Affordable Health Insurance Rates
Hello World!
Like many Americans, I found myself without health insurance for a period in my life because I didn’t think it was affordable. But the whole time, I felt like I was living on the edge and needed to go ahead and make a health insurance choice. Once I did, I felt much better so I created a website to help others.
Then, I decided to ask around to see if any of my friends or associates were currently without health insurance coverage and why. Out of 30 surveyed, 6 had no health benefits (that’s 20%). They are self-employed, between jobs, students, or at-home moms.
Though it’s understandable why they may be experiencing a lapse in their insurance, I thought a rate of 20% was pretty high… or at least higher than I expected. So I asked why. All of them said they “never got sick”, and individual health insurance rates weren’t affordable in their current budgets.
Next, I asked what rates they were quoted (since they said it was so expensive). Amazingly, they all had the same response. Each of them indicated that they never even put much effort into finding health insurance because they already knew rates were high, and it was going to cost too much…. plus, they “never got sick”.
So then I asked, “But what about emergencies and accidents? What happens if you twist your ankle and think it’s broken? What happens if you’re making dinner and seriously cut yourself? Are you financially prepared to pay out-of-pocket for emergency and follow-up services without insurance?” Again, they each had the same response. This time, they all said ”no”. Then in dramatic fashion, I thanked them for their time and left them with that last question to think about, and a link to my website.
Within a week, one person started a new job and got group medical insurance at work. But, three others emailed me and said they got affordable, low rates on individual health insurance and affordable dental care after getting rate quotes from my site. I haven’t talked to, or heard from, the other two yet. (I’m going to follow up with them in another week or so… just for curiosity’s sake.)
The moral of this story is that I think it’s really a shame that people (including me) automatically assume that health insurance rates are financially unachievable without even checking around! With so much help getting free quotes out there, it’s worth the search. Anything can happen at any time. A low, affordable monthly insurance rate can save you a ton in the long run. Take the time for your peace of mind. It’s worth it, and we’re here to help you find it.
-Ken S.