Health Insurance Premiums Outrage
Health Insurance Premiums
Health insurance premiums have been outpacing almost every other rate in the country. It certainly has outpaced the rate of inflation.
Unless covered by an insurance provided by an employer, individuals have a hard time paying the bill themselves.
Additionally, so many people have lost their jobs in the past 2 years, it is even harder to afford the average health insurance price.
Faced with the options of buying food and paying your mortgage and paying health insurance premiums, the choice is obvious - your health insurance payment goes.
A very small percentage of those who lost jobs might be able to afford to carry their job-based coverage through the Consolidated Omnibus Budget Reconciliation Act, otherwise known as COBRA.
Others are left to fend for themselves and the choices are dismal. Most people need a health insurance guide about quotation, rates, deductible and discounts.
Even the government got involved in trying to tackle and fix this vexing problem
A comprehensive health insurance plan was passed by congress and signed into law by the president in 2010. However, this has had mixed reviews.
It has been dubbed “Obamacare” by some and labeled as a federal health insurance take over, while others hail it as a long-in-coming and welcome relief to the health care woes of this country.
While some like it, others do not. In any case, most of the central tenets of the bill will not kick in before the year 2014.
So what does a person do? If you have employer paid health insurance, you are fine. For everyone else, however, there is a problem.
If you are a private citizen seeking to buy your own health insurance, or if you are a small business person needing to provide affordable health insurance to yourself and your employees, what do you do?
The outrageous health insurance premiums are a problem alright. If you have a pre-existing condition, it’s even worse - then you are considered to be a very high risk by any health insurance company.
Many will refuse coverage outright, while others will charge such high premiums that would make it impossible to take it.
Health Savings Accounts or HSAS provide a noteworthy option.
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