Finding The Right Plan

May 16th, 2013 by Navid J. Leave a reply »

In California, there are many options when it comes to health insurance.  Many carriers are trying to sell you their insurance plans based on the strength of their network, coverage and affordable prices.  However, recently, it has been more and more difficult for consumers to find affordable health insurance plans.  This does not just apply to California health insurance plans, many people across the country are dealing with high price insurance options.  This is part of the main reason Obama passed the health care reform laws over three years ago.  His ultimate goal is to make health insurance more affordable for all Americans.

In 2014, no one can be denied health insurance, regardless of your pre-existing condition.  So this is a really good thing.  However, no one really knows the true impact that will have to prices.  Keeping the cost constant for a bit, then it will come down to coverage and carrier.  When shopping for individual health insurance in the near future, it will be important to understand everything you are getting when making a decision.  Research if your doctors are covered with the carrier.  Know what is the difference between out-of-pocket maximums and deductibles.  Figure out which coinsurance limit will be best suited for you and your health history.  We will find out real soon how the health insurance industry will evolve because of the health care reform.

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