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Finding insurance when you have a pre existing health condition can be difficult. However there are things that you can do to increase your chances of finding a good health insurance policy even if you have been denied in the past.

The health care debate is to a great degree misnamed. It is a debate about sickness care and who has to pay for it. A debate about health care would address the issue that is making our costs skyrocket.

Comparing one health insurance policy with another is too much of an apples to oranges comparison. People should understand what benefits they are buying and what they are not buying. The lack of transparency here makes buying health insurance difficult because it is difficult to compare health insurance plans.

It seems to me that our objectives are to make sure that everyone is as healthy as possible for as long as possible at as low a cost as possible. The first two objectives are, or at least appear to be, at odds with the third. However, a healthier citizenry can in theory be a more productive citizenry. That extra productivity has the potential to make up for the additional cost.

There is definitely a benefit to shopping around and looking at different company’s prices. Often there is a big difference between the highest priced carrier for a given age, gender and zip code.

As you can see in the graphic below, the main reason that health insurance costs so much is because health care costs so much. Most of the money that health insurance companies take in goes right back out to pay for their policyholders claims.

It is important that you have medical coverage for your newborn. Insurance can protect you from the high costs of the life-saving procedures performed on a lot of infants. If you are in a situation where your child’s health is in danger, a lack of money should not impact the difficult decisions you will need to make. It is sad but newborn hospital deaths are highest for those with no insurance.

When looking for self-employed health insurance rates it is important that you not limit yourself to only group health insurance. Group policies are sometimes the best option but usually the best health insurance for self employed people is an individual or group insurance policy.

One of the questions we get frequently is “how long can i carry cobra insurance after my job loss.” For most people the answer is typically 18 months. However there are exceptions. In certain situations disability and divorce can extend the time period of COBRA eligibility.

Health insurance policies that cover maternity tend to be much more expensive than policies that do not cover pregnancy expenses. Maternity expenses are, however, even more expensive. Because of this we ask our clients to thoughtfully weigh the pros and cons of any decision regarding adding or removing maternity coverage.