Don't Get Caught Without Health Insurance Know the Facts

Health insurance is always the best choice when it comes to prevention. Determining when medical assistance is needed can be difficult, so reliable medical insurance can be very helpful in covering the cost of treatment and care. There are many factors to consider before purchasing health insurance. There are different types, so you need to carefully assess your needs and manage your allotted budget.

What should I know about health insurance? How can this help you and your family in times of need? To help you make informed choices when purchasing health insurance for you and your family. , learn fun facts about policies and coverage.

• In the United States, nearly 45 million Americans are reported to have no health insurance. This accounts for about 15% of the total population since 2006. As noted by the Centers for Disease Control and Prevention (CDC), 32% of the total Hispanic population was uninsured. This compares with 19% of African Americans and 10% of whites without health insurance.
• Approximately 7 million of the uninsured in the United States were minors under the age of 18. That makes up about 10% of the country's population under the age of 18, according to a CDC report. Under a new health insurance plan proposed by President Barack Obama's administration, approximately $87 billion in government funding will be allocated to improve state insurance programs and SCHIP, or state children's health insurance programs. . This is expected to reduce the number of uninsured children in the country by up to 72% and increase access to health care for minors. o Details for uninsured:
• What percentage of the population aged 19 to 64 (non-elderly) does not have health insurance? I am reporting that I am not. Which federal state has the most uninsured adults? The same website reports that New Mexico and Texas top the list, with about 30% of people in that age group having no health insurance. increase. Massachusetts, on the other hand, has the lowest number of uninsured adults, at only about 10% of all age groups. o Which state has the highest number of uninsured children aged 0-18? Statistics from the Kaiser Health Foundation show that approximately 22% of children in Texas and 19% of children in Florida do not have health insurance. Massachusetts also has the lowest percentage in this category, with only about 5% of children without health insurance.
• According to the Insurance Information Institute (III), approximately 34% of the population has their own private health insurance plan, but nearly half of the population relies on federally funded insurance programs. Specifically, 19% fall into MediCare, 15% into MedicAid and SCHIP, and 12% into other selected public insurance providers.

• The National Association of Insurance Commissioners reported in 2007 which insurers paid the most premiums that year. The top of the list was UnitedHealth Group with 11.7% market share and WellPoint Inc. Group with 9.75% market share. In the same year, the Kaiser Family Foundation came in third with a market share of 7.7%. Among the oldest health insurers in the country, Blue Cross ranks his ninth on the list with a market share of about 1.72%.
• Comparing individual and group insurance, you can expect to save more by purchasing multiple policies. However, according to some people who choose individual policies, plans can be customized to meet specific health needs. Talk to your insurance agent to learn more about the pros and cons of these two types of health insurance. can do. 

• Millions of people lost their jobs during the US economic downturn. But thanks to the new administration and President Obama's initiative, the administration plans to allocate his $25 billion, so those employees will continue to have access to health insurance plans. These will cover up to 65% of each employee's health insurance premium, according to a Reuters report.
• Speaking of jobs, even the insurance industry has a responsibility to contribute to the number of jobs available to Americans. In her two largest states in the country, hundreds of thousands find jobs through the many opportunities the state offers. About 300,000 people work in the insurance sector in California, while Texas had over 216,000 in 2006. Other states high on the list are Florida, New York, Pennsylvania, and Illinois
• The Franklin Health Insurance Company of Massachusetts was the first company to offer accident insurance in 1850, according to the American Health Insurance Association. related injuries. Within decades, more organizations began offering this type of insurance. 

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