In a survey released this past week, in 2012 close to 84 million people, almost half of all working-age adults did not have a health insurance plan at one point or had extra out of pocket expenses because the lack of. This extra out of pocket was so high in comparison to their pay. They were actually considered "under insured!"
Also revealed in this survey by the "Commonwealth Fund 2012 Biennial Health Insurance survey" was the amount of young adults aged 19-25 who were uninsured during the year dropped from 48% to 41% between 2010 to 2012 reversing a trend of climbing uninsured rates in that age group!
Because of the "Affordable Care Act" which has permitted young adults to stay on their parent's insurance plans until the age of 26, this has helped with the many young adults that have gone uninsured in the past. The plans that we offer at "Healthcare Solutions Team" have all the benefits already implemented in them are are 100% health care reform complaint! There is no reason that you should remain uninsured with the different plans that we have to offer every size budget.
The survey suggests that many people live without insurance because they simply cannot afford it. Eighty million people documented that in 2012 they chose not to go to the doctor when they were sick or did not get a prescription filled because of expenses. The rates of those skipping care increased significantly from 2003, when 63 million did not get care because of costs.
Medical Debt is another danger that still affects U.S. citizens. In 2012, 41% of working age adults had issues paying their medical bills or were paying off medical bills gradually.
The report found that medical debt significantly impacted people's lives:
Close to 18% of adults have been contacted by a collection agency because of overdue bills.
32 million people had a lower credit rating due to medical bills
Nearly 6% of people had to declare bankruptcy because of medical bills.
This does not have to be you. We have the answers and can do the work that is so confusing for so many. Going online and thinking that you found a plan at the cost you see is simply not being realistic.
The insurance agents at Healthcare Solutions Team are ready to help you. They know the benefits and how you can take advantage of them.They will make sure that you have a virtually zero out of pocket for when the unexpected things happen. Remember, your insurance is to pay for the things that you cannot.
Do not wait because this is not going away and regardless of what you have heard on the television, radio or have read in the newspaper health insurance under the "Affordable Health Care Act" or "Obamacare" will not be free! Nothing is free in life and the sooner that you take the steps to protect yourself the better!