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Health insurance quotes now are reasonable, but what about the future?

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.

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Posted on Tuesday, December 28th, 2010. Filed under Health Insurance.

Knowing If Your Health Insurance Is What You Want

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

Posted on Wednesday, December 15th, 2010. Filed under Health Insurance.

Health Care Reform Is The Hot Button Of The Century

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

Posted on Wednesday, December 1st, 2010. Filed under Health Insurance.