Health Insurance For Individuals Questions Answered

Chris asks…

Is it constitutional for the Federal Government to mandate that all individuals purchase health insurance?

This provision of the health care bill seems unsupportable to me. I don’t know what constitutional authority such a requirement would be enacted under.

Brad Selers answers:

No, and neither is providing healthcare to the american people. But since precedent has been set, there may not even be recourse in the SCOTUS now to stop this.

Susan asks…

What is the best health insurance for individuals?

Brad Selers answers:

There are many types of policies for individuals:-
Hospitalization Plans, Accident Polices, Alternative Plans, Medical policy.
Policy provisions vary from company to company. In fact, you must be careful in choosing a policy since some contracts have provisions that can wind up costing you considerable money outside of the deductible and coinsurance.
Know more on health/ Medical insurance and Compare the Cheapest Insurance Quote before going for any plan.

Http://www.paisawaisa.com/insurance/health-insurance.aspx

Helen asks…

Is there an employer sponsored health insurance plan for individuals?

I am currently under a foreign policy from my homecountry and I need to sign up for health insurance in the US. My employer is willing to sponser me. However, I am not eligible for a group plan because my only other coworker is insured thru his wife. Is there an individual policy out there that allows me to have the premium taken out of my paycheck pre-tax? Also, any hints on how get a good deal on health insurance without getting hundreds of calls from agents? I already turned my phone off.

Brad Selers answers:

There are ways around it.

Depending on what state you’re in, and the nature of your business, you may be able to get group coverage for just you. The easiest way is to pick an independent agent have a sit down and work with him/her.

Without the hundred phone calls? You’re looking at spending time online, hunting through the carrier websites for contact information and calling up the companies to get a quote. That’s really the only way to do it.

The pre-tax deduction is most commonly referred to as a Section 125 POP, many carriers offer them alongside an insurance plan. You must set up the Section 125 in order to take advantage of the tax savings, however, otherwise you’re SOL.

If you’re in California, feel free to contact me and I will be happy to walk you through how to make this happen.

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