Archive for the ‘healthinsurance’ tag
Health Insurance Crisis Uninsured
Health Insurance Crisis Uninsured
How to Get Inexpensive Health Insurance in Houston
Health insurance in Houston is in crisis. With 1.1 million uninsured residents, it has the highest uninsured rate among the United States’ top 10 metropolitan areas. If you’re uninsured here’s how to get inexpensive health insurance in Houston.
Options for Inexpensive Health Insurance
The best way to get inexpensive health insurance is to buy a plan through your employer. Unfortunately, Texas has a large number of small businesses that do not offer health insurance. Consequently, only 48% of Texans are covered by employer insurance policies.
Texas offers state-sponsored health insurance programs for the uninsured. Low-income individuals and families may qualify for Medicaid, although income limits to qualify are among the lowest in the nation. A Children’s Health Insurance Program is available for children whose families don’t qualify for Medicaid but can’t afford private health insurance.
Texas has no sponsored health insurance program for childless adults. However, individuals who cannot find affordable insurance because of preexisting conditions may qualify for the Texas Health Insurance Risk Pool.
To find out if you’re eligible for state-sponsored health insurance, visit the Texas Department of Insurance website (http://www.tdi.state.tx.us/).
Another option is to find out whether any groups or associations you belong to offer group health coverage as a benefit to members. These kinds of group plans are similar to employer-sponsored plans but may offer less coverage and higher deductibles. In addition, you’ll probably have to pay the entire premium yourself, although it should be less expensive than a private health insurance plan.
Finding Inexpensive Private Insurance
If you can’t find any group health programs, your other option is to buy private health insurance. Private health insurance is the most expensive, but you can save costs by …
* Setting a high deductible or co-payments.
* Choosing an HMO or PPO health insurance plan.
* Choosing a policy that offers just the coverages you need rather than comprehensive coverage.
The best way to get inexpensive health insurance is by shopping around and making sure you choose a low-cost policy. Go to an insurance comparison website where you can get quotes from multiple companies. With some of these websites you can talk with insurance professionals online or by phone to get answers to your insurance questions (see link below).
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Houston health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.
About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap Houston health insurance rate quotes.
Why is Lieberman against a public option? I’m most curious, because when he ran for president he advocated it?
Along with the tax credits, Lieberman advanced two other plans: MediKids and MediChoice. The MediKids plan would cover all children in America currently without health insurance – about 9 million, according to the candidate. Lieberman called the child health care crisis “just plain unacceptable.”
“[Under MediKids], when children are born, they will have a name, a birth certificate, and a MediKids card which would guarantee health insurance until age 25,” he said.
The MediChoice plan would offer lower health insurance prices by combining the purchasing power of millions of uninsured citizens, Lieberman said. Insurance company profits would also be limited to 2 percent, he said, similar to plans offered to federal government employees.
Because there is a crucial difference between Lieberman’s plans and Obamacare. Lieberman envisioned a plan that would be seperate from the Federal government.
Another thing that you should notice is that Obamacare is a fiscal train wreck. If you look into the details, there is going to be no way for it to operate without a taxpayer subsidy. The fact that the Democrats are not being honest with us about this is something that should concern you.
Face the Crisis: Unaffordable Health Care Coverage Hurts Every Texan