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Health insurance can be less expensive if you are in good health

Your health insurance can be far less expensive if you are in good shape.

Perhaps you smoke, or drink, or do recreational drugs. Maybe you do not exercise enough, or you don’t eat right as often as you should. Those lifestyle choices can cost you.

If you do not already have health insurance and then decide that you want or need it, you may find that you have a harder time obtaining it if you are not in good shape. You might smoke and then decide to have health insurance, but discover that your premiums as a smoker are quite high. The premiums are high because when you smoke, you put your health at risk. Since insurance companies are in business to make money and take reasonable risks insuring people, if you smoke, or are quite obese, you may not be considered to be a reasonable insurable risk. That means you will pay more for insurance. Those who do not smoke or who are not significantly overweight do not shell out the same kind of money on premiums.

Many insurance companies charge premiums according to the health of every applicant. Age, gender and occupation are also factored into the cost, as are pre-existing and current health issues. Figuring out a person’s premium is done according to the Health Status Rating (HSR) system, which charges higher premiums for those with a history of medical conditions or those who have current health issues.

The HSR outlines certain conditions that may increase the chances that new applicants would need health care. For those who show a rating that indicates they may need health care, the premiums are higher. Right now, insurance companies have the option to decline coverage or offer the applicant a policy based on their health. Declining to insure someone may not be an option in 2014.

Many things may change next year, and in order to keep up with those changes, insurance policies may also evolve. Based on the changes to come, companies may start screening the wellness and health of their employees in order to take control the costs of health insurance they are offering to workers.

Staying in shape may mean substantial savings on health insurance premiums. Perhaps revamping your lifestyle is something to seriously consider.

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Posted on Tuesday, August 13th, 2013. Filed under Health Insurance, Life Insurance.

What happens if I go to hospital and have no health care insurance?

There are several answers to this question and you won’t like any of them. Two of them, however, are things you definitely need to know. There are some hospitals that refuse to treat people without health insurance. While they don’t SAY this to you, you may find yourself shuffled around and then taken somewhere else that takes people without insurance. Will the quality of care be good? It may be. It may not be. You basically have no control over what happens, because you have no health insurance.

Some hospitals that go ahead and treat someone without health insurance will send a bill later. It’s that bill that spells the end of the end financially for the family that receives it. It an individual was in the hospital for a broken bone, they may find a bill in the mail for up to $20,000, and that would be a clean break without any complications and no surgery required. If you need more than that, your bill goes up. Can you afford that? If the answer is a loud “NO,” get health insurance coverage, even if it means not going to the movies a few times a month, or you have to cut back on smoking. Find the money to protect your life. It’s a worthwhile investment.

Click here and get a health insurance quote, visit

Posted on Tuesday, August 6th, 2013. Filed under Health Insurance, Life Insurance.

To buy or not to buy health insurance

People debate this issue non-stop in coffee shops, kitchens, hospitals and just about any place where they need medical attention. So many Americans these days still think they can make it by without having health insurance. That is just plain wrong. It they get into an accident, fall, break a bone or sustain head trauma, or a heart attack, who pays their medical bills if they do not have health insurance? The answer is that they pay their medical bills and are likely go bankrupt trying to do so.
And if they go bankrupt, how does that help the health care system, which is already struggling to keep up with massive debts loads. This is not an easy situation to solve, but one thing is abundantly clear. Those with health insurance have a fallback that helps pay medical bills when they need to see a doctor or go to hospital. Those without health care are between a rock and a hard place. Get your health insurance quotes now and make some life supporting and smart health care decisions.

Click here and get a health insurance quote, visit

Posted on Monday, July 15th, 2013. Filed under Health Insurance, Life Insurance.

Now is the time to check into health insurance quotes for your future wellness

There is just a short jump from now until 2014, when you will be required to have health insurance. Many Americans do not like to be told what to do, what to buy or how much they will pay for it. It feels like a loss of control over their lives. In reality, health insurance IS a major necessity, because without it, you run the risk of losing everything you ever worked for during your life.

What’s the solution? Get online NOW and start looking for health insurance quotes that meet your needs and budget and choose what works the best for your lifestyle. Choices! We all like having choices and deals, right? If you get your health insurance now, you have some say over what you want, how much you pay, what type of coverage you have and what supplements you do or do not want. It’s the best of both worlds at the moment, as the competition is fierce for new customers. That means deals are to be had if you just take the time to look for them.

Click here and get a health insurance quote, visit

Posted on Saturday, May 11th, 2013. Filed under Health Insurance, Life Insurance.

Health Insurance Plans Are Pretty Flexible These Days

Once upon a time, health insurance plans were pretty much one thing. They covered a little bit of this and a little bit of that and that did you just fine. These days, the world has changed. Life has changed. Medicine has changed. Technology has changed. And to put it plainly, accidents happen far more often now, thanks to the dense population(s) in America, than they used to. It’s not much wonder that health insurance and life insurance changed over the years to meet the needs of those wanting insurance.

The point is that while people find the array of health insurance plans confusing, if they didn’t have those choices, they would not have the kind of flexibility they need to stay healthy and be covered for those “whoops” moments in life. Car accidents, falls, sports injuries and weird germs happen to just about everyone today. While you might think you are healthy, and maybe you are, you will, at some point, need medical care. Check out health insurance plans now before you are forced into buying one in 2014.

Click here and get a health insurance quote, visit

Posted on Sunday, April 21st, 2013. Filed under Health Insurance, Life Insurance.

Think about what you want in terms of health insurance plans

Despite what people think, there are low cost health insurance plans for those that work at home and those without jobs.

It is possible to get a low cost health insurance plan, and anyone that told you otherwise was mistaken. There are health insurance plans that suit the needs and the budgets of out-of-work Americans and Americans who work out of their homes. With determination and patience, you can find exactly what you need, at a reasonable price.

No one says you have to have all the bells and whistles, but it only makes sense to have a good, solid, basic health insurance plan in place for those “what if” moments in life that happen all the time without warning. Yes, there are millions out-of-work right now that are frightened to think they have no coverage and dread what would happen financially if they needed medical care. They feel they cannot afford to pay for it, since they have little or nothing coming in.

While that is an understandable point of view, it is also largely based on the false premise that there is no such thing as affordable health insurance plans. In direct contradiction to that myth, there are low cost plans available for those willing to search for them. Additionally, it is better to get a plan now, rather than wait for 2014 when no one really knows for sure what the price of health insurance will be. Now, it is fairly competitive and you stand a chance of it staying that way if you buy now.

Come 2014, you may pay less or you may pay more, and you may pay less to start, but have the price jacked up over time. If you want some control over what you get, now is the time to go online and start looking. In the long run, it is better to be covered than not, as not being insured guarantees you staggering medical bills, even for the smallest of procedures.

If you are ever in an accident and need to be in hospital, your bill could run into the thousands. Add in surgery, and it goes up even more. Do you want to live life on the edge, without health insurance, wondering when something is going to happen that would wipe you out financially? Most people would prefer the safety net of health insurance rather than a bill collector for the medical bills you cannot pay in the foreseeable future.

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, March 15th, 2013. Filed under Health Insurance, Life Insurance.

Health insurance quotes are as important as car insurance quotes

Is it odd that health insurance quotes are just as vital as car insurance quotes? Your health is as important as your car.

It makes sense to most Americans that they need to get a car insurance quote, but oddly, they think health insurance quotes are not necessary. Nothing could be further from the truth. Both types of insurance are important, but health insurance will save your life. Think you can’t afford health insurance? The honest truth is you cannot afford to “not” have it. If something happens, like a car accident, and you have no insurance, you are stuck with the bills. Could you pay them? Many people could not.

Some feel there is no such thing as affordable health insurance and that spending time looking for health insurance quotes is useless. This is a misconception, largely because the industry is quite competitive right now and there are good deals to be found online. Why not try it out and see for yourself? Your health and the health of your family are vitally important. Keep yourself, and them, safe by having a bird in hand when the chips are down and you need expensive medical care.

If you get why you need car insurance, you should get why health insurance is just as important. Take a look around and start doing some online health insurance cost comparisons. You will be surprised at what you may find. It takes some patience to search out what you want, but it is out there. In fact, there are so many different policies, you might get confused. Here is a tip to avoid confusion. Write out a list of precisely what you want and need; in detail. The more you already know and have written down about your needs, the easier it is to find an insurance policy to suits those needs.

No one says you have to go it alone and try to find a policy that works. That is what insurance agents are for, and their advice is free. They are not there to shove a policy down your throat, because they know, as well as you do, that you would not renew and would spread the word. Their aim is to help you select what works for your lifestyle, making you a happy and well covered customer.

Additionally, if you know what you want, you do not end up paying for something you do not need and will not use. It’s your health, your life, your choice and your preferences when it comes to choosing a health insurance policy that honestly works for you when you need it.

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 Tuesday, March 5th, 2013. Filed under Health Insurance, Life Insurance.

Health insurance plans are your lifeline for the future

Many Americans do not have health insurance. They feel they cannot afford it.

Perhaps there is indeed some truth to the fact that many Americans cannot afford monthly insurance premiums. At least, from their point of view, they do not have the extra funds to pay for health insurance plans. While it is an understandable dilemma, the bigger picture is this: without health insurance, you will have to pay a huge medical bill if you need care and do not have health insurance.

So, the question then becomes, “What would you rather have happen? Scrimp a bit to pay a monthly premium and have medical bills covered, or get a bill from the E.R. for setting a broken wrist, which runs about $20,000 or more?” Most people would be horrified to get a bill that large. If they have to stay in a hospital overnight, or require surgery, that bill is even higher. How would they pay for it?

The answer to that question is they would not be able to pay it, and in addition to their usual monthly financial obligations, they would be saddled with a bill that may take years to pay off. Some find themselves in the situation of having to declare bankruptcy as a result of medical bills. Most of those kinds of situations are avoidable by having even a basic health insurance plan.

Now is the time to line up health insurance plans for the whole family, before you are fined for not being covered. It is also a smart time to source your health insurance, as you have the ability to pick and choose what you really need and what works for you, even if it is a very basic policy.

Any coverage is, at times, better than none. Mind you, that largely depends on what coverage you choose, and that choice is up to you. You would, of course, opt for coverage that best reflects your needs and not pay for things you would not need. That is then what you pay for, rather than trying to figure out how on earth you pay a medical bill so high, you would never make that much in two years.

If you already have insurance, then do you know if it is doing a good job for you? Here’s how to tell if it is not doing a good job. Your doctor’s office has hinted they won’t be using your insurer in the future, other people have sued the insurance company for fraud, they won’t let you raise your deductible to bring down your monthly premium, and prescription drugs are not covered.

The most frustrating spot to be in though is when trying to file a claim and you can’t get anyone on the phone and get stalled, and no one answers your questions when you email. It’s time to start looking around for another insurer.

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, February 25th, 2013. Filed under Health Insurance, Life Insurance.

Affordable health insurance is best found by sourcing quotes for yourself

If you’re searching for affordable health insurance, do it for yourself.

These days, less than 25 percent of the population gets health insurance through their employers. If your employer does offer health insurance, you get what you get and at a price dictated by the company. Although it is a benefit to you, you may be paying for things you do not need or use. You may well be able to find health insurance for less by looking around. In other words, by opting to get your own individual plan, you may pay less.

Health insurance through a company means you are lumped, as one large group, with everyone else in the company. That will often include overweight individuals, smokers and those with serious illnesses. While that is life, you are paying for that. If you are in pretty good shape, and younger, looking around for affordable health insurance quotes makes sense. You could actually get a lot more insurance tailored to your needs for less.

What’s the best place to look for insurance quotes? You guessed it. Online. The coverage you find there is similar to what your employer may be offering, but the price is typically less. Additionally, you have a choice of insurance providers, deductibles and so forth. If you need something to fit your lifestyle and budget, you’ll find it online quickly.

Having your own health insurance means that no matter where you go if you change jobs, you still have insurance. Considering today’s shaky economy, it’s a good thing to have portable health insurance, as people are changing jobs at an ever increasing pace. You certainly do not want to be without health insurance, not when it means facing enormous medical bills that you would have no way of being able to pay.

While many Americans have opted out of having health insurance because they cannot afford it, the truth of the matter is that they cannot afford “not” to have it. The first time they need to see a doctor or go to emergency for a broken bone, they will end up facing a real dilemma —- how to pay for the care. Additionally, by 2014, you will be required to have coverage. Why not get it now while you have some choices available?

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, January 25th, 2013. Filed under Group Insurance, Health Insurance, Life Insurance.

What Is Term Life Insurance?

So your looking to do a little research on what exactly term life insurance is right? Term life can be easily defined as what it is, coverage for a specific term. Unlike whole coverage which is indefinite coverage. Generally you can buy a term life policy for periods of five years or more.

Your policy will be active until the term you chose is fulfilled. Your term life insurance rates can be determined by a number of different factors including age, lifestyle, etc.. a term life policy you can match a term to your specific needs. Like say you have a 15 year mortgage and you want to make sure your term policy will be enough to cover the cost of your mortgage as well as the term being as long as the mortgage.

There are many different types of benefits to a term life policy. Whether your single or married you can find a policy that best suits your needs. Planning for any type of life insurance doesn’t have to be a pain in the neck. In fact it can be quite comforting knowing your loved ones will be taken care. You can get free competitive term life insurance quotes by clicking here or visiting our website

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.