sunshine1987 asked:


I’m currently trying to buy an individual health insurance plan. There are two companies that I’m interested in–Aetna and United because I think those are the two best companies. However, I’m trying to decide between the two of them. Which do you think is better?

Mariam

Melissa Baker asked:


For starters, cons, the caps was McCain’s plan.

Secondly we need not some $8000 cap, we need 0$ cap, that is the end to tax subsidies of health care. Once health care plans are no longer tax deductible, the employers will abandon group plans, and give you the cash instead. You will have to buy you insurance in individual market.

Individual market was never subsidized by tax deductions. The result (according to CBO) is that individual health insurance plans cost ony one third to one half of group plans.

Jaliyah

to much Children asked:


United Health One health insurance plans for individuals and families.
http://unblockyoutube.cn/health-insurance.html

Kathryn

emurphyj asked:


If the LLC wants to deduct the insurance premiums as “guaranteed payments” on IRS Form 1065, would the health insurance plan have to be established under the LLC or can the partners buy individual health insurance plans (under their name) and pay the premiums with their own money and then the LLC re-imburse the partners?

Kyleigh

Nathan G asked:


The guy is 69 years old and has had 5 heart attacks. I would like to know how much he would pay for an individual health insurance plan under our current system. I’m sure we as tax payers are footing the bill.
Interesting answers- but nobody has put a number anywhere. Can anyone come up with an estimate for someone with similar traits?

Raven

Dua Dua asked:


Individual health insurance quotes and individual medical insurance plans are available by contacting All Aboard Benefits, an insurance agency that provides …
http://abdurrahmanwahid.cn/health-insurance.html

Sofia

asked:


Which is the best individual health insurance? Any body please inform me.
Which is the best health insurance plan to choose as individual and family floater ?

Jade

Casey asked:


. . . in some states? Thus in effect stating that if you’re good enough to be employed (at an employer that still offers health insurance), then you have to be health-insurable.
Texas must be kind of like a quasi-socialist state, due to all the exported-oil-tax revenue that’s generated there.

Brandi

horusprim asked:


I don’t have real good health good health insurance as of now. However I am able to access medical care because of a county subsidized health program. But, the benefits are extremely limited.

I have used the county health program to see a doctor about problems with my right eye. several times over the last 2 years. I was told that the problems with my eye are cause by me being overweight.

My last appoint to see a ophthalmologist was mid October of 2009; which was inconclusive. I have a follow up examine; on the morning of January 10th 2010.

Now I want to get real health insurance and spent the last week researching the various options. Right now my only option is to get an individuals health insurance policy for a single, non smoking, 35 year old male.

Based on my research, my eye problems will be excluded on any individual insurance plan as a “pre-existing condition”. However, the rules for a group health plan are different and more favorable.

In my state:,
“”"A group health plan can apply a pre-existing condition exclusion period only those conditions for which you actually received (or were recommended to receive) a diagnosis, treatment or medical advice within the 6 months immediately before you joined that plan. This period is also called the look back period.

…

Group health plans can exclude coverage for pre-existing conditions only for a limited time. The maximum period is 12 months.”"”

I interpret that to mean that if I sign up for a group health plan and had sought medical advice, treatment, or diagnosis, for anything, with six months of joining the group health policy; then the insurer can apply a “pre-existing condition exclusion” for 12 months.

Also, I learned through research, that it is a lot less difficult to quality for group health insurance than you might think, in my state. In fact, it seems that if you form a business entity, like a S corporation, C corporation, or limited liability company, and have at least one employee; than you legally qualify for “group health insurance plan”.

Now the problem I mentioned earlier I am having with my eyes may be attributable to me being overweight like that doctor said. Or you could from some unknown more serious problem. If it is more serious, then I am screwed, since there is no way I could get this covered on a individual health insurance policy without a exclusion for a pre-existing conditions.

However, here is my strategy to use the state laws to my advantage to get group health insurance with this so called “pre-existing condition”.

He is my plan:

1) Get good health insurance now to protect myself for unforeseen health issues with the understanding that my eye problems will bee excluded as a pre-existing condition.

2) Start a home based business in the name of a legal entity like a corporation or llc. I was going to start a online business any ways. Now, I have an greater incentive. Also, hire someone as an “employee”. One of my relatives will do quite nicely. This, would qualifies me for group health insurance

3) Mean while, cancel my upcoming eye examination scheduled for the 10th of January. Why? If my understanding is correct, then by law no “pre-existing exclusion” can be applied to a member on a group health plan if they have not seeked medical attention 6 months prior to joining the group health policy.

As previously stated, I last went to the ophthalmologist in mid October 2009. It is now, the second week of January 2010. I calculate that by canceling my appointed to the ophthalmologist, 6 months would have passed by the end of April 2010.

This will beyond the 6 months “look back period” allowed by law for pre-existing conditions to be excluded under a group health plan. Then, I can buy a group health insurance without fear of any exclusions for pre-existing conditions.

Doing this is a definite gamble. This symptoms I having with my eyes get intermittedly worst on a daily basis. However, it is something I could live with for 4 mores months to get group health insurance.

In addition, if I eat better, and loose weight then the problem with my eyes may take care of itself.

4) Buy, group health insurance through my home based business at the end of April or the beginning of May in 2010. I would received the substantially lower premiums offered by group health insurance. Assuming, I don’t go to the doctor during the next 4 months and or the problems with my eyes does not get better; then I could join a group health, through my company, legally without a “pre-existing exclusion.”

What do you think of this strategy?. Any improvements or pit falls?

Joslyn

Tara H asked:


10point to best answer.

Flor