Affordable Health Insurance

The “Terminator” seems to be concerned about health care systems in California. Arnold Schwarzenegger, governor of California putting forth a comprehensive reform proposal for health care systems has urged citizens of California to vent their need for changes. He said that California, with 6.5 million uninsured citizens, is facing problems like denial of coverage to a lot of people and those that do have insurance remain worried about the chance of losing it. Along with his faith in AARP which according to him never retreated from huge challenges, governor Schwarzenegger has talked about the possibility of a cost effective, affordable health insurance and health care system.

The need for affordable health insurance access is not only confined to California, but is spread all over America among its citizens with various philosophies on the most appropriate way to achieve it. Massachusetts, Ohio, Indiana, Michigan, Missouri, Illinois, Texas and Pennsylvania are just some of the places where the issue is publicized and state legislatures and the governors planning according to the state’s requirements. Usually a better way is through SCHIP, Medicaid and Medicare where the government is able to keep providing the poor, disabled and elderly with affordable health insurance, leaving the market of private insurance with the option of providing everyone else with affordable plans. Some people however, regardless of the consequences like higher taxes, lower quality and delayed treatment, think that everyone should be insured by the federal government. The marketplace provides good quality affordable plans than the government does.

The health insurances provided by the employers to their employees are cheap, but do not give enough coverage. For example, some of the group health insurance plans do not cover employees’ families, hence necessitating the purchase of additional private health insurances. With a large number of companies competing in the market providing a vast range of types of plans to choose from, customers should find the plan which is just right for them.

Reducing the coverage reduces the cost of the plan, for example if one decides to buy a plan only covering contingency cases then selecting an affordable health insurance is not difficult. Unlike life insurances where the premiums are fixed at the beginning and remain unchanged for the policy’s duration, health insurances have validity for only one year, after which they need to be renewed when the premiums can vary.

A low cost, affordable health insurance plan does not necessarily imply a low quality plan, as a little research and strategy can help in finding the plan which the covers just the areas that are essential.

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