Health insurance is a complicated subject and is unfamiliar territory for many consumers. If you’re like most people, you’ve received your previous health insurance coverage under an employer’s plan sponsored by your employer or by the employer of someone else in your family. With this type of group coverage, there are no medical underwriting requirements, you cannot be restricted from coverage based on your individual health condition, and you will pay reasonably low premiums while receiving a relatively high level of coverage and medical care.
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Across the United States, health insurance has become the subject of a national conversation. Issues include the number of uninsured families; the effects of illegal immigration on health care costs; the trend of companies towards dropping employee health coverage due to rapidly rising rates; health coverage for our aging population: and, always, the rapidly escalating costs for health care and health insurance.
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