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 Affordable Individual Health Insurance 

If you do not receive health insurance through an employer-sponsored plan or a government program, individual health insurance is the way to go. Individual health insurance is appropriate for those whose employers do not offer a plan, as well as those who are self employed. Buying individual health insurance can be a confusing process, but with the right guidance, you will be able to select the individual health insurance plan right for you. This website will help you compare several individual health insurance quotes at the same time.

Health insurance for individuals is generally more expensive than a group plan. This is due to several factors. Health insurance companies base their rates on risk pools. A large group, such as a corporation, serves as a large risk pool. Health insurance providers earn their profits when the majority of the pool’s population is healthy and paying premiums. Their premiums go towards paying claims for the handful of sick individuals. The cost of those medical claims is then spread across all of the policyholders; the greater the number of policyholders, the lower each individual health insurance premium becomes. Large groups are also able to buy health insurance in bulk, reducing individual healthcare costs.

On the other hand, those buying personal health insurance do not have that buying clout. As a result, medical services like doctor’s visits and hospital stays may be charged to an individual health insurance plan at a higher rate. In addition, when individuals enter the health insurance market, they are part of a far smaller pool. Since the expense of their claims cannot be spread among as large a population, more of the cost is passed onto the holder of individual health insurance policies. Of course, your health is a significant factor when calculating an individual health insurance quote. Unhealthy habits could lead to you being seen as higher-risk and receiving rate adjustments. Low cost individual health insurance will be harder to find if you are significantly overweight or a smoker, for example. Premiums also vary between states and zip codes.

Individual health insurance plans also tend to have stricter underwriting standards. Pre-existing conditions have the potential to wreak havoc on your access to individual health insurance. Chronic conditions that would most likely slide by in an employer’s group plan, such as arthritis or diabetes, may be enough for some risk-averse individual health insurance providers to deny coverage. Other health insurance companies may be willing to provide you with individual health insurance coverage with a rider that excludes that particular pre-existing condition, reducing the value of the plan. Nobody should delay buying individual health insurance until they develop a chronic illness or condition. Health insurance companies use riders to discourage the practice, as it eats into their profits; more importantly, going without affordable individual health insurance may result in worse health in the long run.

Many different types of affordable individual health insurance are available. US Benefit Solutions can help you find and choose the best individual health insurance for your needs and budget.


Affordable Family Health Insurance

Your family is important to you, so you want to keep them healthy as long as possible. Family health insurance is one of the best ways to take care of their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

There are a variety of family health insurance plans. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs; most preventative care must be paid out-of-pocket. However, it may be suitable if any of your family members are attached to a particular physician or specialist not included in a managed plan network. You need to take your family’s health and needs into account, as well as your own, when choosing affordable family health insurance.

Many variables affect the cost and availability of family health insurance. Some family health insurance plans are less likely than others to accept certain pre-existing conditions, for example. If one of your family members has one of those conditions, one of three scenarios will take place: family health insurance will be offered to the entire group, but at a more expensive rate; that family member in particular will be denied by the health insurance company; or the entire family will be declined. Being rejected by one family health insurance provider may result in an increased chance of rejection from other family health insurance companies. It could also cause your premiums to increase, making affordable family health insurance harder to find.

US Benefit Solutions is here to find the best family health insurance solution for you and your family. Maybe having several members sign up with a different family health insurance carrier than the others is the right decision for you; or maybe having everybody under the same family health insurance policy is ideal. We can help you compare all of your options, and give you several family health insurance quotes from trusted companies.

 


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