Thursday, August 14, 2008

Health Insurance: Are You Covered?

As they say, two things are certain - death and taxes. But don't forget the middle ground: injury and illness. Is the health care system important? You bet. Just look at the current and past political hype. The medical care system is one of the central issues.

There's no doubt about it; you need insurance. Traditionally, medical insurance has been underwritten by employers. But the work landscape has been changing radically. More and more people are self-employed or work for companies that provide no coverage.

Luckily, there are options. Take Kaiser Permanente Colorado and Kaiser Permanente Georgia for example. How is Kaiser different? They operate like a credit union in the sense that they're a non-profit company with no shareholders to lean on them for dividends. They leverage these savings to make health care insurance affordable for small company employees and self-employed workers.

I count myself among the self-employed. Luckily, I'm covered by my wife's plan, but what would happen I she lost her job? With Kaiser Permanente California I could take advantage of one of many options, such as a copayment plan, a deductable plan or a PPO plan, among others.

The bottom line? Make sure you've got coverage. Don't forget the middle ground between death and taxes! A portion of this blog's content is sponsor supported.

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