Insurance Line One understands the high cost of healthcare without insurance. At any given time in the United States, anywhere from 9% to 13% of people are without health insurance. Depending upon your state, you may be responsible for picking up the cost of a hospital stay that can cost as much as $2,271 per day. We are an A+ accredited agency with the BBB and our health insurance plans start at $150 per month. Call today to speak with one of our representatives about setting up a health insurance plan for you and your family.
When you first the see prices of how much you’ll have to pay for health insurance it can be intimidating. The average annual deductible is between 2,000 and 4,000 for individual health insurance plans, and once you start adding members to the plan the price just keeps rising. This doesn’t include the monthly premiums you’ll have to pay, which usually plays in the hundreds. Altogether, these are good motivators to avoid health insurance. However, this is in the hopes you’ll never get sick or injured, but no one plans on acquiring these difficulties.
The average cost of treating a broken leg without the use of surgery can cost you up to 2,500 dollars. This is taking into consideration the average x-ray is about 210 dollars, but some can reach up to 1,000 dollars. Were you to need surgery on your leg, the price skyrockets to 17,000 dollars, on the short end.
Countless accounts talk about how going to the doctors cost them thousands of dollars. There was a report of a doctor who pushed off seeing the doctor because of the potential costs from being uninsured, but he ended up going to the emergency room and stacked up a bill for 10,000 dollars. This is also with his medical knowledge of what to avoid to keep the costs down. Were this to happen to you, you would be paying two years worth of monthly premiums and deductibles.
With the passing of the Affordable Care Act, there has been a cap on what you pay in a year. For families, this cap would be placed at 13,700 dollars, leaving the insurance to pay for the rest. You won’t have to go into debt to pay off something you didn’t want nor had any control over.
Looking through the various individual and family insurance plans, you’re probably wondering how they identify the price range for you. Thankfully, since the Affordable Care Act’s passing, insurance companies can no longer discriminate against those who tend to be sicker and those who are healthier. After all, you aren’t in control for when you get sick, sometimes it just happens. However, insurance companies have created a fixed price for everyone based on the pool they have.
The pool is encompassed by both sick and healthy people, but it needs to balance out the costs the sicker people have. This is done in the hopes the healthier people don’t outweigh the sicker people’s needs. Without this balance the health insurance companies would lose money or have to rise their premiums. Although, this doesn’t explain why families have to pay more and where the line is for them.
Family insurance plans are noticeably more expensive than individual health insurance plans. This can be attributed to the fact more people are being added to the account. Nonetheless, in most families, only the parents are the ones working, thus they are the only ones being able to pay for the health insurance. Except, in some families, only one parent is working and the rest have to rely on them. Beforehand, families of seven were left to figure out how keep them all safe or decide who deserves the health insurance more.
Since the Affordable Care Act though, families only need to pay for themselves—the parents—and then the three oldest children, as long as they’re under 21. For example, John and Jane Doe both have insurance, as well as their five other children. Their children are 20, 17, 13, 11 and 9, but they only have to pay for the three oldest. Juan and Juana Doe, as well as their 11, 9 and 7 year old, are also all insured. However, John and Jane pay less in the end because all five of their children are being insured for the price of Juan and Juana Doe.
Keeping your family safe is one of your most vital goals in life. Health insurance will not only help your family healthy, but help with your children’s learning. Children get sick and they need time to rest. However, without the aid of health insurance a lot of people will just avoid the doctor because of the costs. This requires the child to then stay home longer to get better or to go to school and infecting the other children.
Insurance Line One is one of few health insurance companies wanting to work with families and assist them in their time of need, without robbing them blind. Leaving your family vulnerable can cause all kinds of traumas down the line. Family health insurance plans will prevent you from going into bankruptcy or excelling the stress you carry during recovery. Leave the money worries to the companies who can afford it.
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