Everyone is wanting affordable health care these days, especially when it seems like premiums are rising every year. The other problem is companies are starting to think twice about whether they offer a full insurance plan to their employees or not. Then there is the issue of soaring unemployment or the constant fear of losing a job. All of these issues are causing people to look for affordable health insurance quotes, as they never know when it...more
It is a difficult experience to lose your job. There is the emotional side to deal with, as well as the uncertainty of what is next. Suddenly money is lacking, even if you are on unemployment. The other aspect that can be difficult for many families is the sudden lack of health insurance. Yes, there is the option of COBRA, which is where your former employer still has to offer your plan for a time. However, it isn't usually the wisest option in...more
Many people have questions and for the most part these health insurance questions revolve around the recent controversy about the government health care plan that is soon to be implemented in the U.S. For the most part there is a lack of understanding about this program and the following are just a few of the pressing questions that American's want answers to.1. WHEN WILL THE HEALTH PLAN TAKE EFFECT? Although Americans will begin paying for this plan very soon it won't actually take effect for several years. This is due to the fact that the government must first build up funding for this very expensive venture so if you were planning on this plan coming to your rescue and meeting your current need for affordable health insurance it won't help you for a few years.2. WHO WILL THIS HEALTH PLAN BENEFIT? The government run health plan will help all Americans because everyone will know that they can get health insurance regardless of their financial or health related circumstances. The primary benefits of this health insurance plan will be felt by adults, those that are low income, those that are just becoming adults and those who have serious health issues and struggle with their...more
There are different components that need to be considered when you are shopping for affordable health insurance quotes. What you look for depends on age and who is in your family. If you are female, you might want maternity included in the plan, because if it isn't, your bills suddenly went up if pregnancy would occur. There are options for...more
There is a good chance you have found a number of affordable health insurance quotes when you created an online search. You submitted all of the necessary information and different companies have produced a variety of policies for you to choose from. However, how do you narrow down the search to find the right insurance plan for your family and...more
When it comes to choosing a health insurance plan you may be at a loss to determine the plan that is right for you. Many health insurance plans offer extras that make them a better value for consumers and although the premiums may cost a little more they may wind up costing you less in the long run.HEALTH SAVINGS ACCOUNT - This is an account that you pay into during each pay period and the amount is deducted before taxes. As a tax free account, you can use the money that you have saved to pay any co-pay, deductible amounts, plus anything that is not covered by your health insurance plan. A HSA does build interest and carries into the future to allow you to build up money in case of a serious medical crisis.HEALTH REIMBURSEMENT ARRANGEMENT - This is a plan that the employer contributes to on behalf of their employees by which the employee can withdraw funds for eligible health expenses. It is only at the employer's discretion how much if any of these funds can be rolled over at the year's end.FLEXIBLE SPENDING ACCOUNTS - Along the lines of the HSA accounts these are accounts that are established by the employer on behalf of the employees with pre-tax donations. These types of plans...more
At first glance it may seem that you are only comparing health insurance plans and not the companies themselves. A health insurance company is only as good as the promises they keep and no matter what they say about the plan that you are purchasing,...more
If you are the parent of a senior who is getting ready to pursue a college career they have probably already decided on a school that has not only accepted them but one that will fulfill their higher education needs. While you may be flooded with...more
According to US Census Bureau, a third of the residents in Texas do not have access to health coverage. This is way above the national average where only 1 in 5 American are not medically insured. Unlike many other states, there is no one particular...more
Accessing cheap and affordable health insurance Florida is much easier than it may seem. There are many ways to cut down the premium and if a resident in Florida chooses carefully, he is sure to purchase a plan that is cheap and yet offers maximum...more
Many are afraid of what is coming down the pike in the area of health insurance coverage. While many are hopeful that a Nationalized Health Insurance plan will be the answer to their prayers many others fear that employer based health care options...more
Short term health insurance can help cover you at periods of time when you might otherwise not be covered by a health insurance plan. Mostly this will occur when you are between jobs or if you retire early. Some students run into this problem when...more