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Individual or Family Health Insurance Options
As more and more individuals working at home with or without families find themselves without some kind of group health insurance. Sometimes even working at a job, no health insurance is even offered.
Thousands of hard-working people in every state are making dangerous choices: No health insurance at all! They believe they are too young or too healthy. They believe they "save a little or a lot of money" and can do without.
Consider your friends, family and neighbors - people who may have been sick or injured. The fact is, even healthy people may end up with a serious medical condition that can be extremely costly to treat.
Now you can consider how much of a terrible ordeal would be without some kind of quality health insurance to pay for thousands of dollars in doctor fees or hospital bills!
When you really think of it and ask yourself this question ? "Can I afford health insurance?" and more importantly: "Can I afford to be without it?"
You have to determine whether you are young if I really need the insurance. There are other types of insurance that gives you a discount on all your doctor and hospital bills.
Health insurance is not cheap but if you are over 35 years old, you probably should rethink whether you need individual or family health insurance coverage or is the discounted health insurance really right for you. One illness can put you in debt.
If you are an individual you might pay $400 getting the insurance privately but if you have a family you may pay $700+ each month just for an HMO. Can you afford that? Otherwise try and consider getting a job that pays for some of the insurance even if the salary is slightly less.
Insurance rates have gone sky high and it looks like there is no end to it. Just one incident can devastate your whole life savings.
If you are a single parent with a child, you will wind up paying the family rate which is unfair. If you are a college student, check with a college to see what their health insurance may cover. Otherwise, there are insurance companies that offer health insurance for college students.
This is not legal advice or any type of advice for you to get insurance or not. You need to research whether or not you can afford to be with or without the insurance.
Taking The Mystery Out Of Long-Term Care Insurance
Here's the good news: with improvements in medical technology and healthier lifestyles, people are living longer. Life expectancy today has increased to 83 years, up from 78 years in 1940 (The Shopper's Guide to Long-term Care Insurance from the National Association of Insurance Commissioners).
A Few Things Everyone Should Know About Disability
Did you know? One year of disability can wipe out 10 year's worth of savings.Other interesting things to know about disability:- 7 out of 10 people between the ages of 35 and 65 become disabled for three months or longer.
State Farm Auto Insurance - Heres A Few Factors That Determine Your Rate
There are many factors that affect the insurance rate you receive from State Farm Auto Insurance. Various types of coverage are available depending on the price of the vehicle you buy.
Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report.
Used Car Insurance
Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property.
Need A Car Insurance Comparison? Dont Have Time?
If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.
Life Insurance Settlement
A new financial tool is now available for senior citizens. Life Insurance Settlements are quickly becoming a way for seniors to receive money from an under performing or costly life insurance policy.
Give Your Auto Policy a Tune-Up
When you originally purchased your auto insurance policy, you purchased a certain type of coverage to meet your needs at that time. Since then you have probably experienced many changes in your life.
The Surety Bond Domino Effect
I have written many articles about the hard surety bond market. To my surprise many want to know more details as to how we got to where we are at.
Cheap Health Insurance Rates and Personal Health Insurance
If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan.
How Will an HSA Save Me Money?
The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account.
Tips for Choosing a Life Insurance Company
More than 150 insurance companies offer thousands of life insurance products in the UK.Choosing the right company and right product from this bewildering choice is challenging.
What To Do When You Suffer An Injury On The Job?
For over 30 years I have been representing injured workers in workers compensation proceedings and there are some basic errors that injured workers make time and time again.First, it is common for injured workers to ignore a serious injury for a day or even for a couple of days.
Types of Long Term Care Insurance
Regardless of what some people might think, medical insurance will not cover the expenses and services that long term care insurance covers.There are three types of long term care insurance.
Facts About Renters Insurance
If you rent an apartment or house, you might consider purchasing renters insurance.Renters insurance provides coverage for damage or loss of personal property for people in rental housing.
Flat Insurance in the UK
What are the factors involved in flat insurance? Do I need to provide both buildings and contents cover? Who will cover shared flats or flats with student tenants?The responsibility to insure the building fabric of a flat lies with the freeholder. This means that if you own your flat on a leasehold basis then you only need to insure the contents.
Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American's elect to drive (unless by the beginning of the 22nd Century we're all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!There are more than 200,000,000 licensed drivers in the United States.
Why Should You Purchase Your Auto Insurance Online?
If you're interested in slashing your auto insurance bill in half then there's no reason why you shouldn't consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient.
Indemnity Insurance For Landlords
As a property owner it is essential to protect yourself from the potential legal claims that could be made by tenants, contractors and members of the public who are injured whilst living in or visiting your property.All landlords are at risk of being sued if found to be negligent or in breach of their duty of care.
How Much Car Insurance Should You Buy?
Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.
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