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Health Insurance: Premiums and Increases

The high cost of health insurance premium has been a cause of concern for many in the U.S. and it turns out to be a significant factor causing many Americans to go without coverage. There are many people who are jobless so cannot access insurance coverage through a job. Besides, lacuna prevailing in eligibility requirements for public coverage may leave behind many without an affordable option. Most of the uninsured come mainly from the low-income working families. Owing to inaccessibility to health care this group is not able to avail preventive care and services for serious health conditions and chronic diseases. However the introduction of the Affordable Care Act has changed this scenario of US Health Insurance to some extent as its main goal is to expand coverage to the large number of uninsured people. This has been made possible with the help of broadening the scope of Medicaid eligibility and setting up of Health Insurance Marketplaces in 2016. This will help in facilitating cheap health insurance for people from low income group.

Majority of the population in the United States receive insurance through their job or that of a spouse or parent. Part of the cost is paid by the employer and the remaining expense is covered by a monthly fee or health insurance premium paid by the employees. Medical insurance for the elderly, federal employees, military members and veterans and some people with low income is the responsibility of the government. Individuals can buy health insurance plans but they prove to be very expensive.

There are two main types of US health insurance plans. These are a fee-for-service plan or a managed care plan. The first is fee-for-service plans which have been there for a long time now and it provides better freedom when choosing doctors and hospitals. The second is managed care plans whereby an insured person is required to become part of a health care organization that places some limitations with the aim of reducing costs. Purchasing online health insurance makes it easier to compare the costs and choose the most suitable option.

United health insurance serves provides a wide range of health benefit products and services for both consumers and sponsors. They provide service to people in employer-sponsored health plans, those enrolled in Medicare and Medicaid, and also those who buy health insurance plans. State health insurance companies in the United States provide a variety of coverage to individuals. Insurance premiums may vary from one state to the next. Most Americans are in search for cheap health insurance as that offers coverage in times of serious illnesses or hospitalization.

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