September 12, 2022 - Kivo Daily

Byron Johnson’s Beginners Guide to Affordable Health Insurance

Kivo Daily Staff on September 12, 2022

Byron Johnson, commercial real estate investor, entrepreneur, and CEO of an insurance agency, ObamacareEnrollment.org, is an expert on health insurance. He believes that with the complexities of the US healthcare system, most American citizens don’t have explicit knowledge of health insurance. So, how can they choose the right health insurance plan?

Healthcare in the United States is the most expensive in the world. With the COVID pandemic, the hospitalization cost increases day by day, making it vital to get healthcare insurance for yourself and your loved ones. Having health insurance in place will offer financial security and help you tackle uncertain health risks with the help of quality healthcare services.

Undoubtedly, the United States has the most complex healthcare system in the world. Unlike its neighboring countries, the cost of healthcare services in the US is your and your family’s responsibility. In many countries, essential healthcare is provided for free or at a reasonable cost. But, in the US, one appointment with a doctor can cost you a few hundred. If you had to be hospitalized due to disease and required regular healthcare, your bill will cross $10,000. The Affordable Care Act or Obamacare was introduced to help American citizens get relief from the high insurance bills, but it’s still not the final answer.

Buying healthcare insurance will help you cover the medical expenses, given that you have chosen the right health insurance plan that fits your needs without breaking your wallets.

Byron Johnson understands that it’s easier to find the optimal health insurance plan, but it can be overwhelming to choose among different options offered by different insurance companies. Byron Johnson has made it easier for us as in today’s article; we will be learning about different types of insurance plans, which plan would work the best for your needs, and what is covered under each insurance plan. Here’s a complete guide for you to choose the right health insurance plan for you and your family.

What is covered by healthcare insurance?

Typically, your health insurance policy covers the medical expenses incurred due to the diagnosis of a disease. Generally, the surgeries are covered under your health insurance policy, but you need to purchase separate plans for dental and vision insurance. Up until 2019, it was mandatory to purchase health insurance, and if you didn’t have one, you would be charged with a tax penalty. But, in 2019, this mandate was removed by the federal government.

What are the different types of health insurance?

According to Byron Johnson, here are several different types of insurance plans that you can buy:

Employer-sponsored: You can get health insurance through your employer. If a company has over 50 full-time employees, it is required to provide healthcare coverage. It allows you to split your monthly insurance premium with your employer.
Individual and family plans: This healthcare insurance coverage is available to everyone and can be bought through state or federal marketplace and health insurance companies.
Medicare: Medicare allows you to buy healthcare insurance for senior citizens that require regular health care services. You can buy it through an insurance company or the government.
Medicaid: This insurance coverage is offered by the government for low-income people, pregnant females, older adults, and people with disabilities. Depending on the state, it is often low-cost or even free to enroll.
Short-term insurance: A short-term insurance plan offers temporary health insurance to cover the gap in your coverage.
Dental and Vision: Byron Johnsons suggests that the beneficiary should buy separate insurance plans for dental and vision care as most medical insurances do not cover these.

How much does health insurance cost?

The cost for health insurance plans varies depending on the type of insurance plan and the coverage offered. As a result, your insurance rate will fluctuate annually despite sticking with the same insurance provider.

Byron Johnson notes, the average healthcare insurance premium is $479 for individuals and $1,229 for families. The cost of your health insurance is calculated based on zip code, age, gender, and other factors.

When to buy health insurance?

You can buy a health insurance plan at any time, depending on your insurance coverage type. If you are unsure whether you need a healthcare insurance plan or not, you can reach out to Byron Johnson, as he can find the best healthcare insurance plan for your needs.

Where to buy health insurance?

You can contact health care insurance providers online and get a quote for your monthly or annual health care premium. You also have the option to go through your state or the federal marketplace.

How to find an affordable health insurance plan?

If you want to find a healthcare insurance plan that matches your needs and fits in your budget, you need to know how to make your healthcare insurance affordable, explains Byron Johnson. The best way to reduce the cost of your healthcare insurance is by selecting a high deductible.

About Byron Johnson:

Byron Johnson is a founder, entrepreneur, and CEO known for founding several businesses, including an insurance agency, construction and remodeling company, and commercial real estate investment firm. Byron Johnson is an owner of 150+ units of commercial property located in the up-and-coming Seminole Heights area close to downtown Tampa. Additionally, Byron is a recgonzied WSOP Poker Player who won 1st place in the WSOP Poker series in Tampa, FL in 2020.

For more information on Byron Johnson, visit ByronJohnson.com or visit his Cheap Car Insurance Guru YouTube Channel where he gives back by sharing free car insurance tips and valuable insurance info daily.

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Byron Johnson on INC

Dubai Investment Fund is Expanding Its Operations in Cyprus, New Zealand and The Czech Republic

Kivo Daily Staff on September 12, 2022

We recently learned that the Dubai Investment Fund (DIF) is expanding its operations in New Zealand, the Czech Republic and Cyprus. The company will develop its presence in these countries by opening offices to reach more businesses and gain broader market access.

The first of these offices opened in Prague, Czech Republic, in August, to be followed by offices in Wellington, New Zealand, and Nicosia, Cyprus, by mid-September. Employees can choose to work from home, in the office, or in a hybrid mode that combines remote work and travel to the office.

According to our observations of DIF’s development in the recent years, and as has happened repeatedly in some regions, operations in the Czech Republic and Cyprus will focus primarily on real estate, tourism, finance and artificial intelligence. The New Zealand office will focus on new projects in environmental, social and governance issues, as well as green energy and healthcare.

In addition to traditional operations, the company also plans to invest in solar energy projects and pioneering biomedical ventures in New Zealand. These pioneering biomedical projects will explore different methods of combining artificial intelligence with modern medical advances. This endeavor is the result of years of interdisciplinary research in collaboration with leaders in the field of artificial intelligence. The company also has offices in Dubai, London, Sydney, Mumbai, Tokyo, New York, Frankfurt, Zurich, Quebec, Hong Kong, Jakarta, Seoul, Milan, Singapore, Luxembourg, Shanghai and Barcelona. With three new offices, the total number of countries served by the company has grown to twenty.

The company’s headquarters are invariably located in Dubai, and has a staff of 2,600 people. As of this writing in September 2022, in addition to Dubai, DIF’s most strategic offices are in New York, London, Tokyo, Frankfurt, Hong Kong and Shanghai.

The Dubai Investment Fund manages about $320 billion in assets on behalf of its 7,300 clients in 61 countries. Since its founding in 2001, DIF has employed 920 people in financial positions. A full account of the investment fund’s history is available in English on its Web site.

Last year, its operating income grew by AED 14.3 billion ($3.8 billion) in 2021, an increase of 27 percent over the previous year. The corporation’s total revenue was 180.7 billion dirhams ($49.2 billion), an increase of 4.25 percent over the previous year. The company’s year-end total assets were AED 1,184.6 billion ($322.2 billion) and total equity was AED 878.1 billion ($231.1 billion).

The rapid expansion of the Dubai Investment Fund is a strong indication that the fund is constantly seeking new investment opportunities to diversify the risks of its portfolio. Given this expansion, as well as the creation of multiple departments dedicated to innovation and ESG investment, it is safe to assume that the Dubai Investment Fund (DIF) is also targeting its assets to capitalize on the potential of future technologies.

Why Colleges are Merging More Than Ever

Kivo Daily Staff on September 12, 2022

Since before the United States declared independence, colleges and universities have been an important part of the nation’s history. As the country’s population, geographic area, and access to education expanded, so too did its number of colleges. Now in the 21st century, the US has thousands of degree-granting institutions that serve students after high school. Now the trend that has led the country to this moment has reversed; in 2022, 1.4 million fewer students are attending college than there were in 2020. In the past 4 years, 95 college mergers have taken place. Many merged to avoid going out of business, a threat looming over hundreds of institutions.

Why has enrollment fallen so dramatically? The pandemic tells part of the story. In 2020, lockdowns forced universities to provide online learning for students. This transition was sudden and led to losses in both life experience and learning outcomes for students. At the same time, the recession caused by the pandemic made college unaffordable for even more Americans. Up to 40% of prospective students have delayed their college plans due to either financial strain or a desire for in-person education.

Yet the pandemic doesn’t tell the whole story. The truth is that attitudes towards higher education have been shifting for years. The rampant debt and unaffordability of college combined with the vast number of college graduates in the workplace has led many to reevaluate the value of a bachelor’s degree. In 2013, 70% of US adults said a college degree was “very important” to success. By 2019, that number had fallen to 51%. While it’s still generally true that those with college degrees make more than high school graduates, exceptions are becoming more common. In the new decade, 10% of Americans with low wage positions shifted to high-skill jobs, and many did so without a college degree. Instead, they got certified in specific skills online. Such certifications were cheaper and faster to get than a degree, and they offered workers the same result.

For colleges to serve a smaller pool of students, they need to change their ways. Those unable to adapt to the times will shut down permanently. Mergers are one way to streamline operations and reduce competition for students. Proposed mergers typically have to be approved by each institution’s board of trustees as well as the college’s accrediting bodies. Outside the formal approval process, business partnerships, faculty support, and alumni/foundation networks have a strong influence on the outcome of a potential merger. Without the support of all these groups, mergers aren’t likely to succeed in their goal of keeping both campuses running.

Not all colleges are equally likely to seek mergers. The most common mergers happen between schools who each have less than 5,000 students. Private, non-profit schools are the most likely to merge, usually with a school of the same type in the same state. This is because smaller, less prestigious private schools have tight margins and are seeing higher than average declines in student enrollment.

Day: September 12, 2022

Byron Johnson’s Beginners Guide to Affordable Health Insurance

What is covered by healthcare insurance?

What are the different types of health insurance?

How much does health insurance cost?

When to buy health insurance?

Where to buy health insurance?

How to find an affordable health insurance plan?

About Byron Johnson:

Dubai Investment Fund is Expanding Its Operations in Cyprus, New Zealand and The Czech Republic

Why Colleges are Merging More Than Ever

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© 2024 Kivo Daily. All Rights Reserved