ADV: Health Insurance for the Self-Employed!
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Affordable health, dental, and life insurance for you and your family. Ideal for self-employed, small business owners. Fill out our form for a competitive quote.
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Why pay more than you need to for insurance?
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LOS ANGELES, Dec. 21 -- The universal health insurance package that one chamber of California's legislature passed this week looks a lot like the one Massachusetts not only passed but put in place a year earlier: Every resident will be required to have insurance, every employer must pitch in, and...
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Get the real scoop on your medical bills before you leave your doctor's office.
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Small employers that are only willing to pay one-third of their workers' healthcare insurance premiums can now offer policies through Blue Cross and Blue Shield of Massachusetts. Previously, the state's largest health insurer only offered coverage to companies that contributed at least one-half of premium costs.
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In an attempt to extend health coverage to uninsured workers, 60 large employers are joining together to sponsor an array of low-cost health insurance options.
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Health insurance costs are going up, and up, and up. And in some cases, up some more. Premiums for employer-sponsored plans rose by 11.
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Employers' health premiums rose 11.2 percent this year, according to a benchmark study released yesterday that reinforces voter concerns about the US healthcare system.
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Should the government force you to have coverage?
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Yesterday's piece on health care and the presidential election got a great response, and some of it from Republicans, using the slogans and logic I hoped they wouldn't. But that's okay, it helps me focus my rhetoric on the precise point of disagreement, and hopefully by illuminating it, I can either convince some of the Republicans to come over to my side, or help eliminate some of the confusion on both sides. Or maybe it'll just keep the argument from slopping over into all kinds of irrelevant issues. The basic Republican argument goes like this. Why should I pay for the health needs of people who are so irresponsible as to not have health insurance.  If I got it wrong, please set me straight. Now I'd like to answer this, very carefully. The Democrats aren't proposing that you should pay for the uninsured. Key point. They either agree with you, or know that they're not going to get their proposal passed unless they take this into account. The Obama plan says you don't get care unless you have insurance. His proposal aims to get a lot more people insured. Clinton goes one step further, by requiring everyone to have health insurance.  Also, you already pay for the health needs of the uninsured. Whether you or I like it, we don't look the other way when someone is in need. You may feel the system should work differently, but that's not responsive to the proposal the Democrats are making. The debate is how health care works for the non-indigent.  If you have property, a car, a house, or if your kids go to private school or college, or if you want to take a vacation, or have a baby, or exercise between jobs, getting sick without insurance is a sure way to go from being middle class to being poor, quickly. This is why we have health insurance, to smoothe out the risk, to protect our family's lifestyle. It seems to me it's a good thing. It's the market solving a basic human need.  So this is what we should be discussing, how can we get insurance for all the people who want it, or should we require it for everyone -- this is the debate of 2008. This is what the Democrats are putting on the table, and what McCain, or whoever is the Republican nominee, will have to respond to, if we're going to have the respectful debate everyone is talking about having.  Why is this such a problem?  A lot of people, even healthy people without pre-existing conditions, can't get health insurance. And what if you have a pre-existing condition? Do you really think it's cool for the insurance industry to refuse them coverage? Why is that a good thing? I honestly don't get it. Consider the penalty for not having insurance. (See above.) So far the leaders of the Republican Party have managed to keep health care off the national agenda, but this year, it's there. If you doubt me, just ask a few people you know, and don't just ask poor people or Democrats, ask Republicans. Disease isn't a party issue, and while poor people tend to have poorer health, even well-off people need health care. And most people can't afford to pay for a catastrophic illness, and enough of them can't get health insurance to make this an important national issue. If you disagree with this, please let me know why. PS: Phil Windley asks where it stops. Should we provide free housing for the homeless? And what about free cable TV for people without cable TV? (He provides other examples.) No, this is only about health insurance. It's not about any of the other things mentioned in Phil's post.
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Frequently Asked Questions about the State Children's Health Insurance Program (SCHIP)
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You can take money from an IRA to start a health savings account.
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Independent Health has added options and adjusted rates for 2005 in Encompass 65, a group of Medicare managed care plans. The health plan has introduced a no monthly premium plan that includes office visits
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CINCINNATI - First they tried nudging. Now companies are penalizing workers who have high health risks such as obesity and high blood pressure or cholesterol as insurance costs climb.
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Like it or not, health savings accounts are coming soon to an employer near you.
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WASHINGTON -- Employers can reduce their health insurance expenses for retired workers once they turn 65 and qualify for Medicare, the Equal Employment Opportunity Commission has affirmed.
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More and more people lack health insurance. Don't be one of them.