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Low Cost Health Insurance

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Welcome to our Low Cost Health Insurance mini website. Here you will find a directory which consists of websites which provide online health insurance premium quotes, a discussion about the state of health insurance in the United States, a chat room about health insurance, and current news and videos about health insurance. Here we also provide a health insurance book store. If you are seeking information about health insurance and are looking for low cost health insurance, the information provided here should be useful.

Currently, there are 47 million Americans who do not have health insurance. If you do not have health insurance, it is to your benefit to seek and find some sort of coverage. A catastrophic illness can be financially devastating. The cost of medical care in the United States has steadily increased, which means health insurance providers must raise their premiums. This dilemma has steadily grown worse over time. Their is no easy answers to solve this current problem.

Many health care industry experts believe that we should have a system of socialized medicine as seen in Canada, but this type of system really is not as good as some people think it is. In Canada it is not uncommon for patients to die waiting for critical surgery which can save their life. In Canada, there is a lot of waiting for necessary procedures, tests, and doctor visits.

United States Presidential candidates all have their own opinion about a resolution to this major problem. Indeed, this is a very important issue and where a candidate stands on this issue may be one of the important determinants in terms of the outcome of the 2008 presidential election. The large number of individuals which do not carry health insurance is a major problem in the United States, and it is a problem that needs to be seriously addressed by law makers.

Many young people, and sometimes not so young, are working but their company simply does not provide health insurance, and concomitantly they do not qualify for Medicaid. They simply can not afford the premiums needed for health insurance. This group of people simply fall through the cracks of the health insurance system in the United States. Many young people have a tendency to think they will not need health insurance because by and large they are healthy. But even young people can develop a catastrophic illness, or may be involved in an accident.

In the United States, the number one cause of death and injury for young people ages 5 to 27 is auto accidents. In 2003 there were 6,328,000 car accidents in the US. In that year these accidents resulted in 2.9 million injuries and 42,643 people were killed. It was not known how many of these injured people did not have health insurance, but you can determine that if 47 million are uninsured, and our current population in the United States is 303 million, that means about 16% are uninsured. If we take that 16% and apply it to the number of people who are injured in car accidents, 16% of 2.9 million injuries from car accidents is .46 million or around 460,000. So can it be said that approximately 460,000 people who were injured from a car accident did not have health insurance in 2003?

This is obviously a rough estimate because there are other factors involved. It is known that the leading cause of death and injury for young people in the United States is auto accidents, and it is known that a large number of the uninsured in the United States generally speaking are younger. The point is obvious, if you are young and you are uninsured, you are taking a major financial risk.

But here we are just talking about the number of uninsured who were injured from car accidents in the United States. There are numerous other possible catastrophic illnesses which the uninsured may have to deal with, and almost always it is unexpected. Point being, if you are young or not so young, and you currently do not have health insurance, you are much better off having some form of coverage, even if the coverage has a high deductible. You simply can not afford to be without health insurance.

In the United States, for the low income, their is the safety net of Medicaid, and for the elderly the safety net of Medicare. But if you do not qualify for these, you should provide yourself with some low premium coverage, even if the coverage is not very good. Remember, if you do not have health insurance and you need medical care, you will be responsible for your medical bills. A catastrophic illness can result in medical bills easily exceeding $100,000. So if you are seeking health insurance, the following directory should be useful. This directory consists of a list of websites which provide online quotes. Remember, even if the coverage may not be the greatest, and you may need to pay a high deductible and or a high copayment, this type of poor coverage is better then no coverage at all.

Low Cost Health Insurance - Website Directory

Low Cost Health Insurance - Conclusion

Health insurance, more specifically the lack of it, is a major problem in the United States. There are people in the United States which fall through the health insurance cracks. These people are mainly those who do not qualify for Medicaid or Medicare, and yet they can not afford to pay for health insurance. The company or business they work for does not provide their health insurance. So what should these 47 million Americans do who do not have health insurance? These people would be much better off paying a low monthly premium, and have less then adequate coverage, then not have any coverage at all. Remember that a catastrophic illness or an accident can strike any individual regardless of age. Health insurance should be considered a necessity, just like food, clothing, and shelter. It is much more desirable to have some form of coverage, then to have to pay off medical bills from a catastrophic illness the rest of your life. Hopefully, when a new United States president enters office, a real national heath care plan will at some point be implemented during his or her four years of presidency. This is something that would benefit all Americans.








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Low Cost Health Insurance - News

Health Care
NPR Topics: Health Care
Copyright 2009 NPR - For Personal Use Only
The state of health care, health insurance, new medical research, disease prevention, and drug treatments. Interviews, news, and commentary from NPR's correspondents. Subscribe to podcasts.

Visiting Sen. Grassley At Home in Iowa
Congress returns to Washington next week with health care on its mind. President Obama and the Democrats agree with Republicans that legislation overhauling health care should be bipartisan. And there may be no stronger advocate for bipartisanship on health care than Senator Chuck Grassley, the top Republican on the Finance Committee.
Pain Management And Prescription Painkillers
The deaths of Heath Ledger and Anna Nicole Smith focused attention on prescription pain killers. Michael Jackson, too, may have been taking pain medication. Doctors walk a fine line in treating patients who are seeking relief from chronic pain.
More Care Means Better Health, But Not Always
A new study finds that when Medicare expanded its prescription drug coverage, people did spend more on drugs. However, those who had little to no drug coverage beforehand reduced what they spent on going to doctors and hospitals.
Doctors Say Health Care Rationing Already Exists
The specter of government rationing of health care is a prime argument being used against overhauling the U.S. system. But some doctors and economists argue that, in effect, the American system is already rationing in the most unproductive ways.
Young Doctors Weigh In On Health Care
Two young doctors, just finishing up their residencies, discuss the decisions behind their career choices. Nicole Loeding is going into primary care, while Brian Southern, after becoming disillusioned with primary care, has chosen pulmonary critical care.
Schizophrenia May Be Linked To Immune System
Three new genetic studies are providing some tantalizing hints about what causes schizophrenia.
Are You Over The Acetaminophen Limit?
A Food and Drug Administration advisory panel wants to reduce the public's exposure to the potent painkiller.
Doctors Say Costs, Not Care, Have Become Focus
As health care costs have soared, many physicians have struggled to manage the business end of health care and provide quality care for their patients. Two doctors, each with more than 30 years of experience, talk with NPR about the changes they've seen in health care, and where the system might be headed.
Co-Op Option Offers Compromise In Health Debate
As Senate and House committees negotiate a potential new health care system, the idea of insurance co-ops is gaining ground as an alternative to a government-run plan. The HealthPartners co-op in Minneapolis provides some insight into the ability of these plans to provide low-cost, high-quality care.
FDA Panel Advises Smaller Doses Of Painkillers
The Food and Drug Administration's panel voted 21-16 to lower the current maximum dose of nonprescription acetaminophen, which is 4 grams, or eight pills per day. Taking more than that can cause potentially fatal liver damage.
Drug-Resistant Swine Flu Seen In Danish Patient
Health officials have confirmed a case of swine flu that is resistant to Tamiflu, the leading pharmaceutical weapon against the new virus.
Memo To The President: Fix Health Care System
President Obama has scheduled a town hall meeting to promote his health care overhaul plan this week. He's been on the stump, pushing his plan in different forums: in press conferences, town hall meetings and discussions with several governors. But will he be able to achieve health care for all? Robert Reich says it will be difficult, but with the right strategy, Obama can prevail. Reich, former Labor Secretary and former advisor to Obama, explains how he thinks the president can remake health care policy.
The Mysteries of Dementia-Driven Wandering
When Alzheimer's disease leads to dementia, it can also trigger a desire to wander. And that's when the trouble begins. Estimates suggest about 50 percent of dementia patients who wander will suffer serious injury or death if they are not found within 24 hours.
Overhauling Health Care Takes More Than Money
Overcoming the politics entwined in changing the nation's health care system will be difficult. Over the weekend, some members of the Obama administration seemed to shift positions on what the president deems absolutely essential in this bill. One of the big changes seems to be the willingness to look at taxing health benefits as a way to pay for the bill.
A Painless Way To Hold Down Health Costs?
While opponents of the overhaul proposals currently under consideration warn of long waits for care or draconian cuts in payments to doctors and hospitals, some experts say slowing the growth of health spending doesn't have to hurt. "You can deliver high-quality care for far fewer resources if you organize your processes right," says one expert.




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Health Insurance - Additional Resources

Health Insurance - From Wikipedia

Executive Summary of The United States National Health Insurance Act (HR676)

Physicians for a National Health Program

What is Universal Health Care?

Facts on Health Insurance Coverage

And the Pursuit of National Health: The Incremental Strategy Toward National ...

Health Insurance in the United States

US health insurance costs rise nearly twice as fast as pay: survey

Expansion of Publicly Funded Health Insurance in the United States: The ...

Overview of the Uninsured in the United States


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