Thanks to the high cost of health care, the average cost for family health insurance is now more than $10,000 a year. But there are ways to get affordable health insurance. Here’s how …
Types of Family Health Insurance
The two most common family health care plans are HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations).
Health insurance costs are rising all the time. Many people feel they cannot afford health insurance. Others feel that they don’t need it because they are healthy and have never had any major medical problems. This is definitely faulty thinking on their part. As a matter of fact, you do need health insurance, and there are a lot of ways to get affordable health insurance for yourself or your family. Health insurance is protection against the possible health problems that could happen in the future, and you have absolutely no way of knowing what those might be.
Health insurance for children is a “must have”, if at all possible, even more important than health insurance for adults. Unfortunately, it can be quite expensive, primarily for children under the age of two, where higher risk lies from certain illness and the chance of accidents is much greater. I personally priced a policy for my youngest son four years ago (he’s now five), with a $500.00 deductible, and the monthly rate for him alone was just shy of $200.00. It dropped to just under $100.00 when he turned two, but before that it was very expensive. I’m a disabled vet and go to VA, in case you’re wondering why I didn’t just put him on my own policy.
