Showing posts with label health care insurance.. Show all posts
Showing posts with label health care insurance.. Show all posts

Should Smokers Pay More for Health Insurance?

Health insurance has become a hot topic in the United States. In a nation where around 46 million people do not have health insurance, any discussion related to the matter sparks up the interest of the mass. The public voiced their opinion through a survey that was carried out recently. As the survey reveals, most Americans believe smokers and obese people should pay higher health insurance premiums. However, there is currently no solution for the fact that a lot of people are still devoid of a proper medical insurance plan.
              
Over 1,500 individuals were surveyed for this study. 80% of the 1,500 individuals are not happy with the way the healthcare system works in the United States, and they believe the system needs to be fixed. With the current estimation, approximately 46 million Americans are still living without insurance because of the faulty healthcare system. While the 60% of the surveyed people agreed that smokers should pay higher premiums, 30% opined the same for obese people. 

The report also stated that as far as personal responsibility is concerned, people should be aware of the choices they make. Consumers also support the act of making people pay for their unhealthy behaviour. Increasing insurance premiums may be one of the ways, and this may also be applicable for health insurance for employees.



This is a real bad news for the cigarette lovers! While on one hand, this may anger the huge population of smokers, on the other, it is also expected to lower the number of smokers. The sum of money that smokers have to pay extra is quite huge. That is why if you want to save up money on health insurance, you will have to quit smoking.  

Finding the right Health Care Quotes

Health Care Quotes are the amount quoted by insurance companies on a particular insurance policy. Different companies offer different quotes according to their terms and conditions.
A good health can become your key to a successful life; on the other hand ill health can ruin your success. Every one of us wants to lead a healthy life but no matter how hard we try we may fall prey to something or the other. It may be a fractured hand or a fatal accident, no matter what; any medical problem can become the reason for a financial problem. Now days medical treatments are becoming expensive and a trip to the medical center may cost a fortune. Thus the best way to stay protected from financial woes during health emergencies is through health insurance policies.
Insurance policies covers any kind of medical emergencies from your hospital charges to your checkups it covers everything. You can take individual policy or a group/family policy. At times your office will provide you with insurance policy. No matter who provides it, it’s always in your best interest to have a health care policy. There are plenty of insurance companies that provide different types of health insurance policy for your benefit.
Different companies offer different health care quotes. The quotes depend upon the type of insurance you want and your medical history. If the company feels that you are at low risk of having a medical emergency then the quote will be low. However if you are at high risk of a medical emergency then the quoted amount will be high for you. It is important to know that quotes and policies are two different things quotes are the amount put in by the insurance company. Once you mutually decide upon the amount then the policy can be made.
Finding the right health insurance provider can be a daunting task. To simplify the task you can seek help from insurance brokers who will provide you with free quote selection that will let you choose insurance policies from different providers. With a broker you need not check out every policy offered by different companies. They will arrange the policy according to your specification. The best part is that you can take your time to decide and purchase the policy whenever you feel ready.