Health Insurance Premiums Make Health Care Unattainable for Many

In searching for health care coverage I have found there is no real competition in NH. I emailed the NH Insurance Department regarding the lack of competition and they replied with a list of companies that offer coverage in NH. No matter which online site I go to for a quote it always brings me back to quotes from Anthem Blue Cross. The best rate they offered was $385 a month for a plan with a $12,000 deductible. Anthem Blue Cross appears to have a monopoly in this state.

I have had a short term medical plan for almost a year and this has cost me $800 every 6 months. The plan has a $5000 deductible and covers 50% after the deductible is met. Because it is a short term plan it does not cover pre-existing conditions or preventative care. I can barely afford this coverage so $385 a month ($4,620/year) is out of the question. I know that I need health insurance, but with limited funds this is becoming increasingly more difficult to maintain. I have two weeks to sign up for 6 more months of the short term medical, and this will be the last time I can do this type of plan. Beyond that I am not sure what I will do.

Until every state has at least 5-10 companies offering options for health care insurance the cost of the coverage will be prohibitive to many. Only with competition will the premiums come down to affordable options for the average American. I am not looking for a hand out or free care - I just want something I can afford, and still be able to meet my other basic needs.

Comments

Post a Comment

Popular posts from this blog

Simply Sides - Melting Potatoes (Fondant Potatoes)

Image
In the UK they are known as Fondant Potatoes, and in the US, they are hardly known at all. They are buttery, crispy on the outside, creamy in the middle and worth a try. These are the most delicious potatoes I have had in a long time! They would certainly be a great addition to any of your holiday gatherings. Enjoy! Melting Potatoes (Fondant Potatoes) 3 pounds Yukon Gold potatoes, peeled 6 tablespoons unsalted butter, melted 1 tablespoon minced fresh thyme 1 teaspoon salt 1/2 teaspoon pepper 1-1/2 cups chicken broth 2 garlic cloves, lightly crushed and peeled Note: Use potatoes at least 1-1/2 inches in diameter. DO NOT  use a glass baking dish. Adjust rack to upper-middle position. Preheat your oven to 500°F (260°C). Square off ends of potatoes and cut crosswise into 1-inch-thick disks. Toss them with melted butter, thyme, salt, and pepper. Arrange the potatoes in a single layer in a baking pan and roast until the bottoms are browned, about 15 minutes. Remove pan from oven and usin...
Read more

Simply Sides - Corn Bread Casserole

Image
My sister has made this casserole at Thanksgiving for many years. It is creamy and delicious and has been a big hit with the entire family. This dish is very easy and is not only great for your holiday meal, but also for weeknight dinners. Corn Bread Casserole 1 can creamed corn 1 can whole kernel corn ( undrained ) 8 ounces sour cream 1/2 stick (1/4 cup) melted butter 1 box Jiffy corn bread mix Preheat oven to 325 degrees F. Grease a 1-1/2 quart casserole dish. 1. Mix all ingredients and pour into the prepared dish. 2. Bake at 325F for one hour. Enjoy!!
Read more

The Rock of Gibraltar

Image
On our way to El Puerto De Santa Maria, we made a detour to see the Rock of Gibraltar. If you have ever seen a Prudential Financial advertisement, you will recognize the Rock of Gibraltar which is their logo. The Rock of Gibraltar is a single large block of stone 426 m (1,398 ft) high. It is a limestone peninsula and mountainous rock that jets out of the end of the British territory at the southwestern tip of Europe. It is home to a network of caves, including the famous St. Michael’s Cave, which is open to the public. At the top of the Rock, visitors can enjoy amazing panoramic views of the surrounding area, including Morocco on a clear day. Seeing the Rock from below is quite a sight, however, taking a tour to the top tells a much bigger story of how impressive it truly is. We headed out in a small 6-passenger van to make the climb up to the top of the Rock. The road is quite narrow and winds back and forth along the edge of the Rock. For someone like me who is afraid o...
Read more