Affordable Health Insurance?

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For those who are convinced that there must be a way to get the same plan at a cheaper price:

insurancebrochure Affordable Health Insurance

Hoping for non-existent angles like these when looking for affordable health insurance may send the health insurance buyer looking in the wrong direction.

False assumptions can result in not getting the best help and not making the best choice. However, the sensible shopper can make a good decision because experienced help is available at no charge. Call if you need help.

Health insurance is so expensive, the possibility of a discount or other money saving angle to get low cost affordable health insurance may seem worth pursuing. Why pay more than you have to?

Even if there are no discounts, maybe there are other ways to save, like cutting out the middleman and avoid paying the agent's or broker's markup. Why not deal direct and save?

How about joining an association to obtain a savings with the "group rate"? Or ask at the doctor's office for their expert recommendation on affordable affordable health insurance because they would know best. Or find a way to stop those greedy insurance executives from pocketing all that money so we can all get reasonable affordable health insurance!

Unregulated Insurance

What if you were "lucky" enough to find low priced affordable health insurance at half the price of other companies, but it isn't licensed by the state? How could it have enough income to pay claims like real insurers do? Such an apparent monetary miracle would eventually collapse, leaving the gullible groaning again when stuck with large unpaid claims. Whether it is derived from a scam or bad management, too low a price can cause as much or greater a loss than too high a price.

Here is a comment on the topic from a state insurance regulatory authority (neither affiliated with, nor endorsing anything on, this website).

Believers Insurance

Believers affordable health insurance

Unregulated "promise to pay" programs operating under the umbrella of religion also continue to fool the foolish. Without oversight from a state regulatory body, the believers are always risking financial abuse by trusted insiders or mismanagement from well-meaning incompetents. It's better to have a higher out-of-pocket arrangement with a licensed insurer than a really great deal from an unlicensed house of cards.

To keep premiums down, consider buying an HSA qualified plan instead of such risky programs. Sound affordable health insurance must be good enough to meet the minimum standards of state regulation to be dependable.

Discount Health Insurance

Trustworthy, financially strong health insurance companies have to collect enough income to pay claims. They also need to operate as efficiently as possible. How could a legitimate health insurance company intending to stay in business afford to give a "discount"? There would be inadequate income to pay claims and cover operations costs, and other insureds would have to pay more to make up the deficiency.

If there is a government program with a "discount", that is feature of a government program, not normal health insurance. Insurance companies can not collect taxes, just premiums.

It is easy to misunderstand and not make the best purchase. We strive to help you get the facts you need to know so you can make the best decision for you. Call us if you need help with affordable health insurance.

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