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Health insurance rates vary, so ask lots of questions

You should ask what you would pay because what you see quoted on company websites, might not apply to you or your situation. In addition to that, if you shop around you may find a deal with other companies wanting the business and willing to adjust their premiums.

Remember that health insurance rates are quoted based on your health. If you have a health issue or two, let the insurance agent know. They would find out later anyway. With a pre-existing health condition you may find your category and rate will change. So, ask questions and talk to a local insurance agent to get the “real” scoop about what your health insurance is going to cost you.

To learn more and get a health insurance quote, visit

Posted on Thursday, June 21st, 2012. Filed under Health Insurance.

Health Insurance Quotes Will Be Impacted by Supreme Court Ruling

The Supreme Court ruling on health reform will have a lasting impact on what Americans pay for health insurance. The Affordable Care Act has multiple provisions that will directly impact the cost of insurance in both positive and negative ways:

Guaranteed Issue – We have already seen what has happened to the cost of individual health insurance in states where they eliminated underwriting like New York and New Jersey. They go up and their uninsured population expands. New Jersey has 12% of their population without coverage which is 25% higher than Pennsylvania – a neighboring state – in spite of New Jersey’s higher income and lower unemployment rates. Its because individual policies cost two times what they do in Pennsylvania.

Individual Mandate – This provision will offset the cost of guaranteed issue somewhat, but the penalties are not high enough to ensure the participation you would need from the healthy population to offset those costs. A quick look at the costs in Massachusetts will show you how premiums respond to both a mandate and guaranteed issue. Its not pretty.

Preventive care and covering children to age 26 – These two provisions are both popular and not very expensive (maybe 2-4% impact on premiums) – my bet is if health reform is stricken, we will see this passed into law very quickly. Aetna, UnitedHealthcare and Humana are all saying they will keep these provisions in their plans even if the law is stricken.

Medical Loss Ratio (MLR) Requirements – Carriers were required to keep non-medical costs below certain thresholds – most carriers were already there – so no real impact. Most carriers just used this provision to cut agent commissions, which cost this country thousands of jobs.
Premium Subsidies – My only thought here is how was this bill actually going to pay for this? This bill was not funded adequately or with much more than smoke and mirrors. The claim was for huge savings in Medicare – but that was offset by the expansion of Medicaid – which the states have to fund a chunk of… Its just too easy to punch holes in how this $100B plan would never generate $100B in revenues.

At the end of the day, most Americans will be better off if the entire bill is stricken but doing so will create a vacuum that will need to be filled by something else. Let’s hope our leaders can actually work together to create a truly bipartisan plan that has a decent chance of working.

To get excellent health insurance quotes, try Compare-Health-Quotes.

Posted on Monday, June 18th, 2012. Filed under Health Insurance, Medicare.

Sick of People Telling You Get Health Insurance?

Are you sick and tired of people telling you to get health insurance? Are you fed up with trying to explain you don’t have the money to get health insurance? In other words, no one seems to understand that you can’t afford to have it. Most likely they do understand what you are saying, but are trying to point out that by not having it, even minimum, basic insurance, you could be overwhelmed by just one huge medical bill if something happened to you, like being involved in a car accident.

Without health insurance, you are on the hook for the whole kit and caboodle, which often runs into the thousands of dollars. Do you have that much on hand to pay those bills? If you don’t have health insurance of some sort or another, you are stuck. Maybe better to have minimum coverage than none. It may save your bacon one day.

To learn more and get a health insurance quote, visit

Posted on Sunday, June 17th, 2012. Filed under Health Insurance.

Get Affordable Health Insurance Now instead of Being Forced to Get it Later

Act now to get affordable health insurance, before you are mandated to buy it in 2014.

It’s a funny world when the government tells you that you must have health insurance – or else you will be fined. While they appear to mean well and are hoping to have universal access to health insurance for everyone, regardless of their condition(s), people don’t much enjoy being told what to do. They enjoy it even less when being told what to do and what to buy will cost them money they don’t have.
It’s a tough situation for many Americans. Buy health insurance now, or later? Choose to go with the flow, get covered and be safe or pay a yearly fine and save money? That’s a bit of a misleading question, largely because paying a yearly fine for not having health insurance will not mean saving money. On the contrary, not having health insurance will still mean someone will have to pay the doctor’s bills, and that would be you. There is no savings to be had in the scenario.

Come 2014, health care reform says state plans will be in place for everyone and they will be subsidized by the government. One wonders where they will get the money to do that without pillaging the health care system, the military and a variety of other larger programs, but for now, why look a potential gift horse in the mouth? So, based on what the government says, by 2014, absolutely everyone will have a chance to have affordable health insurance.

By hook or by crook, the plan seems to be slowly moving forward. However, as with most legislation, there are scores of people who vehemently oppose it. Many are not insured by choice, and feel it is their right to have health insurance or not, as they see fit. They are adamant that government should not force them into a health insurance plan. There doesn’t appear to be any other option to this conundrum, other than paying a fine every year and if you can pay a fine every year, you have enough money to pay for an affordable health insurance policy.

Despite the fact that the government says the states will have health insurance for everyone, no one really knows if the government health insurance plan will offer sufficient coverage. Then what does someone do? Buy insurance because it is there and they must have it because they don’t want to be fined? This begs the question of why pay for insurance if it does not meet your needs. This is food for thought.
In the final analysis, in order to maintain some control over your own life and health, and not be forced into buying a policy later, start searching for an affordable health insurance plan now. Do your homework. Compare policies. Compare prices. Compare coverage. There are affordable health insurance plans out there, and better you get them now, rather than later.

Clelland Green is with, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit

Posted on Friday, June 15th, 2012. Filed under Health Insurance, Life Insurance.

Health insurance Quotes Offer a Wide Variety of Choices for Good Health Coverage

For good health coverage search for health insurance quotes that properly address your medical care requirements.

It’s funny that when people start to look for health insurance, the first thing they tend to consider is how much it is going to cost them. In reality, they need to first think about why they need health insurance, what medical conditions they need covered and what type of protection they need. If they want security, they need to know what will ensure their security, before going online to find health insurance quotes.
It’s a no brainer that every day people are hurt. Accidents, falls, injuries, sickness and death are part of life, with and without health insurance. With health insurance you are covered and your bills won’t break the bank. Without health insurance, that is another story; one that may land you in bankruptcy court. No one wants to scare anyone here, but the fact is life happens and the very best way to face the uncertain medical future is to find the right health insurance quotes to suit your needs.

No one is suggesting that you get online and find the cheapest health insurance quotes possible, although many do just that. Often it is best to not buy the cheapest health insurance you can find, because what you pay for may not be what you think you are getting. Too many Americans these days do not pay attention to what their health insurance covers, and as a result of this inattention to details, find themselves paying for something they thought was covered in their health insurance, but wasn’t.

Start first with several health insurance quotes and then do some comparisons, never forgetting that you also need to know what is not covered, just as much as what is covered. Cheap does not always mean it will suit your circumstances, so be careful to ask a lot of questions about the policies you are considering.

For instance, before you search for health insurance, determine what you really need. Then consider your budget. If the plan that you really need is a few more dollars, don’t think twice about getting it. It is your health, and it is important, not to mention the fact that you do not want to end up struggling to pay enormous medical bills when you don’t have the money to do so.

How much money do you have to spend? How much wiggle room is there for you? Set a budget, but be prepared to have room to maneuver. Often people find the ideal policy for them, but it is a bit above their set budget. Make adjustments to your budget to get want you want and need, because without it, the other cheaper policies won’t cover you when you need it the most. So, really, why pay for a policy that doesn’t cover you?

Clelland Green is with, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit

Posted on Monday, June 11th, 2012. Filed under Health Insurance, Life Insurance.

Health Insurance Now or Later?

Given that health care reform is just around the corner, we would be smart to get our health insurance now, rather than wait until 2014. After all, what’s the rush? Nothing has happened yet. Well, that is not quite true, as there are many elements of health care reform that are actually in play right now. It’s just that the mandated health insurance clause does not kick in until 2014.

Would you rather be caught flat-footed without insurance and be fined? Some people will, of course, do just that, because they feel that is all they can afford. However, if may help you to know that there is a good chance that insurance rates will drop by then, and in fact, they are dropping now, thanks to competition. It’s your call. Buy now or buy later, but buy health insurance, as you can’t afford to be without it.

To learn more and get a health insurance quote, visit

Posted on Monday, June 11th, 2012. Filed under Health Insurance.

So You’re Morbidly Obese, Why Do Insurance Companies Care How Much You Weigh?

Like recreational smoking, some individuals choose to eat whatever they want, whenever they want. Others have health conditions that make them more likely to struggle with maintaining a healthy weight. Why does this make a difference to an insurance company? They care because the more overweight you are, the more at risk you are for serious diseases like congestive heart failure or diabetes.

Insuring an overweight individual is a business risk, a financial business risk, and one that an insurance company does not take lightly. They stay in business because they wisely choose to reduce their risk of exposure to high risk customers, unless those same individuals are willing to pay higher premiums for coverage. Statistically speaking, overweight people spend more time dealing with serious health concerns than other individuals who are a healthy weight. It only makes good business sense to insure the healthier ones.

To learn more and get a health insurance quote, visit

Posted on Saturday, June 9th, 2012. Filed under Health Insurance.

So You Smoke, Why Do Insurance Companies Care What You Do?

Smoking is a personal choice, right? You either choose to do it or not. Why does it become someone else’s business when you want to buy health insurance? It’s your life and your choice what you do with it. Well, yes, that is true, but since you want this same insurance company to insure your life, you will need to pay more for them to do that, because by smoking you are placing yourself at risk for various serious and/or deadly diseases.

If you expect them to take the risk that you will kill yourself smoking, then you have to also expect your insurance premiums will be higher because of the choices you make. Insuring people is a business and a company won’t take that risk unless they can cover it off with higher premiums, or outright decline. So while it is your choice to live or die, it is their choice to insure or not insure your lifestyle decisions that put their bottom line at risk.

To learn more and get a health insurance quote, visit

Posted on Thursday, June 7th, 2012. Filed under Health Insurance, Life Insurance.

You Want the Preferred Health Insurance Rate, but Can You Get it?

You did some research online and discovered something called the preferred health insurance rate. Nice pricing. That is just what you want. However, can you get it? If you are young, healthy, don’t smoke, drink or have pre-existing conditions, you could likely get that rate. However, more often than not, you will not qualify for that rate, simply because you are older, have pre-existing conditions, perhaps smoke and drink and are on various medications.

This does not mean you will not be able to find an affordable health insurance quote, because they are out there. You just need to know what you are looking for and talk to the local agent about what policies they have that would suit your need. Yes, there is a policy for everyone, and with help, you will find it.

To learn more and get a health insurance quote, visit

Posted on Tuesday, June 5th, 2012. Filed under Health Insurance.

Health Insurance is a Two-Step Process

Having health insurance is a two-step process. First you think about it and decide yeah, you probably should have it, just in case. Second, you go online to find what you need. This is where the rubber hits the road, finding what you want in terms of health insurance. If you’re new to the process, it can be daunting. However, with instant quotes, life is a lot easier.

Have a firm idea in mind of what kind of health insurance you should have to meet your needs. For instance, do you visit the doctor for everything, or a little as possible? Do you want to try every new drug out on the market, or hate taking them unless you have to? Knowing your health care consumption pattern, will help you choose the right health insurance policy.

To learn more and get a health insurance quote, visit

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Posted on Sunday, June 3rd, 2012. Filed under Health Insurance, Life Insurance.