Ini pendapat yang mengharamkan nikah saat wanita sedang hamil :
Perkawinan seperti ini, sekarang ini memang sudah biasa karena keluarga biasanya memilih jalan untuk menutup malu. Bila ketahuan anaknya “hamil luar nikah”, cepat-cepat dikawinkan.
Berdasarkan kenyataan tersebut, nikah itu TIDAK SAH, maka pasangan itu kelak hidup dalam zina sampai kapanpun… Persoalan ini telah diajukan kepada seorang Imam, di mana banyak persoalan lain timbul dari persoalan pokok tersebut. Saya bagikan di sini karena ini amat penting:
Pasangan suami isteri dianggap berzina sepanjang perkawinan mereka jika…
Soalan 1: Apakah langkah yang sewajarnya sekiranya seorang gadis belum menikah namun sudah hamil di luar nikah?
Gadis itu tidak boleh kawin sehingga bayi itu dilahirkan.
Soalan 2 : Sekiranya lelaki yang bertanggungjawab itu bersedia mengawini gadis itu, bolehkah mereka bernikah?
Tidak. Mereka tidak boleh menikah sehingga bayi itu dilahirkan.
Soalan 3 : Adakah pernikahannya itu sah sekiranya mereka menikah?
Tidak. Pernikahannya itu TIDAK SAH. Seorang lelaki tidak boleh mengawini seorang wanita hamil, walaupun lelaki itu merupakan
ayah kepada bayi yang dikandung itu.
Soalan 4 : Sekiranya mereka menikah, apakah tindakan mereka untuk memperbetulkan keadaan?
Mereka mesti berpisah. Perempuan itu mestilah menunggu sehingga melahirkan, atau sehingga sah dia tidak mengandung, barulah mereka boleh menikahsekali lagi,secara sah.
Soalan 5 : Bagaimana sekiranya keadaan itu tidak diperbetulkan?
Maka mereka akan hidup di dalam zina karena pernikahannya itu tidak sah.
Soalan 6 : Apakah hak seorang anak luar nikah?
Kebanyakan pendapat mengatakan bahwa anak itu TIADA BERHAK untuk menuntut apa-apa daripada ayahnya.
Soalan 7 : Sekiranya hukum mengatakan lelaki itu bukan ayah kepada anak tersebut, adakah itu bermakna dia bukan mahram kepada anak perempuannya sendiri?
Ya. Dia tidak boleh menjadi mahram.
Soalan 8 : Sekiranya seorang lelaki Muslim Dan seorang wanita Muslim (atau bukan Muslim) ingin menikah setelah kejadian "Hamil diluar Nikah", apakah tindakan yang sewajarnya?
Mereka mesti tinggal berasingan segera Dan menunggu sehingga perempuan itu haid satu kali sebelum mereka boleh melangsungkan pernikahan.
Soalan 9 : Sekiranya saya kenal/tahu seseorang di dalam keadaan ini, apakah saya perlu memberitahu kepadanya, atau lebih baik mendiamkannya saja?
Anda wajib memberitahu, karena itu sebahagian tanggungjawab anda sebagai saudaranya. Mereka harus diberi peluang untuk memperbaiki keadaan mereka, kalau tidak semua keturunan yang lahir dari pernikahan tidak sah itu adalah anak-anak yang tidak sah.
Kesimpulannya: Ibu bapa, saudara2 sekalian yang tahu akan keadaan tersebut tetapi mendiamkan, membiarkan atau membenarkan perkawinan tersebut diteruskan maka mereka juga tidak terlepas daripada menanggung azab dan siksaan didunia atau pun diakhirat…
Tolong jangan abaikan artikel ini. Ini merupakan satu perkara yang serius. Jadi, fahami dan dalami betul-betul dan diskusikanlah dengan Imam/ustaz sekiranya perlu.
Individual health insurance is available for purchase through a state marketplace if you currently do not receive coverage through an employer or through a federal health insurance program like Medicaid. A marketplace policy is paid for entirely by the individual. Therefore, it can typically make the policy more expensive than a group policy, for which a person would only pay a portion of the total premium.
In the table below, you can notice these differences in health insurance premiums. For example, the largest discrepancy can be seen in Gold tier plans, which were 111% more expensive for individual policies compared to group health insurance plans.
However, you may be able to receive some premium subsidies on individual policies if your income falls below the federal poverty level. You can see if you qualify through the Michigan health insurance marketplace.
Metal tier Individual health insurance premium Small group health insurance premium
Bronze $429 $252
Silver $615 $302
Gold $706 $334
Platinum $667 $374
In this study, we have decided to use an employer-to-employee contribution ratio of 70%. This is an industry average for health insurance and means that an employer would be responsible for paying 70% of the monthly premiums, while employees would pay the remaining 30%. This is represented in the graph as the light blue (employer) and blue (employee) columns.
As you can see below, the employees will find that their health insurance costs will be significantly cheaper through small group policies compared to individual. For example, an individual Gold plan will be $605 more expensive for the employee compared to his or her share of the small group health insurance premium. Furthermore, on average, an individual plan will be 539% more expensive compared to the small group premium for the employee.
Average Health Insurance Premiums by Metal Tier
In Wayne, Oakland, Macomb, Kent and Genesee, employees will pay on average $518 less for their group health plan compared to getting health insurance through the Michigan marketplace.
The gap between group and individual health insurance costs widens when analyzing policies in the largest populated counties of Michigan. Across Bronze, Silver and Gold, an individual health insurance plan will be 137% more expensive than a group policy of the same metal tier. Platinum individual health insurance policies were not offered in the five largest counties of Michigan and thus were not used as part of the analysis.
Average Health Insurance Premiums by Metal Tier (5 Counties)
Small group health insurance monthly premiums in 2019 reach $315 on average; 3% higher than the cost in 2018.
Small business owners saw a slight increase in their per employee group health insurance costs from 2018 to 2019. The largest increase occurred in Bronze health insurance group policies, which saw a monthly premium increase of $18 or $216 over the course of a year.
Average Small Group Health Insurance
The least significant year-over-year change can be seen in Gold health insurance policies, which only increased by 0.46% since 2018. Employers should take note of this as the most common policy offered in Michigan is the Gold tier health insurance plan — with an average of 121 Gold policies offered in each county.
Metal tier Percentage change since 2018
Bronze 7.58%
Silver 1.57%
Gold 0.46%
Platinum 2.92%
Deductibles for small group plans increased by 2% from 2018 to 2019.
Besides premiums, deductibles can vary greatly depending on the tier. Furthermore, deductibles will have a direct affect on how much an employee will have to pay for health insurance. Therefore, employers should analyze deductibles and decide what will be valuable for workers. For example, by providing a high tier plan like Gold, employees will not have to spend as much money out of pocket and will instead gain access to coinsurance benefits more quickly.
The largest increase in deductibles occurred in Gold health policies, which spiked 12% year over year.
Metal tier 2018 2019
Bronze $6,098 $6,146
Silver $3,579 $3,835
Gold $1,697 $1,908
Platinum $1,165 $902
Complete rankings of counties in Michigan and the average and group health insurance premiums.
County Average Individual Premium % Change from Individual Average Average Group Premium % Change from Group Average
Alcona $548.96 -6.31% $316.92 0.48%
Alger $744.19 27.01% $389.87 23.60%
Allegan $585.00 -0.16% $305.02 -3.30%
Alpena $548.96 -6.31% $316.92 0.48%
Antrim $536.07 -8.51% $287.13 -8.97%
Arenac $557.15 -4.91% $285.83 -9.38%
Baraga $744.19 27.01% $389.87 23.60%
Barry $585.00 -0.16% $305.02 -3.30%
Bay $549.06 -6.29% $283.02 -10.27%
Benzie $536.07 -8.51% $287.13 -8.97%
Berrien $622.73 6.28% $330.34 4.73%
Branch $621.15 6.01% $319.27 1.22%
Calhoun $597.42 1.96% $316.03 0.19%
Cass $627.15 7.04% $328.85 4.26%
Charlevoix $536.07 -8.51% $287.13 -8.97%
Cheboygan $548.96 -6.31% $316.92 0.48%
Chippewa $593.21 1.24% $335.45 6.35%
Clare $565.14 -3.55% $324.57 2.90%
Clinton $545.68 -6.87% $311.45 -1.26%
Crawford $548.96 -6.31% $316.92 0.48%
Delta $744.19 27.01% $389.87 23.60%
Dickinson $744.19 27.01% $389.87 23.60%
Eaton $545.68 -6.87% $311.45 -1.26%
Emmet $536.07 -8.51% $287.13 -8.97%
Genesee $478.62 -18.31% $270.21 -14.33%
Gladwin $565.14 -3.55% $324.57 2.90%
Gogebic $744.19 27.01% $389.87 23.60%
Grand Traverse $536.07 -8.51% $287.13 -8.97%
Gratiot $586.88 0.16% $292.66 -7.22%
Hillsdale $598.32 2.12% $311.80 -1.15%
Houghton $744.19 27.01% $389.87 23.60%
Huron $566.19 -3.37% $290.28 -7.97%
Ingham $553.79 -5.49% $311.45 -1.26%
Ionia $550.30 -6.08% $295.84 -6.21%
Iosco $548.96 -6.31% $300.39 -4.76%
Iron $744.19 27.01% $389.87 23.60%
Isabella $591.81 1.00% $320.82 1.71%
Jackson $621.10 6.00% $315.02 -0.13%
Kalamazoo $586.31 0.07% $315.45 0.01%
Kalkaska $536.07 -8.51% $287.13 -8.97%
Kent $538.48 -8.10% $296.71 -5.93%
Keweenaw $744.19 27.01% $389.87 23.60%
Lake $570.71 -2.60% $299.50 -5.05%
Lapeer $514.08 -12.26% $281.07 -10.89%
Leelanau $536.07 -8.51% $287.13 -8.97%
Lenawee $603.52 3.00% $315.35 -0.02%
Livingston $586.30 0.06% $312.19 -1.02%
Luce $744.19 27.01% $389.87 23.60%
Mackinac $593.21 1.24% $335.45 6.35%
Macomb $466.61 -20.36% $259.11 -17.85%
Manistee $536.07 -8.51% $287.13 -8.97%
Marquette $744.19 27.01% $389.87 23.60%
Mason $570.71 -2.60% $299.50 -5.05%
Mecosta $570.71 -2.60% $299.50 -5.05%
Menominee $744.19 27.01% $389.87 23.60%
Midland $565.14 -3.55% $324.57 2.90%
Missaukee $536.07 -8.51% $287.13 -8.97%
Monroe $515.12 -12.08% $274.23 -13.06%
Montcalm $544.23 -7.12% $295.52 -6.31%
Montmorency $548.96 -6.31% $316.92 0.48%
Muskegon $580.15 -0.99% $296.30 -6.06%
Newaygo $570.71 -2.60% $299.50 -5.05%
Oakland $466.61 -20.36% $259.11 -17.85%
Oceana $570.71 -2.60% $299.91 -4.92%
Ogemaw $546.92 -6.66% $306.69 -2.77%
Ontonagon $744.19 27.01% $389.87 23.60%
Osceola $570.71 -2.60% $299.50 -5.05%
Oscoda $546.92 -6.66% $316.92 0.48%
Otsego $548.96 -6.31% $316.92 0.48%
Ottawa $565.30 -3.52% $296.71 -5.93%
Presque Isle $548.96 -6.31% $317.22 0.57%
Roscommon $546.92 -6.66% $306.69 -2.77%
Saginaw $549.06 -6.29% $283.02 -10.27%
Saint Clair $580.21 -0.97% $271.41 -13.95%
Saint Joseph $602.98 2.91% $328.85 4.26%
Sanilac $563.31 -3.86% $290.28 -7.97%
Schoolcraft $744.19 27.01% $389.87 23.60%
Shiawassee $526.28 -10.18% $279.36 -11.43%
Tuscola $566.19 -3.37% $290.28 -7.97%
Van Buren $588.20 0.39% $324.34 2.83%
Washtenaw $545.88 -6.84% $312.19 -1.02%
Wayne $467.10 -20.28% $263.04 -16.61%
Wexford $536.07 -8.51% $287.13 -8.97%
State Average $585.93 0.00% $315.42 0.00%
Methodology