Family Health Insurance rates are constantly on the rise in the US, but one thing is for certain, if you are healthy, your group policy is more expensive then if you had a Family Health Insurance plan. This is especially true in Nevada, Florida, Ohio, Connecticut, and Georgia.
Right now in the US it is very popular for employers to contribute money toward the employee’s premium but not toward the spouse or children’s premium. If you are a healthy family and you are in this situation it is important for you to speak with a health insurance agent as soon as possible.
A prime example of this is when my sister in Ohio, started a new job, her family health insurance offered through the employer was almost $800 a month. They contributed about $300 a month and she was left with paying $500 a month to insure her husband and two children.
We ran her a quote through Ohio Health Insurance Quote (who currently offers free health insurance quotes in Ohio, Florida, Nevada, Georgia and Connecticut) and she was able to get an Ohio Health Insurance policy for her family for $355 a month. Furthermore, she approached her employer and the employer agreed to still contribute $250 a month toward her insurance if she agreed to provide her own insurance. Now her family only contributes $105 a month and they have their own policy. This means if she decides to work for another company she can take her health insurance with her, or when she retires she can keep this plan and not worry about being insurable when she is 55 or 60 years old.
Also If you are a student and live in Nevada, Florida, Ohio, Connecticut, and Georgia. You may want to decline the health insurance being offered through your college or university and get an individual policy offered by UnitedHealthcare, Aetna, Humana, or Anthem Blue Cross Blue Shield. An individual policy is much preferred because the health insurance is not associated with ones education. Should a student become ill and have to drop out of college, he or she does not have to worry about losing his or her medical insurance.