Tuesday, October 26, 2010

You Can Get a Cheap Health Insurance Plan Now Or Get Forced Into a Government Plan Later

As you may know, the health care reform bill has dominated the news lately. With the successful passage of the new bill, all Americans will have access to a cheap health insurance plan. The millions of uninsured Americans will now have insurance and have access to quality health care. In 2014, there will be state plans available that will be subsidized by the government. If you had difficulty finding a cheap health insurance plan, you will now have an opportunity to have insurance. However, like most legislation, there are many people opposed to this bill and for good reason.


Yes, many American will have access to affordable health care but this bill requires ALL Americans to have health coverage or face a fine. Yes, you will be fined for not having health care. Although there are many people who are uninsured due to cost, there are some people uninsured due to choice. There are people who rather not pay the extra cost of insurance although they may be able to afford a cheap health insurance plan. Many citizens believe it is their personal right whether they should have health coverage and the government should not be able to force them into a plan. If you don't find a cheap health insurance plan, the government will fine you every year.


There are groups of people who can't afford the extra expense of health coverage. Especially with today's economic condition, a lot of household budgets are pushed to the limit. In 2014, many households will be saddled with the expense of a cheap health insurance or the costs associated with not being insured. This can be a huge expense if you are unemployed or self employed and don't have the luxury of being enroll in your company's group plan. There is also the unknown of what type of coverage is included in the state plan. As of now, we don't know if the government provided plan would provide adequate coverage.


The best way to avoid being forced into a plan or paying fines is to start looking for a cheap health insurance plan now. By starting now, you have enough time to educate yourself on various plans and their costs. A good place to start is to search online for health insurance. You can search under "health insurance" and get plenty of results. You will get results from national and local providers. You should research all of them to be sure you are getting the best rate and coverage. All plans are not the same, so be sure you are comparing similar plans. Plans with higher deductibles are cheaper than ones with lower deductibles.


The health care bill will be put in place in a few short years. If you're not paying for coverage now, it's inevitable that you will pay one way or another; whether it is through fines or a new health plan. Start your research for a cheap health insurance plan now before you are forced into a state. If you wait until the last minute, you might find yourself settling for a more expensive plan with less coverage.