Whether you're in the position of starting a family and looking for your first health cover or are moving further to the other end of the scale where you're more likely than ever to need to use it – health insurance is something that looms large for one and all.
But how can you find an affordable policy that covers you for those specifics you want or need without paying through the nose.
As more and more large, multi nationals buy up the smaller insurance companies and the private firms are swallowed up into conglomerates – finding such a thing is going to get harder and harder to do.
The current band of politicians soon to be garnering your votes for the upcoming presidential will be hitting you with every scheme and catch phrase they can come up with to try and get your vote, based on a fairly limp promise of “sorting out the Health system”.
Don't believe it!
Current trend is that making more competition within the industry sector will drive prices down. However, there is more than enough competition now yet prices continue to rise. At the last estimate, 47 million Americans are currently without Health Insurance!
Not good – especially if you're one of the unlucky 47,000,000!
So what can you do about the poor options of finding an affordable policy to cover your health?
To be honest – you have two options if you don't have direct access to a company policy where you work.
Number 1 – Is your partner in a position or job where Health Insurance is a 'perk'. If so – explore the options available of adding you and any children you may have to their policy for an additional fee.
Paying a top-up to his or her employer will be considerably cheaper than paying for a full policy yourself!
Number 2 – Look to join a group of others in the same boat who've formed a Health Group and use the collective strength to arrange and finance a group Health Insurance coverage. If such a group isn't to be found that suits – maybe consider starting your own and inviting / advertising for other individuals to join.
May mean a bit of work but hey – it's much better to have to do a bit of organising and sorting than be hit with a huge bill for necessary medical cover that could have been fairly easily arranged and in place by now!
Got a Question? Ask.
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Frequently Asked Questions
Overweight
By: irish | 11-09-2008
health insurance and discrimination,is it legal for a health insurance company not to insure you because you are overweight?
How to find peoples personal health insurance ...
By: amsm2 | 08-09-2008
how to find peoples personal health insurance information
Cheated Out of Health Insurance
By: Don | 04-09-2008
hawaii mandatory health insurance. Can my employer legally threaten to
cut my hours to disqualify me from coverage. I was asked to falsely state
that I had obtained coverage thru my spouse.
Health insurance????
By: coriandermay | 26-08-2008
my parents have been asking me and telling me so often about health insurance it gets quite aggrivating cause they ask about it so often.........right now I am working at a daycare and am really getting like 30 or less hours a week which isn't much for minimun wage of 7.25/hour....... I wanted to know if it is possible to work 2 jobs working about part time hours for both or at least one of them and be able to get health insurance especially with working a daycare job. I had looked a little online to see what was out there but havn't gotten far and not exactly sure what to look for but I do not want to pay alot for it either if I have to pay for it myself since I am not getting a big paycheck.......... what do u guys suggest??
Comments on United Benefits of America
By: Vickie | 25-08-2008
I'd like any comments on a health care company called United Benefits of America. They have been calling me several times each day and I'm not getting a good feeling about this company.
US health insurance optio sec 125
By: IanSalter | 18-08-2008
Your employer is a small business and does not offer pretax health insurance premium payments under sec 125 what can you do to pay premiums pretax?
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