The great news is that over fifty percent of Americans have group medical benefits! This fortunate group of people get medical benefits from their job and probably don’t spend much time worrying about health insurance.

But what about the other fifty percent? This means millions of people in the US are forced to find other ways to get their health coverage. These people who lack group medical plans will have to purchase private insurance or find a government program to help while millions more don’t have health insurance at all.

If you have a business or a job that doesn’t supply group health insurance, you should look into an individual policy from a private insurer. This is the best option for the self-employed or employees of companies that do not offer group plans. However, individual health insurance companies do not have to accept everyone who applies for a policy. They will underwrite each person who applies to company and state guidelines.

If you have been declined, don’t stress, you still have options. All states have options to help cover people with pre-existing conditions which are referred to as high risk pools. There is also a national health pool that is being put into effect as part of the new health reform. The specific details of the state and federal plans will be different according to the area you live. Premiums will vary by state or county as well as each specific medical provider will also vary.

The idea of state programs have been around for many years and have helped millions of people find coverage. However, in some states can much more expensive than others which have forced people to go without any health insurance at all. Some plans also have waiting periods for pre-existing conditions and won’t cover your needs right away. This turns out to be a big problem for people with an immediate need for health care.

The federal high risk pool was created to help solve some of these problems for people looking for health insurance. Since these programs are subsidized by tax money, the premiums are usually much more affordable. One good way to be more knowledgeable about health is to search the web. There are many great websites you can search just by simply searching for the high risk health plan in your state. The websites will explain each plan available to you, how to qualify, and how much it costs. These sites can also offer information about the federal plan.

A high risk health pool might not help everyone though. If you are out of work, or have a low income, you still may not be able to afford the plan. If you read through the plan information and still do not think you can afford it, it might still be helpful to contact the agencies to find out about more available options. If that still does not help you, you can look into low income health insurance choices that you may qualify for. Some people can find coverage with programs like Medicaid, and CHIPS, for children of low income families.

As it’s the best idea to have auto insurance before you have an accident, use that same mentality about your health care needs. It doesn’t always work out that way, but educate yourself and make the best decisions possible. For a free Health Insurance Quote or answers to your insurance needs visit us at Oregon Insurance Quote [http://www.oregoninsurancequote.net/]. We will make sure you’re headed in the right direction.