Fines and Types of Modern Health Insurance - Meru Indonesia

Fines and Types of Modern Health Insurance

In the United Staes of America, health insurance is a confusing matter. Above all else, health insurance is an important issue for one to an idea. The Affordable Care Act of 2010 made it mandatory for everyone to have health insurance.

Modern Health Insurance

For someone who doesn’t have insurance cover, it is better to have a knowledge of the insurance options. Knowledge of the fines you might incur if you are not insured should be a starting point. Furthermore, someone needs knowledge of the types of insurance plans.


There are consequences for anyone who fails to have an insurance cover. Fine is the primary penalty although it varies from one individual to the next. There are some criteria that need to be examined then based on the two, you are forced to pay either of two but the higher one applies.
  • Fine can be 2.5% of the entire household income. This type of fine has a cap meaning it won't rise up forever. The average price of the Bronze plan is the cap. This means $2500 per individual or $12,000 for the entire household that has more than five individuals.
  • Fine of $695 for every adult and $347.50 per child but the maximum cap is $2085.
Not having a health cover means you will pay a fine with the minimum being $695. This means that the rise of the fine will rise significantly if an individual makes over $27800 per year. Considering the risks you might undergo if you happen to visit a doctor without an insurance cover, then this price is low for one not to get one.


There are different types of insurance types that are available today.
  • HMO: Health Maintenace Organizations. This type gives the leeway to choose a single doctor for all your primary health care. This type gives the least maneuverability. However, if you happen to get a provider that is trustworthy, then this cover is the best since it is cheaper compared to the rest.
  • PPO: Preferred Provider Organization. It gives more freedom. It allows you the freedom to visit any health provider of your liking. The downside of this type is that you will cough up extra if you happen to seek services from a health provider who is not in the network.
  • EPO: Exclusive Provider Organization. With this type, you only get to medical attention only within your network. This means you will get health services from anyone within the network but not outside. This type is a middle ground between the above two.
  • POS: Point of Service. This type is almost like the PPOs, but they introduce a gatekeeper/Primary Care Physician (PCP). This means that you get to choose your PCP within your network. However, with this type, you have the advantage of going outside your network. Your PCP will be the one giving you a referral. When you chose to go on your own, more money will come out of your pocket. 
There is no better plan in relation to another. It all boils down to an individual preference and most importantly family needs. You may choose to be autonomous while others may choose the low-cost plan. Since health providers are more than not competing for business, the various types in terms of services offered may blur

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