The Best Place For Free Online Health Insurance Quotes

Why are there so many Americans without health insurance? Firstly, when an employee is laid off Federal law requires the company to continue to provide access to its health plan at the laid-off employee's expense. COBRA, as it is called, is often two to three times more expensive than what you can purchase on the open market. As a result, the majority of laid off workers decide not to continue their health coverage. Secondly, while health coverage on the open market is considerably less expensive than COBRA, the pre-existing limitation clause of health policies has prevented most workers from obtaining affordable health coverage. As a result, the majority of unemployed, self-employed and small business workers and their families are left without any health coverage.

In March, 2010, as part of President Obama's health care overhaul, the Affordable Care Act was signed into law. This law created a new program called the Pre-Existing Condition Insurance Plan. This program aims to provide affordable health coverage to those persons who have been unable to obtain, or have been denied health coverage, as a result of a pre-existing medical condition. This law alone will significantly reduce the number of people that are unable to obtain health insurance.

I have found that the best way to find a low-cost health plan is to stick with web sites that compare plans across many health care providers at once. This allows you to compare the cost, deductible, plan features, limitations and exclusions. Some web sites make this easy by giving you the option of downloading the plan as s PDF file. Read the insurance policy and make a note of any limitations and exclusions.  Not all policies have the same limitations.  This way you will know what your benefits are so there are no surprises later when you visit the health care provider on your health plan.  If you're looking to obtain medical coverage or just want a cheaper plan, health plans are now more affordable then before.

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