Are you one of the millions of Americans without insurance and worried each day that something will go wrong with your health? Premiums continue to rise and so many policies are very limited in what they cover. It can be tempting to go without insurance, especially if you are still relatively youthful and enjoy good health. Be aware, however, that one devastating illness or serious accident can leave you in financial ruin and can have very serious consequences for your life in the future.
An alternative that some choose is to only insure for catastrophic health; premiums for these plans generally cost much less as the deductibles for them are quite high. A few will pay for preventative and routine care but others do not offer such coverage. These plans will put a cap on what you will wind up owing if you do suffer a severe accident or major illness, but there is still the issue of how you will pay for your deductible and you could find yourself in a position where you can't pay for less expensive, relatively minor medical procedures and checkups that would make a large difference in your future well-being.
Discount medical plans are not technically an equal alternative to health insurance however they could provide a way to reduce your expenses for minor or routine medical care. These plans basically sell a membership that qualifies you for a discount on services from a variety of health-care providers. Do your homework before signing up with such a plan, as unfortunately there are also many bogus plans offered by scam artist which collect your dues and offer nothing in return. Research any company before you sign up for their program, however know that even with legitimate companies they might not be able to offer a discount for your preferred physician and/or the reduced price might not justify the cost of premiums.
A part time job with a corporation that offers benefits to their part time workers is a path that others find viable. This option works especially well for freelancers or the stay at home partners of workers whose jobs lack benefits. Barnes and Noble, Whole Foods and Starbucks are a few of the companies well known for offering their part time employees health insurance. As a bonus, many of these companies will also provide a 401(k) plan, dental plans, disability and a discount on purchases making this a very attractive option.
Your financial health depends on taking the time to insure that you have a workable plan to make sure you aren't ruined by major costs incurred by an accident or illness. Obtaining the proper insurance can be crucial to your continued financial health. Premiums can be expensive, but with some creative thought and research, you can find a solution that will work for you.
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