One of the biggest reasons for debt in the US is the huge cost of medical bills. It figures then that many people in the US are also without any health coverage.
Most people can get health insurance through their employers, but if you are self-employed or work at a company that offers no health plan, then it becomes quite tough to find affordable insurance.
I used to be self-employed myself several years ago, and so I know how expensive health insurance is to get on your own. Even the simplest of coverage costs thousands of dollars each year. Frankly I had to eventually give it up, because with the little income I was taking in, I just couldn’t afford it. Believe me, that’s a scary feeling not being insured.
Now that I am employed, I am insured through work. Even there isn’t all that cheap, and the rates keep going up. Plus my co-payment went from $10 to $20 this year, a 100% increase. But still I’m glad to have the insurance; it’s still cheaper than getting it on my own.
But if you aren’t lucky enough to get insured through your employer, then you need to look elsewhere. But there are ways to find some affordable health insurance, and the best way I think is through the internet.
A couple of sites to check are http://www.healthinsurancesavings.com or http://www.self-employed-health-care.com. They both require you to enter a zip code, so they can show you the best choices in your location.
There are other similar sites you can browse through to find information. But be aware that you may have to divulge personal data about yourself to these sites. Some people aren’t comfortable with doing that, especially over the internet.
If you aren’t comfortable giving such personal information away, you can call the contacts at these sites and speak directly with them, and perhaps you can set up interviews with various providers. All this may sound like a burden and imposition, but you have to do what you have to do if you want affordable health insurance for you and your family.
Being insured, especially if you have a family, is very important in today’s world. So please take it upon yourself to do some research, and find the best health insurance you can afford.
By: Jim Konerko
Posts Tagged ‘Health Plan’
Finding Affordable Health Insurance
April 20th, 2010Male Specific Health Insurance
April 14th, 2010
It is widely known that women outlive men and more female babies survive than male. Nowadays men live an average of 5 years less than women, which is 4 years more than it was almost a hundred years ago. Why is this the case and how can men correct this problem? Some of the reasons are rooted in the way men take care of themselves in general and how they approach purchasing health insurance. Other reasons are simply because of how men don’t take care of themselves physically and when selecting or even purchasing health insurance policies.
Most men don’t even bother with health insurance, nor do they even consider looking for it. More and more women are purchasing health insurance for their spouses, but what about all the single men out there? If you obtain a quote for a man’s health insurance, it will usually be higher than that for women. Men don’t just slack off on the health insurance coverage, they don’t seek medical help even if they do have medical insurance. Getting a good health insurance policy is one of the few steps to a healthier and longer life.
A man’s health is not just important to him, but to his offspring and to his spouse. If you die, what will happen to your wife and kids? Health insurance and life insurance for men go hand in hand sometimes, and you should get both. Since the men tend to bring home the bread more, or earn more income, it is important that men have a decent health insurance plan to cover them and probably their family for when things go wrong. Being covered not only physically but financially by a good health plan will reduce the risk of death for not only you but for your entire family. It would be wise to obtain health insurance early on or just finding the best plans available on the market today.
Health insurance becomes more important for men as they age, as this is usually when more and more health problems and risks arise. Widows are left with expensive medical bills and post postmortem expenses after their husbands die from easily preventable diseases and complications. With health insurance men are more inclined to see the doctor and are better cared for by health professionals since necessary tests are covered. Guys wouldn’t bother with tests if they weren’t paid for and convenient for them, thus health plans will help them stay healthier.
Men leaving their wives in poverty is becoming more common as they die without life and health insurance, leaving their entire family to deal with the left over medical expenses. There are more elderly women than men in the United States and it seems to be getting worse while men don’t take care of themselves. Men need to get out there and find those popular health plans aimed specifically to males so you can be there for your wife and kids. For single guys this means living longer than your ex-girlfriends and your other friends!
By: Michael Bell
