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Posts tagged ‘Individual Health Insurance’


by Logan

Are You Choosing Not to Have Health Insurance?

Health Care and health insurance is a huge debate – both on national levels, state levels, and even in our own homes. The dilemma is present and the outcomes are even scarier. No matter what side you are on, hopefully you can see that not having health insurance can be a potentially huge problem.

Often health insurance is something that we take for granted. Of course, this isn’t in all cases. It appears to be especially true for college age students.  Is the reason for this availability or choice. Are more people loosing their jobs or is good coverage becoming too expensive.

A recent study came out and indicated that some 48 million Americans may be without health insurance. But not all of the cases are because of a lost job or unemployment. Some are by choice. Others site that individual health insurance is too expensive.

Without health insurance, large problems brew. With no insurance, you may skip out on that yearly exam or you may avoid getting treated for moderate pains, problems, or concerns. In the end, this only worsens your overall health.  In the long run, this could prove to be a vital problem.

The Commonwealth Fund provided the study of around two thousand individuals. 25% did not have any insurance and around 25% of those who didn’t have insurance have never had insurance. Another 30% or so indicated that they had lost their insurance from an employee sponsored insurance through cutting of jobs, benefits, or a complete loss of a job altogether

Some argue that no one is choosing to not have insurance

There are those who report that choosing not to have insurance and being unable to pay for it is vastly different. What do you think?

Could someone make enough money on paper, but have too much debt. It looks like they may be well off but really, they are struggling to stay afloat.

Common sense or your own history would make it difficult for you to believe that anyone would actively choose not to have insurance.  Ideas that they may be saving the money that they were going to use for insurance into a special account to use for doctor visits.  Are you money savey enough to save your money enough to have a real benefit from not getting insurance.

Remember back to your College years

I personally had tons of friends who choose not to waste their money when they were single on insurance. They had the invincibility shield on and believed that they would never need the insurance and so why pay for it.

The U.S. Department of Health and Human services estimated that in 2008 – 44 percent  of those uninsured were between the ages of 18 and 34.  Their belief that a good portion of these people believed that they were immune to sickness.  In half of these cases, the individual could pay for individual insurance.

But many of those, who choose not to have insurance while single and a student, once married, are strong supports for health insurance. When a family comes into play, a lot of things change.

Overall

Health Insurance is a very tricky issue to deal with.  Without a doubt, there are those who need insurance who can’t get it. This could be a variety of reasons, and the most basic, is that they haven’t taken enough time to search through and find a individual coverage that suits them.

Others have recently lost their job or are in-between jobs. Another good proportion of people, their companies no longer offer this benefit. That would be so hard, to previously have had insurance, to have not lost your job, but are no longer able to have insurance through your employer.

But at the same time, for whatever reason, there are those who are actively choosing not to have insurance. They may see someone else forcing them to have insurance as a bad thing.

The one thing that we know for sure, not having insurance is a horrible thing. You may think that you are invincible but one day, something may happen. By not having insurance, you could be setting yourself up for a life full of financial misery. 

Take the time and find an insurance that is right for you.


by James Tuck

Individual Health Insurance Quotes

Finding individual health insurance quotes should not be a chore. The task can be simple for people who organized a search to find the best quotes. The search is incredibly easy. The first three results will probably produce three reputable companies to provide free health insurance quotes.

Do not worry about spending an exorbitant amount of time on the search. There are so many companies available. Clients will probably find a reputable company and complete an application within minutes. This is great for people who are time-challenged.

Before addressing the tips for finding the best health insurance quotes, individual health insurance will be described in brief. This provides perspective on the type of insurance self-employed, freelance, unemployed or other people can obtain.

What is Individual Health Insurance?
An individual health insurance quote simply means the insurance is not provided as a part of a group or corporate health insurance. Families may also be covered by individual health insurance.

Individual health insurance is typically more expensive than corporate or group insurance. Clients should do whatever possible to keep their expenses low. Discounts are typically provided people who purchase insurance through companies or other professional organizations. Quote comparison is especially important with individual health insurance rates.

Tips for Finding Individual Health Insurance Quotes
1. Search Online. While this may seem obvious, searching online for websites offering health insurance quotes is probably the most efficient way to obtain a quote. Most quotes will be returned in 24 hours or less. Once the quotes are received, they can be compared and selected based upon the offer with the best price. Consider performing a thorough search online to find the best prices available. Consumers will be surprised at the low prices of some health insurance companies.

2. Find an Insurance Broker. Insurance brokers have a wealth of knowledge. They are experts in their field. Insurance brokers know the insurance companies offering the best deals and coverage. Insurance brokers typically obtain their fees from insurance companies. Most applicants are not required to pay fees with most services. This is a convenience considering the effort insurance brokers put into their jobs.

3. Ask Professional Organizations. Professional organizations can also provide recommendations of insurance companies offering quotes. A professional organization often offers discounts to members purchasing the insurance. Consider contacting a professional organization to determine which insurance carriers honor discounts offered by the organization.

4. Try COBRA. COBRA is a more expensive insurance option most people obtain after leaving a corporation. COBRA allows people to obtain the same level of insurance without the discounts provided by the applicants’ employer. After people resign, they typically receives a letter from COBRA. A quote is typically included in the letter. Alternatively, applicants can contact the company directly for a quote. This is not the most economical option, but some people prefer the consistency of coverage.

Request an Individual Health Insurance Quotes Online
Consider requesting a health insurance quote online. This will help applicants start the journey to obtaining viable health insurance. The process is easy and efficient. With proper health care, clients can continue to maintain their health while starting a new business or looking for gainful employment. With 18,000 people dying every year because of the lack of insurance, no one should sacrifice the right to health insurance. Complete an application to obtain free quotes and select the best insurance.