The Health Reform Law Enables Millions of Uninsured Americans to Purchase Health Insurance Through Exchanges

One of the major goals of the Health Reform Law that President Obama signed in March, 2010, was to facilitate accessible and affordable insurance to all Americans. Currently, most Americans working for large corporations will receive a health insurance plan as a benefits option when they are employed. Working with large numbers, the large corporations are able to pull out lower premiums for their employees. Most employees of large corporations find these premium payments affordable and participate. Not so with self-employed individuals or small businesses. They do not have the numbers to get the discounts of larger organizations. For this reason, many individuals and small business owners and employees are medically uninsured.

In the United States, the traditional provider of health insurance has been businesses. Seen as the primary cause of health problems, business was called to provide insurance to employees as early as the days of Teddy Roosevelt. Although business is not the primary cause of human illness (it was so perceived at a time when capitalism was being blamed for everything), business has shouldered the responsibility, viewing it as one of those requirements for doing business in the U.S. that can’t be avoided and that could have positive side-effects for the business that insures its people. For one thing, health insurance benefits are a powerful recruitment incentive for those valuable employees that no business can do without. This attraction is quite doable for large corporations, but small businesses, not having the numbers to command lower premiums for their employees, are left out in the cold. They cannot attract those valuable employees because they can’t provide affordable insurance.

While the Health Reform Law doesn’t aim to make small businesses more competitive with bigger businesses, by providing a way for small businesses to get insurance for their employees at near the same prices big corporations can, the law has given a boost to small business employee recruitment. The intent to create exchanges for health insurance will enable small business to join together in an exchange and so increase their numbers, thereby qualifying an exchange to receive the discounts larger corporations now receive.

President Obama has assured the American public that these exchanges will be built throughout the country. In these exchanges, various health care insurance providers will offer their products at rates only the big corporations are used to seeing. These exchanges will be health care insurance ‘marketplaces’. Small businesses won’t be forced to take a ‘one size fits all’ type of plan, but plans that best suit the individual business environment, and its employees. Small business will be further encouraged to purchase health insurance for their employees, with tax incentives that should, combined with low exchange rates, enable all small businesses to provide insurance to their employees at rates comparable to those the big corporations offer.

These exchanges will not only benefit the small business, but the also self-employed individuals. These individuals are currently the largest uninsured group among working people, simply because a single individual has to pay more for medical insurance than a group. Now, self-employed individuals can team up with other self-employed individuals and small businesses to get the low cost, comprehensive insurance the corporate worker now enjoys.

Don’t expect to purchase health insurance tomorrow from one of these exchanges. It will take time to get them going. Don’t wait to purchase health insurance until the exchanges come. Purchase health insurance now – you may need it. When exchanges take effect, then you’ll be able to purchase health insurance at affordable prices.

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Get A Low-cost Insurance coverage Quote Before You Purchase Your Automobile

Article by Richard Schwartz

If you head to an automobile dealership and buy a brand new automotive, you should have car insurance coverage before you’ll be able to drive your new automotive home. Sometimes automotive consumers wait until they’re on the automotive dealership before contacting their present automobile insurance corporations about the new car. Sometimes, car consumers who are looking for their first cars – car consumers who don’t already have automobile insurance for an additional car – wait until the day of the purchase to buy an automobile insurance coverage policy.

These strategies are tricky. Neither offers the brand new automotive proprietor time to buy around for a cheap automotive insurance coverage quote, and leaves the brand new automobile proprietor with few car insurance coverage options.

In case you are in the market for a brand new automobile the best methodology is to get an inexpensive insurance quote before shopping for your automobile, and you are able to do so by following the following pointers:

Select your automotive before you really purchase it. There are a number of steps to this. First, determine what sort of car you want. Take note a secure, dependable car with many safety options will get you an inexpensive insurance quote. Then, look at sales papers, paying attention to the automobile dealerships in your area that sell the car you want. Finally, go to the automobile dealership just to introduce yourself and let a salesman know your intentions.

Contact your present automotive insurance company. Allow them to know you’re in the process of purchasing a new car. Tell them the make, mannequin, and 12 months, in addition to all security features. Ask them in the event that they can provide you a new car insurance quote.

Contact other automotive insurance coverage companies. In case you wouldn’t have a current car insurance company, or you need a cheaper insurance quote than what your present company gave you, now could be your likelihood to shop around. Speak to a number of car insurance coverage companies to get an affordable insurance quote before you actually buy your car.

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What You Need to Know Before You Purchase a Car Insurance Policy

Article by Amber Jonas

Obtaining you r very first auto insurance policy might not be a priority, but believe me it should be. Car insurance is extremely important because it protects what is probably one of your very first investments and that is your car. your car. Shopping for car insurance can get complicated, and more often than not new car insurance shoppers neglect to compare car insurance, and this prevents them from reaping the financial benefits of finding the best, and most affordable car insurance that is available to them.

The question that most new car insurance policy buyers ask, is who needs car insurance and why? The answer is quite simple: it’s the law. The Department of Motor Vehicles requires drivers to assume the financial responsibility for owning and operating a car all of the fifty states. Car insurance protects you financial, in the event that you cause property damage or bodily injury to someone when you are operating your vehicle. If you get caught driving without car insurance you could find yourself facing some hefty penalties.

Violators can be ordered to pay hundreds of dollars in fines for a first time offense. Also, if you happen to be involved in an auto accident, and you do not have insurance, your license might get suspended, regardless of whether you are at fault or not.

Now that you know that you need to have car insurance, you need to understand how car insurance works before you go out and purchase a car insurance policy. Once you understand how car insurance works, and you have an idea of the type of car insurance policy you are going to need, you are on your way to taking next step; finding the best and most affordable car insurance for you.

This is usually the point where most new car insurance buyers get sucked into paying too much for their car insurance. You shouldn’t assume that just because you are purchasing your first car insurance policy that you will have to pay extremely high premiums. Yes, you are going to pay higher premiums than other people that have had their car insurance for years, but this doesn’t mean that you won’t be able to find affordable car insurance.

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