Even though we all need health insurance, over forty million people in America don't have health insurance at all. Whether this is because they believe they don't need coverage, or because they can't afford soaring premiums, these people are running a risky gamble. Unexpected illness or accident can result in huge medical bills. A trip to the emergency room can run you thousands of dollars. Outpatient care can be ten times that, and a stay in the hospital is even more. Health insurance is a very important safety net to keep us out of medical debt and make sure we can get the care we need.
We used to be able to rely on our jobs to give us good insurance that would take care of us when we got sick of were injured. A competitive economy is causing many employers to believe that insurance benefits are another cost to be cut, depriving many Ohio individuals and families of the health insurance they have relied upon for so long. Without these benefits, many people in Ohio don't know where to turn for good insurance.
All states now have programs that will cover children whose parents can't afford health insurance, but fewer have programs for low income adults. Check with the Ohio insurance and public health boards to see if you will qualify for assistance. If you're out of that income bracket, you'll either have to seek individual plans or group insurance. If you're a member of a club, association, or professional organization, you might be able to get insurance benefits through that organization. Insurance companies offer better rates to groups, so you'll have an easier time finding affordable insurance. Failing that, you can compare the individual plans of various insurance companies.
The easiest way to do this is to look online. Most insurance companies maintain web pages with information about their rates and plans. You can get personalized quotes on these sites by submitting a little bit of your personal information. It's easy to gather all the information you need to find the most affordable insurance plan that will meet your needs, including market and industry ratings about the various companies. Be sure to check the background of any prospective insurers you find on the Internet. Not all insurance companies are created equal, and you want to know that the one you're signing up will be fair and also able to take care of you if an emergency strikes.
You can also find out what kind of plans are offered by companies operating in Ohio through the state insurance board and local insurance brokers. Brokers don't work for any particular company, so they will be unbiased in their recommendations and help you find the best plan for your needs and budget. With a little bit of work and research, you can have an affordable insurance policy that will cover you in times of need.
We used to be able to rely on our jobs to give us good insurance that would take care of us when we got sick of were injured. A competitive economy is causing many employers to believe that insurance benefits are another cost to be cut, depriving many Ohio individuals and families of the health insurance they have relied upon for so long. Without these benefits, many people in Ohio don't know where to turn for good insurance.
All states now have programs that will cover children whose parents can't afford health insurance, but fewer have programs for low income adults. Check with the Ohio insurance and public health boards to see if you will qualify for assistance. If you're out of that income bracket, you'll either have to seek individual plans or group insurance. If you're a member of a club, association, or professional organization, you might be able to get insurance benefits through that organization. Insurance companies offer better rates to groups, so you'll have an easier time finding affordable insurance. Failing that, you can compare the individual plans of various insurance companies.
The easiest way to do this is to look online. Most insurance companies maintain web pages with information about their rates and plans. You can get personalized quotes on these sites by submitting a little bit of your personal information. It's easy to gather all the information you need to find the most affordable insurance plan that will meet your needs, including market and industry ratings about the various companies. Be sure to check the background of any prospective insurers you find on the Internet. Not all insurance companies are created equal, and you want to know that the one you're signing up will be fair and also able to take care of you if an emergency strikes.
You can also find out what kind of plans are offered by companies operating in Ohio through the state insurance board and local insurance brokers. Brokers don't work for any particular company, so they will be unbiased in their recommendations and help you find the best plan for your needs and budget. With a little bit of work and research, you can have an affordable insurance policy that will cover you in times of need.
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