WASHINGTON — Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.
As a result, some families that can't afford the employer coverage that they are offered on the job will not be able to get financial assistance from the government to buy private health insurance on their own. How many people will be affected is unclear.
The Obama administration says its hands were tied by the way Congress wrote the law. Officials said the administration tried to mitigate the impact. Families that can't get coverage because of the glitch will not face a tax penalty for remaining uninsured, the IRS rules said.
"This is a very significant problem, and we have urged that it be fixed," said Ron Pollack, executive director of Families USA, an advocacy group that supported the overhaul from its early days. "It is clear that the only way this can be fixed is through legislation and not the regulatory process."
But there's not much hope for an immediate fix from Congress, since the House is controlled by Republicans who would still like to see the whole law repealed.
The affordability glitch is one of a series of problems coming into sharper focus as the law moves to full implementation.
Starting Oct. 1, many middle-class uninsured will be able to sign up for government-subsidized private coverage through new health care marketplaces known as exchanges. Coverage will be effective Jan. 1. Low-income people will be steered to expanded safety-net programs. At the same time, virtually all Americans will be required to carry health insurance, either through an employer, a government program, or by buying their own plan.
Bruce Lesley, president of First Focus, an advocacy group for children, cited estimates that close to 500,000 children could remain uninsured because of the glitch. "The children's community is disappointed by the administration's decision to deny access to coverage for children based on a bogus definition of affordability," Lesley said in a statement.
The problem seems to be the way the law defined affordable. Congress said affordable coverage can't cost more than 9.5 percent of family income. People with coverage the law considers affordable cannot get subsidies to go into the new insurance markets. The purpose of that restriction was to prevent a stampede away from employer coverage.
Congress went on to say that what counts as affordable is keyed to the cost of self-only coverage offered to an individual worker, not his or her family. A typical workplace plan costs about $5,600 for an individual worker. But the cost of family coverage is nearly three times higher, about $15,700, according to the Kaiser Family Foundation.
So if the employer isn't willing to chip in for family premiums – as most big companies already do – some families will be out of luck. They may not be able to afford the full premium on their own, and they'd be locked out of the subsidies in the health care overhaul law.
Employers are relieved that the Obama administration didn't try to put the cost of providing family coverage on them.
"They are bound by the law and cannot extend further than what the law provides," said Neil Trautwein, a vice president of the National Retail Federation.
The term "Ph" refers to the balalnce between acid and alkaline, which must be measured with the presence of water, because adry substances do not have a ph. ph ranges from 0 to 14 with 7.0 being neutral, like water anything under 7.0 is acid anything above is alkaline. human hair seems to like a mildly acid ph level. Although hair has no ph, the scalp and the natural oils which coat the cuticle of the hair do a have a ph between 4.5 and 5.5 . shampoos that claim to be ph balanced usually range from 4.5 to 6.5. Basically , ph balanced means that the shampoo is gentle , not harsh
what are the benefits of natural sources, such as botanicals, eggs, honey, aloe vera, etc., in shampoo?
Natural source botanicals add protein and conditioning agents to shampoo. They may be derived from plant and vegetable extracts or other sources. The benefit to hair is that they contain proteins and moisture in a natural state, and could be an alternative for those with a sensitive scalp. Biotera, Mixx Essential Sudz, Jheri Redding proffessional prescription Transpose and Aura shampoos contain natural extracts
Tip of the day!!
To stimulate circulation in the scalp to promote healthy hair growth, use a rubber scalp massager while shampooing.
A Boar Bristle brush is one in which the filament or bristle comes from the wild boar. Usually the bristle comes from india or china where the animals are raised for their hair. Often , manufacturers reinforce the boar bristle with heat resistant nylon to help the bristles penetrate the hair. Professional quality brushes to try include Lookin Good 7-Row 100% Boar Bristle wave Brush and Phillips Super Round 100% Boar Bristle Brush. Reinforced boar brushes include Spornette RPB Round Brushes, Round Spornette RP10 Club and continental's Reinforced Boat Brush.
Frizziness, hair that does not lay flat on the scalp when wet, or uneven curl remaining in sections of the hair all indicate that hair has been relaxed unevenly
There are facial scrub products formulated for every skin type, from oil-free products designed to remove excess oil, to oil based scrubs intended to remove dead skin cells while replacing lost oil. Some scrub products to consider are beauty secrets Beauty Buff in regular or gentle, Gigi Loofah Complexion Disk, Purist Apricot and Kelp Facial Scrub, and Arom-esentials Cherry Blossom and Almond Facial/Body Scrub. Remember :avoid abrasive products if you have acne. Scrubs are not effective on pimples and can irritate acne-prone skin, aggravating the condition.
Hair should be towel-dried before blow drying. Use high heat and speed to remove excess moisture from hair. Select lower temperatures and speeds should be used for drying and styling permed, color treated or fragile hair. Whenever you brush hair and partly blow dry it against its natural growth pattern, you will add bulk and body to the style. After partially drying hair in this manner, then brush hair and blow dry it in the direction you want your finished style.
Color Glossing is a shimmer of color achieved by using permanent hair color mixed with a developer (peroxide) and conditioner . it is left on the hair a short time usually 15 minutes . The result is a hint of color and gray masking. It usually last for 10 to 15 shampoos. Again this should be used by a salon professional as the proper shade selection is critical.
Is henna the only natural plant dye??
Henna is a vegetable-based dye which is made into a paste with water and then applied to the hair to create a strong, red-orange shade that lasts as long as semi-permanent color. Henna coats the hair so thoroughly that it builds up over time, and it can interfere with perming or relaxing , as well as other types of color. Synthetic henna products include Ardell Hennalucent which is compatible with all chemical salon services because it does not coat the hair.
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