You need health insurance and you must have it immediately. Not Next week. Not tomorrow. But right now!  What do you do, who do you call and how much will it cost? We’ll try to give you the best advice on how to obtain healthcare as quickly as possible for the cheapest (or no) premium.

We’ll assume that you are not presently covered under any type of individual, employer or state-sponsored plan. Let’s also assume that you are not able to reinstate a previously-canceled policy and you are not waiting for coverage to begin through your job within the next 30 days. And of course, we’ll base all of our recommendations  with the assumption you live here in the US.

Short-Term Plans

Temporary health insurance plans are cheap, and often issued either instantaneously, within hours, or during the first day the application was taken. Most companies have this policy in their portfolio and it’s a popular option. But pre-existing condition claims will not be paid. If you need a policy quickly, this type of benefit is for you.

Medicaid

Are you eligible for Medicaid?  If you are, you can apply and have coverage effective three months retroactive to the application date (assuming you would have qualified three months ago). Of course, you must be a US citizen and qualify for the standard residency and immigration requirements.

Another important factor is the minimum federal eligibility level  of the federal poverty level. That is, if you are at or below the level, you may be eligible for Medicaid. For a single person, if you make less than $11,490, you qualify. For a family of three, the amount would be $19,530.

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In 2014, there’s good news as the defining percentage will become 133%. Thus, a single person can now be eligible at $15.281 while a family of three can earn up to $25, 974. In some states, you would not have to wait until 2014 because of recent expansion.

CHIP (Children’s Health Insurance Program) is also offered to children in families that can not afford to buy private medical coverage but also earn too much money to qualify for Medicaid. Each state gets matching dollars from the federal government to provide benefits. Benefits vary by state but this program is a great cheap option for your children if you qualify.

State Health Insurance Exchanges And Marketplaces

In October of 2013, each state will operate (some with the help of the federal government) their own Exchange (Marketplace) that offers healthcare to its residents. One important note is that you will still purchase coverage through brokers and of course our website to ensure you are receiving the best pricing.

If you need healthcare coverage now, there are Open Enrollments that will be available beginning October 1st and continuing through the end of February. During this period of time, you can apply for medical coverage and can not be denied because of any current or past medical condition.

For example, if you were treated for cancer earlier in the year, or you are an insulin-dependent diabetic with many other existing conditions, you should be able to qualify for a policy. And you will be bale to choose from multiple top-rated companies. Each state will have different participating carriers.

Additionally, you may be eligible for a federal tax subsidy that could pay a substantial portion of your premium on an individual or family plan. The Federal Poverty Level guidelines are used to determine your eligibility and amount of premium reduction you will receive.

COBRA

Of course, COBRA will only help if you are eligible for benefits. There is no medical underwriting so your acceptance is guaranteed. If you have lost your coverage, and are eligible for COBRA, you can obtain a policy quickly and avoid any lapse. Usually, companies with 20 employees (or more) will offer this option.

Federal Subsidies May Be Available

However…the rate is very high. Except for rare exceptions, it could be very cost-prohibitive. But if you need immediate treatment for a sickness, illness or injury, you can utilize this contract and keep it until you qualify for a cheaper health insurance plan. For example, if your surgery and total hospital bill is going to cost $50,000, it is certainly worthwhile to pay two months of COBRA, even if the premium is $1,500 per month.

You can apply for a new plan while your COBRA benefits are in effect. But you should not terminate coverage without consulting with us or an experienced broker that will understand your options.

Medicare

If you’re age 65 or older, a US citizen, and have lived here for at least five years, you may be eligible for Medicare benefits (assuming you also meet the employment criteria). There is no cost to receive basic benefits and enrolling is a fairly simple process. Although the benefits are fairly comprehensive, there are some gaps in coverage.

A Medigap plan (Medicare Supplement) can be considered, especially during an Open Enrollment period. Your acceptance would be guaranteed and there are more than a dozen different policies available. Since there are variations in benefits, premiums will be different for each option. Covering the Part A and Part B deductibles would insulate you against potential large bills n the future in the event of a sickness or injury.

A Medicare Advantage plan will cost the least. However, their continued availability is questionable. Often premiums are less than $30 per month since the insurers provide basic Medicare and supplement benefits in one contract. These specific types of policies are not available in all areas and are not offered by all companies.

You need health insurance coverage now. It is possible to secure a policy from may reputable sources. Often, the rate will be quite affordable and benefits are available for all family members.

Kaiser Permanente health insurance quotes are provided free on our website. You can safely and quickly view rates for single, family and self-employed plans and purchase your policy online without paying any broker or administrative fees. If your job does not provide medical benefits, you’re a student or only need coverage for  a short period of time, there are many affordable plans to choose from. If you are eligible for Medicare, you can choose a quality Medigap plan.

Kaiser Permanente was founded in 1945 and is the biggest non-profit healthcare provider in the US, covering almost 10 million people. They integrate their own treatment within a network of loyal doctors, hospitals and many other facilities. Treatment comes first and each nurse, surgeon or any related provider seems to treat their patient as if it is their only one. Also, electronic health record systems provide cutting edge technology that helps with privacy concerns and quickly transferring information in an emergency setting.

What Type Of Policies Can Be Purchased?

Each plan is an HMO (Health Maintenance Organization) designed to provide maximum benefits with the lowest possible out of pocket risk to the consumers. The local networks will give you a wide range of options regarding the type of treatment you receive and where you go to receive it.

Kaiser HMO Plans Cover Preventive Visits

Coverages are fairly typical of HMO plans. Small co-payments  (usually $25 and $35) apply to office visits with physicians and specialists and both generic and brand-name drugs are included in benefits. As expected, a higher out-of-pocket cost will be associated with non-generic prescriptions.

A primary-care-physician is required to help coordinate your treatment. They will also refer the patient to the most appropriate specialist or facility if special care is needed. Since Kaiser has many different locations throughout the country, you may able to receive out-of-state treatment if medically necessary.

What Are Some Advantages To Having An HMO?

One of the most common advantages is cost. Typically, premiums are lower since the network of providers can offer very steep discounts, which then reduces rates. Also, treatment is often more personalized, since you coordinate your healthcare with a  Primary Care Physician (PCP). Maternity benefits are traditionally more available and less expensive with an HMO. However, starting in 2014, PPO, HMO and other comprehensive plans will be required to include maternity benefits.

Are Both Individual And Business Plans Available?

Yes, they are.  Individual and family coverage can be purchased. But also, if you own a business, whether you have a few employees or a few hundred, you can apply for a policy for yourself and your workers. There are many participating labs and pharmacies that make it easier for any person that has a pre-existing condition or needs future treatment. If you prefer, most of the paperwork can be handled online, so you have more time to manage your business or your household.

Keep in mind that specific rates and benefits could change in 2014 when the State Marketplaces go into effect. You can find more information about the Health Insurance Exchange.  Premiums could be effected by possible federal tax subsidies and new mandates that require essential benefit packages to be included on all new policies. Although most of these benefits are already included, there are a few that will be new for consumers.

Can I Buy A Medicare Health Plan?

Kaiser Has Medicare Plans

Yes. For more than 40 years, they have offered or participated in Medicare plans. In fact, in most states, Kaiser has the highest-rated policy available to consumers. Policies are rated by the Center For Medicare And Medicare Services from 1 star to 5 stars. For 2013, only 11 plans (nationally) that offer drug coverage were given the highest 5-star ranking. Six of those were Kaiser’s.

The states with the six recognized contracts are Georgia, Maryland, Virginia, District Of Columbia, Oregon, California,  Washington, Ohio Hawaii and Colorado. There are numerous studies that show that consumers embrace these Senior plans and are very satisfied with the benefits they provide.

What’s The Latest News?

Recently, Kaiser was named one of the Top 50 companies for diversity. They earned a Number 3 ranking on the 2013 DiversityInc survey. About 900 companies were considered as diversity management continues to grow in importance within the healthcare industry.

Specifically, Kaiser earned Top-10 rankings for the hiring and treatment of Latinos, Asian Americans, people with disabilities, Blacks and executive women. And, although unrelated, KP was named as the top HMO in Southern California.

View the best health insurance quotes in Maryland on our website. We provide the lowest Md rates for individuals, families, small businesses and self-employed persons. Within a few moments, you can view the best offers from the most respected insurers in the state and purchase a policy. Most benefits are nearly immediate with no waiting period.

Prices have remained low for many years due to increased primary and specialist care availability, enhanced safety regulations for workers, and comprehensive preventive benefits for infants and toddlers. We will show you which plans provide you with the maximum amount of benefits for the least cost.

Who Are The Top Companies?

CareFirst  Blue Cross Blue Shield is a non-profit company that offers more than 20 competitively-priced plans in the state. The list of providing and participating physicians and hospitals is large and extends to other areas of the country.

The HealthyBlue 2.0 is  a very popular comprehensive plan that features no copay or deductible on primary care visits. Specialty physician copays are only $40 and the two deductible options are $1,500 and $2,500. Prescriptions are also subject to a $400 deductible.

Aetna is one of the nation’s largest insurers and has more than 150 years of experience. Their Network is, of course, countrywide and one of their high-selling plans is their “Value” series. These policies have lower premiums than most of their other offerings. Only four office visits per person (per year) are included that are subject to a copay. But because of the affordable cost, these policies are a customer favorite.

Affordable Maryland Health Insurance Is Available

Coventry  is a relatively new company that is based in Maryland and was created just 25 years ago. But it has grown rapidly and now covers 22 states. They offer both risk and fee-based products and have been expanding into the business market with very competitive products.

The $5,000 deductible PPO policy offers Maryland residents a $25 copay on office visits at a very reasonable cost. Brand drugs are not covered and specialist visits are subject to the deductible. It’s a basic option without a lot of bells and whistles.

UnitedHealthOne is often better known as “Golden Rule.” They are one of the nation’s largest companies and have a wide assortment of available plans along with a nation network of providers.

The Copay “Select” and “Saver” plans offer consumers a choice of comprehensive or basic coverage with varying degrees of office visit benefits. There are a wide choice of deductibles and of course, preventive expenses are fully covered. The “vanishing deductible” feature also rewards individuals and families that don’t have large claims.

Kaiser Permanente  allows you to coordinate benefits with a primary care physician (PCP), and is the nation’s largest non-profit healthcare plan. Kaiser Foundation hospitals form the backbone of the major medical care.

The KP 2000 is a comprehensive HMO option and is one of their top-selling plans. Copays are $30 and $40 for office visits but do NOT apply to children under age 5, which is a very nice gesture. Maternity benefits are included.

For group and small business coverage, Kaiser, CareFirst and UnitedHealthOne offer competitive options. As an example, for a company with six fairly young employees, there are a few options under $1,500 per month including Kaiser’s MDSG high-deductible plan. More comprehensive policies can also be purchased for under $2,000 per month including CareFirst’s Core Option.

What  Is The Maryland Health Benefit Exchange?

Get Maryland Health Insurance Exchange Rates

The MHBE is the state insurance Exchange (Marketplace) that will offer Open Enrollment in October (2013) for 2014 effective dates. Under The Affordable Care Act, MD residents will be able to purchase coverage without answering medical questions. That will help persons with severe medical conditions, but otherwise healthy applicants (especially those that make more than $50,000 per person and $95,000 per family) could pay more than anticipated. For children, the CHIP program is currently active and provides a reputable solution for kids in low-income households.

There are about 750,000 residents without coverage and they will be helped the most. Small and large business owners may find some attractive options although some company owners may choose to pay a penalty that costs far less than providing benefits to employees. The employees would then be able to buy policies through the Exchange. Residents over the age of 65 may be eligible for Medicare and possibly a MediGap plan.

A call center and “navigators” may provide some assistance in the application process. Utilizing more experienced and unbiased brokers (there are no fees) may be the best way to ensure you’re receiving the maximum amount of federal tax subsidy and that you are being made aware of the best plans, both inside and outside of the Exchange. After you request a quote on our website, we’ll begin researching your best Maryland healthcare options.

We make it easy for consumers to find the lowest health insurance quotes for Colorado.  Within minutes, you can view top-rated single and family medical coverage at the best direct prices. And if you need to quickly purchase a plan, we can help you find the most appropriate coverage and apply for a policy. We give you a clear explanation of the coverage and cost of each policy so you can choose the right plan.

Who Are The Top Carriers In Colorado?

Anthem BlueCross Blue Shield, Humana, UnitedHealthOne (UHC), Kaiser Permanante and Rocky Mountain Health Plans are the five major insurers that offer the most competitive pricing for long-term and  short-term policies. UHC issues coverage through the “Golden Rule” brand name, and along with Humana offers the cheapest non-temporary options.

Anthem is perhaps the best choice if you have reached age 65 and need a Medicare Supplement plan (Medigap). Plans A,F and G are their primary offerings. Aetna, Anthem and Humana offer competitive Medicare Advantage policies. Humana, Cigna, WellCare, Anthem and Aetna offer Medicare Part D (prescription) plans.

Compare Low Cost Colorado Health Insurance Rates

How Quickly Can I View Prices?

Within minutes since it is a very simple process. Once we know the zip code where you reside, current rates can be calculated for yourself and any other family members. Naturally, prices on “temporary” policies will be the least expensive, since benefits are basic and a deductible typically applies to most coverage.

Until State Exchanges (also referred to as Marketplaces) are fully integrated in 2014, medical history can influence rates. However,  Exchange premiums are expected to be higher, so it may be advantageous to purchase a plan before an Open Enrollment. However, a federal tax subsidy could help you pay your policy. We can quickly determine which option benefits you most.

Approximately, How Much Does Coverage Cost?

Of course, there are many variables. But we’ll base monthly prices on a hypothetical healthy 34 year-old male living in the Denver area. Listed below are some of the more affordable options:

$88  UHC Saver 80 with $10,000 deductible

$117 UHC Saver 80 with $5,000 deductible

$137 Anthem ClearProtection $3,300 deductible

$152 Kaiser Permanante HMO $7,500 deductible

$166 Cigna Open Access Value $2,500 deductible

$199 Kaiser Permanante HMO $3,500 deductible

$212 Rocky Mountain Solo Outlook $2,500 deductible

How Do I Buy A Colorado Health Insurance Plan?

It’s actually very easy. Once you have requested a free quote on this website, shortly, you’ll be presented with the best options for your medical coverage. After you have picked the plan to apply for (you can choose to compare yourself or utilize our assistance), you will be asked a series of medical questions. Most carriers allow you to apply through an online link that will be provided, by fax or by email.

Does It Make  A Difference Where I Live?

Yes, it does. Although it is not a significant difference, often bigger cities, such as Denver, Aurora, Lakewood or West Adams, will have different pricing than smaller cities, such as Durango, Fort Carson, Wheat Ridge or Fruita. One of the major determinants in rates is how expensive (or inexpensive) the cost of an office visit, lab test or daily stay in a hospital is. And of course, the proximity of the hospital or provider will impact the prices.

The process will change starting in 2014 (actual Open Enrollment begins October 2013). We will continue to help you find the best medical coverage in Colorado. However, your premium will no longer be based on your health. Instead, where you live, how old you are, whether you smoke and how much money you make will be the main criteria. A “Marketplace” in the state will decide which plans you can purchase and what companies will participate in this Exchange.

Have you ever been  a victim to a health insurance scheme? Perhaps you lost money and submitted a large hospital claim and very little (or none) of the bill was paid. Scams such as this are common in the medical industry and we’ll show you how to avoid getting ripped off.

Do You Need Coverage?

Perhaps the first important point to consider is if you need healthcare coverage. If your employer provides group benefits or you pay separately for a private plan, AND you are satisfied with the price and coverage, quite simply, stay where you are and discontinue the shopping process. However, if you are  currently without coverage or are not completely satisfied with your existing policy, then you need to continue reading.

Where Do I Go To Shop For A Policy?

There are many safe places. Naturally, our website is one of the most highly respected resources in the industry. When “surfing” online, it’s critical to select a website that has rich accurate content that is written by the owner(s) of the website. If you notice that proper punctuation and grammar is lacking, it’s very possible that many of the articles are written by someone outside of the US with limited knowledge of health insurance plans.

We’ll Research Healthcare Plans For You

Also, check the freshness of the information on the website. Are they talking about outdated plans. Is there recent discussion of changes in the industry, such as State Health Exchanges and “The Affordable Care Act.” If not, it may be best to “x out” and find a more reputable resource.

How Do I Determine If The Insurer Is Legitimate?

Of course, if it’s a “name” company, such as Blue Cross Blue Shield, Cigna, Humana or Aetna, there’s no need to investigate further  regarding their legitimacy. But you may not be as familiar with smaller regional carriers such as  SummaCare in Ohio or Amerigroup that offers coverage in 13 states. When you encounter companies that you simply don’t recognize, either check their rating with either A.M. Best Co. or Standard & Poors, or view the carrier’s “Complaint Ratio,” which is often found online. Of course, at your request, we will always furnish that information.

It’s  worthwhile to check for “disclaimers” on a website or hard copy that disclose that the product being sold is actually not insurance at all. It may be a combination of discounts or negotiated pricing packaged with other items instead of an actual healthcare contract from a licensed insurer.

What Should Never Happen When I Apply For A Policy?

You should never apply for coverage without reviewing (in writing, either online or hard copy) a copy of the policy benefits and the actual application. Too many times we have heard nightmare situations where an applicant bought a policy with the promise that the details will be mailed, emailed or faxed. That’s NOT the way its supposed to work.

Certainly, you would not purchase a refrigerator or a car without inspecting the product. The same theory applies to buying health insurance. When purchasing a policy through a State Exchange, it is much simpler to use our website (or another reputable resource). Why? Because after you have received your free quote and perhaps decided to apply for coverage, most consumers do not want to navigate through a 15-page application, figure out if a tax subsidy applies and how to obtain it, and then determine the difference between a Bronze and Silver policy.

Just as importantly, you should never pay any person, entity, company or “navigator” to assist you in applying or buying medical coverage. There are no exceptions to this rule. Whether it’s a nominal fee of $5 or a charge of hundreds of dollars or more, there is no justification that warrants you paying for that type of service. There are instances where you will be asked to “contribute” for this type of assistance. If that occurs, it’s time to immediately terminate communications with them and allow us or another reputable entity to help you.

If I Am A Victim Of A Health Insurance Scheme, Then What?

If that occurs, and assuming you have payed money, immediately block any checking accounts or credit cards from the company or or individual that has duped you. Often, however, it is a marketing agency or independent brokerage firm that can hopefully step in and assist the process. Contacting your State Department Of Insurance (DOI) is also highly recommended, especially if any fraudulent activity is suspected. And of course, rescinding the policy and securing a full refund should be requested in writing.

Einsurance health insurance is affordable medical coverage that is offered online to consumers. By purchasing plans over the internet, company expenses are lower, which often translates to lower prices and improved customer service.

Recently, small business owners, along with many individuals and families, have discovered that all of the biggest health insurance companies (Blue Cross, Aetna, Cigna, UnitedHealthcare and Humana) conduct a large volume of their business in the Einsurance manner. Quality actually increases and buyers often pay less.

And why not? Typically, you are asked to provide your zip code along with some other non-personal questions, and you can find the cheapest rates in the area where you live. Since there can be large fluctuations in prices in the same state, it makes it more important to properly “shop” so you are considering all of the best carriers.

Within a short period of time, you can view hundreds of different plan options for both temporary and long-term plans. If there are existing pre-existing conditions, an Exchange or guarantee-approval option can be used. You can also request different riders to be added. For example, cheap maternity health insurance can be added to many plans, but not all of them. It may take some extra legwork (we can help) to find the best choices.

Shop And Save On Your Healthcare In Minutes

We realize that there are very few consumers that will be thrilled about viewing, and ultimately choosing their medical coverage from hundreds of options. If you prefer to do all of the research and investigating yourself, you will have plenty of unbiased resources to use on our website. You can also apply directly to the insurer and still receive the lowest pricing. If you are eligible for government financial aid, we will help you maximize the amount you are entitled to receive.

But you can also receive the lowest rates with the help of our experienced brokers. The assistance is free but you may easily save hours of your time. We can quickly find the most suitable policies and greatly simplify the application process. Our unique marketplace allows you to find the best offer in minutes and apply directly to the carrier.

But changes are coming! The Department of Health and Human Services has implemented the Affordable Care Act and you will apply for coverage differently in 2014. The process will not necessarily be easier, but if you have a chronic condition, or have been denied coverage in the past, you will be helped.

Most applications will be submitted online although hard-copy applications will probably be offered to persons that do not have a computer, do not have access to the internet or are uncomfortable with handling financial transactions online. Special “navigators” or community outreach programs may be able to assist consumers that fall into that category.  This may be especially helpful to persons that don’t own a computer or are not comfortable using one.

One of the biggest changes in buying medical benefits will be the application of instant tax credits at the time of purchase. For example, these “subsidies,” will be based upon income, and naturally, the less money you earn, the larger your subsidy will be. Larger families will be eligible for increased financial assistance.

The initial Open Enrollment for Exchanges begins in October, although you can apply for conventional coverage at any time between now and that time through our website. Einsurance is the easiest way to purchase health insurance online in minutes. We’re here to help.

We find the most affordable medical insurance rates in the state of Washington. Typically, the Northwest enjoys some of the most favorable prices for healthcare. Premiums offered by the major companies are usually very budget-friendly and “Basic Health” is available for households whose income (before taxes) is below 200% of the Federal Income Guidelines. It only takes a few minutes to calculate your costs.

Prices will not be the same in all parts of the state. For example, individual premiums in Seattle or Spokane will not be identical to rates in Yakima or Tacoma. The proximity of hospitals and physicians, and the effectiveness of their treatment, will affect what you pay. Naturally, we find the most competitive offers from all of the “big players.” And since prices change so often, we update the best options daily.

The Carriers

The five top insurers in Washington are Lifewise, Regence Blue Shield, Assurant, Group Health and ODS. Each carrier offers individual and family plans that are underwritten with medical questions. A physical examination is rarely required. After 2014, the Affordable Care Act will establish a State Exchange that will eliminate any medical requirements when purchasing a policy.

A system of tax credits and subsidies may help you pay your premium. You can continue to utilize our website for the purchase of coverage. We will assist you in the comparison of benefits and costs and calculating the amount of subsidy you are eligible to receive.

Lifewise prides itself on great customer service and a vast network of more than 15,000 doctors and facilities. The WiseEssentials copay plan is one of their most competitive options with three office visits per year and many deductible options (including  budget-minded $7,500).

Affordable Washington Health Insurance Plans

Regence Blue Shield is a non-profit entity and one of the largest insurers in the Pacific Northwest. They operate in four states and are often actively involved in the local community. The Evolve Core, Evolve HSA and Evolve Plus are the three principal policies offered. The Core plan is the most economical but still features four office visits with a $35 copay. A deductible does not have to be met for these four trips to the doctor.

Assurant has been offering policies for more than 100 years although you may recognize them under different band designations such as “John Alden” or “Time.” Their most competitive niche appears to be in the short-term and small business markets. Their prices on more traditional copay plans have seemingly increased, especially in the last decade. Often, State Farm agents have access and offer Assurant products to their clients.

In Washington, Their most competitive offering is the “Catastrophic” plan at either $10,000 or $5,000 deductibles. As the name implies, it’s typically utilized for situations where you want the cheapest premium and only need to provide benefits for inpatient and outpatient hospital stays along with ER treatment. But you can still get an annual physical at no cost.

It does have a relatively high 50% coinsurance, but there are four available office visits that receive just a $35 copay and drugs are discounted. Overall, it’s not a bad option if you are on a tight budget and currently have no ailments that need to be treated.

Group Health is a non-profit entity that provides coverage instate and also in parts of Northern Idaho. It was established more than 60 years ago and is uniquely operated by an 11-person committee instead of your typical Executive Board. As a result, there’s a very close relationship between company employees and the local community. Currently, both group and private policies are offered.

The “Welcome 3500″ plan is a popular HMO option with a $3,500 deductible and relatively high 50% coinsurance. However, a $30 copay is available for the first four office visits per person. Establishment of a primary care physician is required, since it is an HMO. Also prescriptions are not included. If you’re looking for “value,” this plan qualifies.

ODS was established in 1955 and utilizes the First Choice Health PPO and ODS networks to ensure easy availability of doctors and hospitals. With more than 1000 employees, it’s a big enough carrier to be able to offer competitive products.

Healthcare Reform Is Here

The Hybrid 2500 policy is available to individuals and families at attractive rates. Although only three office visits receive a copay, the $25 amount is one of the lowest available in the state. Once again, like many plans, prescriptions and maternity are not covered. However, a nice little bonus is six visits to the chiropractor included (and acupuncture) in benefits.

The Exchange

The Washington Health Insurance Exchange (Marketplace) will be accepting applications in October (2013) for 2014 enrollment. (When you request quotes on our website, you will be able to view your options). Close to a half of a million persons may be applying for coverage. Senate Bill 5445 created the establishment of the program, which is designed to offer affordable medical plans to all residents, regardless of income.  The program is also referred to as the “Healthplanfinder.”

There will be no required medical underwriting since it will be community-rating based. Your age, zip code and smoking status will be the principal criteria to determine pricing. A federal tax will be levied for residents that do not purchase coverage (since it is now a law). Also, subsidies (in the form of instant tax credits) could potentially greatly reduce your premium.

The “Basic Health” program that was previously mentioned, may be a viable option if your gross income is below 200% of the Federal Income guidelines. However, there are some requirements to meet including having US citizenship and living in the state. Also,  you must be under age 65 and older than age 18, not be Medicare-eligible or on a temporary visa. Also, keep in mind that there is a waiting list. Additional income requirement information is found here. You can also contact us for specific details.

The rates are very competitive for this program. For example, if your household income is approximately $20,000, the monthly rate for a couple (both ages 40-54) is $129 per month per person. Rates may vary by county and in this example, we used Jefferson,  Mason and Spokane counties. The three available options are UnitedHealthcare Community, Molina and Community Health Plan Of Washington. Overall, it’s a solid choice if you can qualify.

Nine carriers have said they are going to participate in the Healthplanfinder. Bridgespan and Premera Blue Cross are two of a handful of companies that have submitted their prices for the Exchange. Preliminary monthly rates are approximately $220 for a 21-year old and $600 for a 60-year old. Of course, the federal subsidy is not included in those prices.

As plans and benefits (and prices) change, we will keep you updated. Currently, there are many affordable individual and family policies available. We make it easy for you to compare and apply for coverage. Providing your zip code is the first step.

Like most of you, I enjoy eating. Sometimes, I overeat (especially at buffets), but most days, I enjoy healthy relatively modest portions. But although I enjoy the popular TV show “Bizarre Foods” hosted by Andrew Zimmern, I rarely put anything in my mouth that is moving, slimy, or smells worse than four-day old turkey breast.

Disgusting foods are for other people, not me. However, because they are gaining in popularity, here’s a Top-10 List that I won’t touch with a 100-foot pole. Enjoy these scrumptious delicacies  and tell me all about them. But please…don’t send pictures.

Balut I’m guessing that 99% of our readers never heard of this. Consider yourself fortunate. Balut is a duck egg that contains a recognizable embryo. That’s right. You can actually see the legs and other gruesome things. It’s mostly found in Asia, and despite the large amount of protein, I couldn’t fathom ever eating one, even if it was a matter of life and death!

Casu marzu No, it’s not a professional basketball team in Italy. It’s actually rotten cheese. And it gets worse. This decomposed cheese contains live moving squishy larvae to make the experience truly unique. But here’s the trick. If the maggots in the cheese are alive, it’s safe to eat. If they are dead, it’s unsafe. To me, it makes no difference whether they are dead or alive. I’m not eating it. Ever!

Tripe. Actually, it doesn’t sound too bad, but it is. Tripe is the edible portion of the stomach from assorted animals, such as cows and pigs. It comes in two forms. When unwashed, it has an awful smell and contains undigested food that the animal may have eaten. Often, in this form, it is used for pet food. It also can be washed and boiled which removes some of the odor. But the taste doesn’t improve much and the popularity of this food is declining. Rightfully so.

Tripe

Bull’s testicles  Actually, testicles from any animal makes my list. For obvious reasons, I don’t think I need to go into great detail regarding why. Oddly, the texture (when cooked) isn’t bad, and when cooked in the right sauce, the taste may be somewhat palatable. But just knowing that I am eating that  specific body part…well…I would rather have a root canal. And children.

Lutefisk Mostly found in Scandinavia and surrounding areas, it is a whitefish that has been dried with lye and other unusual ingredients. It’s prepared by drenching in water for approximately 7-10 days. It tends to easily fall apart and has a spoiled smell that must be masked when cooking. It can be prepared with pepper or melted butter and you may occasionally see this dish pop up in Minnesota. Don’t count on seeing on many menus.

Eggs Wait a minute! Eggs? There must be some type of mistake. Sheepishly, I must admit that I (just me) hate eggs. I can’t ever remember liking them, although I have been told that I liked hard boiled eggs in junior high school. I realize that many foods contain eggs as an ingredient, but that doesn’t change my feelings about them. In fact, when my wife is baking, I always ask, “Are there eggs in that recipe?” She usually always says no. I don’t believe her.

Monkey brains I don’t think I have to elaborate much here. Actually, any brain would be horrifying to eat. And believe it or not, in some cultures, the raw brain is consumed. Even if eating them makes you smarter (bad joke), I won’t do it. Ever.

Pacha It doesn’t sound too threatening, does it? Maybe a game for kids or a light coat for adverse weather? Well…Try again. It’s a dish in Iraq that consists of one major ingredient. A sheep’s head. Sometimes the stomach accompanies this dish to make it more tasty. And the liquid used to cook the head is also part of this scrumptious meal. Rice and onions are also served. I assume to kill the taste! Note: Apparently there is also a nightclub franchise with the same name. I assume they are not related.

Eggs Are “Fowl” Tasting

The lasagna from my junior high school in Pa  Sure it’s been more than 40 years ago. And yes,most other classmates liked it. But I have never forgotten the taste, even though I only took two bites. I never should have taken that second bite. Or the first. Oddly, I don’t mind lasagna today, although I try not to think back to adolescence when I’m eating it.

Chicha It’s a corn beer that ferments for 2-4 days. It’s mostly consumed in South America and often used for specific rituals or religious ceremonies. It contains a little bit of alcohol and looks like apple cider. OK. That’s not so bad…so far. But here’s the kicker. In certain societies, the person preparing the chicha will pre chew it and form small patties before the drying process begins. Would you like your food pre- chewed? I didn’t think so!

Celtic medical insurance plans are inexpensive private health care options for many individuals and small businesses in the US. Although many consumers are not familiar with this popular carrier, Celtic specializes in simple, yet affordable no-frills policies that are budget-friendly. You’ll find their most competitive pricing on our website.

Who They Are

They started in Chicago in 1978 and still maintain their home office there. A year later, their policies were available in all states (except one) after they purchased another insurance company. In the late 1990s, they were an early pioneer in offering online policies to customers. A.M.Best Company awarded a “Good” rating that has been maintained for many years.

Centene Inc. actually owns the company (purchased in 2008) and is committed to providing innovative policies that are well price-positioned in most areas. Centene specializes in servicing medical benefits to consumers along with persons that are eligible for CHIP and Medicaid. Currently, one of the few types of policies they don’t offer in allstates is a short-term plan. If you need that type of coverage, you can purchase it here, which is part of our website.

The Most Popular Plans

CeltiCare Preferred is a comprehensive PPO plan that somewhat resembles benefits you would receive from your employer. There is a $25 copay on the first four office visits (Preventive covered at 100%) for all members of the family. Additional visits will receive a repricing discount.

Simple generic prescriptions are covered with a $5 copayment. Brand preferred and non-preferred drugs are subject to a 30% coinsurance after a $500 deductible is met. This type of split-arrangement is typical of many comprehensive medical plans. Obviously, whenever possible, ask your physician to utilize the cheapest RX available option.

Celtic Health Insurance Plans Include Prescriptions

Like most carriers, if a generic substitute is offered, you should use that drug or you will have to pay the difference in cost of the two drugs. Naturally, your personal physician should have strong input in the decision. Occasionally, the cost difference between both options is not substantial.

In some states, limited psychiatric treatment will be included, although there is likely to be a limitation on the number of visits. A supplemental accident or term life rider can also be added to the policy. However, for face amounts above $50,000, you can probably find more competitive rates through major life insurers.

Basic is…well…a basic plan! It’s cheap, economical and although a few corners are cut (which is expected), this option is not a bad “first policy” option. Although routine annual physicals and similar treatment is fully covered, only two other types of visits are included in the policy. So if you rarely visit a physician, it’s not a big issue. Otherwise, it may not be the best choice.

If you have a major illness or injury, you will pay more out of pocket than the Preferred plan. The same applied to prescriptions. The $500 deductible is doubled to $1,000 and the coinsurance also increases. Once again, if you rarely use brand name drugs, you won’t mind the differences. Naturally, there is no accurate way to predict what your prescription usage is going to be over the long run.

Two additional costs are a $500 hospital confinement and $350 outpatient hospital charge. These would be in addition to any other applicable fees or expenses. If you never use the major medical portion of your policy, these will not be issues. Otherwise, they are another fee that will have to be paid.

There is also an “Any Doc” option that allows the customer to utilize any physician regardless of network affiliation. This feature is especially attractive if you live in a rural area or you simply prefer to keep using a doctor that is not in the Celtic network.

The CelticSaver HSA is their version of a Health Savings Account. It features all of the advantages of that type of plan (deductible contributions, control over the delivery of your benefits and rollover of unused funds). Individual deductible options range from $2,000 to $6,000 and family options are $4,000 to $12,000.

Their best pricing seems to be in the $4,000 to $8,000 range. The 30% coinsurance feature is a cost-saver for budget-minded consumers. The creation of a separate account to make tax-deductible contributions is optional. However, if you plan on keeping the policy for an an extended period of time, we advise you to set it up. A Managed Indemnity option is also offered that allows you to use any provider.

All policies include  a “Healthy Lifestyle” benefit that reimburses the policyholder for specifically-designated memberships to exercise clubs and certain similar facilities. The maximum payout is $300 and 1/4 of the membership cost. Also, a free annual vision examination is included with all company plans along with many other eye-care related services including new lenses  annually and new frames every other year. Even a LASIK discount is included.

But what about the most important thing? What about Celtic’s rates? Are they competitive in most areas? Actually, they are. While their policies are rarely the least expensive option when comparing to other insurers such as Blue Cross or Aetna, often one of the available contracts will be a good option to choose for a specific circumstance. So our advice is to keep them on your short list of  companies that you are considering.

Beginning in 2014, individual and family health insurance plans will be purchased through State Exchanges. New rates and regulations will change how we purchase medical coverage and the price that we pay for it. Our website provides the lowest available Exchange rates, and makes it easy for you to apply for a policy. We will also help you request any tax credits that may reduce your premium and teach you about the Affordable Care Act and the newly-created Marketplaces.

What Will Be Different About Buying Coverage Through An Exchange?

Each policy that is offered must (by law) contain certain provisions, whether you request them or not. Some of these benefits are newborn and maternity, substance use disorder, mental health, treatment of behavioral health, vision and oral care, prescriptions and management of chronic diseases. Of course, this is  just a partial list of ailments that must be covered in advance. Each year, it is expected that the Department of Health and Human Services (HHS) will add a few new mandates.

When Will Rates Be Available?

Your Health Insurance Exchange Application Is Approved!

Prices will be published by each state separately, since costs will be different. Vermont was the initial state to publish their premiums. Vermont Health Connect will charge between $750 and $1,750 per month for a family, depending on the plan. Tax subsidies, if available, will reduce these amounts. Blue Cross Blue Shield of Vermont and MVP Health are the two carriers that will offer policies in the state. Although Vt. is preparing to become a single-payer system, it will not be effective until 2017.

Will You Apply For Coverage Like You Do Now?

Applications will look completely different. One reason may be because there will be no medical questions! Although your premium can be adjusted due to your age, smoking status and zip code, your overall health will have no impact on prices. So hypothetically, an applicant that is treated for terminal cancer and insulin-dependent diabetes will pay the same rate that a perfectly healthy person pays (assuming same age etc…) Is that fair? I suppose that depends on what medical conditions you are being treated for.

We have set up a special section of each page on our website to enter your zip code. That will generate a free online quote so you can easily look at the different plans. Ultimately, if you decide to apply for benefits, we will help, including determining how much money the government will give you.

Will All Of  The Big Companies Offer Policies in 2014?

Initially, they probably will, although they may not offer policies in every state.  This includes the “biggies” like Blue Cross (Blue Shield), Aetna, UnitedHealthcare, Humana and Cigna. Although there will be other carriers that join this group, it is expected that some of them will eventually stop offering individual health care coverage to consumers. Why? The toll of having to guarantee unlimited benefits to anybody who applies for a policy is a tremendous financial risk. And not every insurer can sustain paying out higher than expected claims every year.

Will I Be Able To Keep My Current Plan?

Although President Obama said you can, most industry experts say it won’t be possible for every plan to be kept. In fact, it is possible that the majority of plans will not be able to be kept. Since there will be requirements (by law) to include maternity, mental health coverage, drug addiction treatment and contraceptive coverage in all policies, any existing plans that don’t include them, will have to be scrapped.

Will Your Family Save Money Through The Health Exchanges?

While it is possible that some of these plans can be revised to include these benefits, that will force premiums up. Also, it is assumed that many employers will opt to pay a small fine instead of offering health care to their employees. This could save millions of dollars, and it would be hard to explain to company shareholders why they did not do this. And certainly, the number of part-time employee hires will be greater than ever, since benefits paid will be a fraction of what full-time employees will receive.

Our Household Income Is More Than $100,000. Will We Receive Tax Credits?

No. The maximum family income to receive  a tax credit is about $95,000. So you would have to pay the entire cost yourself. However, by selecting an HSA plan, you will be able to lower your premium and tax-deduct contributions you make to the Health Savings Account portion of your coverage. In fact, we expect HSA plans to be one of the most popular options for families that want to pay as little as possibly but keep control over their costs and benefits.

Can I Buy A Plan Outside Of The Exchange?

Yes, you can. However, you may not be eligible for tax credit reimbursements by purchasing an outside policy. However, assuming it is a reputable plan from one of the large insurers, the premium you pay could be substantially less than what is typically available. In that situation, it may benefit you to choose coverage outside of the Exchanges, especially if your household income exceeds $95,000.

Will HSA Plans Be Available?

Fortunately, they will, and all tax advantages of these types of contracts should remain. We anticipate that the usage of HSAs will substantially increase in 2014. Many of the other plan options will be very expensive to consumers that are in excellent health and thus, may not utilize many of the benefits that will be required to have. Blue Cross, UnitedHealthcare, Humana and Aetna (and perhaps some other carriers) will be some of the companies offering the best options.

Are The Establishment Of  The Health Insurance Exchanges The First Step Towards Socialized Medicine?

That depends on who is answering the question. We have 32 years of experience in this field, so we believe we are fairly informed and unbiased. Based on the large number of unanticipated claims that will be filed by previously uninsured persons, there will be a lot of financial pressure on the health insurers, especially the smaller regional carriers.

Not all of them will survive. And what happens if only a few are left…or perhaps even one? That would create a very gloomy outlook, which would almost guarantee that federal intervention would be required, and probably a single-payer socialized medicine health care system.  But let’s give the Exchanges a chance. The concept might work.