Sunday, June 6, 2010

Affordable Health Insurance

Finding affordable health insurance is of major concern for most Americans.

With the economy in the tank, this year has not been good for those seeking a health insurance plan. In fact, for many uninsured, uninsurable and under insured individuals, it's quite a challenge to find affordable health insurance. If you work for a company that offers health insurance… then you may not have to worry about finding individual health care coverage. However, if you work part-time or if you are currently are without health coverage, then you may find yourself up against a real challenge.

We all have our own idea of affordable health insurance, yet many of us still can not secure essential coverage. Depending on your age, your health and your habits – you may end up paying more or less than someone else. Your neighbor may have gotten insurance from a certain company for what seems like an incredibly low cost. However, after checking with that same agency you find that your rate will be much higher. They've taken into consideration that you smoke and are a few years older than your neighbor and suddenly you get a quote that's twice what he's paying. Now this really doesn't seem fair.

Your best choice in finding affordable health insurance is to shop around. Don’t expect to check with the first insurance company and find a great deal. You’ll need to get at least three different quotes from different companies.

Depending on what you are expecting – a low deductible, low co-pay for doctor visits or prescription plans, you might find exactly what you're looking for if you are somewhat flexible. You may get a great price quote but your current doctor won't accept the plan. In this case, you would have to decide if you want to change your doctor or change to a different plan. It is little decisions like this that can have the biggest impact on your future health care cost.

Searching the internet is a great way to find and compare different health insurance choices. However, comparing various insurance companies and their health care offerings can be very confusing. Should you find an online site that allows you to compare various companies, then you may soon have several different individuals calling to give you health insurance quotes. They may have exactly what you need or they just end up harassing you until you finally speak with them. However, shopping around and getting the best quotes possible is still your top priority.

Another solution and perhaps your best may be to find a local insurance agent to discuss your situation. The agent can listen to your requirements then search several different insurance companies until they find a plan that fits your needs. Using a local agent and putting them to work for you may be a very wise decision in finding affordable health insurance.

No comments: