It may seem like common sense to purchase a health coverage online through a website. However, while we may seem like an “online nation”, there are many people, believe it or not, who do not have regular access to the Internet. Some individuals still make the call to an agent in order to obtain health insurance coverage. However, personal insurance purchases on the web are starting to become much more common according to a publication on Government Health IT entitled “Study: Consumers shift to online health plan enrollment.” In fact, many recent studies conducted by some of the top research and analysis firms are showing a major shift in this trend.
There are many websites available that offer health insurance quotes and online insurance enrollment. Many studies have been conducted in the last couple of years to see just how people are obtaining health coverage 中環心臟科. To much surprise, the findings show a twenty-three percent increase in the amount of people purchasing health insurance online, without an agent, as opposed to over the phone through a health insurance professional. This is large increase, showing that, not only are people becoming more savvy about technology, but that they are more educated about their health plan options. It appears that either people do not have as many questions about health coverage or that websites have become more informative and are able to answer the questions that consumers have about health plans. If this trend continues, many health insurance agents may struggle to survive in the business. Especially considering that, because of the new “Obama-care” health care reform, many insurance carriers have lowered agent commissions. This has already lowered the number of active health insurance professionals.
Does this mean that health plans will become less expensive? Well, that remains to be seen. We must take into consideration that one of the changes that will happen because of health care reform is that insurance companies will no longer be able to decline coverage based on an individual’s health. This is good with respect to the fact that more people will be able to obtain health insurance, especially people who would normally be declined based on a pre-existing health condition (e.g. – Diabetes, Heart Attack, Cancer). However, this will cause more claims. Health insurance companies are in the business to make money. When there are more insurance claims then the insurance company has more cost per insured person, thus driving up insurance premiums. It seems that the US government has plans to help the tax-payer with the cost of health insurance through health care reform. But that remains to be seen as well.
I believe the year 2011 will be pivotal in the battle for an affordable and workable Health Care system that will serve the United States. If we will face the cold hard facts and develop a clear understanding of what a model system looks like, we can enjoy better individual health and economic prosperity beyond anyone’s belief system to comprehend. This first article of the New Year will lay out what a model system looks like and subsequent articles will give more details of how we can move toward a system that really works.
With an ill-conceived “Obamacare” system taking effect this year, with no benefits for three years, the time has come to change my approach from “fixing” the system to “saving” the system. It is not my style to “scare” people into action, but the fact remains, if we do not stop this “Obamanation” in total, we are destined to become a third rate country with economic problems unlike anything our citizens have ever faced. Every single citizen needs to get involved now and stay involved for years to come because there will always be those who seek power to control our lives. Look around and see the symptoms. Already we have debt our grandchildren will be paying for, unemployment at never before seen levels and forecast to continue for years, freedoms neutralized or taken from us, and what do our leaders tell us? With obvious lies they tell us we are on the right track, and it will take years to make things better (better for who?). We need to take action NOW because the longer we allow these conditions to continue, the more devastating they will be and the longer it will take to fix them.
So, let’s start with a clear understanding of what a workable system looks like. First, a free enterprise health care system that constantly adjusts to market conditions will best serve everyone. In other words, get politicians and government out of the business. Never in our history has any politician/government run program of any kind ever been successful, never!
Step One to better health: Un-elect politicians who claim they will provide a health care program for you.
Second, each individual needs to understand they have an individual responsibility to take better care of their health. Eating properly and exercising routinely will do more to improve one’s health and reduce future health problems than any “co-pay health plan”.
Step Two to better health: Purchase only “catastrophic health care plans”. Everyone needs to realize that “co-pay plans” are not really what they seem. These plans are responsible for grossly increasing costs and are nothing more than financial plans to pre-pay for medical care one may or may not need as determined by an insurance company employee. It is my opinion that eliminating these plans would reduce costs by as much as 70% almost overnight.
Third, take the profit for lawyers out of the industry. Lawyers do absolutely nothing to improve health care for anyone. Lawyers are nothing more than “vultures” hovering around hospitals looking for opportunities to sue someone.
Step Three to better health: Individually we must learn how to vote and elect only politicians who will support the concept of taking all of the profit for lawyers out of the industry.
Fourth, everyone must assume personal responsibility for their own health. Every individual has health concerns that are specific for them and individually should be responsible for learning to deal with them. To assume one can get healthy by going to a doctor, or a hospital, or by taking drugs (of any kind), or being covered by health insurance, is living in a fantasy world, it is not going to happen. Each of us owns something that will work to improve one’s health, and that is our own body. It was marvelously created to serve each of us and the better we take care of it, the better the results.