There are many people who don’t have health insurance today. Reasons range from not being able to afford it to not believing you’ll need it. Whatever reason you have for not being insured, you should think again about comparing individual health insurance quotes.
You Eventually Be Forced into a Government Plan or Pay
Recent legislation will change health care in America by 2014. The new bill that was just passed says everyone will have access to quality health care at an affordable cost. This is great news if you received individual health insurance quotes in the past and thought they were too expensive. However, if you decide not to get insurance after the bill takes effect, you can be fined annually for not having insurance. What this means to many Americans, is that health care will cost you one way or another.
The government health insurance plans will be subsidized by the government. But we don’t know how much it will cost or how much coverage we will receive. To ensure you are getting the best insurance at the best price, you should be getting individual health insurance quotes to be able to make a fair comparison.
You Will Eventually Wish You Had Insurance
If your financial situation allows you to pay medical expenses out of pocket, this won’t be an issue for you. However, if you are like most people, paying major medical expenses out of pocket can be nearly impossible and can affect your financial future. No matter how healthy we are, an accident can happen at any time. If an unfortunate event occurs and you don’t have insurance, you can be looking at a hefty medical bill or receive inadequate care due to lack of insurance. By obtaining individual health insurance quotes, you may find that you can indeed afford a quality plan.
Not All Plans Are the Same
Individual health insurance quotes allow you to compare different plans from different providers. When researching health plans, there is more to compare than just price. Insurance plans have different levels of coverage, out of pocket maximums, co pays, and deductibles. You need to determine what type of plan fits your needs. A healthy person will require less doctor visits than someone with a medical condition that require multiple visits. If you someone who require multiple visits, you probably need to get individual health insurance quotes for plans with lower deductibles and co pays to minimize your out of pocket costs.
It’s So Easy
Gone are the days you need to go to an insurance office to get individual health insurance quotes. Anyone with access to the internet can get a quote by searching online for insurance providers. A simple search should yield results for many providers. You see familiar companies as well as some unfamiliar ones. Don’t limit your search to just the providers you know. You just fill out a simple form and they will provide you will a quote. There are many levels of coverage so you should get quotes for each level.
Individual health insurance quotes will help you determine if you can afford health coverage. With the new health bill about to take effect, you really should be starting your research to see where you can get the best plan. It’s best to have a plan that fits your needs than to be forced into a government plan, or worse yet, get fined for not having insurance.