Here’s How to Shop For an Individual Health Insurance Policy in 2009 and 2010.
By: Health Insurance
Submitted: 2009-10-26 13:01:57 | Word Count: 563
While the 48 million uninsured Americans wait for congress and the president to enact health care reform, there is still an immediate need for insurance, regardless if more affordable health care policy options become available down the line. If you’re self employed, own your own business or don’t get health insurance from your employer, this can be a rather daunting task.
When you begin your quest to find a reasonably priced health insurance plan for your family, don’t try to go it alone. Instead, sit down with an independent insurance agent that can search across dozens of providers to find the most affordable policy for your family. Make sure that the insurance agent writes policies for multiple companies, insurance agents that are “captive” to one company will likely not find you any sort of deal since they are much more limited to the policies that they can write. An independent insurance agent will search through their proprietary industry databases of different insurers that they can write for and find you a good deal.
[ advertisement ]
It’s also important to search online while shopping for a policy. Although an independent insurance agent will likely be able to search through most of the options available to you and your family and some that you won’t be able to find on your own, it’s important to cover all your bases. There are a number of health insurance quote engines online such as EasyToInsureME which will provide quotes from a number of different providers for you and your family.
If you are younger and are relatively good health, you can consider a health savings account that is paired with a high-deductible health plan. With these policies, you will pay 100% of the cost for the first $5,000 or $10,000 and then the policy will pay for any of your expenses after that amount. These policies also let you open up a health savings account, which allow you to save money for medical expenses tax-free.
If you are a Sam’s club member, you have a number of different health insurance options as well. Sam’s has partnered with ExtendHealth to provide affordable coverage to their members and their families. They offer a number of different policies available to Sam’s Club PLUS members, and the prices that they offer are often as much as 25% cheaper than what you might find on the open market, so definitely do some research to see if paying for a Sam’s Club membership will allow you to get an affordable health insurance policy. You can view Sam’s Club’s offerings on their website.
However you find a health insurance policy, it’s important to have one. Some say that they can’t afford to pay for health insurance; the reality is you can’t afford to go without it. If you wind up with a major medical issue while you’re uninsured, you could be easily bankrupted by the high cost of health care.
Author Resource:-
EasyToInsureME.com offers clients the easiest way to buy individual health insurance. Free services include instant online health insurance quotes, custom proposals for each client, free phone consultation, and 10-minute application by phone. Nobody does what we do for our clients!
