The more you know about selecting the right affordable individual health insurance, the better. However, it can be pretty tiresome searching the Internet for the data and quotes that you will need to make a smart decision about buying private health insurance. To help you bypass this labor-intensive search process, we’ve collected a range of articles that will give you access to important information about finding cheap individual health insurance that still offers a decent level of coverage. We’ve also created a convenient free quote service for health insurance; just fill in your ZIP-code in the form above to receive an instant health insurance quote.
Low Cost Individual Health Insurance Offers Basic Coverage
Low cost individual health insurance is designed to give you basic protection; in most cases, it will cover hospital stays and major illnesses. If this sounds like enough coverage for you, you’re a prime candidate for cheap individual health insurance that won’t put too big of a dent in your budget. Premiums for affordable individual health insurance are much lower than premiums for more comprehensive private health insurance. Deciding whether you need a little coverage or a lot is a personal choice, and it depends on certain variables, such as your lifestyle, career, and medical history. Reading the articles posted on this page will help you to understand exactly which level of coverage low cost individual health insurance offers.
At this point, you’ll be ready to make a choice that is truly right for you. After you’ve learned more about low cost individual health insurance via our handy web resource, you’ll be ready to visit our home page, where you can access individual health insurance quotes in real time. As you can see, we take care of the details for you, so you don’t need to waste time surfing the Web for all of the facts and quotes that you need. AtReallycheapinsurance.com, everything you need is right here “under one roof”.
When you browse our online archive, tons of expert advice and information will be right at your fingertips; all that you need to do is use your computer mouse to scroll down the page. We’ve compiled a helpful list of articles which outline some of the most important aspects of the best, low cost individual health insurance policies.
Private health insurance will be easier to understand once you’ve checked out these well-researched and engaging articles. Our writers have pinpointed the most important facts about finding suitable cheap individual health insurance, and they’ve compiled the facts in such a way that any reader will be able to understand them. If you’re looking for clear, easy-to-read information about affordable individual health insurance, you’ll enjoy everything that our private health insurance archive has to offer.
Is Affordable Private Health Insurance Just a Pipe Dream?
You may be wondering if it’s really possible to get affordable private health insurance that will protect you in the event of a hospital stay or serious illness. Rest assured, there are plenty of companies that do provide cheap individual health insurance with reasonable premiums and good, basic coverage. The articles that we’ve featured in this archive will point you in the right direction as you begin the hunt for private health insurance that doesn’t break the bank. Our library of articles was developed for the exclusive purpose of helping readers just like you to understand low cost individual health insurance and how it can be easily attained.
Finding cheap individual health insurance isn’t just a pipe dream; it’s actually simpler than you might imagine, and it all starts with proper knowledge of private health insurance policies, rates, and features. If you’re weary of Google searches that leave you more confused than ever, you’ve come to the right place.
We are here to help you clear up the confusion, and we’re able to give you plenty of helpful facts about selecting low cost individual health insurance that will protect you from most astronomical hospital bills and related medical expenses.
Our archive offers fascinating information about important government regulations related to private health insurance (including the Affordable Health Care Act). It also gives tried-and-true tips on using consumer rankings and ratings to find the best small and large health insurance providers in your community. Whether you’re planning on purchasing affordable individual health insurance online or offline, you’ll appreciate these tips on finding reputable companies and avoiding the “bad apples” in the bunch.
Finding great affordable individual health insurance will be a piece of cake once you’ve used the helpful and practical resources you find throughout our web site.
Health Insurance in the U.S. Today
Affordable individual health insurance is one of the greatest challenges in the United States today. Even after the passage of the Patient Protection and Affordable Health Care Act in 2010, health insurance costs have not come in line with the optimistic predictions of the Obama administration. In fact, in 2011, premiums climbed a staggering 9 percent. That’s three times the current rate of inflation and the biggest one-year hike in premium levels since 2005.
Although estimates vary by research group, it’s safe to say that between 50 million and 52 million Americans are living with no health insurance coverage whatsoever. Beyond the personal risk this poses in the event of a serious illness or injury, medical debt is the leading cause given for filing personal bankruptcy proceedings in the U.S. One major medical crisis can literally wipe out a family’s financial security for years to come.
Health benefits as a job-related benefit have long been a standard in America, but small businesses are feeling the pinch as well. More and more are dropping health insurance for their employees, throwing those people back out in the private insurance marketplace. If the Supreme Court upholds the constitutionality of the clause of the Affordable Care Act that would require all Americans to carry health insurance by 2014, the question of finding cheap individual health insurance will assume even more difficult proportions. This is one area of insurance coverage where it is paramount to understand exactly what a policy does and does not cover, to have a clear sense of the out-of-pocket expenses, and to know any policy limits that are in effect. For too long people have regarded their insurance as a complete answer to all health care needs. More and more people now see their policies as a vehicle to handle catastrophic or emergency illnesses, and are once again assuming the cost of regular care on their own.
Making intelligent decisions about affordable individual health insurance is a matter of comparison shopping, being well informed about what options are available, and being sufficiently well-educated on the subject to make the choice that best fits your needs and those of your family.
According to a report released by the Employee Benefit Research Institute, a non-partisan group, health-care reform being implemented under the 2010 Patient Protection and Affordable Care Act does seem to be leading to improved health insurance protection for young adults.
Under the terms of the legislation, dependent children must be carried on group health plans until they reach age 26. This benefit is not dependent on their status as students, nor is there a requirement that their parents be supporting them financially. Coverage cannot be limited based on marital status, but if they are married or have children, the benefits cannot be extended.
The results of the study showed that the percentage of young adults between 19 and 25 now carried as dependents on employment-based coverage held by their parents is up from 24.7 percent in 2009 to 27.7 percent in 2010. That translates to just under 1 million individuals for a total of 8.2 million covered.
Taken in tandem with data compiled by the Centers for Disease Control on private insurance, which is up from 51 percent to 55.8 percent, and the number of uninsured young people is down to just 28.8 percent.
Unfortunately, the flip side of this situation is that older adults have become even more medically vulnerable during the recession even with Medicare benefits. More older Americans are delaying or missing doctor’s appointments and discontinuing or stretching their medications. In the middle, almost 50 million Americans still have no health coverage whatsoever.
As the nation enters the 2012 presidential election season, there are undoubtedly wide gaps in health insurance coverage and effectiveness, a topic sure to be front and center in the political debate.
Everybody needs health insurance. Accidents happen and it is important that we are prepared. If an accident happens, or if you get sick and do not have health insurance, it could end up costing you a lot more then just your health. Medical bills are not cheap. In fact, you might be surprised at how much a simple visit to the doctor can cost without insurance.
If you are not employed by a company that offers a health care program, if you are self employed, or unemployed, you can still get health care. Almost all health care companies offer plans for individuals. Individual health insurance plans are just as complicated as group plans and you will probably need help sorting through all of the medical jargon to find the right plan.
Health insurance brokers can help you find many affordable health insurance plans for you to choose from. These are likely to vary in price, and coverage. Make sure to ask questions so you can get what you need out of your plan. You need to decide on things like if there is a certain doctor you want to see, or if you mind your insurance company picking your doctor for you. Are you more concerned with preventative medicine, or do you only want to be covered in case of an emergency.
Recent college graduates often have a hard time deciding on individual health insurance plans. But even in the limbo between school and a job, you can still be covered. There are many companies that will take students on until they get a job. If you need health care for just yourself, there are many options. Use the internet to compare the many companies and insurance rates to make sure that you get the best deal.
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With the economy gone haywire, more and more people are trying out their hand at running their own businesses. These enterprises are your typical one-man show where the owner does anything and everything. And no, these owners do not have health insurance as a standard benefit. Self-employed or small business owners need to buy their own coverage to secure their individual health. Quotes obtained for individual policies is generally more expensive than group plans. If you are considering becoming an entrepreneur and thus, will have to get your own health insurance yourself, consider these:
- Your needs. The cheapest is not always the most cost-effective policy there is. Evaluate your needs and be sure the policy you get matches them. Pay attention to your pre-existing conditions, medical history, and present health. How thorough a coverage do you need? Do you have any condition that might jack up premiums?
- Your options. Going without health insurance is a bad choice. Despite the confusion, the challenge of finding the balance between costs and coverage is necessary. Your options begin with narrowing your choices down to possible providers, including buying COBRA coverage from your previous employer. Individual health quotes are also a good ballpark.
- Your costs. There are factors that play significant roles in determining which policy is appropriate for you. These very same factors can also help you lower your costs. Therefore, even before navigating the insurance marketplace for the right policy for you, do your homework. Ask yourself questions pertaining to your present medical conditions, your doctor preferences, and your goals for your individual health. Quotes become more useful tools for comparison if you have a goal against which to measure each alternative.
Much like any other insurance policy you might be offered, don’t get sold by sales talk. Take the time to evaluate features and read the fine print. This decision can make or break your future financial security.