Health insurance
Individual health insurance can be very costly. It seems to me that when you work for a big company, that everyone pays the same rate. The insurance costs are reasonable, and the coverage is phenomenal. But recently, I have had to buy affordable health insurance for myself and this is quite the costly venture. I have really shopped around, and as a individual, I am finding that there are a lot more preexisting issues than there were when I was covered by my company's plan.
I have been really looking at all the options and am finding that the only way I can really afford the insurance premiums on an individual health insurance plan is to settle for questionable coverage just to get a cheap rate. I know how important carrying health insurance can be, and right now thank goodness, I don't have any major health issues. One never really knows when they could be diagnosed with some horrible illness, and I really don't want to take a chance and just get catastrophic plan. I know it will cover me if I am hospitalized for a month, but what if I just get a short term illness? Then what.
I am not sure how I can afford to cover these premiums on my own. I also don't want to sign up for an insurance policy that will 6 months from now be charging me double the premiums. I want something where the rates will stay the same. I don't want to have to file the claims myself. This means I will most likely have to lay out the payment at the time of service and I am not sure that I will be able to do this. Also, I will be less likely to go to the doctor if I have to pay up front and wait 8 weeks to get reimbursed by the insurance company.
If you have the opportunity to stay with the large company insurance, then be sure to do it. If you are like me, and have not been able to that, then you will have to begin researching the information on your own. You will find there are a wealth of informational online sources that can help you find the right insurance for you. It is possible to find a good insurance plan that is reasonable, but it will definitely take some work.