5 Ways to Lower Health Insurance Costs

19 Jan

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Health insurance costs go up so often now that people forget to complain about it. It has become as common as breathing or eating. The seeming inevitability of it all, though, should not encourage you to resign yourself to higher costs. There are many ways to lower health insurance costs and save yourself some serious money. The possibilities differ from person to person and family to family. However, here are five major ways to save on health insurance that can apply to almost anyone.

• Raise Your Deductible

Most people have health insurance policies that they almost never use. If this was not the case, insurance companies would not be able to make any money. It is all a big gamble. You pay for health insurance in case you get in a major accident or get diagnosed with a terrible disease. However, most people will die of old age and use their health insurance minimally throughout their life.

You can lower your premium by taking a minor risk and assuming that you will not need to use your health insurance very often. If you raise your deductible, your health insurance company will lower your monthly premiums. You will pay a lot if you actually get sick or injured but you will pay less for simply having the insurance there just in case. This is a good option if you are young, take good care of yourself and do not have a family history of any major diseases.

• Negotiate with Your Insurer

Instead of making a blanket move like raising your deductible, talk directly to your insurer about your interest in lowering costs. You may be surprised by how willing they are to help your with this problem. If they do not know that you are upset, they cannot help you. Ask about other, more subtle, ways in which you might lower costs.

• Consider Individual Health Insurance

A lot of people get health insurance through their employers but they pay all or a portion of it. The advantage that they get through employment is access to group rates that are lower than the rates for the same policy offered to private individuals.

Often, these policies are like aircraft carriers when you only need a sail boat. They are great deals but they are more than you need. This is often true if you are young and single. Look into opting out of your company’s health care and paying for our own insurance. Your company may be glad to let you do so. They may even be able to make it profitable for you since they will save money as well by excluding you from the plan.

• Join A Society or Association of Professionals

If you are a professional of any sort, then you may be eligible for reduced rate insurance through an association of your colleagues. This is not just something for doctors and lawyers. Professional tradesmen, writers, and others can join leagues of their fellow professionals and gain access to group rates for health insurance.

• Open a Health Savings Account

These are not new solutions but high health insurance costs are driving more people to find out about them. These are tax-free accounts into which you can place money in reserve for health care costs. Unlike premiums, the money is not lost if unused. It rolls over every year.

These may just be starting points for you. If they do not work out, investigate some other options for lowering costs. Almost anyone can find some way to lower health insurance costs comfortably.

This article was written by Franklin Murray, who is the primary writer for homeownersinsurance-quotes.org, which specializes in homeowners insurance rates and quotes.

57 Responses to “5 Ways to Lower Health Insurance Costs”

  1. Carlos March 27, 2013 at 8:39 pm #

    I have one duplex, about 25% of principal paid off. I might get another one early next year.

    How much does it cost to incorporate? Can I do it exclusively on-line? Will it make things more difficult at tax time?

    I know it will protect my personal assets.
    Would it help me out to pay lower taxes?

  2. Michel March 27, 2013 at 9:08 pm #

    I have a riding stable with 5 of my own horses. A friend is boarding her daughter’s pony here. Board covers the bare minimum of costs and the family helps with barn work.

    There is a demand for boarding in our area and I have had numerous requests.

    What kind of insurance do I need if I want to take on boarders? Also, what kind of insurance do I need if I allow boarders to also ride my horses?

    Our one boarder wants to work with a trainer using my horse as she is rapidly outgrowing her pony. The daughter is 14 years old and a very fine rider.

    I want to make sure everyone is protected and no problems occur if someone gets hurt on my property.

  3. Catarina March 28, 2013 at 11:14 am #

    What is the best type of health insurance I can get to help my kids go to the doctor, get checkups and vaccines, and have them ready for school? Or like if they break their arm on the playground or something? Anything else I should be thinking of as to why I should get insurance for my kids before they go back to school? Sorry, lot of questions but I appreciate your help. Thanks

  4. Adrian March 29, 2013 at 7:21 pm #

    I have medical insurance through united health care. However my insurance covers only diagnosis of infertility and surgery to correct bodily defects, but not in vitro. I’m 41 and running short on time. Please help with info…if you are a doctor and can help let me know…I have 3 much older children and I have unexplained infertility. I can fly anywhere in world, airline employee.
    @William, I wasn’t looking for a solicitation to buy insurance.

  5. Thomas April 7, 2013 at 6:51 am #

    There will be lots of uneducated, ignorant people and sick …not prepared to work and succeed. I think we should pay attention at what the legislators are doing about these issues And get them out of office if they don’t care about their constituents …They should be giving these two issues top priority. What do you think ?

  6. Dianne April 7, 2013 at 8:05 pm #

    I’m turning 31 this year so need to make a decision. I have a husband and a 2 year old with another due in October. So many people say there are huge gaps in what insurance covers compared to the cost. Others swear by it because they get a choice in doctor although apparently privately insured patients often use the public system.

    What do you think is the best way to go?

  7. Whitney April 10, 2013 at 5:39 pm #

    At my work I only pay 67.34 a month for health insurance. It is just me, single. Awesome insurance, no deductible, low co-pays etc. VERY lucky. However, if I had 1 spouse it sky rockets to 447.71 a month, and a family, any size would be 877.11 a month. (Great deal if you have 5 kids, not so great with 1 child)

    Is everyone’s insurance like this???

  8. Cristobal April 10, 2013 at 9:21 pm #

    I’m getting health insurance for the first time on my own, so I really don’t know anything about it. I tried having the woman from the insurance company explain it, but it still makes no sense to me. If I have an annual deductible of $2,000/$4,000 and my out of pocket max is $4,000/$8,000 what does this mean? And my coinsurance is 20%?

  9. Elden April 15, 2013 at 4:12 am #

    I was watching Michael Moore’s Sicko and was amazed about France. The way that the French take care of their people makes me want to pack my things and move there. But I know that it can’t be all good.

    Pros and Cons of living in France as opposed to the United States?

  10. Terese April 18, 2013 at 11:14 am #

    My friend and I were kinda fighting about this so I want to know what other people thought was the 5 best and 5 worst comebacks of both Obama and Romney in the 1012 debate?

  11. Elouise April 20, 2013 at 5:20 am #

    Everyone I talk to (including myself) is worried about their mortgages, car notes, utilities bills, health care cost, etc.. Financial worries seem to be on everyone’s mind.

    What can we do to give ourselves a boost when there really isn’t anything to smile about?
    There are a few good answers here. Cheers!

  12. Travis April 20, 2013 at 1:39 pm #

    Would you spend your money at such an establishment?

    A franchise owner of 40 Denny’s restaurants will tack on a 5% surcharge to customers because he’s upset about the election outcome and ObamaCare (ObamaCare hasn’t taken effect yet and won’t for a couple years).

    Papa John’s owner said he will raise prices if Obama wins.

    Various owners like the Koch Brothers and other Conservative owners threatened layoffs to its workers and lower wages if Obama wins.
    ObamaCare will REDUCE the costs for businesses buying their employees health insurance. Look it up.
    To those saying they won’t ever eat at Denny’s – to be fair, it’s one franchise owner making this claim (he owns about 40 restaurants). Not the corporate headquarters of Denny’s.

  13. Enriqueta April 22, 2013 at 8:52 am #

    I’m doing a project for my economics class and need to know how much health insurance will cost me. If I am in my late 20’s with no health conditions and make around $20,000 a year as a waitress in GA, how much can I expect to pay?

  14. Marleen April 26, 2013 at 4:07 am #

    Our investments have gone down the tube, our jobs are in jeopardy, we’re stuck in a war paying health insurance for people who aren’t even Americans, and a huge chunk of our taxes just goes to pay the interest on the wanton GOP spending? And those are just the tips of the icebergs. Are Americans stupid, or what?

  15. Kareen April 28, 2013 at 10:18 am #

    Hi, I have no insurance but would like to get my hormone levels tested and some other blood work. Since it costs so much to just see the dr. (like $100), and I’m a fixed income that just misses the cut off for my state help, can I get lab work done without a dr’s orders anywhere to avoid the dr. visit charges? Or any suggestions you might have to help in my scenario ?

  16. Marietta April 28, 2013 at 10:18 am #

    I’m looking for financial advice as I have no guidance. I’m a 26 yr old single student. I live alone in NY and have racked up almost 8K debt. Without going into details, I was recently given a $5,000 cash gift.

    I do work full time and have pretty good credit. I paid off my 16K car off 2 years early. I pay bills on time and if possible pay off debt before the promotional periods end. However, I do live paycheck to paycheck. I do not have savings. My job is off the books so I do not have health insurance either- that would explain 4k of my debt. I think I’m lucky that my debt is low but it still worries me. So I really need advice on what to do with this money.

    Soo….Is it better to save the money or is it better to pay off debt for better rates on loans in the future?

    Please offer any advice. I really want to make the right choices to create a better future for myself.
    my health debt is on a carecredit credit card.. not directly with doctors so I will owe it anyway. (not that I was trying to get out of it)
    Yes I get paid cash but I put it into the bank the same day. My bills are too high for me to spend more than I need to live. I’ve lived on my own since 17 so I’ve already learned how to save every penny I can. Each week I have about 120 to spend..but I have to eat and on occasion spend on myself.

  17. Rocio April 28, 2013 at 7:58 pm #

    Although I believe that everybody should have access to medical coverage, I noticed that in the specifics, it stipulates that the uninsured will be subject to a 2.5% tax on their income as a penalty for not having health insurance. The unemployed are having a hard enough time paying their bills, many could never afford the added cost of health insurance.

    My husband belongs to a labor union and is required to work a mininum number of hours every month to be eligible for health insurance. During the winter months we often find ourselves without health insurance because his job is primarily seasonal. That hasn’t been a problem, we just schedule our annual check-ups during the months that he is working. We have had one emergency arise in the past 8 years that required a visit to the emergency room when he was uninsured. We happily paid for this bill, yes it was expensive, but no where near what it would have cost for us to carry private insurance or pay for COBRA over the course of 8 years.

    Our children are covered during the winter months through a subsidy insurance plan provided by our state that covers all children whose parents make less than $65k/year. The premium is $15 a month. However, this plan doesn’t cover adults, and our annual income also puts us just above the maximum income that is eligible for medicaid.

    Specifically, my question is: won’t this policy put quite a few people in a more difficult situation than they already find themselves in?
    I should have specified that I am referring to the 2.5% tax on income for the uninsured in the proposed federal health care reform bill.

  18. Shad May 2, 2013 at 12:40 am #

    I also heard about dental students,in dental schools. how effect is that and where can i find a dental school?

  19. Shalon May 2, 2013 at 1:54 am #

    I want to know be because i used to weigh 315lbs I’m still losing weight I’m currently at 240 so I still have 90 lbs till I reach my goal but I just am wondering when I am skinny how much will the surgery cost. Also if you know any other ways to reduce or shrink skin. It really is important to me I want to be good looking I want to have a 6 pack and be able to have muscles it means the world to me. Ps I am 17 and I am 5’10 also is there any chance at all insurance will cover it.

  20. Marian May 2, 2013 at 3:48 am #

    G8 & European countries have injected billion of Dollars into the market while US Stock Exchange is also low. The retail market and job market is at lowest. I don’t know why this economic downfall is happening.

    Can someone explain to me.

  21. Jazmine May 2, 2013 at 6:18 am #

    Dont have the money to go to rehab, or health insurance.

  22. Cheri May 2, 2013 at 7:01 am #

    If not please explain to me how any health care provider or any private business for that matter can “compete” with the US Government who has unlimited funds and the ability to regulate there competition?

  23. Tomas May 2, 2013 at 5:52 pm #

    1. Rent (2 bed room)
    2. Average grocery
    3. Transport
    4. Utilities (electricity and water)
    5. Phone
    6. Insurface car
    7. Insurance health
    8. A good average used car
    9. Kids school (4 year old).

    Appreciate any reply. Also, is 60K enough for a family of three with the kids age being 4 year old.

  24. Carmine May 2, 2013 at 9:02 pm #

    As they grow bigger, I heard they eat a lot more and that it costs thousands of dollars. Is this true? Also, are jack russell terriers really active and able ot destroy the house? Is this likely to happen?

  25. Donnell May 9, 2013 at 6:57 am #

    I’m looking for a way the Government was impacted by media and a website talking about it.
    Thanks!

  26. Harvey May 10, 2013 at 8:38 pm #

    Assuming that you feel the current healthcare bill is flawed, how do you fix the following problems?

    Health insurance companies can deny health insurance to anyone they please, at any time and for any reason. This includes sick and dying children, even when their parents have paid for them.

    They have denied some bone marrow transplants (cancer) and operations for the blind to see, even when these people had their health insurance.

    If you loose your job, and can’t afford cobra, (and really, who can while unemployed?) you no longer have health insurance.

    some people work 3 part time jobs and can’t find a full time job. There is no way they can afford health insurance and no one offers it to them.

    Some medicines cost $3000 a month, and these people can’t get insurance.

    Cancer costs about 1.5 million to make it go into remission, and if it relapses, you owe more.

    Some people feel they don’t need health insurance, they decide to go vacations or live a more privileged life instead. Yet, when something happens like their motorcycle gets hit by by 18 wheeler or their appendix bursts, we all wind up paying for them.

    How do you even begin to fix all these problems?

  27. Ted May 11, 2013 at 7:10 am #

    please provide some facts. thank you

  28. Tynisha May 12, 2013 at 11:59 am #

    Like how much profit margin do insurance companies expect to make covering older people with sick diseases and are in the hospital 24/7

    are they gonna be covering these ppl still or just taking money an making money off the young healthy folks?

  29. Kerrie May 13, 2013 at 11:27 am #

    I mean like a $5,000-$10,000 deductible or higher. I have a lot of savings but I’m going to have a part-time job for a little while. I’d like to just pay $100-200 a month or lower for health insurance. Or as low a premium as possible.

  30. Shiloh May 14, 2013 at 12:07 am #

    My son is currently admitted to Massachusetts General Hospital (MGH), Boston being treated for manic episode. He suffers from biporal disorder (BPD). He is supposed to attend his MBA classes at JWU, Rhodes Island from Sept 5 and was living in Boston with some friends. I am in Nepal strggling to support my family and can not afford to support this son in his studies and medical bills. He does not have a medical insurance also. Uncer such circumstances, he being a typical case of a BPD patient can offer himself as volunteer for research in the field of BPD, and get his medical bills waived, because as I learned from their web site MGH is ranked no.1 in US in the field of psychiatry. I need some expert advice on how safe is it to offer yourself as ginea pig for clinical research?

  31. Blossom May 14, 2013 at 12:52 pm #

    Humanity is sitting on a volatile time bomb—one that could send the entire planet into a tailspin of epic destruction, with detonation not far in the future. Some would disagree and say no. But the facts are in: Glaciers in Greenland, Alaska, the Himalayas and the Antarctic Peninsula are retreating. Sea ice in the Arctic Ocean during summer is disappearing. Permafrost (permanently frozen soil) in Canada, Alaska and Siberia is melting at an alarming rate. Hurricanes are becoming more numerous and more intense, and sea levels are rising. The term “global warming” is at the forefront of many minds, and for several reasons. Shouldn’t we be concerned?

    The evidence for this temperature rise is unequivocal and, with greater than 90% certainty, scientists have determined that most of it is caused by human activities that increase concentrations of greenhouse gases in the atmosphere, such as deforestation and burning of fossil fuels. This finding is recognized by the national science academies of all the major industrialized countries. Climate model projections indicate that during the 21st century the global surface temperature is likely to rise 1.5 to 1.9 °C for their lowest emissions scenario and 3.4 to 6.1 °C for their highest.

    If you put an ice cube in a warm room, it will melt in several hours. But if you put an ice cube in a cup of warm water, it will disappear in just minutes. Ice sheets simmering in warmer ocean waters could melt much quicker than realized. New research is suggesting that as oceans heat up they could erode away the ice sheets much faster than warmer air alone, and this interaction needs to be accounted for in climate change models. Ocean warming is very important compared to atmospheric warming, because water has a much larger heat capacity than air.

    Sea level rise is one of several lines of evidence that strongly support the view that the climate has recently warmed. Global sea level rose about 17 centimeters (6.7 inches) in the last century. The rate in the last decade, however, is nearly double that of the last century. The impacts of sea level rise can be seen in Bangladesh itself. With the increase in floods, cyclones and hurricanes it has been predicted that Bangladesh is going to disappear by the end of this century. The evidence is right in front of our eyes.

    Warming is destroying ecosystems worldwide that you and other people depend on, according to a highly detailed new study conducted by scientists at NASA. The study found a trend of change all over planet Earth, including the “timing of plant flowering, bird nesting, ice melting, salmon migration and pollen release; declines in populations of polar bears, krill and penguins. This extensive study adds to the already voluminous evidence that global warming is real!

    Global warming has changed precipitation patterns around the world, disrupting traditional agricultural practices that you and the rest of the world depend on to live. The area of land on the Earth suffering from drought conditions has doubled since 1970.[2] Insurance costs in the coastal areas of the United States have escalated dramatically. These are the effects you can see already, and climate change is only beginning to make itself felt.

    Climate-related deaths will double in 25 years according to a 2005 report from the World Health Organization. Climate change is already tied to 150,000 deaths globally every single year. These deaths are caused by more frequent heat waves and droughts, as well as by floods and more powerful storms linked to climate change. Global warming has increased deaths in urban areas as heat waves have exacerbated the effects of smog and related respiratory problems.
    The most alarming danger is that once warming reaches a certain level, it could cause global climate and weather patterns to shift quickly and dangerously. It could mean end of life as we know it. Runaway warming could produce an Earth like the one that existed in the age of the dinosaurs: a steamy planet with sea levels hundreds of feet higher than they are now. If we don’t act now and realize that global warming is a fact and not a theory as some people call it, then the day when everything will disappear under water is not very far away.

  32. Danita May 14, 2013 at 10:26 pm #

    Dirt poor Republicans, ( and there is a lot of them) will qualify for free or low cost health insurance in 2014. ObamaCare requires that all insurance plans cover preventive services and stops insurance companies from dropping you when you are sick, as well as offering a number of other reforms and protections. It’s goal is to provide affordable health insurance for all US citizens and to reduce the growth in health care spending.

    • ObamaCare does not replace private insurance, Medicare, or Medicaid.

    • The Fact is ObamaCare gives 47 million women access to preventive health services and makes it illegal to charge women different rates than men. Get more ObamaCare Women’s Health Services Facts

    • ObamaCare gives seniors access to cheaper drugs, free preventive care, reforms Medicare Advantage, and closes the Medicare Part D ‘donut hole. The AARP agrees, costs won’t rise because of ObamaCare, if anything, the improvements to the system will decrease the average cost of health care for seniors.

    • 1 in 2 Americans have a “pre-existing” condition they could be denied health insurance for. ObamaCare chips Away at pre-existing conditions until 2017 when there are no more pre-existing conditions for anyone, including high-risk customers.

    • 54 million Americans with private health insurance now have access to preventive services with no cost sharing due to the new minimum standards of ObamaCare.

    • ObamaCare doesn’t ration health care; it protects consumers from the health care rationing insurance companies have been doing for ages.

    • ObamaCare reduces the growth in healthcare spending. The current $2.8 trillion U.S. healthcare system costs almost $9k a year for every man, woman, and child.

    ***This information is being supplied to you from”Mark.” Republicans, please send $5.00 to Mark Bojangals, 2107 Richmount Dr., Madison, Wisconsin, 53701.
    “Mark,” Maybe I should change the name so my stupid crap doesn’t get mixed up with your stuff. I could go back to being Jason B. but they probably wouldn’t let me.

  33. Dana May 20, 2013 at 4:38 am #

    I heard in a lot of debate about illegal immigrants and how they care free services such as health care. I became a U.S citizen two years ago and I’ve been trying to find cheaper and quality health care, but I couldn’t. I researched free health care online, but can’t find it. I don’t have health insurance, so whenever I visit the doctor, I either pay upfront if it’s about $200 or they send me the bills if its way higher. So how are illegal immigrants getting free health care?

  34. Rima May 20, 2013 at 4:39 am #

    I’m 20 years old and have no parents so I can’t be under my parents insurance. I’m a full time student but the community college I’m at doesn’t offer insurance or anything.

  35. Johnny May 20, 2013 at 7:46 am #

    This is for a project… if you could include the cost of high schools and middle schools that’d be great as well. I just need to know the basic cost. Thank you!

  36. Diego May 21, 2013 at 7:02 am #

    ARP event, he said, “So, the idea behind reform is, No. 1, we reform the insurance industries so they can’t take advantage of you.”

    At Children’s Hospital he said, “Health care professionals are doing heroic work every day. … But they’re being forced to fight through a system that works better for the drug companies and insurance companies than for the American people.”

    He also said, “Even as America’s families have been battered by spiraling health care costs, health insurance companies and their executives have reaped windfall profits from a broken system.”
    And, he added, “Those opposed to reform are doing nothing but working for insurance companies and insurance executives.”

    He told the American Medical Association in June, “We need to end the practice of denying coverage on the basis of pre-existing conditions. The days of cherry-picking who to cover and who to deny, those days are over.

    “I know you see it in your practices, and how incredibly painful and frustrating it is – you want to give somebody care and you find out that the insurance companies are wiggling out of paying.”

    Insurance company lover?

    Actually, he may be. Why did the Senate health care bill require that we purchase insurance? Why did insurance companies hold fundraisers for Coakley in Massachusetts?

  37. Jacquelyn June 2, 2013 at 12:32 am #

    Two ways please and thank you.

  38. Loreta June 6, 2013 at 10:55 am #

    Please list some ideas.

    Also, if you can, list websites and books that give some ideas.
    I should mention that I don’t believe giving people money is the answer. First of all, most people will just blow it away so they are no different than before.

    If I gave them food, the same argument could be made. It keeps them right where they are because if you hand things to them, they have no incentive to work.

    There must be something a person can do that will help them out w/o keeping them where they are.

  39. Josette June 6, 2013 at 11:46 am #

    I was writing out a business plan for a carpet cleaning business and I’m trying to understand how much an insurance expense would cost. I don’t have any idea. Could anyone give me an idea, and is there a way to roughly figure out what a businesses insurance expenses would cost for anything like a computer recycling company or running a bar? Any help would be greatly appreciated.

  40. Haywood June 8, 2013 at 4:02 am #

    We are a few years away from 65 and moving from Maryland to Florida. Costs for the same high deductable health coverage from our health provider will cost 5 times the amount we pay now. We are healthy and have never put in a claim. Have any of you pre-medicare seniors found an affordable provider in Florida that provides good coverage for under $6k per year?

  41. Danita June 8, 2013 at 7:03 am #

    i would like to get the prescription but i dont have any insurance. I applied for state health insurance and they denied me. So I need to know if there is a way or some sore of program to get treatment?

  42. Shiloh June 12, 2013 at 10:46 am #

    I have six indoor cats that seem to be in perfect health, but I still want to get them all covered in the event something does happen, as the vet bill could be very expensive. Can anyone help me with this question?
    Thank you in advance!

  43. Marcia June 12, 2013 at 5:17 pm #

    Everybody keeps saying that healthcare is good in Canada. In what way is it good, can you save more money on healthcare in Canada than you spend in the US? Are houses cheaper in the US than in Canada? Are the salaries higher in US for the same job in Canada?

  44. Lloyd June 16, 2013 at 12:28 pm #

    I am a hard working person who is in dire need of dental work. I have Comp-Benefits Dental Insurance. However, the work I need is quite expensive and I really don’t have my portion right now.

  45. Brigida June 22, 2013 at 12:53 pm #

    I just found out i am 5 weeks pregnant and dont currently have insurance. My husbands works and his employer offers insurance for the family for $850.00/mo, which is completely ridiculous and not affordable for us right now. I stay at home with my daughter in Missouri, but we are having a hard time getting medicaid. Any advice. Thanks…

  46. Enrique June 25, 2013 at 11:08 am #

    The problem with insurance is that the insurance company must make a profit. So, if I have invested $100 000 in the insurance company, and my house burns down and the cost is $100 000, how much will I get for the damages? $100 000? No! The company must give you less so it can make a profit. So, why not just use my own $100 000 in the first place, without letting the insurance company become the winner?

  47. George June 25, 2013 at 6:07 pm #

    My husband and I have one biological daughter and we were thinking about adopting an older child in a few yrs (3 to 5yr old) I know that it is difficult to adopt infants in the US(we don’t want to travel) but how hard is it to adopt a 3 to 5 yr old? Thank you!

  48. Francis June 27, 2013 at 1:10 pm #

    Bush added $4,899,100,310,608.44 to the national debt in 8 years.

    Obama has added $1,329,707,699,695.50 to the national debt in 9 months.

    At this rate Obama will add $14,183,548,796,752.00 to the national debt in 8 years.

    This is without any new health care spending.

    Can we afford the Democrats?

  49. Cory June 28, 2013 at 8:52 am #

    How much would decent health insurance cost in the USA
    for an elder person, say 65, who has no health history in the us due to being an immigrant?

    I am talking about the decent type of health insurance one gets when working for a fortune 500 company with low premiums and 20 dollar copays.

    ANy advice?

  50. Merlin July 4, 2013 at 8:36 am #

    they operate close to a monopoly in most states. not much of a choice out there.

    what is wrong with Public Option, it would foster competition. why wouldnt health insurance oligarchs welcome competition, because they are ripping us off good?

  51. Enrique July 14, 2013 at 2:26 am #

    This means that we must pay $4,000 out of our pockets until our insurance kicks in. We cannot afford that. Approximately how much will the hospital charge us for having a baby?

  52. Dione July 23, 2013 at 3:36 am #

    We have been hearing of a “health care crisis” as long as I can remember…that’s at least since the 70s. In order to get to the root of any crisis, you have to identify the start of the crisis to identify what set it in motion. So I’d like to know when you think the health care situation became a crisis.

    Any thoughts?

    If any Repubs choose to answer this question, I’d appreciate if you identify yourself as such. Thanks.

  53. Golden August 2, 2013 at 9:05 pm #

    Me and my husband lost our jobs and with them, our health insurance. We are still due for many vaccines for our 5 month old baby. Is there any free or low cost immunization program in Texas? I just do not want to pay exorbitant amount of money for just seeing my pediatrician’s face.

  54. Patria September 5, 2013 at 2:37 pm #

    I have considered purchasing private insurance. My school insurance doesn’t cover the stuff I need it to.

    I was looking at humana’s plans. I came across one that was $87 a month but it had a $2500 deductible. If I were to get injured and have a hospital bill of like $4000, would it pay anything if I hadn’t met that deductible yet?

    Thanks.

  55. Mi September 22, 2013 at 7:28 am #

    I am going back to work for a co. I worked at yeas ago. I was paid for each lead I gave them before. Then I worked for a salary at another time. My husband had health insurance & I was considered a contractor so none of this mattered.

    I took off for several years & my husband & I were in our own business.

    Now that I am going back I don’t know how much work I am even going to do. I know I created my job before so I will do the same again. This time I need health insurance. I don’t think they provide their worker’s with eye & dental butt they buy something for that on their own.

    My question is that if the owner tells me he will pay me $15 a lead, I am thinking fo telling him I will take $10 with health insurance. Is that ridiculous?

    I believe we have to dream big so that is not what I am asking. I am asking how I can figure out if this is practical from my employers point of view. I know he really cares about me. From a business perspective how can I make this happen?

    Do I need to promise him a certain amount of leads each day. At one point I gave him 40 a week & I used to clean the building. I got burnt out. So I am not cleaning anything anymore.

    If I gave him a certain amount of leads a day for a lower pay…well, is there formula for this? Thank you.
    I have a pre-sxisting conditions so there is no way I can pay for insurance on my own (diabetes)
    I don’t think either one of you really understand the Affordable Care Act. The person I work for has less than 50 workers so this doesn’t apply to him. To the person who says it has taken care of that, it isn’t even in effect completely & is now being delayed because many business owner’s have not figured out what they are supposed to do.

  56. Retta September 22, 2013 at 5:20 pm #

    Lots of companies take part or all of the cost of health insurance out of their employees checks.

    Will this practice stop because of Obama’s health care plans? And force employers to pay 100% of health insurance costs?

    Wont that cost the US jobs?

  57. Chantal September 23, 2013 at 6:08 am #

    I have gynecomastia caused by antidepressants I took years back. Is there any way that I can get my health insurance (Blue Cross Blue Shield) to cover it? After all, this is to correct a problem caused by medication, not simply an ordinary cosmetic procedure.

    Any help is appreciated.

    Thank you.

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