Right now, it’s easy to find affordable health insurance quotes. In fact, if you don’t have health insurance now, you might want to seriously consider biting the bullet and getting it. Why? Because in 2014, if health care reform does come to pass, you will be mandated to get health insurance or pay a fine for not having it. That means if you look for insurance now, your rates will be better than in 2014. That’s because in 2014, with health care reform in place, the price of health insurance will be higher than it is right now.
It will be higher, because health care reform has told the insurance companies that they must assume more of the responsibility for providing decent coverage to their customers. In other words, they’ve been told to assume an 80 percent loss ratio. In order for the insurance companies to break even in later years with an 80 percent loss ratio, they will have to increase premiums. Act now and avoid an even worse scenario later.
To learn more and get a health insurance quote, visit https://www.benepath.com
If you’re asking yourself this question, then you did not get what you want. However, having said that, there is a difference between what you want and what you need. Shoot for what you need first and leave the wants until later, particularly if you are on a budget. It only makes good sense for you to first sort out what you actually need to cover you. In fact, before you start looking for affordable health insurance, write out a list of what you NEED.
Once you have found what you need, and have some wiggle room in your budget, then start pricing out other things you WANT included in your coverage. You will be very pleasantly surprised to find that adding in those extras isn’t always as expensive as you may think.
To learn more and get a health insurance quote, visit https://www.benepath.com
So, where is health care reform going to go for the future? The mid-terms shook the House up somewhat and that will open the door to more questions than provide answers. Will everything get passed or will it be changed yet again to appease voters? Will voters like what they get THIS time, if it’s changed?
The interesting thing here is that every American knows that the health care system NEEDS to be changed, but when change is coming, then they don’t want it anymore, particularly if it will cost them money. Unfortunately, if change is to be implemented, it MAY just cost people money to make the changes they want. You can’t have it both ways.
To learn more and get a health insurance quote, visit https://www.benepath.com
While you might wonder why you are paying what you do for health insurance, the bottom line is that you are paying the price to stay healthy. In addition though, you are also paying a price for the insurance company to take the risk of insuring you. Call it a gamble if you will that you won’t break the bank and have too many claims.
So, while you do get coverage for your health issues, you are also paying part of your premium for that insurance company to stay in business. In business the bottom line is money – money to keep operating. If the insurance company has to assume other risks as well, you can bet your premiums will go up. This may be what will happen with mandated health insurance coverage in 2014. Keep your ear to the ground for the changing health insurance trends and the differences in pricing in response to the markets.
To learn more and get a health insurance quote, visit https://www.benepath.com
If you don’t know the difference between a health insurance plan and a medical discount plan, now is the time to learn. Health insurance plans take care of claims you make for medical services provided. In other words, they pay out money to pay for your medical bills.
Medical discount plans are just that – a medical discount for a service provided. They do not pay out anything to cover your expenses and in fact, you usually pay a fee to have the plan and then more money after you get your discount. Think carefully about what you buy. Your health may depend on it.
To learn more and get a health insurance quote, visit https://www.benepath.com
Health insurance pricing is currently very affordable. There is a certain amount of competition going on with insurance companies and they’re able to offer consumers some fairly decent deals. However, with the insurance market changing over the next few years – largely in response to health care reform – the “deals” will no longer be deals.
The prices may be higher because insurance companies are expected to have to assume a greater burden for insuring people and in the process, they will pass their costs down to consumers. While an initial insurance policy may be attractively priced for the first year, to attract business, chances are the price will go up once the first year is completed. Be aware this may happen and to avoid it, you might want to start looking for health insurance now and not wait.
To learn more and get a health insurance quote, visit https://www.benepath.com
Ever wonder just what health insurance actually insures? Join the crowd. Many people think that just because they never use their health insurance, they are paying something for nothing. That is not true. You are paying for wellness; the protection of knowing that if you are badly injured or ill, your health insurance will step in and help you cover the cost of being down and out.
Without health insurance you have no choices other than try and handle an enormous medical bill. With health insurance you not only get wellness protection, you get coverage for the times when you really need it. It’s not paying something for nothing, it’s hedging your bets and being smart.
To learn more and get a health insurance quote, visit https://www.benepath.com
With mid-term elections just around the corner, it’s interesting to speculate what will happen if the face of the current administration changes. The major question on most people’s minds is what will happen to health care reform is the government changes? This is a good question, and some pundits seem to think that it may be repealed.
Health care reform is a hot button issue and no matter what people think and feel, there is always another side to the coin. The main thing to remember is that no matter what happens, the health care system we have today NEEDS to be reformed, because the costs are out of control. How this is achieved is a good question. Whether it will be achieved with a change of government is an even better question. It is something to think about, anyway.
To learn more and get a health insurance quote, visit https://www.benepath.com
As a consumer of health care services in the U.S., you will know that without a health insurance plan in place, you’re going to be paying out a large chunk of change. With a health insurance plan, that’s a different scenario; one you can manage financially. So, you might wonder why you are paying what you do for health insurance coverage.
You’re paying the prices you do for health insurance plans, because selling insurance is a business and a business needs to make money to stay in business. It’s that simple. The insurance company is taking a gamble on you and your health and you are paying them to cover you when you are sick. If you get sick a lot, they lose money on you. If you don’t get sick a lot, they may make money on you.
While it’s not QUITE that simple, because external market factors need to be thrown into the mix, the bottom line is that THEIR bottom line is to make money. Period. In other words, they offer you the service of keeping you well and taking the risk that you will participate in staying healthy.
To learn more and get a health insurance quote, visit https://www.benepath.com
While no one wants expensive health insurance, they do realize they need insurance of some kind if they are to be protected. With the advent of health care reform, this issue just took on new meaning. If health care reform does come to pass and the mandated provisions for health insurance do kick in, what will the costs be?
If you listen to what the insurance companies are telling us, the costs for health insurance will soar because all of the liability is being put back on the insurance company to offer better health care. If the insurance companies have to assume more risks insuring people, you can bet they will raise the prices. If mandated health insurance happens, how expensive will your policies be? And, are you willing to forego a policy and pay a fine instead?
To learn more and get a health insurance quote, visit https://www.benepath.com
