Word: premiums
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...perhaps - could not only put the unemployed back to work in the middle of a harsh recession, but also lay the building blocks for a new, more sustainable American economy, one prepared to compete in a future where energy, natural resources and maybe carbon will all come at a premium. The old system failed, and we're picking up the pieces. "We can create an economy that's about production, not just consumption," says Jones. "That's the way forward." It may be hard to believe, but a recession could be the first step to a truly green economy...
...owners must hire full-time staff to tend to their paying guests, who fork out an average of $200 a night for a two-bedroom villa. In Phuket, however, the vacation market is dominated by condominiums or villa complexes managed by luxury hoteliers. Such management services come at a premium - these properties cost about 30% more than similar nonbranded villas - but you don't have to worry about whether the gardener is feuding with the cook...
...starters, your health history could ratchet up your monthly premium--or keep you from getting covered in the first place. And a lower monthly premium tends to come with a higher annual deductible. Humana's Monogram plan, for instance, pairs its $30 premium with a staggering $7,500 deductible. And the preventive-care coverage in these plans may not extend much beyond an annual physical. So consumers who don't look past price per month--a more traditional individual plan might charge a $400 premium and a deductible closer to $500--may find themselves shelling out thousands more dollars down...
Whether these bare-bones policies are a good deal depends on who's buying them. Paying $20 for generic drugs, plus the $40 premium on Aetna's cheapest option, makes sense if your biggest monthly expense is $75 for the Pill. But maternity care is rarely covered by these plans. So if you're already a member and find yourself pregnant, some insurers may let you upgrade. If not, good luck switching carriers with a pre-existing condition--which, in the case of a normal pregnancy and delivery, can cost $8,000 to $12,000. If instead you simply break...
...deal, in an embarrassing turn, break down when Wells Fargo snatched up Wachovia instead). She got Congress to boost the ceiling on deposit insurance temporarily from $100,000 to $250,000. And in a move to bolster the FDIC's finances, she wants to double the average premium that banks pay to have FDIC insurance...