When President Obama’s health care bill was signed into law it was celebrated as a victory for the 32 million uninsured individuals in the United States. And while political views and opinions vary greatly on this hot button issue, one thing we know for sure is that the law will not go into effect for another 4 years. That’s right! Government health insurance for individuals will not begin until 2014.
This means that uninsured individuals must continue to purchase health insurance at high rates. As you may know, one of the justifications for the new law was that health insurance premiums are notoriously mercurial and that they can fluctuate wildly from year to year, even from month to month.
Then there is the shameful practice of denying people with pre-existing conditions that many health insurance companies employ. The new law will punish these businesses in an attempt to make insurance affordable health insurance.
But what do the uninsured do in the interim? In the rest of this article we are going to focus our attention on affordable health insurance quotes.
Believe it or not, it is not only the unemployed that are under or uninsured. About 60 percent of American citizens purchase or receive health insurance for individuals through their employers. The remainder purchase health insurance for self-employed.
This can be a difficult and confusing process for millions of small business owners. Because insurance plans are subject to almost no regulation, at least not yet, employers are often forced to switch plans because of high deductible health insurance. They might be with Blue cross blue shield one year, and a new provider the next.
This annual process of searching and comparing quotes from the thousands of different private insurance companies would be nearly impossible without the help of the internet. Of course, it is true that health insurance for individuals has gone up over the past decade. But with online research it is possible to find good deals.
Where to start? Quotes for health insurance for individuals are readily available online. But before you even start comparison shopping, it is important to know what kind of plan you want. What do you want covered? If you are shopping for a new plan for your employees, make sure it provides the same coverage as the previous plan.
We cannot stress this enough. Since most employees consider health insurance for individuals as a part of their salary, downgrading to an inferior plan is akin to a pay cut. It is not at all uncommon for employees to quit in protest when a health plan is downgraded.
If you are currently enrolled in college, health care for students is often quite good and fairly affordable. Institutions of higher learning make deals with large insurance companies to provide reliable care for their students at competitive rates.