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  • Add You - Alternative Low Cost Health Insurance - Staying on Top of It

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    ce the cost?

    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. L

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    Some things in life are taken for granted and the privilege of having health insurance may be one of them. Employers have to give their employees some kind of benefit program in their overall compensation package. The employee expects it and enjoys the security of having good health insurance. Everything changes when the employee leaves the employer. Insurance decisions have to be made. No one can escape from this process. The employee soon finds the cost to continue the insurance to be much more than expected and they start scrambling for alternatives. Are there alternatives? What can be done to reduce the cost?

    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. Lo

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    ind of benefit program in their overall compensation package. The employee expects it and enjoys the security of having good health insurance. Everything changes when the employee leaves the employer. Insurance decisions have to be made. No one can escape from this process. The employee soon finds the cost to continue the insurance to be much more than expected and they start scrambling for alternatives. Are there alternatives? What can be done to reduce the cost?

    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. L

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    g changes when the employee leaves the employer. Insurance decisions have to be made. No one can escape from this process. The employee soon finds the cost to continue the insurance to be much more than expected and they start scrambling for alternatives. Are there alternatives? What can be done to reduce the cost?

    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. L

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    ost to continue the insurance to be much more than expected and they start scrambling for alternatives. Are there alternatives? What can be done to reduce the cost?

    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. L

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    There has been a major shift in thinking by the insurance buying public over alternatives to lowering the cost of health insurance. Low deductibles are a thing of the past. It has taken some time to change the thinking about having low deductibles. Low deductibles mean less out of pocket expense. It works the opposite in today’s market for health insurance. The premiums paid for lower deductibles are so high that it no longer makes sense to have them. The higher deductibles reduce the premium dramatically. There are deductibles as large as $5000 in some health insurance plans.

    Two Alternatives

    1. Take the highest deductible that you can afford. This is called self-insuring. You are insuring yourself for the deduct

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