Getting Affordable Health Insurance

The start of October marked the beginning of new provisions instated by the Affordable Care Act across the United States. These provisions mainly involved introducing new and more accessible health care plans to the general public, plans that were designed to help people afford basic healthcare in accordance to their annual salaries, whether as a family or individual

As a part of the initiative imposed by the Affordable Care Act, more residents of the United States have better access to health insurance. Having an adequate enough health insurance plan helps people become able to afford their medical bills and have control over the type of medical care they may receive from health care providers.


Perhaps the most important part about the notion of getting affordable healthcare is the reduced costs. Many residents have problems with medical expenses, as the costs can get high for simple hospital visits, treatment for chronic conditions, prescriptions and even emergency room visits. Although simple, these medical related factors can make your medical expenses rise–and place you into debt, if you remain uninsured.


Of course, having health insurance prevents you from delaying health care, especially during times where you need it. It doubly goes for people who have a chronic disease, who need medical care to successfully treat their condition.


In Florida, you have three basic options to choose from when you’re selecting a health insurance plan. These options include employment and/or organization-related health insurance coverage, private direct-purchase health plans and government subsidized programs.


Most people around Florida and the United States are insured through the health insurance plan of their sole financial provider, who could be themselves or their spouse. Most people under the age of 65, in fact, are insured this way. This type of health insurance, generally known as group insurance, usually depicts a worker paying part of the cost, while the employer or union pays for the rest.


The COBRA law, in relation to group health insurance, actually helps people keep their same health insurance plan through an employer or union for up to 18 months following you leaving your job or have become ineligible for benefits. In some cases, you will be insured for longer than 18 months, in accordance with the COBRA act.


People who remained insured have to pay the full premium, which consists of your share and your employer’s share. Although some people might assume that COBRA is more expensive, it might actually be cheaper than a full fledged policy for some. For more information see: or