If you have been following any major news agency you have seen a lot on television making you believe that you are going to start getting cheaper health insurance as health care reform laws start to take effect in january of 2011. This may be true is some cases but as we look around at policies, most people are seeing increases of over 15% on their individual health insurance premiums, this is not what we would call affordable. This can be com batted however by working with multiple carriers and looking through all of your options for coverages. You may for example be under a cadillac health plan which has little out of pock and copays or coverage for everything under the sun, well this may seem great, it is also costly and you may not be using the benefits that your are paying a large amount for. You might find yourself in a better position and find a more affordable health insurance quote by working with a major medical insurance policy. Major medical plans typical offer the needed benefits for hospitalization but they have a deductible and some for of coinsurance with a out of pocket limit. After you meet this limit virtually everything is covered on a quality policy, however a consumer should always be careful.
Although we believe that health care reform will keep the insurance industry on its toes, it is important for consumers to be their own advocates and by allowing many carriers to compete for their business they can reap great rewards and low cost cheap health insurance. Within the last week our online health insurance firm has provide savings to over 100 people.
