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California’s Health Insurance Penalty Undermines Medical Autonomy

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When the Obama Administration implemented the Affordable Care Act, taxpayers became legally mandated to have health insurance. Unless they qualified for a coverage exemption, the uninsured were subject to a tax penalty. This penalty was reduced to $0 in 2019, but some states took matters into their own hands. As of 2024, California is one of only four states in the nation that penalizes residents financially for not having medical insurance.

The California penalty is at least $900 per adult and $450 per dependent. An uninsured family of four would owe at least $2,700. The penalty does not apply to individuals whose income is below California’s minimum filing threshold of $22,273 in 2025. There is also a limited set of exemptions from the penalty, such as an exclusion for having certain religious beliefs. Residents can also have short coverage gaps of three consecutive months or fewer without being penalized.

California residents should not be coerced into buying health insurance. The state’s health insurance penalty undermines freedom of choice and medical autonomy. California should eliminate its penalty or, at the very minimum, expand the religious conscience exemption to include secular voluntary rejection of the medical system. 

Whether for religious reasons, lack of perceived value, or risk preferences, those who do not believe that medical insurance is right for them should not be forced to pay for it. The current system is equivalent to forcing individuals who never want to visit Disneyland to buy an annual park pass.

In California, hospitals must treat people during emergencies regardless of their insurance status or ability to pay. However, patients are still responsible for the cost of treatment. This means that even if the penalty for being uninsured were eliminated, individuals could not simply free ride on the healthcare system.

If the government forced people to purchase digital streaming subscriptions, it would be considered a massive violation of individual freedom. Health insurance is no different; it should be treated just like any other form of consumption. 

Forcing people to subsidize the risk of others is not a progressive policy. California must recognize its residents’ diverse health beliefs and respect their right to make insurance decisions without facing financial penalties.



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US to Charge a $15,000 Visa Bond to Some Tourists: What You Need to Know

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Today, the State Department announced a new visa bond pilot program that will take effect on August 20. On that date, visitors from certain countries may need to pay a bond of $5,000 to $15,000 to enter the country as a tourist.

Like the $250 visa integrity fee introduced with the passage of the “One Big, Beautiful Bill,” it’s essentially a refundable security deposit. Visitors will get the money refunded if they don’t breach the terms of the bond.



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How to avoid Paris pickpockets with safety tips from travelers and embassy

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When it comes to traveling abroad, some people may be worried about their safety and want to keep their guard up.

In the “r/ParisTravelGuide” forum on Reddit, a traveler asked others for advice on pickpockets. 

“My family will be traveling to Paris next month,” the person wrote. “It will be our first time visiting Europe, and we are very excited — but also a bit nervous.”

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The user added, “We tend to look quite innocent, and we’re worried we might be easy targets for pickpockets. We won’t have a tour guide and will be managing everything on our own.”

Others on the platform took to the comments section to share advice and their own experiences.

Each year some 2,000 Americans report their passports stolen or lost in Paris. (ALAIN JOCARD/AFP via Getty Images)

“Just know they target tourists,” wrote one person. “They only hang out in tourist areas and by your clothing it will be obvious you are not Parisian. They never bother me and I’ve never been robbed nor has a single person I know.”

Another user shared, “In the last 2 years, I’ve stopped two pickpockets in the subway. In one case, they were reaching into someone’s backpack and in the other for a phone in a loose back pocket. The strategy is to keep [your] items in places that are difficult to access.”

Said a different person, “Stay alert in touristy areas, keep your bag in front of you on the Metro, and avoid engaging with strangers who approach you (anyone).”

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One person wrote, “Be mindful. Carry bags that close, wear a cross-body bag, keep all zippers closed, don’t flash cash or jewelry. And if a stranger approaches you to hold something or offers to take your photo, walk away.”

Said yet another person, “I’m staggered how many tourists I see on the Metro with a backpack on. Makes it so easy for pickpockets to steal from them.”

A Redditor wrote, “The [number] of people I watched on their phones by the doors of the trains was staggering and does present an opportunistic grab-and-run scenario. Don’t do that.”

Both the U.S. Embassy and the Reddit community have provided pickpocket prevention strategies for tourists who travel to Paris. (iStock)

Each year some 2,000 Americans report their passports stolen or lost in Paris, according to the U.S. Embassy in France. 

The Embassy and Consulate in France have a whole page dedicated to “Pickpockets in Paris.”

Travelers are advised not to bring along more than $50 to $60 in cash.

Says the site, “The first rule of thumb is don’t have anything more in your wallet than you are willing to lose.”

The embassy also advises bringing only one credit card or ATM card along and only one piece of identification.

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Travelers are also advised not to bring along more than $50 to $60 in cash.

Tourist spots such as the Eiffel Tower, Notre Dame and the Champs-Elysées are areas where visitors are most likely to be pickpocketed, according to the embassy.

“The first rule of thumb is don’t have anything more in your wallet than you are willing to lose.” (iStock)

“Americans in Paris should be particularly alert to thieves who commonly work near tourist attractions such as museums, monuments, restaurants, hotels, beaches, trains, train stations, airports, subways and target vehicles with non-local license plates,” the embassy cautions. 

The embassy also discusses the different tactics pickpocketers use, whether on the street or on public transportation.

“Two or more people will approach you and ask for directions.”

If riding the Metro, the embassy says that “the most popular is the crush-and-grab. You will be swarmed by several people all trying to get on or off.”

“While they are pushing you, they are also picking your pockets,” notes the advisory.

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“Another trick is to grab the purse of someone sitting right by the door and to hop off just as the doors are closing.”

Pickpocketers most frequently use a distraction technique on the streets. 

“Two or more people will approach you and ask for directions, try to sell you stuff or just crowd you. While you are occupied with one person, another is picking your pocket,” the embassy says. 

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Travelers should also watch out for something getting spilled or thrown on them, as a criminal may offer to help clean up while another person picks your pocket. 

The Consular Section of the Embassy has information on how to replace certain items which have been stolen or lost.



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America’s Best Bucket List Destinations and How To Protect Them

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ST. PETERSBURG, Fla., Aug. 5, 2025 /PRNewswire/ — Like temperatures across the nation, domestic travel is on the rise this summer, with more travelers opting for trips closer to home. Squaremouth, the nation’s largest travel insurance marketplace, reports that domestic trips account for 16% of all travel insurance sales this summer, up from just 11% this spring.

As more Americans prioritize domestic trips, Squaremouth breaks down the country’s top bucket list destinations and explains how travel insurance can provide valuable peace of mind for each trip type.

Iconic Cities
World-famous destinations like New York, San Francisco, and Las Vegas offer endless entertainment, sightseeing, and culinary delights. However, these high-traffic cities are synonymous with busy airports and packed runways, making them prone to flight disruptions.

How Travel Insurance Can Help:

  • Trip Cancellations: Can reimburse your non-refundable trip costs if you’re forced to cancel your trip for reasons out of your control.
  • Flight Delays: Covers food, accommodation, and local transportation expenses if your flight is significantly delayed.
  • Missed Connections: Covers the cost to make new travel arrangements if a delay results in you missing a connecting flight later in your travel itinerary.

National Parks
From the Grand Canyon to Yellowstone, Yosemite to Acadia, America’s national parks offer stunning landscapes, wildlife encounters, and endless adventure. However, visiting these parks also offers unpredictable weather conditions, remote locations, and often rugged terrain.

How Travel Insurance Can Help:

  • Weather Protection: Provides reimbursement for your travel expenses if your trip is cancelled, interrupted, or delayed by inclement weather.
  • Medical Evacuations: Covers the cost to be airlifted to a nearby medical facility if you get injured or severely ill while exploring remote locations.
  • Adventurous Sport Coverage: Some policies offer unique protection to travelers who get injured while rock climbing, rafting, or participating in other high-risk activities.

Family Destinations
Family-friendly destinations like Disney World, San Diego, and Chicago are surging in popularity among travelers looking to create lasting memories with their children. But, as many parents know, traveling with young children can mean a higher chance of illness, last-minute itinerary changes, and other surprises.

How Travel Insurance Can Help:

  • Medical Expenses for Children: Covers the cost of unexpected hospital stays, doctor visits, prescription medications, and other medical expenses during a trip.
  • Emergency Assistance Services: Offers 24-hour emergency assistance to help refer care, coordinate medical evacuations, and provide other time-sensitive services.
  • Concierge Services: Some plans include a dedicated concierge service that can help you purchase last-minute amusement park tickets, dinner reservations, and more.

Historic Charm
Rich in history and culture, destinations like Washington D.C., Philadelphia, and New Orleans provide an in-depth look into American history. From museums to tours, many of the attractions found in these cities require advanced planning and prepaid reservations, resulting in lost expenses if your trip gets canceled or interrupted.

How Travel Insurance Can Help:

  • Booking Protection: Since tours and tickets are often prepaid, your policy may reimburse these non-refundable bookings if you’re forced to cancel your trip.
  • Trip Interruption: Reimburses unused prepaid trip expenses if a family emergency or severe weather event forces you to end your trip early.

About Squaremouth
Squaremouth is a trusted name in the travel insurance industry, offering comprehensive, transparent, and competitive coverage to travelers for 20 years through its digital platform. With the largest portfolio of travel insurance carriers and products in the U.S., Squaremouth has insured over 4 million travelers.

Media Contact
Steven Benna
[email protected]

SOURCE Squaremouth



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