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Understand individual plans

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THERE IS NO LOWER RATE than what is available here state by state. You can't buy any of these plans at a lower price from an employee of a health insurer or from any one else. Each health insurer sets its own rate, period, no matter who is allowed to offer it. No insurance agent/broker (producer) can adjust the premium for any of this coverage. More...

Discount Health Insurance
Is it possible to get a discount or special savings? Can the same plan be bought cheaper from one source than another? Are there any special deals for health insurance coverage? Can I join a group and get a group rate to lower my cost?   More...

Association Health Insurance
Forming a group or association for the purpose of buying insurance is prohibited in most if not all states. Even if such a group could be formed, the group would likely have a disproportionate percentage of members with pre-existing conditions and so increase the premium cost. If the members are screened for health conditions, they may as well buy individual plans as form a "group" to buy it.   More...

Individual Health Insurance
Various types of individual health insurance have evolved over time. New plan designs and claims payment arrangements have been introduced in response to continuing medical inflation. These efforts at controlling claims costs have met with limited success.   More...

Good Health Insurance
Good health insurance is reliable which means that it is regulated to make sure that it is financially strong enough to pay claims. The cost of regulation is not responsible for today's high premium rates. So why trust "health insurance" that is not regulated by the state's department of insurance? If it's too good to be true, it probably is.   More...

Low cost Health Insurance
The categories and cost of health insurance are based on who is buying it, individual, employer, union, or association. There are different government mandates for each category as defined by statute, varying state by state. If you are not covered by an employer and have to look for individual low cost health insurance, there are some issues to be aware of. If you think an "association" has a special plan for you, it may not be what you think.   More...

Health Insurance Deductible
Health insurance terms can confuse the novice health insurance purchaser. They are sometimes used in different ways, e.g., out-of-pocket usually means the annual total of any deductible, any coinsurance, and any copays. However, in their marketing materials, some companies use the term out-of-pocket to mean only the coinsurance portion. This can easily mislead the health insurance buyer.   More...

Health Coverage
There are different ways that health insurance plans are structured when in comes to medical provider membership and claims payment. The tighter the cost control measures, the less providers are likely to join. The method of reimbursement to primary care physicians also varies. One attempt at cost control in some HMO's is called "capitation, where the primary care doctor is paid a flat rate per patient, instead of per service rendered.   More...

Term - Health Insurance
Health insurance can be short term or long term. An additional, often unexpected out-of-pocket expense in some plans is an addition to the deductible when a hospital or emergency room is used. Limitations and exclusions should also be examined to be sure you know what you are buying.   More...

Health Insurance Companies
It's important to deal with reputable, reliable insurance companies. There will be some difference in value between them because one will have a better value for one plan design and not another, and one may be more competitive in some age brackets than others. It pays to compare, but only between reliable companies.   More...

Health Insurance Agents
The role of the insurance agent or broker is often misunderstood. The only reason for them to be in business is because many insurance companies prefer for the most part to use independent contractors instead of media advertising and employees to bring in new business. The insurance company can't stay in business as thriving enterprise unless there is a flow of new applications. What is the most economical way to do that?   More...

About Us - Health Insurance 'Broker'
We are called an insurance broker in everyday language, but the license in most states is that of "producer". We help you buy direct from the insurance company, and help you compare between companies and plans, but really don't and can't "broker" anything.   More...

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