Affordable Health Insurance
3 Easy Steps to obtain an Affordable Health insurance Policy
- Enter your ZIP code in the zip code box below and select "GO" -This will bring up a selection of local providers to choose from.
- Select a local insurance provider and fill out your basic info to recieve instant health insurance quotes online.
- Speak with a local health insurance agent who respresents all the major carriers, to get a custom proposal since online rates don't take into account your health history.
Sometimes it can be difficult to find affordable health insurance, but don't lose hope - we have cheap health insurance rates for Seniors, Kids, Women, Individuals and the Self-Employed.
Affordable Senior Health Insurance
As a Senior researching affordable health insurance options, you actually have it pretty easy.
Medicare Supplement plans are standardized, meaning a Plan F has the same benefits across the board, the ONLY difference is the premium --that's it!
Pretty simple right?
Comparing cheap Medicare Supplemental policies is downright easy, but comparing an affordable Medicare Advantage plan is a little more difficult.it's advisable to contact a local Medicare expert who can outline your Medicare Advantage options since those plans have enrollment periods and are different with every Medicare health plan carrier in your county.
Affordable Health Insurance for Children
If you think you can just go online and purchase an affordable health insurance policy for your kids, then you will be unpleasantly surprised at the current market conditions for child only health plans.
When President Obama insituted "ObamaCare", he made it impossible for individual health insurance carriers to exclude children from being covered on family health insurance plans.
It also stops health insurance companies from exlcuding any condition a child may have, even minor ones from being excluded from coverage.
While this sounds probably pretty good to your ears, it has caused devastation on the individual marketplace.
Major Medical Health Insurance organizations have stopped selling children their own plans because they would have had to cover any condition from day one, and there are caps on what they can set the premiums at.
So as a parent you have the choice of either paying through the nose at work to add your dependants (if your company still offers group coverage) or you can purchase a Temporary Health Insurance Plan for kids, if a family health plan on the private market is not on the table for your family.
Affordable Individual Health Insurance
Individuals, Families and Small Employers all have a few options for affordable health insurance in the US.
PPO vs HMO
Most individual health plans that are affordable utilize PPO networks, since with Preferred Provider Organization a doctor doesn't get paid until he provides a service, with an HMO they are paid a rate per patient regardless of any services rendered.
In some areas like New York and New Jersey, 90% of all available indiivdual health plans are HMO's so they are the exception to that rule, since there are very few PPO plans in that area of the country.
If you live in an area that offers indiivudal HMO plans consider how the HMO health insurance plan will effect your bottom line.
Most HMO's offer small networks, low out of pocket costs and relatively high premiums.
HMO plans cover a lot of services at a copay, and they do at the end of the day have control over your health care choices, since most services have to be approved by the HMO.
PPO plans provide you the insured with total control over your health car and in exchange you will have deductibles and coinsurance to deal with, but many Americans believe it's the only way to go!
Affordable Health Insurance Self Employed
As a self employed individual looking for affordable health insurance, you have it made!
Not only can you write off you're health insurance premiums tax free, but you can also write off medicals expenses if you have an HSA eligible High Deductible Health Plan and open up a Health Saving Account at your local bank.
Some business owners try replicating their benefit rich group plan when looking at individual health plans, sadly this is pretty much a waste of time.
One of the reasons your shopping for a private health insurance plan is that you are trying to save money right?
Group health plans come with low deductibles, lots of first dollar benefits and no exclusions for pre existing conditions and are 2-3X the cost of an affordable indiivdual health insurance plan on the private market.
Health Insurance Rates in under 30 seconds!
