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Can you find invidual health insurance over age 50 or over age 60 in the US?
Of course it is tough to find affordable health insurance for many Americans. Otherwise, with rising health care costs, we would not see almost 50 million uninsured Americans. In addition to the 47 million uninsured Americans, I would bet that at least twice that number are not very well insured to make certain that their health is protected. I have heard so many horror stories of mini-med plans that top out at very low amounts which will not cover any sort of serious injury or illness.
From my own experience working with insurance, I know that the situation is particularly difficult to obtain health insurance over 50 or over 60! Of course, Medicare should kick in at age 65, but what about adequate health cover until them?
Where Baby Boomers Can Look For Health Insurance
The best you can do is to compare health insurance plans and quotes, and then if you still have a problem obtaining health coverage, consult with your state insurance department for high risk health insurance options. HSA plans with fairly high deductibles, but with health savings accounts that earn interest and tax breaks are good bets for middle aged peoples. The money can be used for all sorts of medical services, even some that are not covered by most medical plans, and any unused money can be withdrawn at retirement (Medicare) age!
Here are some good online health insurance resources:
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Individual Health Insurance Quotes – BBB Approved Online Health Insurance Quote Form
Group Health vs. Individual For Small Business - Should your small business get a group medical plan, or will individual health insurance serve you just as well?
Compare HSA, PPO, and HMO Medical Plans – Compare and Contrast the most popular types of major medical plans.
US Discount Dental Programs – Dental Discount Plans for routine services, cosmetic dentistry, crowns, orthodontic, dentures, and more….
Mini Med Insurance - It may be easier to qualify for a mini-med plan then a major medical plan, but will it provide good coverage for you?
And if you are of Medicare age, you may want to compare Medicare Health Insurance Plans. Those pages also provide a basic overview of the Medicare health system, including basic coverage, supplements, MA plans, and prescription plans.
[tag]over 50 health insurance, over 60 health insurance, middle aged health insurance, high risk health insurance[/tag]
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- Which Kind of Health Insurance To Buy?
- Grim Truth About Over 50 Health Insurance
- What Are Medicare Advantage Health Plans?
- Medicare Dental and Vision Benefit Questions
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Any idea how health reform will impact this? I see the start of the federal high risk pools which should help some people. But what about rates for the rest of us…i.e. we get accepted but are struggling under higher premiums?