Government Health Insurance Plans To Lower Your Health Care Expenses

If you have been diagnosed with a pre-existing condition such as asthma, diabetes, and similar, and have seen your insurance premiums go through the roof in the past, then there is some good news for you through the Affordable Health Care Act of 2010. While the costs and affordablity of the provisions of the law overall are currently questioned in the US Congress, that should not prevent you from taking maximum advantage of the law as it stands today. Certainly, now, in the US, there are multiple new ways to find health insurance for diabetics, people with asthma, or people with any other pre-existing condition.

How can you benefit? How can you find health insurance for asthma sufferers? There are three categories of people with pre-existing conditions that will instantly benefit, starting in 2010-2011. These are children under the age 19, children under the age of 26 one of whose parents can put them on their insurance plan at work, and finally, everyone else with pre-existing condition who has not been able to receive health insurance in the past. Let's look at these categories in more detail.

Pre-existing condition government health insurance plan for children under age 19

Under the federal law of 2010, insurance companies were forced to accept any child under the age of 19, regardless of the pre-existing condition, into their individual plans. This caused quite a stir with the insurance companies, some of which stopped selling insurance to children under 19 altogether, and others required a signup of a parent on the same policy at the same time as a condition for acceptance. The situation in many states is quite unclear at the moment. With the cost of the government funded pre-existing condition insurance plan coming down significantly, this contention may become completely moot, see below.

Children under age 26 can sign up on parents group health insurance

Regardless whether you are a student, or whether you have a pre-existing condition such as asthma, or obesity, you now have a choice to sign up for health insurance on a group plan through one of your parent's employer. As long as you are under 26 years old, and the employer provides insurance to the dependents, this is an open option for you.

Government sponsored Pre-existing Condition Health Plan PCIP for everyone else

Last but not least, PCIP! PCIP, or Pre-existing Condition Health Plan has been funded and established by the federal government across the US states. In 23 of the states, the plan is managed federally while the other states have decided to manage it on their own and receive federal funding for the operations.

How much is this health insurance? The most interesting development in the first half or 2011 is that, the already highly competitively priced PCIP plan prices have been slashed by another 40%! Why does that matter? By slashing the prices by so much, the PCIP plan becomes highly competitive both with the group plans through a parent's work insurance for children under 26 (see above), as well as with any child-only health insurance plan offered through individual health insurance companies (see above).

By adjusting prices like that, the federal government appears to want to take on the greater and greater burden of providing health insurance for diabetes patients, insurance for asthma sufferers, health insurance for people with disabilities, and insurance for people with any kind of pre-existing condition.

The price adjustment was not the only incentive. The federal government has reduced other requirements, making it really simple and inexpensive to apply and be accepted for the federal government pre-exisitng condition health insurance.

How to get this inexpensive government health insurance?