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How To Avoid Skimping On Health Insurance

If you have spent any time reading the newspapers or watching the news on TV recently, you know that the cost of good health insurance continues to rise. In these tough economic times, some people are even electing to take their chances and opting out of participation in their company's health insurance group plan simply because their portion cuts too far into their paycheck.

While it is understandable to want to cut expenses, health insurance coverage is not the place to cut. Yes it is an expense but it is a necessary expense that could save you from total financial ruin if something should happen to you or one of the people in your family.

But my family is very healthy, you say? That is true, but what about an accident? Healthy people get into accidents just as frequently as unhealthy people, and there is no way to predict when an accident will happen, which is why it is called an accident. You could catch a bug from somebody on your bowling team or at the office, you could fall off your ladder while cleaning the eves, an uninsured motorist could run into your car. There are so many different things that could happen that could land you in the hospital that it does not even make sense to try to list them all. And none of them would be your fault, and they could still all happen to you, regardless of how healthy you are.

On average, an employer's family health insurance plan is now costing that employer more than $12000 per year, which is more than $1000 per month. That is just the employer's portion, on average. That same average says that the employee's portion for family coverage is more than $3300 per year. This is just about twice as much as what employees paid for their health insurance portion less than 10 years ago. And employers who are trying every trick in the book to cut costs and become more profitable are well aware of these figures, are many are cutting corners on the health insurance plans and options being offered to employees, and in many cases are requiring employees to go to plans with a much higher deductible or much higher employee contribution.

One of the reasons cited for the rapid increase in the cost of health insurance is to cover the medical malpractice suits and jury awards that are being done all the time. But others see this reason as pure baloney, since malpractice suits should be covered by the high cost of malpractice insurance that doctors and hospitals are required to carry, so exactly how and why does this raise the cost of decent health insurance? That answer is not as readily forthcoming.

With health insurance premiums rising more than three times as fast as wages are increasing, it is no wonder that many employees are doing their own thing and opting out of company group health insurance plans. In many cases, this is a financially sound decision, since you can tailor your own health insurance plan to the specific needs of you and your family, and frequently get more and better coverage than what the limited options provide from your employer.

It is definitely worth your time and effort to find out exactly what you are paying via your employer's plans for health insurance, and then go out and investigate what an equivalent or even a better plan would cost you if you got it on your own. Make sure you have the option of non-participation in your employer's plan, but then do the math and you may be surprised at how much more cost effective your own health insurance plan can be. You already know that you cannot afford to be without one.

For more insights and additional information about finding a great Health Insurance Plan as well as getting a free online health insurance quote for your specific needs, please visit our web site at http://www.healthinsurancetipsguide.com

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