Health Insurance
While some countries have government health insurance plans most people in the US will have to buy their own health insurance.
Health insurance is a definite must have. The news is full of stories about the cost of health care. We've all heard of people who went bankrupt trying to pay for health procedures out of their own pockets because they didn't have, or have enough, health insurance. For these reasons, as well as the ever increasing levels of health costs, health insurance is a basic necessity and you should be budgeting for it.
A significant majority of people get their health insurance through work. Employers often have programs where employees get health insurance fully paid as part of their benefits package. Many employers even provide some level of coverage for part-time employees. It's an important consideration in any new job that you are interested in.
However, employers are not required to provide insurance. But don't despair. Group health insurance plans are available even for those buying health insurance on their own. Perhaps a club or other group you belong to has a group plan you could join. Costs are often significantly less than buying individual health insurance. It's worth looking into
Be aware that the sooner, you get health insurance, the better. In some states, your age can be a factor in higher cost health insurance. While you generally cannot be turned away or charged more because of your health status it is legal in many states to charge you higher health insurance premiums based on your age.
Don't have the money for health insurance? Depending on your income level your state may have free or subsidized health insurance. Most states have some level of Medicaid available for those who cannot pay the full costs of health insurance.
So, you're convinced about health insurance. Now you need to know a bit more about your coverage options. Health insurance usually comes in one of two choices: fee for service or managed care.
Click on the above shopping links to find out more information.
Don't forget to look at the other pages like: Health Insurance, how do I choose a health policy, group health insurance and individual health insurance, health insurance questions, long term care and save money health insurance to make an informed decision.
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