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Reasons People Don't Have Health Insurance Coverage

You Can't Afford The Premiums

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If paying premiums is difficult, consider the following options:

  • Think about whether it is in a particular person's or company's interest to pay your premiums. For instance, if you see your doctor often and have an indemnity (fee-for-service) type policy, the doctor may make enough each month to make it worthwhile for him or her to pay your premium.
  • If you are considering an expensive treatment or operation, it may be in the hospital's interest to pay your premium.

If individual coverage is available in your state, but the premiums for a standard plan are too high for you, consider a high deductible policy.Such policies have lower premiums. The trade off is you have to pay all of the deductible yourself up front before the insurance starts to pay. Even if you spend the same amount of money because you use so many health services due to your health condition, you are protected on the upside -- insurance will pay the unbearable expenses.

Financial assistance may be available to pay premiums. See How To Get An Understanding Of The Insurance Situation In Your State. Also, speak with your social worker and/or local non-profit, disease specific non-profit organization.

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