New Health And Fitness.Org - Health Information You Can Use
The need for affordable individual health insurance is becoming more prevalent because of the rising numbers of self-employed. Entrepreneurs are transforming the landscape. Home-based businesses are increasing at a phenomenal pace. This enormous growth of small business has generated a greater demand for individual health coverage. This is a first time experience for most of these new start-ups. Group health care insurance is provided by the employer. The staff member that is enrolled in the company party health insurance plan rarely discusses the coverage or the cost. The following changes dramatically when they are compelled into purchasing their own personal plan.
COBRA (the Consolidated Omnibus Price range Reconciliation Act of 1985) guarantees a continuance involving coverage when you leave ones employer. This coverage is made available for 18 months after you abandon. You have a 60-day window after termination of employment to shop for your current individual health plan. This kind of window of time is critical towards the insurance shopping process. For people who have any thought of leaving your employer then it is imperative that you investigate availability of individual health insurance.
Person health insurance is medically underwritten. Because of this the insurance company will gather most applicable medical information on you and also or your family to determine if they can give you an individual plan. Pre-existing conditions are normally eliminated and in some scenarios coverage can be denied.
Things to consider:
1. Health ? Do not presume that you or your family is Insurable. There may be certain pre-existing issues that are covered by some companies as well as excluded by others.
2. Self-Insuring ? The higher deductible for you to elect will decrease your premium dramatically. This is called self-insuring. Some businesses have deductibles that go up to thousands.
3. Insurance Company * There are many reliable insurance companies inside the health insurance industry use the quotes to compare coverage.
We?ve done the research so you do not have to. Please see our recommended resource for insurance quotes online.
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