Health Insurance Articles
3 States With Relatively Low Health Insurance Quotes
2011-07-20
When searching for health insurance quotes, most customers are always looking for low rates and fees. With the current fiscal crisis, several companies are in the red or nearly bankrupt. As a result, these commercial entities have had to raise prices on several products and services. This includes the health insurance industry, which has seen a hike in premium payments over the last few years. While this is great way to offset losses, it has turned several potential customers away.
This has also resulted in great numbers of uninsured Americans, which has truly impacted both the health insurance and medical sectors. As many people continue to look for low health insurance, they simply cannot find it within the state they reside in. Some customers have even crossed the border into Canada to apply for health insurance. This is especially true for residents living in border states and towns.
As health insurance rates continue to soar, there are a few states that still offer low health insurance quotes. Washington, for example, offers state-sponsored health insurance programs for economic-sensitive families. This low-cost health care coverage is offered through private plans. However, they are specifically designed for low-income families and individuals. They also offer access to low health insurance quotes online. This allows families to compare plans, while securing a program to effectively meet their needs.
With any health insurance plan, there is certain criterion that must be met in order to qualify. In Washington, applicants must be state residents. They must also be US citizens, or qualified non-citizens. Applicants also have to be between 19-64 years old, and have a gross family income at or below 200% of the Federal Income Guidelines. Other factors include non-eligibility for Medicaid, Medicare, and the Washington Health Program.
Another state that offers relatively low health insurance quotes is Louisiana. In addition to finding low health insurance online or over the phone, customers also have access to the high-risk pool program. Like Washington, this too is a state-sponsored program, which helps families secure coverage at affordable rates. This is especially beneficial for families with health problems that cannot find adequate or long-term coverage. Private health firms, however, do not underwrite these plans. Instead, they are monitored by existing state companies, which also contribute to the pools to ensure coverage. Still, applicants have a choice of low quotes to select from, so long as they are within the respective state.
In addition to Washington and Louisiana, Idaho also offers low health insurance quotes. Like Louisiana, Idaho even partakes in the federally sponsored high-risk pool program. Therefore, the 9th healthiest state to reside in keeps its insurance quotes and rates relatively low. This includes a number of private carriers.
