Challenges Facing the Uninsured

Uninsured families often find themselves in a double-bind when taking care of their health. On one hand, health insurance can be expensive: the monthly premiums charged by many HMOs and PPOs has surged in recent years – as much as 8% for group coverage in the last year alone. On the other hand, the same families who lack health insurance due to cost are significantly more likely to suffer enormous debts if a member of their family becomes ill or has an accident. Are you currently uninsured? Read the following sections to learn about:

• Problems you could face if you are uninsured
• Benefits of having a health plan
• Resources to help you find an affordable plan

Don't go a minute longer without a health plan. Request a health insurance quote today!

Common Problems People Without Health Insurance Face

Access to health services is a human right. Yet the number of people who don’t have health insurance plans continues to increase every year, and these people are increasingly finding that hospitals will turn them away on the spot unless they can pay upfront for non-emergency care. As this number of uninsured Americans continues to go up, their access to health services will become even more restricted because hospitals are providing ever-increasing amounts of uncompensated care.

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Benefits of Having a Comprehensive Health Insurance Plan

Every financial planner can tell you that health insurance is in the best interest of your pocketbook because uninsured people face an extraordinary liability in the event of sudden illness. And yet, uninsured people are significantly more susceptible to sudden illness. The explanation for this is based on some extremely troubling statistics.

First of all, uninsured people are 4 times more likely than the insured to use the emergency room or urgent care center as their primary source of care. This is mostly due to the high cost that uninsured families must pay to see a doctor for preventative well-visits, when most early-stage illnesses that might not have apparent symptoms can still be treated. As many as 30% of people without health insurance report avoiding an annual physical due to high cost; as a result, 18,000 people – most of them uninsured – died in 2006 from a preventable illness.

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Resources to Help The Uninsured Find an Affordable Health Plan

Now more than ever, it is vital for families and individuals to find a health insurance plan that covers preventative and emergency care. Many of these plans are designed with low-income families in mind. Even if traditional HMO and PPO plans are out of your budget, you might be able to take advantage of alternative health insurance plans that charge lower premiums. There are many options for affordable health insurance that low-income , high-risk, and aging people may be able to take advantage of, and this site is designed to help you research the benefits and potential drawbacks of each policy.

Protect the health of yourself and your family. Request a health insurance quote today!

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