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Effects of Health Insurance

The mandates placed upon all current and future employers are soon going to become a burden. The realization of more employees becoming unemployed are at great risk once The Patient Protection and Affordable Care Act is fully implemented. Where this new universal health care will lead is anyone’s guess. Those individuals who will be at risk the most will be the self-employed, the small business owners, and the freelance entrepreneurs.
One of the current questions is what happens to those employees who will be pushed into purchasing their own insurance policy because the employer can no longer afford the burden. Most employers factor in the annual cost of low-cost health insurance when they are interviewing a prospective employee. Will the offset be added to the individual’s annual wage?
What happens when the employer decides to eliminate the cost of insurance, but does not add the annual cost of the insurance policy back into the employee’s salary? Yet, you must wonder into which tax bracket the employee will be pushed if the cost of insurance is added to the annual salary.
Individuals who are self-employed will have no options to provide an affordable insurance policy for him or her self and their immediate family members. Unfortunately, the cost is only going to increase forcing many self-employed to forfeit their current self-employed health insurance for a government-run insurance option. How this will help anyone is beyond current expectations.
Considering the Medicaid expansion is just around the corner, this may open up a once unconsidered option to more self-employed individuals than has ever been before. What quality of medical care will be delivered will become more scarce. It stands to reason because in the near future there will be more individuals possessing individual health insurance policies than before.
This will crowd the entire medical community with millions of individuals, while the medical community grows smaller. There are currently qualified medically trained doctors leaving the medical community than are coming into the medical community. This is a man-made disaster in the making.
It is feasible with the passage of the health care bill, that far too much emphasis has been placed on a long awaited promise that in reality is impossible to deliver. Of course, there are many self-employed individuals who are willing to pay the mandated health tax in lieu of becoming a subscriber to any insurance corporation. However, when the health tax reaches two percent of the annual income, the self-employed will have some major decisions to consider, as all citizens will.…

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Affordable Health Insurance Quotes and How to Get Them

Most Americans don’t know that you can buy medical insurance in much the same way that a lot of people now buy their car insurance – online. You can find affordable health insurance quotes online and get yourself into a policy that is specifically built just for you and your family in a matter of minutes and have the health care coverage that you need.
Living in today’s world without some form of medical insurance is a recipe for disaster. Without medical insurance, you will put off going to the doctor until things get really bad. You will also not take care of some of the preventative matters and testing that everyone should have done. You will find that when you shop for affordable health insurance quotes online that getting coverage is a lot cheaper than you might think.
People have long thought that getting health insurance through your employer as the cheapest way to do it, but that is not always the case. Especially if your employers requires you to help fund the insurance program, then you are probably paying a lot more than if you got your policy individually. So before you sign up for a high-priced medical insurance policy at work, you should shop for affordable health insurance quotes online.
Because not all families are alike, not all insurance policies are, either. You can design your own health insurance policy so that is perfect for your health, the amount of regular visits you make to a doctor, and your budget. Some people find that a low level of coverage is enough, while others want to be able to go to the doctor on a regular basis without paying a high office co-pay. The choice is really up to you, but remember that having coverage of some kind will always be beneficial for your family’s health.…