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Health Insurance – Why You Need A Plan

Health insurance—you’re probably always hearing something about health insurance, but don’t understand why.

 

The main thing you need to understand, though, is the fact that people like you and everyone else across the country need some type of health insurance to make sure your medical needs are covered. If you don’t have Florida health insurance, you potentially face having to pay for your medical bills out of pocket—and those costs add up much faster than you would think.

 

Health insurance, in general, is a type of insurance policy that protects you against accumulating medical expenses. Most health insurance providers, in fact, describe health insurance coverage as insurance coverage that ‘provides for the payments of benefits related to injury and sickness.’

 

Your standard health insurance policy is essentially a contract between you, as the policyholder, and your insurance company, the insurer. If you are employed, your health insurance will be handled through your company, providing you several available health insurance options for you to choose through company-sanctioned initiatives.

 

Health insurance, Florida and… you

 

In Florida, it’s said that at least 3 million people go without health insurance, despite the now available health insurance options on the market.

 

The state of Florida is actually one of two states with over 100 healthcare plans available for residents living within the state. As of early October (October 1st, 2013), residents were given an ‘average of 102 healthcare plans to choose through federally run online health plan exchanges or marketplaces.’

 

The online marketplaces, in fact, were apart of the first ‘wave’ of initiatives instated by the Affordable Care Act this year. Although the online aspect of the process was designed to let people efficiently register for healthcare, the website built for the task experienced heavy technical difficulties. Though, more on that later.

 

The recent health insurance initiatives within the United States this past week were expected to make make ‘nationwide insurance premiums at least 16 percent lower than expected by the government.’

 

According to that data, the average individual on a middle tier plan would pay at least $300 before tax credits. In relation to that, 27 year old Floridians making at least $25,000 a year would pay about $200 for their monthly premium on that same healthcare plan.

 

Though, in comparison to the 27 year old residents, families who live in certain Florida counties would pay less than $100 per month for their insurance premium, depending on their income.

 

This goes for families in counties like the Miami-Dade county area, who would pay an average as low as $70 per month after tax credits, if they earn about $50,000 per year with a low cost health care plan. Alternatively, families who choose a middle tier plan in the same counties would have to pay about $800 per month in the same income bracket and without tax credits.

 

What this indicates is simple: although the Affordable Care Act has opened more health insurance options in Florida, many families and individuals won’t get the ‘break’ they’re looking for if they don’t opt for a low tier plan.

 

Lower tier plans are likely enough to provide enough Florida health care insurance coverage for most. People who want more out of their health care plan will have to research and weigh their options.

 

Looking for affordable options

 

If you’re one of many residents in Florida who need more from their health care plan, there’s another way that you can secure a more comprehensive plan without compromising your healthcare options.

 

For one, an insurance quote can help you figure out whether or not your insurance premium is at a price you’re willing to pay per month. Florida health insurance quotes, as an example, provide the most up to date information about the cost of health care in Florida. Even if you take a look at the many health insurance quotes available on the web, you can get a good idea about how much you might have to spend on health care.

 

Insurance quotes, in general, are an estimate of what your insurance rate could potentially be at any insurance provider within the state.

 

Florida health insurance quotes do change over time, usually when the conditions of the market change. Though, insurance quotes also change depending on how much information you provide the insurance quote provider. The more information you provide, the most accurate your quote will become.

 

Even if you provide as much information as possible, you’ll never have to wait any longer than 15 minutes or so for an accurate quote. You can also get accurate Florida health insurance quotes from an insurance provider, though you may have to continue shopping around afterward. Always shop around for a good healthcare provider before settling for just one.

 

Securing the best health insurance plan

 

Although it’s easy enough to find a health insurance plan online and enroll in person, new initiatives with the Affordable Care Act changed that.

 

From October 1st of this year, and through to March 31st of the next, health insurance consumers were given a change to get an early start in their health insurance enrollment process. Consumers have until December 15th to enroll, if they want health care coverage starting January 1st.

 

The new enrollment initiative went live on October 1st via the website healthcare.gov, immediately attracting a large amount of traffic. What happened, however, was quite detrimental to the notion of enrolling into a health insurance plan online, and in other’s eyes, detrimental to the Affordable Care Act.

 

Although hundreds of thousands of Americans visited the website to enroll, the website failed to work. Many visitors couldn’t even contact the website’s technical support staff for assistance. As a result, only 1 percent of an estimated 3 million people were able to enroll. So, what does this mean for registering and enrolling into affordable health care plans online?

 

The situation with healthcare.gov simply indicated that the government didn’t take precautions to ensure that a ‘stronger web infrastructure’ was in place before millions visited the website. Websites, naturally, need to be ‘equipped’ to handle large amount of traffic.

 

With a system that was supposed to be as intricate as it was intuitive, healthcare.gov should have been adequately prepared enough to handle the millions who wanted to enroll in healthcare. Despite that, the Florida health insurance provisions available under the Affordable Care Act available now should allow residents to have more technically affordable health insurance plans to choose.

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