Author Box
Articles Categories
All Categories
Articles Resources

How to Obtain a Good Health Insurance Plan

June 02, 2012 | Comments: 0 | Views: 178

If it is peace of mind that you seek along with the appropriate security against risks like being confronted with disastrous financial obligations during accidents and illnesses, health insurance is the answer. Millions of Americans in the U.S. come without health insurance covers and consequently thousands go bankrupt annually as caused by those incapacitated to pay medical bills. Although the issue on health care and who should come responsible for securing it is a never-ending debate you can still make the most out of it by getting the right policy for insurance.

Insurance Plan for the Employed and for Those in the US

You will find some Western places with nationally sponsored health care system guaranteeing the basic level healthcare for every resident. Running these systems however can be pricey thus calling for the government to impose high taxes in order to fund such system. At most times you will find backlogs and waiting lists building up for a significant time due to the inadequate amount of resources dealing with long term illnesses. The system in the U.S. can be unique even when there is recent legislation for the changing of the system into a similar one as with other countries. Being without a nationalized system makes it a need for all to get your own good health insurance privately.

For it to be considered good health insurance most people look into an employer scheme particularly with savings plan combined thus allowing the individual to take advantage of tax exemptions come retirement time. Putting away your money every month for pension plan while keeping it within the system until retirement affords you to avail of the government implemented privilege of removing the lump sum, tax free. Advantages for this come in several forms due to the fact that lump sum can go cover more than just your medical bills. Lesser insurance and payment for lower premiums can be possible if you underwrite this.

Why Only the Basic Health Care from the Government?

Being without an employment insurance plan can be due to either non-employment or because your employer sees no benefits out of giving one however you can still personally secure a good health insurance. For the need of basic cover, most people would find it affordable and there has been the introduction of a new legislation attempting for accessibility to all. What people would expect from this however is that prices will rise for many people who can afford their own insurance because there is no government benefit which is ultimately free.

Predicting the positive feedback for this insurance is still not possible however the government can't possibly afford giving the people more than the basic health care. There exists that huge budget deficit that only with the government's move to raise taxes and levies on medical supplies and equipment that it can be remedied. Only a good health insurance under the system of the state covering for emergencies and serious health conditions would be able to help reduce several preventable deaths for those uninsured taking place annually.

Looking for Lower Cost Health Insurance Quotes

Several private companies come with the offer or deals of good health insurance and this includes well-known household names and independent ones. To look for insurance quotes but be without the idea of the cost worth paying for, try to begin your search with larger companies. The end result would be getting the price which could be almost the average in the industry giving you an ideal point of reference. Being with special needs and medical conditions should move you to look into the offers of smaller independent providers being ones with the lower prices, most definitely.

Looking for the best health insurance rates for your family? You can find several online health insurance plan on the internet that would suit you best.

Source: EzineArticles
Was this Helpful ?

Rate this Article

Article Tags:

Health Insurance


Good Health Insurance


Health Insurance Plan


Health Care


Insurance Rates

Auto insurance is probably one of the most expensive insurance types in Canada. An average car insurance policy in Canada costs approximately $1,200 per year and in Ontario, the largest Canadian

By: Alex Saltykov l Insurance > Car Auto l July 09, 2013 lViews: 553

Your house is often your largest investment that you need to protect via insurance. We created a list of multiple savings tips related to Home insurance and hope that these will help you to save a

By: Alex Saltykov l Insurance > Home Owners Renters l December 27, 2012 lViews: 380

Most auto insurance companies design specific car insurance policies for classic and antique cars. If you think you have a classic car and want classic car insurance, you will need to be sure that

By: Richard l Insurance > Car Auto l October 17, 2012 lViews: 570

Business Overhead Expense Insurance Plans can provide cash flow to the business in the event of a disability to a key employee or owner. For a small, growing company it might make the difference

By: T. Spencer White l Insurance > Disability l July 17, 2012 lViews: 243

Workers compensation costs are rising. According to a recent report by the Workers Compensation Research Institute (WCRI), indemnity costs per claim (the loss of earning capacity, payments for lost

By: Kelly C. Williams l Insurance > Workers Compensation l July 08, 2012 lViews: 221

One of the most helpful government programs out there is the SSI Disability program. A person that is legitimately disabled, and cannot work to provide an income for themselves for their family

By: Oleg Winter-Burnett l Insurance > Disability l July 04, 2012 lViews: 282

Once you approach 65, you will be entitled to Medicare, but that does not mean that you will certainly be completely protected in case something happen to you. Lots of people make that error and they

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 170

Plenty of people assume that when you approach the magic age of 65, everything will be easy. You will receive an impressive huge check from Social Security and all of your medical treatment

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 172

Once you turn 65, you will find that it is important to start researching a Medicare Part D plan. While this is part of the Medicare program, in several ways it is absolutely different as the only

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 173

Once you turn 65, you will have a loads of paperwork to accomplish. You might be retiring from your employment, and you may also need to communicate with Social Security who will start mailing you

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 171

If you know somebody who has stayed inside the medical center for an extended period of time, you must inquire them what their expense was. They may perhaps tell you several unbelievable numbers that

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 179

When you begin to get close to the age of 65, you may be unhappy about your growing years, but there are some good benefits waiting for you. You have been working your entire lifetime in order to get

By: Roderick F McGoughl Insurance > Healthl June 05, 2012 lViews: 168

Choosing the right creative writing program could compensate for copywriting in businesses, although, it is a whole different course subject. By being successful in such a competitive industry you

By: Edward Josephl Writing & Speaking > Creative Writingl July 06, 2012 lViews: 221

Having a job is very important to a person, not only for his personal needs but also for personal development, and developing customer service skills will help in this personal development. The job

By: Edward Josephl Business > Customer Servicel June 13, 2012 lViews: 200

Getting the best health insurance quotes can be done through the internet. You will also have the chances to find the cheapest health coverage, with just the patience needed. This can be a better

By: Edward Josephl Insurance > Healthl June 02, 2012 lViews: 185

Since the vacation rental industry has an explosive boost and became a multi-billion dollar industry, many homes located near resorts and national park areas have been converted into vacation rentals

By: Edward Josephl Travel & Leisure > Vacation Rentalsl April 13, 2012 lViews: 152

Technical writing is something that can get you somewhere in the world of literature. And with today's vast opportunities that are offered online, knowing the ways of technical writing can bring you

By: Edward Josephl Writing & Speaking > Technical Writingl April 13, 2012 lViews: 177

Most of us when we graduate from college start to get lost what job to take. Worse, we cannot find jobs that suit our qualifications and our bachelor's course.

By: Edward Josephl Reference & Education > Online Educationl April 13, 2012 lViews: 105

Discuss this Article

comments powered by Disqus