Affordable Health Insurance Vs Expensive Health Insurance

Many people opt for the least expensive health insurance available to them and their family. As premiums go up year after year since the days of Obama’s Affordable Care Act people are constantly searching for ways to save money on health insurance premiums. The issue is not the cost as much as it is whether the health insurance policy coverage is right for you – not the monthly premium.

The good news is depending on the amount of medical expenses you want covered and the nature of any pre-existing conditions there are always a number of choices in healthcare policies and premiums available.

The good news is you can get health insurance with good coverage without braking the bank account. The primary factor when determining your coverage needs is what conditions or illnesses do you have? These conditions many times are referred to as “pre-existing conditions” and they have a major impact on premium amounts.

If you are healthy and do not have any chronic illnesses or pre-existing conditions, then the health insurance policies available to you will have much more attractive health insurance premiums. This same concept goes for your family; however, other factors to consider include planning for a pregnancy or the birth or adoption of a child.

In the insurance economy that we live in we are reviewing and changing health insurance plans annually. Even employees see their companies get bids annually from alternative health insurance companies (like Humana, Aetna, BCBS, Anthem, etc…) to reduce the company’s share of the premiums.

In the end, we all want to make sure we have the funds to cover unexpected medical expenses. In the deep pockets of the insurance companies the funds needed to cover medical and healthcare costs associated with chronic conditions are significantly greater in those with pre-existing or chronic conditions. Depending on the amount of medical expenses you want covered and the nature of any pre-existing conditions there are always a number of choices in policies and premiums available.

Georgia Insurance Brokers is here to help you wade through the myriad of choices, premiums and policies to get healthcare coverage for you and your family. Call GA Health Brokers anytime for a free consultation and we will review the health insurance policies available to you.