Affordable Health Insurance - Best Price, Best Coverage

 Finding the right kind of Affordable Health Insurance can be a long and frustrating process. Oftentimes, breaks are only given to businesses, because they offer the company more clientele. If you are a sole proprietor or independent contractor, Affordable Health Insurance is one thing you are always looking for. 

Many companies are offering health insurance coverage for the individual, but to get the best price, and best coverage it is a good idea to shop around. There are a few questions that will be asked when a company is considering you for health insurance coverage 

1. How old are you?  An older person is considered more at risk for chronic illnesses than a younger person.

2. Do you have a history of illness? Diseases such as type II diabetes or Cancer can affect whether you are approved or not. An insurance company won't cover somebody who is going to be more of a loss for them.

3. Do you drink or smoke? This one should be obvious, since people who choose to do this risk, getting life-threatening diseases.

4. Are you male or female? Funny, but this does come into play when looking for Health Insurance.

5. Whom are you going to cover? If it is just you and your spouse, insurance companies will usually charge more (because they assume you are an old couple)

A simple search on the Internet can help you find the health insurance coverage you are looking for. Be careful about the company you choose, make sure it is a real insurance company, some companies offer things like cafeteria plans or a plan that must be approved by a board before you can be treated. 

Others, such as AFLAC are not a good choice if you are looking for full health insurance coverage. Some companies tell you not to drop your current coverage, because their plan may only cover certain costs, so they are a secondary insurance plan.

It is a necessity to carry insurance nowadays. Hospital and doctor bills can easily make a person claim bankruptcy. It pays to take the time to research the right company that will best fit your insurance needs.

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