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Health Insurance

Health Insurance may be a government-funded or privately-purchased program that helps you pay for the medical expenses. The government support is available in the form of a welfare program that targets mainly the weakest section of the society. Medicaid is an example of this. Medicare, on the other hand is a federally-funded social insurance program that is available for old age workers and permanently disabled. Besides, there exist health care coverage programs provided by a large number of health insurance companies in the various US states including California, New York, Texas and Florida.

Health Insurance Quotes

The health insurance quotes offered by a company may be different for different individuals, but remain the same across all companies providing the same product. This is because the prices are fixed by law for a product aimed at providing medical coverage to a particular group of users.
There are also federal laws, such as Health Insurance Portability and Accountability Act of 1996 (HIPAA) and Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) that govern employment-based health insurance coverage. One can also become eligible for federal subsidies through state-regulated plans like a health insurance exchange.

Health Insurance for Individuals

The health insurance quotes for individuals are dependant on the age of applicant and other family members. Information like whether the applicant is a tobacco user or the plan is being sought for a college student may affect substantially the cost of obtaining a health insurance plan and also the premiums and deductible.

You can search online to find online quotes from various renowned health insurance companies for individuals, college students, children, self employed, unemployed, small business, dummies, pregnant women and for many other consumer groups.

Health Insurance Companies

The US health insurance industry consists of a large number of health organizations and insurance companies. There are commercial companies that offer blue cross and blue-shield plans in a number of states. The Health Maintenance Organization (HMO), on the other hand, offers coverage programs through hospitals and doctors.

The Preferred Provider Organization plans offered by commercial companies are the most popular across all states. If you are looking for affordable and inexpensive health insurance plan, you may find good options at carriers like Aetna, United Health Care, Humana and BlueCross BlueShield. Companies like Tonik, Kaiser, HSA, etc also offer medical insurance options for a varied consumer group.

For more information on health insurance aspects like jobs, tax, calculator, claim form, grace period and maternity coverage, browse our website

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