jacquetta asked:


I am young and healthy and need a health insurance plan for myself. Essentially, I just need health insurance in case of a freak accident that will land me in a hospital. Any suggestions? The cheapest so far has been $51 a month. I don’t care about deductibles or any of that. Just that it has the lowest monthly fee. Thanks!

Cora

edith clarke asked:


Gender gap discovered in health insurance: Women pay more for individual plans:http://www.signonsandiego.com/uniontrib/20081030/news_1n30insure.html

According to the article: “Insurers say they have a sound reason for charging different premiums: Women ages 19 to 55 tend to cost more than men because they typically use more health care, especially in the childbearing years.

But women still pay more than men for insurance that does not cover maternity care. In the individual market, maternity coverage may be offered as an optional benefit, or rider, for a hefty additional premium.”

Whats the difference in what women vs men have to pay for health coverage? According the article above: “The disparities are evident in premiums charged by major insurers like Humana, UnitedHealth, Aetna and Anthem, a unit of WellPoint; in prices quoted by eHealth, a leading online source of health insurance; and in rate tables published by state high-risk pools, which offer coverage to people who cannot obtain private insurance.

Humana, for example, says its Portrait plan offers “ideal coverage for people who want benefits like those provided by big employers.” For a Portrait plan with a $2,500 deductible, a 30-year-old woman pays 31 percent more than a man of the same age in Denver or Chicago and 32 percent more in Tallahassee, Fla.”

Recent Economic affects on women: COBRA’s High Cost Bites Into Jobless Safety Net, especially for women, who have to pay more for individual health insurance: http://www.womensenews.org/article.cfm?aid=4041

Research Study results: Nowhere to Turn: How the Individual Health Insurance Market Fails Women: http://action.nwlc.org/site/PageNavigator/nowheretoturn_Report

So why the gender gap in health insurance, if equality is here in the US? I keep hearing how feminism isn’t needed in the US or the West, we’re all supposedly equal now. What gives?
I don’t have kids, never had them, and won’t have them, so why do I have to pay higher health insurance rates-why don’t I get the rates men do?

So does this mean, based on your answers, that we can stop hearing about gender gaps in auto insurance rates that men pay, since this gender gap in health insurance rates doesn’t matter? Ok, glad I won’t have to hear about that ever again.
FYI: Don’t want any of these, and in the US, these are elective surgeries, meaning, they are not covered by a health insurance plan and the individual has to pay for all of this stuff themselves: breast augmentation and vaginal cosmetic surgeries (ewww). Never had a hysterectomy or a tubal hon-I”d look for any way to avoid both of those surgeries as well. I’ve had my tonsils out though, when I was 5. That is probably why I’m paying such high health insurance costs.

Asia

lifeagent asked:


the new year. What types of things should I write about so that i can inform business owners and individuals what to look for in the new year regarding their health insurance plans?

Addison