Individual or Family Health Insurance Options
As more and more individuals working at home with or without families find themselves without some kind of group health insurance. Sometimes even working at a job, no health insurance is even offered.
Thousands of hard-working people in every state are making dangerous choices: No health insurance at all! They believe they are too young or too healthy. They believe they "save a little or a lot of money" and can do without.
Consider your friends, family and neighbors ? people who may have been sick or injured. The fact is, even healthy people may end up with a serious medical condition that can be extremely costly to treat.
Now you can consider how much of a terrible ordeal would be without some kind of quality health insurance to pay for thousands of dollars in doctor fees or hospital bills!
When you really think of it and ask yourself this question ? "Can I afford health insurance?" and more importantly: "Can I afford to be without it?"
You have to determine whether you are young if I really need the insurance. There are other types of insurance that gives you a discount on all your doctor and hospital bills.
Health insurance is not cheap but if you are over 35 years old, you probably should rethink whether you need individual or family health insurance coverage or is the discounted health insurance really right for you. One illness can put you in debt.
If you are an individual you might pay $400 getting the insurance privately but if you have a family you may pay $700+ each month just for an HMO. Can you afford that? Otherwise try and consider getting a job that pays for some of the insurance even if the salary is slightly less.
Insurance rates have gone sky high and it looks like there is no end to it. Just one incident can devastate your whole life savings.
If you are a single parent with a child, you will wind up paying the family rate which is unfair. If you are a college student, check with a college to see what their health insurance may cover. Otherwise, there are insurance companies that offer health insurance for college students.
This is not legal advice or any type of advice for you to get insurance or not. You need to research whether or not you can afford to be with or without the insurance.
Fern Kuhn, RN
http://www.anxietydisorernews.info
http://www.diabetestestingcenter.com
Copyright
2005
You may reprint this article as long as you keep the links active
|
|
|
|
|
|
|
5 Strategies To Reduce Your Car Insurance Premiums
Your latest car insurance bill has arrived and it is... Read More
Filing Homeowners Insurance Claim Forms: What Steps to Take
Filing a homeowners insurance claim can be done with ease... Read More
Health and Dental Insurance Quotes - Applying Online
Since 2001, large health and dental insurance companies such as... Read More
Insurance in Northern Ireland: Historic Difficulties
No doubt most readers will have heard of the Northern... Read More
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising... Read More
Life Insurance Leads, Insurance Leads, and the Online Lead Generation Business
I've long wanted to write an article about Internet Leads... Read More
Alternate Risk Transfer (ART) - Insurance Strategies
Risk ManagementAlternate Risk Transfer is a fancy way of saying... Read More
Health Savings Account (HSA): How Do I Invest It?
The Health Savings Account (HSA) is an amazing tool that... Read More
CarInsurance.com Is Available At All Dealerships With Internet Access!
You are ready to buy your first car. Researching the... Read More
How Do I Lower My Auto Insurance Premiums?
It seems as though the price of everything is on... Read More
Term Life - Who Needs It?
If you've read any of the books or articles by... Read More
How Much Can My Auto Rate Increase After One Accident?
Accidents almost always make your insurance rates increase. Whether or... Read More
Insurance: A Necessity for Peace of Mind
There are many choices for insurance. Insurance is a policy... Read More
The Immorality of Guarantee Issue Health Insurance
While there are genuine debates about whether privatized health insurance... Read More
Finding Term Life Insurance Online
What exactly is Term Life Insurance?Term life is a form... Read More
Why Do You Need Homeowners Insurance?
The biggest single investment most people make in their lifetime... Read More
Credit Card Insurance
A word of warning about Credit card repayment protection schemesThe... Read More
How Much Car Insurance Should You Buy?
Car insurance is one of the most dreaded chunks in... Read More
The Life Insurance Policy and What You Need to Know Before You Buy
Are you looking to buy a life insurance policy? Well,... Read More
Filing An Insurance Claim
Everything seemed pretty simple when you purchased that insurance policy.... Read More
Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life... Read More
Affordable Health Insurance - Health Insurance For The Self Employed
One of the things that is important to consider when... Read More
Used Car Insurance
Every state requires that drivers carry liability insurance. The liability... Read More
House Insurance - Forcible and Violent Entry
Forcible and violent entry (f&ve) is the terminology used within... Read More
Whole Life Insurance - Whole Life Insurance Information
The original purpose of life insurance was to provide for... Read More
An Introduction to UK Home Insurance
Unlike motor cover, home insurance is not a legal requirement... Read More
Who Else Wants to Understand Travel Insurance Policy Language?
Aren't all travel insurance plans basically the same?No. When you... Read More
Are You Sure That Heirloom Oriental Rug From Your Aunt Hilda Is Really Insured?
Gone are the days of the cinder block and wood... Read More
Apply Online for Temporary Health Insurance
There are times when you'll find yourself temporarily without health... Read More
MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?
The Medical Savings Account (MSA) is an older form of... Read More
Homeowners Insurance Coverage
When deciding on the appropriate amount of homeowner's insurance coverage... Read More
Life Insurance, the Universe, and Everything
You may have noticed that life insurance is coming back... Read More
Homeowners Insurance at a Glance
At first glance, homeowners insurance may seem perplexing and quite... Read More
Can I Really Get Life Insurance, No Exam Required?
Changing the way that life insurance is bought and sold... Read More
Six Ways to Cut the Cost of Your Auto Insurance
Is your auto insurance bill $12000 a year or even... Read More
Guide to Life Insurance
Here is a useful guide to life insurance. Simply put,... Read More
Types of Auto Insurance Coverage Explained
A question you might ask yourself is: why must we... Read More
Discount Auto Insurance - Keep Your Hard-Earned Money
Finding discount auto insurance is so easy when you do... Read More
Indemnity Insurance For Landlords
As a property owner it is essential to protect yourself... Read More
Your Cars After-impact Diminished Value
The(ACV)Actual Cash Value Policy DOES NOT insure the property itself... Read More
Home Insurance: Premium Protection In Case Mishap Takes A Rain Check
My whinstone house my castle is, I have my own... Read More
High Risk Auto Insurance - How to Lower Rates
How is your driving record lately? Do you have a... Read More
Insurance Providers Weather the Storm While Consumers Flounder
We have just had the first year's anniversary of the... Read More
New Jersey Car Insurance - What Do You Need To Know About It?
When purchasing New Jersey car insurance there are many decisions... Read More
Finding Fast Life Insurance
Since the widespread growth of internet usage and database building... Read More
Protecting Your Expatriate Family
If you and your family relocate overseas, one of your... Read More
Taking The Mystery Out Of Long-Term Care Insurance
Here's the good news: with improvements in medical technology and... Read More
Long Term Care Insurance - Low Cost Alternatives For Budget Conscious Seniors!
With Nursing home Cost's running $4,000 to $6,000 a month... Read More
California Catering Truck Insurance
Catering truck insuranceNot many agents/brokers write catering truck insurance as... Read More
Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim
Here's some "Inside-Info" you must know so you won't be... Read More
Private Medical Insurance- Finding The Right Policy for You
Why Private Medical Insurance Is Becoming So PopularRecent research indicates... Read More
Talking to Your Parents About Insurance
Who can you talk to about auto insurance? Insurance agents... Read More
A Few Things Everyone Should Know About Disability
Did you know? One year of disability can wipe out... Read More
Term Life And Whole Life Insurance
Which type of policy is best for you, term or... Read More
Canadian Funeral Insurance: Our Final Gift to Those We Love
Most of us don't like thinking about our own funerals,... Read More
Choosing Affordable Health Insurance For Children
In most cases, private health insurance comes through a person's... Read More
Young Driver Car Insurance
It has become increasingly difficult to get young driver car... Read More
Underwriting Life Insurance For Diabetics and Diabetic Life Insurance Information
Life Insurance Companies differ in their "underwriting philosophy" when it... Read More
Why Should You Purchase Your Auto Insurance Online?
If you're interested in slashing your auto insurance bill in... Read More
Health Savings Account (HSA): How Do I Invest It?
The Health Savings Account (HSA) is an amazing tool that... Read More
What is Consumer-Driven Healthcare?
Consumer-driven healthcare is a label that we've put on a... Read More
How to Match the Right Insurance Policy to the 4 Stages of Life
As we go through life our needs change. A Young... Read More
Poor call centre performances driving motorists online for insurance
In their efforts to cut costs more and more finance... Read More
Flat Insurance in the UK
What are the factors involved in flat insurance? Do I... Read More
Basic Coverage of Homeowner Insurance Policies
The insurance policy is a package that includes more than... Read More
Student Health Insurance - Is It Necessary?
As a young, healthy college student, it might be tempting... Read More
Insurance |