Individual Health Insurance
There are many insurance companies that offer individual health insurance to individuals. The regulations vary from state to state for individual health insurance so you can do a search on the internet to compare quotes for your state. Www.ehealthinsurance.com is a good place to get quote comparisons from different health insurance companies. There is a significant discount if you are buying health insurance through a group plan. If you are buying health insurance on your own just for yourself, the cost can be very expensive. That is the reason many people do not have health insurance. Many companies do not offer their employees health insurance so if they want to get it they have to do it on their own. The companies that offer health insurance to their employees usually pay the premiums for their employees or at least a percentage of the insurance for their employees. Group health insurance offers a substantial discount over the individually purchased health insurance.
If you are an individual and are buying your health insurance through your place of employment, you will get a discount because it will be through a group plan whereas the individual who purchases the insurance by themselves independently from the health insurance company, they will pay more for premiums. There are millions of people who do not have health insurance and do not get hlp from the government programs for health costs because they do not qualify. These people have to suffer if they get sick because they cannot afford insurance, they can not afford doctor or hospital bills, or for medications. It all boils down to having money just like every other phase in ones life. If you have money you can get it, if you don’t have money, tough luck! Some people can not get health insurance because of pre-existing health problems.
If you try to get health insurance as an individual and not in a group plan, you may have to pay as much as 50% more on your premiums than you would if you were in a group plan. There are group plans available for the self-employed today too so for some it is possible for them to have health insurance at group rates. For others the premiums are still too high for the individual to afford the health insurance. There are many health plans to choose from and the needs will vary for everyone. Some people need health insurance for just themselves where others need a family plan. Still others may need the added maternity benefits while others don’t. The cost of the health insurance also depends on the deductible you want, the co-payment (if any is required), and what percentage the company pays of the medical bills.
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