price of premiums back to 2016 levels opremiums back to 2016 levels or lower.

Furthermore, the empirical research concludes that even when tort reform saves the insurance companies money, those savings are not being passed on to the doctors and hospitals in the form of lower physician premiums or healthcare costs.

Also, choosing high deductibles on your auto insurance policy in order to get lower premiums will often leave you with higher out - of - pocket costs at the time of an accident.

This typically makes premiums you see on term insurance quotes lower than other forms of life insurance, but at a cost.

You might qualify for certain protections under Medicaid or CHIP, or for lower costs on monthly premiums and no out - of - pocket costs on private insurance through the Marketplace.

After driving a car for many years, it may be more cost effective to lower the comprehensive and collision amounts on the vehicle if the payout in case of an accident will be less than the total amount you pay in premiums over the course of a policy year.

Depending on your needs, it may make sense to balance a long term with a lower death benefit or a higher benefit with a shorter term; either would reduce the cost of your premiums.

Automotive.com offers a large collection of informative articles to get you up to speed including information on what affects car insurance premiums, how to lower your auto insurance costs, what discounts may be offered, what different types of insurance are available and more.

Insurance plans with a low out - of - pocket limit will cost more in monthly premiums, but can also have a substantial impact on medical bills.

Silver plans offer a low copay on doctor visits and brand name prescription drugs, and save employees more on their out of pocket medical bills than the higher premium cost of the silver plans.

The tax credit available to you, based on your expected annual income, which lowers the monthly cost of health insurance premiums.

Since some enrollees may not be eligible for specific term insurance plans depending on their health status, they do not have to cover the costs of enrollees in poor health, so they can offer lower premiums.

The reason is that online sales help insurers save on the distribution and administration costs and they eventually pass a fair percentage of these savings to the policyholders by the way of low premiums.

Speaking of taking on more risk, you'll pay a lower premium if you opt for actual cash value renters insurance in lieu of replacement cost renters insurance.

The ACA provides two types of assistance to low - income individuals and families who buy health plans on its exchange: a tax credit to help with premiums and cost - sharing reductions (CSRs) to help with copays and deductibles.

This is because online sales help insurance companies cut down distribution and administration costs and they pass on these benefits to policyholders in the form of low premiums.

These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy at first; the cost of insurance is always increasing as found on the cost index table (usually p. 3 of a contract).

Different Massachusetts insurance companies offer different types of deals on car insurance, and taking the time to explore your options can greatly help to lower the cost of your insurance premiums.

If regulations are finalized that allow self - employed people to purchase association health coverage instead of ACA - compliant major medical coverage, the healthiest self - employed people are likely to switch to the lower - cost association plans, leaving older, sicker people on the ACA - compliant plans, with correspondingly larger premiums.

This strategy protects most consumers from the impact of the federal government cutting off CSR funding, since it ultimately just results in larger premium subsidies (premium subsidies are based on the cost of the second - lowest - cost silver plan in each area, so as silver plan premiums rise, so do subsidies).