AZ Health Insurance Rates, Quotes and News
We all know that the need for affordable health insurance for everyone is one of the most incredulous debates on Capitol Hill these days, and of course everyone has an opinion regarding how to best bring health coverage to the people. Yet, there is a private sector that has brought Arizona health insurance into the hands of the average person.
We can not provide free health care for everyone, and there are plenty of health coverage companies that are able to offer reasonable and effective coverage to individuals and families for a modest cost. While it is always going to be cheaper for individuals to receive their benefits through an employer, this is a good second choice.
No, it is not as cheap as it would be if an employer bought the group coverage for you. However, in the last few years the premiums for those that need coverage and do not receive it through an employer have dropped considerably. While a policy with a $500 deductible used to cost an individual about $500 to $600 per month several years ago, today’s going rate falls in between $150 and $250, depending on the need for attached riders.
While purchasing your own health insurance is still a bit more expensive than getting a policy through an employer, many individuals can get coverage with a $500 deductible for a monthly payment of $200, sometimes less. The range of coverage options varies by company, and riders must be attached for dental, maternity, and other common coverage areas.
Not all private Arizona health insurance policies are created equal, and it is beneficial to find out exactly what riders need to be attached to any given policy in order to make it effective. While a basic policy can be purchased for $200 or less, this is not likely to offer maternity coverage and something even emergency fetal care. Read the fine print in order to know exactly what the policy covers and what needs to be added as a rider.
You don’t have to be self employed to qualify for this type of coverage. In fact, those who are employed to work about 38 hours per week to avoid being given benefits, those who have retired without the benefits of medical coverage, and those who are not able to receive health care coverage through their line of work can benefit from the availability of personal and family coverage.
With some careful searching and the ability to find the right health insurance policy, you and your family can have the peace that goes along with knowing that the health care issues that could happen will be covered and that the family’s health and financial well being will definitely be protected.
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