Health Insurance Comparisons

Article by Omar R. Guaba Nu

Article by Ray Sandeo

The recent debate about healthcare reform has included an unexpected voice in a growing group of those without health insurance – young Americans. The number of young adults in the 18-29 age group without health insurance is growing. These include young adults who don’t have insurance due to unemployment or restrictive way times for insurance from employers. short term health insurance can be a great way for these young Americans to protect against high medical costs.Being in college, working in unpaid internships or even being employed as a contract worker can result in a lack of available healthcare options for many young people. Short term insurance is often the safest way to guarantee medical coverage in case of emergency.Depending on the plan, traditional insurance offerings vary in the costs and fees associated with them. Employer-sponsored plans are typically paid for on a monthly basis, and the cost is deducted directly from the insured person’s paycheck.Individual plans are available for those who are not employed; however, these are often quite expensive and more limited in coverage available. As a result, these can be an expensive option for a student struggling with bills.A Short term insurance plan can be a great alternative to the expensive premiums and high deductibles found in individual plans. Short term plans are typically purchased for a shorter periods of time and don’t require an employer for sponsorship. The costs are paid for exclusively by the insured person; however, they are often lower than paying for a traditional long-term health insurance plan.Young people should realize that health insurance coverage is just as important for them as is it is for their parents. short term health insurance is an effective way to manage health costs and medical care, whether someone has been injured in an accident or illness.Research several different companies offering short term health insurance plans to find the one that offers the most financially beneficial plan for your needs. It’s important to ask about a plan’s costs, including any limitations and restrictions that may be included.If you become injured a sick, understanding a short term health insurance plan ahead of time can save time and money down the road. Insuring a healthy and happy future is an important consideration when protecting one’s self.

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Question by Min Sevillano: Is there a best but cheap health insurance for unemployed?
I am about to quit my job and move out of state. I want to get health insurance temporarily until I find a new job. I’ve tried doing research online, but can’t find anything useful. What is a best, but good health insurance plan I can go on temporarily?

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Although I believe that everybody should have access to medical coverage, I noticed that in the specifics, it stipulates that the uninsured will be subject to a 2.5% tax on their income as a penalty for not having health insurance. The unemployed are having a hard enough time paying their bills, many could never afford the added cost of health insurance.

My husband belongs to a labor union and is required to work a mininum number of hours every month to be eligible for health insurance. During the winter months we often find ourselves without health insurance because his job is primarily seasonal. That hasn’t been a problem, we just schedule our annual check-ups during the months that he is working. We have had one emergency arise in the past 8 years that required a visit to the emergency room when he was uninsured. We happily paid for this bill, yes it was expensive, but no where near what it would have cost for us to carry private insurance or pay for COBRA over the course of 8 years.

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So I am running low on my contact lenses which I was able to get filled just before the year ran out at my eye doctor and (I didn’t need to get an updated prescription at that point). However, since then I have lost my job and in turn have no health insurance. I don’t have enough money to get insurance and I also don’t have enough money at the moment (rent/food/utilities/student loans/car insurance/etc) to pay for a visit to the doctor and also pay for the lenses and fees and air and whatever other charges they are going to charge me.

Unfortunately I owe a lot of people money already because of recent car trouble and other doctors visits.
I’m a mess! And soon I will be blind!

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If employers pay into the health program to defray the cost for the individual, and the individual needs to supply their own health insurance, what happens to people that lose their jobs temporarily? What happens if you have a condition that is pre-existing? Now employers of large organizations accept pre-existing conditions. Canadian citizens complain of their health care system. Will we end up dealing with the same problems?

If fined, how will I pay that? Will they just go into my bank account and take whatever is there?
with this forced health insurance, will I still be able to see my doctor as usual? Will doctors get the same pay?

My mother is 55 and unemployed. She does not have a disability. She has several pre-existing conditions. I don’t think she is going to find a job any time soon. She has about $20k saved, but she is going through it quickly because of living costs and medical expenses. I predict she’ll have nothing in 18 months to 2 years. She was recently on Adult Basic’s waiting list for low-cost insurance, but the costs have been raised and she can no longer afford it. Currently she has no insurance, which is dangerous for her and my family. I haven’t found many answers for what to do for her. Any thoughts?

Thank you.