High risk health insurance plans

Many people have insurance through their employer and those who do not may or may not be able to find it through the individual insurance company . If you are a healthy person , finding affordable health insurance is quite easy . Insurance company willing to insure you for a reasonable price because they know that your opportunity cost them a lot of money is slim to none .

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But , if you are someone who has extensive medical history and pre-existing conditions , find insurance will be much more difficult , at least until the end of 2013 . In 2014, the Affordable Care Act ( ACA ) makes it illegal for insurance companies to discriminate against people with previous medical conditions by charging higher rates , including certain conditions and deny coverage entirely .

If you need insurance now though , you need to know where to turn . One of the options that you need to know is called high-risk health insurance .

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In recent months we have learned that the health insurance companies often charge women more than men for health insurance. But they’re not the only one. State High Risk Plan which is designed to cover those who have “pre-existing condition ‘or for other reasons can not obtain insurance in some cases also discrimination.

First the good news, some countries do not differentiate. Among them-Montana, Alaska and Minnesota. Among those who do, the price all over the place. For the sake of comparison, I see arbitrary rate for children aged 33 years with a $ 1,000 deductible. In Kentucky, a woman will pay $ 501, $ 249 a man. In Connecticut woman pays $ 664, $ 393 men. And the most dangerous (although the cheapest of which I compared) in Arkansas, a non-smoking woman to pay $ 267 and a man who smoke pay only $ 247.

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