Health Insurance

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An alarming number of Americans, 45 million as of 2005, have no health insurance. One major reason for this disturbing statistic is that workers who don't receive health benefits from their employer must pay for the entire insurance policy themselves, often at a cost of $250-$400 per month, or more. And things are getting worse instead of better. Health care costs grew by 11% from 2003 to 2004. As a result, many employers, particularly small businesses, can no longer afford to provide health benefits for their employees. Even larger companies are changing to plans that require employees to bear a larger share of the cost through higher co-pays, deductibles, and even reductions in coverage.

What to Do if You're Looking for Health Insurance

Call Your State Insurance Regulator

There are hundreds of companies that offer health insurance. Sometimes it is difficult to sort through all the choices and find the plan that is best for you. A good place to start is your state insurance regulator. They should be able to point you in the right direction, saving you some legwork.

Search the Internet

Internet / Computer Image here

There are literally thousands of insurance companies with websites. Many of these sites allow you to calculate quotes and see how the premiums change with different kinds of coverage and deductible amounts. This way, you can get an idea of what you should expect to pay and what types of coverage are available. The easiest way to start is to type the phrase "health insurance" into your favorite search engine. You also may want to search your state's official website for state-run insurance programs.