Individual and Family Health Insurance For Ohio

Hospital bills can cost as much as a college education. The medial charges from a small accidnt or illness can exceed the value of your home. The collapse of financial security resulting from medical bills can ruin your life.

When times were simpler most employers offered health insurance as part of a worker's benefit package. Health insurance then was simple, uniform and easy. Unfortunately, the tide and times have changed. The current trend is for employers to opted out of providing the health coverage you need. With the costs of insuring emplyees rising so high, employers in Ohio and around the country, simply cannot afford to provide it and keep the business going at the same time.

These factors, coupled with the fleeting and insecure nature of employment during these difficult financial times are rapidly making group employment coverage  a thing of the past. Health care in America is in crisis.

But there are alternatives available to you. I will help you regain control of your life and your health without  leaving deep holes in your pocket. I will help you design a health insurance plan that is both affordable to you and easy to understand. I will work with you every step of the way.

Things are not as bad as you think. There are actually several advantage to individual health coverage and several directions open to you.

Family plans are often cheaper than employer group plans, whose premiums are dependent on the general health of the entire group, or its sickest member. Your premiums will be dependent only on your overall health and your (or your family's) risk factors alone.

And your individual, or family health coverage, is yours and travels with you no matter where you are employed. You will not lose it even if you lose, or leave your job. As long as you pay the premium, your policy remains in effect and your family remains covered.

When you buy your own insurance, you are in control. You decide on your options and thus your costs. You determine your exposure and what you are willing to pay for both premiums and liability. There is even a kind of health plan called a Health Savings Account (HSA) which can help save you money on taxes.

The downside of all this is that with so many options. loopholes and terms to be aware of and understand, you need expert advice and assistance. That's my job. I will work alongside you and make sure you receive a plan with maximum benefits at minimal cost to you.

Give me a call, or request and instant online quote to narrow down your options and let’s get you health coverage, that will not only suit your individual needs, but will leave more money in your pocket.