What Should You Do if You Think You Can’t Afford Health Insurance in 2014?
If you have searched for health insurance and believe it is too expensive, please let us help you find a solution that meets your needs and fits your budget. The worst thing you could do is remain uninsured because the premiums feel out of reach.
We can often find a plan that fits into your budget by making adjustments to some of the features of the plan.
For example, we can lower your monthly premium by choosing a policy with a higher deductible.
This is a trade-off, but one we feel is worth it if the other option is to have no coverage at all. Look at it this way:
What is the known? The monthly premium is known. When you select a policy, we know for certain you will be writing a monthly check for the stated premium amount.
What is the unknown? Your health care needs for the upcoming year are unknown. We don’t know if your health care expenses for the upcoming year will be $500, $5,000 or even $50,000.
But even if a higher deductible is something you may have trouble affording, you are still better off — way better off — having coverage with a high deductible than no coverage at all. At least you know the extent of your exposure for covered medical treatment for the policy year will be no higher than the amount of your deductible.
Raising a policy’s deductible is just one example of a way to lower the premium. There are other tweaks we can make to a plan’s options in order to get the premium into a more comfortable range.
Other Benefits of Having Health Insurance
Being insured affords you other concrete, money-saving benefits, regardless of the pricing or coverage options. For example:
- Lower negotiated rates for services. Health insurance companies work with doctors, pharmacies, hospitals, and other medical providers to provide treatment at reduced rates. If you are not insured, not only will you pay for all care out of your own pocket, but you will pay a higher rate for that care.
- Physical exam component covered at 100%. Under the provisions of the Affordable Care Act, physical exams are fully covered. Without health insurance, you lose this important benefit.
Everybody Must Have Health Insurance in 2014. It is the Law.
The Affordable Care Act (ACA) says you must have health insurance. But, we believe the reason for being insured goes beyond the government mandating it. Having health insurance protects you financially from the impact of major illness or injury.
Give our office a call today, or send us an email. Or click the button on the upper right for instant quotes. We can help you find the right policy to meet your specific needs.
Our phone is 800-867-0800 and our email is [email protected]
Our services are FREE!
But get in touch today because time is running out to get 2014 coverage. The deadline is March 31.
Please be patient as we manage a high volume of calls and emails.