Health care is expensive!  

New procedures, better technology, more effective medications, and higher quality medical equipment have all driven the cost of health care up in recent years. Unfortunately, these increases are then passed on to the consumer, often making health insurance unaffordable for many. 

Also, many Americans do not qualify for individual coverage or they find that their pre-existing conditions are not covered.  Most plans only accept perfectly healthy applicants.  This is why there are now more than 45 million people without health insurance nationally**:

• Extensive Underwriting (too selective) Health Insurance Companies use underwriting to make their profit.  Thereby only accepting the perfectly healthy applicant.  Many Americans have pre-existing conditions that cause them to be uninsurable for most health plans.  If they can find a company to take them, their pre-existing conditions will usually be excluded. Watch this report: 

• High Deductible and Co-Insurance Amounts  The cost of health insurance has risen higher than inflation.  The only way to afford most plans today is to buy a high deductible and high out of pocket co-insurance plan.  Most people feel that if they must buy a $2500 or $5000 deductible, "Why have insurance at all?"

• Controlled Networks  Insurance companies use Preferred Provider networks to lower the insurance companies' out- of- pocket expense.  The customer still pays their high deductible, but the insurance company saves money.

  • "60 Minutes" report: Discrepancy of hospital pricing without a PPO
  •  Are hospitals price gouging up to 500 percent?

• Constant Rate Increases.  Most health plans today have what is known as a TREND FACTOR built right into the premium.  Many plans have a trend factor of well over 20% per year.  This means that the premiums will double every three to four years (rule of 72) even if you don't have any claims, even if you don't get older (because most plans go up as your age increases), and even if the company does not have an actual rate increase.

• Risk of becoming Uninsurable. (Cancelled or Non-Renewed) Most plans today have an ESCAPE CLAUSE for the insurance company.  Yes, they use underwriting to only accept the perfectly healthy applicants when you first apply for a policy, and yes they have a huge trend factor rate increase each year in order to run you off before you start costing the company too much money; but if you come down with a major health concern like cancer, heart, liver, kidney, brain or any other terrifying and expensive disease; most insurance companies also have a clause in the contract that allows them to cancel the policy when you need it the most.  Many well-known, name-brand Health Insurers have cancelled policies, leaving loyal customers with health problems in a situation where they are uninsurable and not able to qualify for an affordable, new plan.  This seems unconscionable, but because the contract had a "Termination" or "Cancellation" provision, the insurance companies are getting away with it.  Most plans today have this clause. 

                                                                                                               

Contact us today for your free quote.