The cost of Florida Individual Health Insurance
premiums have increased over the years and still continue to increase at the time this article is written .The fact is that consumers have to start wondering whether the premiums that they are paying for Florida Health Insurance Plans for Individuals
is really worth the benefits received, especially when you are healthy.There are no easy answers when it comes to Florida health care cost. With the Government getting involved in order to control cost and at the same time getting consumers back in charge of their own Individual Care with Health reform
,this will have long term benefits in years to come.There are many changes taking place in the current system. Some will be visible to consumers and some won’t. As the new law takes effect the new changes are designed to benefit the Insured, Uninsured, Providers and of course the Government.What we do know is their are big financial and health risk for not having quality health care insurance for the young an well as the young and invincible.
Why do you really need Affordable Health Insurance
.? Having Individual health insurance
you are insuring your self against the risk of incurring medical bills as a result of a Medical sickness or Accidents. We are not able to predict or control any of these events in our lives, therefore by owning Personal Health Insurance Plans
you are managing your Health and Financial Risk against Medical Cost.The high cost of unexpected Medical Care have been known to bankrupt Families creating financial hardships.The benefits of owning health Insurance and paying the premiums far out way the risk of not being Insured.
The rising cost of Individual Health Care is driven by several factors. Even with the Developments in Medical Technology the Cost of Care has continued to increase and in some cases faster than the rate of inflation. Drug Cost is another area of increasing cost. Drugs have a costly price tag from development to approval and market, it may take many years and millions of dollars to bring drugs from testing to a drugs store in your local community.
Millions of Baby boomers are now reaching middle age and require more medical care. According to (AHIP), American Health Insurance Plans, Individuals over 50 plus years of age use two times as much health care as individuals in their twenties and by the time they reach 60 and over they use four times as much medical care.
Providing Health care to the uninsured is extremely expensive. An estimate of more than 45 million Americans have no form of Health Insurance. Most of the cost associated with their care is emergency room visits and many of these bills are left unpaid.The most import part of medical Care is preventative, when an uninsured American visit the emergency room for care most times they are now very sick and the cost for medical care is now far more expensive than if they were able to see a Primary Care Doctor or even a Walk In Clinic .The cost from Insurers of delivering Health Care to policy holders as well as their administrative cost all add to the Health care system.
The current system is loaded with Fraud and Abuse, Malpractice Insurance for Doctors have increase dramatically because of law suits, payment to providers for services that was never provided, duplicated tests Medicare and Medicaid abuses. All these abuses add increases to the cost of Medical Care and as the cost increases we all have to pay.
Health Care cost has a direct impact on Individual Health Insurance premiums. At All Horizon Financial Services Corp West Palm Beach ,Florida our goal is to work with our clients and their Families to find the best and most Affordable Individual Health Insurance Plan that fits your budget. Visit our web site Get a Quote or Learn More.
Lloyd G. Robinson
All Horizon Financial Services Corp.
West Palm Beach, Florida 33411
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