By David Ross
You may think health insurance is too expensive for you.
And it is true that health insurance policies offered in the Obamacare Marketplace ("Affordable Care Act" policies) are astronomically expensive, have ridiculously high deductibles, and are only available from a dwindling number of companies. This recent article reports rates for ACA coverage are expected to jump another 90% in the near future.
What the mainstream news doesn't tell you is this: LOW-COST HEALTH INSURANCE IS AVAILABLE!
You cannot afford to NOT have health insurance.
Just because you consider yourself “healthy” doesn't mean you can afford to go uninsured.
I recall a man who told me just that a few years ago. He was hesitant to buy insurance, being a 40-something who never went to the doctor. He finally decided to get coverage for himself and his new wife, mostly out of concern over the then-existent tax penalty for not having coverage.
He went the next year-and-a-half paying his premiums, but never even going to the doctor.
And then – he was shot. A totally random event put him in the hospital with serious injuries and serious medical bills.
Another client, a sixty-year old man, the owner of an auto body shop, didn't have coverage when I met him. His reason for not having health insurance? He said his insurance had gotten too expensive so he had dropped it for himself and his employees. When I told him about our low-cost policy, he jumped at the chance to sign up.
Seven months later he had a heart attack, and almost immediately had over $75,000 in medical expenses. His new insurance plan, the new one I helped him get, covered his expenses, and all he had to worry about was getting well.
Not all stories end as well.
Recently a friend on Facebook posted a link to a GoFundMe page, asking for donations to help pay medical bills for her uninsured daughter-in-law who had been severely injured in an automobie accident. The post said the hospital had dismissed her after only four days because she didn't have insurance, though she still needs additional care and therapy. Why didn't a young mother have health insurance? Did she think she couldn't afford to be covered, or did she think she would never need health insurance?
She could have had a great health insurance plan for about $120 a month.
The man who got shot had coverage – including dental insurance plus an extra critical illness rider that would pay him $50,000 should he be diagnosed with a critical illness – for about $220 a month. That includes both him and his wife.
The 60-year old's coverage cost him about $400 a month, and saved him over $75,000.
These are incredibly low rates, and are certainly affordable for most people. Of course, no one likes paying for something they aren't “using.” Heck, I don't like paying for things I do use, like cell phone service and gasoline.
But like cell phones and gasoline, in today's world, health insurance is a necessity.
For details about our Expected Benefits health insurance plan, visit our site.
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• Independent Life & Health Insurance Agent
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