If You Do Not Have Health Insurance Because It Is Too Expensive Here Is A Pleasant Surprise. - By: Don Saunders

An astounding one out of five adult Americans feel that they cannot afford acceptable health care according to the latest figures released by the Centers for Disease Control. So, are you amongst the 40 million individuals who are not able to sleep soundly because of the fear of not being able to meet the cost of treatment should you have an illness or accident? Perhaps more to the point, have you got to be among the 40 million?

The report of the CDC which was made public in 2007 and explored health across the US looked in some detail at a number of aspects of health care and showed that:

1. One out of 10 people are currently unable to meet the cost of prescription medicines.

2. One out of 10 people put off seeking medical treatment as a result of the price.

3. As many as almost one in three young people between 18 and 24 have no normal source of medical treatment or health insurance.

4. One out of 10 people aged between 45 and 64 have no normal source of medical treatment and in the region of 50% of this group find themselves with high blood pressure, a serious heart problem or diabetes.

5. Twenty percent of individuals below 65 years of age are uninsured for at least a portion of every year, with most having no insurance throughout the 12 month period.

Many people are lucky enough to receive health insurance cover for themselves and their families through schemes operated by their employer, though escalating costs are forcing a growing number of employers to reduce their employee health insurance plans or to drop them altogether. There are however also many millions of people who do not qualify for cover under their employment and who need to make their own arrangements. It is for this latter group that health insurance is usually thought to be simply too costly.

But are you right to dismiss the idea of buying health insurance merely because you consider that it costs too much? Health insurance comes in numerous shapes and sizes and, in spite of the fact that a traditional indemnity plan can be expensive, there are many affordable options.

In simple terms health insurance plans fall into two broad categories comprising disability income plans and medical expense plans. The first is designed to cover your lost income when you are no longer able to work as a result of disability and the latter provides cover for medical bills as the result of accident or injury.

Each of these forms of health insurance can be purchased as a single plan or separately and individual policies can further be broken down to cover particular areas such as accident coverage, hospital care, major medical expenses, basic medical expenses and a great deal more.

As if this were not enough, cover nowadays can be provided by not merely traditional insurance companies, but also by many group organizations, companies such as Blue Cross and Blue Shield, health maintenance organizations and preferred provider organizations, each of which can provide a wide range of policies with payment options to suit more or less any budget.

If you are frightened by the thought that you simply cannot afford health insurance then think again. You might not be able to afford a comprehensive plan covering all eventualities but the odds are that you will be able to find a plan that will give you at least enough cover to provide you with some peace of mind.

About the Author

Find out the facts and get professional advice and a free quote on everything from personal affordable health insurance to temporary health insurance coverage at MedicalHealthInsuranceToday.com

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