As new health care legislation hangs in the balance, thousands of Americans continue to go without health insurance. Worse yet, as companies continue to reduce jobs, people lose health care insurance benefits as well as the income necessary to purchase an individual policy.
What to do? If you’ve lost your insurance or your COBRA coverage is due to expire soon, it’s time to do your own shopping for individual health care coverage to compare prices and coverage options.
One key point to remember: If you currently have coverage, even COBRA, do not let it lapse till you find another policy. Coverage gaps result in higher premiums for new policies.
There is a lot to consider with health insurance, not the least of which is the general health and ages of members of your family. For example, children under five tend to get sick more often and require office visits. And allergies or asthma, once diagnosed, can remain a stickler for higher premiums even if your child has a mild case or grows out of it.
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