Does employer-sponsored coverage have to fail both the affordability and minimum value tests to allow an employee and dependents to jump the firewall and receive premium tax credits? No, the offer of employer-sponsored coverage does not need to fail both tests. An employee can jump the firewall and qualify for premium tax credits when no plan offered by the employer is both affordable and meets minimum value.
In addition to the usual risks associated with cocaine use, crack users may experience severe respiratory problems, including coughing, shortness of breath, lung damage and bleeding. Long-term effects from use of crack cocaine include severe damage to the heart, liver and kidneys. Users are more likely to have infectious diseases. Continued daily use causes sleep deprivation and loss of appetite, resulting in malnutrition. Smoking crack cocaine also can cause aggressive and paranoid behavior.
In addition to negative short-term effects, long-term crack cocaine abuse can have even more pronounced drawbacks that affect users even when they are not getting high. A short list of the most serious effects includes: 1  Severe depression. 2  Paranoia. 3  Mood disturbances.