Articles by Joel J. Ohman on ArticleSnatch.com

Individual Health Insurance vs. Group Health Insurance

Thu, 25 Jan 2007 00:00:00 -0500

Individual health insurance is very different from group health insurance in some respects. Many people have had group health insurance from a large corporate group plan and that is all that they have ever known. Many have never had to actually pick and choose between different insurance companies and different health plans as all of the decision making was done on their behalf by their employer. Here are a few quick things to keep in minding when searching for individual health insurance. The underwriting for individual health insurance is different than the underwriting for group health insurance. This is great news if you, your spouse and kids are healthy as individual health insurance rates are much cheaper than a comparable group health insurance plan. It could be a cause for concern if you have some health issues in your past as there is the possibility that the application will be declined due to what is called pre-existing conditions in your medical history. Most individual health insurance companies will look back into your health history going back about 10 years. **End Summary** Topics: health insurance]]> health insurance quote]]>]]> About the Author: ]]> Compare student health insurance quotes from multiple health insurance companies, learn how to find California low cost health insurance , and get free Texas health insurance quotes . Take a few moments to learn about the different health insurance plan options in your area so that you can be better equipped to find the most appropriate health care coverage for you and your family!

Cheap Health Insurance - Save $1,200 in 15 Minutes

Thu, 25 Jan 2007 00:00:00 -0500

Cheap health insurance is still available it has not gone the way of the nickel soda or the 10 cent candy bar. As with anything in life, information is power (you have to know where to look) and a little bit of hard work will go a long way (albeit a little bit of smarts along with hard work will go even farther). So, let's get down to it. Here are 3 things to do now (estimated time: 15 minutes) that if you actually do them could end up saving you $50, $100, or even more every month on you health insurance bill. If you would care to save $600, $1,200, or more over the next 12 months and use that money to go out to eat or go on vacation rather than giving it away to a large insurance company in extra premiums then start your 15 minute timer! 1. Evaluate your plan deductible carefully. Actuaries and product design specialists at insurance companies spend a lot of time and money to learn how they can best price their policies to maximize value for the company. **End Summary** Topics: health insurance]]> health insurance quote]]>]]> About the Author: ]]> Search for health insurance the easy way by taking 30 seconds to input your health information and then viewing free health insurance quotes from the top 5 companies that offer health insurance coverage in your home zip code. Also learn about Health Savings Accounts . Make sure that you use the price transparency of the Internet to find the most affordable and comprehensive health plan quotes in your home zip code!

Bush Proposes 2007 Health Insurance Tax Law Changes

Tue, 23 Jan 2007 00:00:00 -0500

During the January 2007 State of the Union address president George W. Bush proposed a new change in the tax law that could have the effect of lowering health care costs for millions of Americans. According to the Wall Street Journal, the government hasn't taxed employer-provided health insurance benefits but rather gives smaller tax breaks, or none at all, to many people who buy insurance themselves outside the workplace. The tax system is especially unfair to employees who work without traditional benefits, experts say. Effectively, Mr. Bush is proposing to eliminate the imbalance by giving everyone the same deduction -- $15,000 for families, $7,500 for singles. The Treasury Department estimates that the change would prompt a net increase of five million in the number of Americans with health insurance. Health insurance rates have been pushed to competitive lows in recent years because of the increased price transparency that the Internet has brought to health insurance shopping. What used to be a process of days or even weeks to obtain up-to-date health insurance rate quotes is now something that can be done in less than a few minutes online with a few clicks of a mouse. **End Summary** Topics: health insurance tax]]> bush health insurance]]> tax law health insurance]]>]]> About the Author: ]]> Search for health insurance the easy way by taking 30 seconds to input your health information and then viewing free health insurance quotes from the top 5 companies that offer health insurance coverage in your home zip code at Health Insurance Quote 360 . Make sure that you use the price transparency of the Internet to find the most affordable and comprehensive health plan quotes in your home zip code!

Lower Your Health Insurance Premiums Now!

Tue, 16 Jan 2007 00:00:00 -0500

Health insurance costs are close to spiraling out of control. Health insurance premiums are not far behind with no hope in sight. At least, that is what could be said about those consumers who do not take the time to do the appropriate research and homework to obtain the lower rates that are out there! Let's use the couple hundred dollars a month that you may save for something other than boring but very necessary health insurance coverage. Don't have time to pore over policy manuals and research insurance company AM Best ratings all day and all night long? Most people don't so let's take a look at a few quick ways to lower your health insurance premiums and get started NOW saving you money. 1. Investigate an HSA (Health Savings Account) or other similar high deductible health plan. HSA's have all of the comprehensive coverage options of traditional health insurance they are just structured differently so that you will have a much lower monthly premium and additional tax benefits that are not available with traditional health insurance plans. **End Summary** Topics: health insurance]]> cheap health insurance]]> affordable health insurance]]> low cost health insurance]]>]]> About the Author: ]]> Compare affordable health insurance quotes , learn how to save money on health insurance, and research health savings accounts (HSA"'s) by visiting http://www.healthquote360.com. Learn about options for Florida health insurance and save money by viewing instant health quotes from top insurance companies side by side. Let the price transparency of the Internet help you save money on your health insurance bill - Take 30 seconds to view top quotes!

How to Find Cheap Student Health Insurance

Fri, 05 Jan 2007 00:00:00 -0500

Students are typically more prone to go without health care coverage than those who are older because of their perceived invincibility. However, students often place themselves and their family's financial security in jeopardy because of this devil may care attitude. Health insurance for students is often quite cheap as one of the largest determining factors in pricing insurance rates is age. Everything else being equal, the older an individual is the more they will pay in monthly premiums. Cost should not be a deterrent for students in finding adequate health insurance coverage. Even on a tight budget there are low cost options for students to investigate. Here are a few quick steps to take in searching for cheap student health insurance: 1. Look for a temporary health insurance policy. If a job offer with benefits is on the horizon then a temporary health insurance policy may be a good route until the job is realized. Temporary health care coverage is usually major medical only and does not come with copays and other extras this will help to keep the monthly premiums low. 2. **End Summary** Topics: student health insurance]]> cheap student health insurance]]> student insurance]]>]]> About the Author: ]]> Compare student health insurance quotes from multiple health insurance companies, learn how to find California low cost health insurance , and get free Arizona health insurance quotes . Take a few moments to learn about the health insurance options in your state so you can find the best health care coverage for you and your family!