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Individual & Family

A health insurance blog dedicated to news and trends important to Arizona individuals and families.

When someone is looking for a new job or is negotiating salary and benefits, one of the most important things they’ll try to negotiate or obtain is health insurance. Buying Arizona health insurance on your own can get expensive and is sometimes difficult, and working for a large company or business likely means more coverage or your employer will foot the bill for your health care costs. It is sad to think about how many more people would be able to start their own business and create new jobs in this country if they didn’t have to worry about the cost of individual health insurance. Many people want to dive head first into creating their own business, but themselves and their families can’t afford to go without healthcare. Individual health insurance for self-employed individuals is often cost-prohibitive because it is so expensive. Especially for people who have a pre-existing health condition, or those who need to insure their entire family, getting medical insurance without the benefits from a big company is sometimes unrealistic. Fortunately, entrepreneurs are able to get some relief in the form of a tax deduction, making health care for people who are self-employed obtainable.

Sunday, 31 January 2016

Important Obamacare Facts to Know

Deciding on health insurance for yourself and your family can be a difficult decision, especially because there are so many options. There are individual and family plans, group plans, Medicaid, Medicare and ObamaCare. While group plans through an employer can be one of the most cost effective ways to get insurance, that’s not an option for all people, and individual plans can be hard to navigate. Many people prefer to use Obamacare, but it can be a confusing option to navigate. The best way to choose an Arizona health insurance plan is to talk to an insurance agent, but before you do that it’s good to make sure you know as much as you can about your insurance options - especially Obamacare.

Medical emergencies are a strain for people. Whether it’s straining emotionally, financially or it’s just a big inconvenience, medical emergencies can cause problems at work, with families and in the future. Preparing for a medical emergency goes deeper than teaching children a plan if mom and dad are hurt or knowing how to escape the house if there’s a fire - the financial burden of a medical emergency can destroy a family’s future. Although you should always put your own and others’ health first when there is an emergency, there are also ways to lessen the financial burden on yourself or family when you do have a medical emergency. By being financially prepared for something bad to happen, you’re actually going to make that emergency less of a problem for your family and allow yourself and loved ones to concentrate more on getting better, supporting one another and keeping a regular lifestyle in the future.

family-smile-dental-insuranceParents are always looking for the best advice on taking care of their child’s teeth, starting as soon as their first teeth break the gum.  It doesn’t take long for a baby’s toothless smile erupts into a string of baby teeth, and this is a perfect time for the dentist to take a careful look at the development of your child’s mouth.  This also means that it is time for you to get your child on your dental insurance plan.

colorado-health-insuranceAre you new to buying health insurance? Most adults in the United States are relatively uninformed about purchasing health insurance; mainly because they’ve relied on employers to make these decisions for them.

Once you start looking at the various Arizona health plans available in the marketplace you will realize that choosing an individual plan can be quite complicated. Just the fact that most providers have catalog-sized health plan descriptions, and numerous coverage restrictions would make anyone a little intimidated, but the process of buying an individual Arizona health insurance plan doesn’t have to be tricky.

health_insurance_short_termAre you in straddling two health insurance policies – one that just ended from your old job and another that is yet to begin in your new job? Perhaps you are waiting for that new health insurance policy to take effect and your old company was too small to offer COBRA. If you're young and healthy, it is tempting to wait it out and hope nothing goes wrong with your health during that period. But industry analysts say this type of financial risk should be avoided. It is always smarter to maintain some form of temporary health insurance, even if it is just to cover catastrophic illness.

individual health insurance plans for arizonaThe health insurance landscape can seem so complex that people choose not to even attempt to understand it. If you are in the minority of people whose employer offers an affordable group plan that has comprehensive coverage you may not need to fully understand your options, but a vast majority of Arizona individuals and families are not in that boat. For everyone else, understanding the full spectrum of individual health insurance coverage options, and how they can compare to what you may have offered to you from an employer, is vital to getting the best plan for your situation at the most affordable price. This is where the experience of a knowledgeable insurance broker can be a lifesaver.

individual health insuranceThere are many reasons to be in the market for an individual health insurance plan. You may be self employed, your employer may not have a group insurance plan that works for you or perhaps you are currently between employment opportunities.

No matter the reason, when you work with an experienced insurance broker like the professionals at Anderson Insurance Services you are assured to find the best plan for you, at the best possible price.

Unlike large group plans, individual health insurance coverage can be highly customizable so that you have the exact options that best fits your needs - at an incredibly affordable price.

health_insurance_quotes_for_individualsAre you looking for affordable Arizona health insurance quotes for individuals?  It may sound impossible, but not when you have the right online broker working on your behalf.  When you work with a local Arizona health insurance broker, the customer service and personal attention go well beyond a free online quote.  It’s easy to find an online broker or automated quote from a site that wants to sell your information as a “lead,” but that only means you can expect the phone to start ringing moments later.  The most important thing to remember when you request health insurance quotes for individuals is to work with an experienced broker who will personally service your request.

arizona_health_policiesRegardless of your political position on Health Care Reform (a.k.a. Obamacare), there is one thing that everyone can agree on – Arizona health policies for individuals are much more comprehensive today than they were a few years ago.  Before the new healthcare legislation, individual health plans were not required to include preventive care coverage.  They were also more likely to have lifetime maximums in place for major medical benefits.  While the Health Savings Account (HSA) predates the new laws, it seems that more Arizona health policies have paired this tax-saving account with their high-deductible health plans. 

A rapid rise in unemployment has caused more and more families to be uninsured or underinsured, which has created a greater demand for individual health plans.  This, plus a greater number of independent contractors have been a boon to the individual insurance market.  This greater demand for unbundled Arizona health policies has given insurance carriers an incentive to be competitive. 

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