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Article By: EliasMaseko
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Affordable Individual Family Care Health Insurance
Locating affordable health care for Americans is not as easy as it used to be. Many companies are now increasing the charges, for providing this service to their workers or cutting back on the level of cover. How do I know this, well because I am one of those people affected and despite a very good job, before 2006, the health care package at work was first rate. Suddenly, my employer announced it was getting too expensive and was switching health care providers.
Unfortunately, the old system didn't benefit everyone in the company but the new one would, it was claimed. I don't doubt that many people will say that I am still doing alright and shouldn't complain. I don't mind other workers benefiting but it costs me more now, almost twice as much more to have my family covered in the plan.
Lower cost cover may be available for all my colleagues now plus the company has saved money but if I want to keep my family on the plan, I will have to settle for a lower income.
OK, so my health care is still respectable but the new company that we have is not as good as our previous. The new affordable health care plan initiated by my company meant that certain workers found themselves a lot worse off financially with additional co-pays and expenses. You see, my previous plan paid my entire hospital bill just over 3 years ago when I had my little boy. Working out that same stay with the new plan would mean approximately 4,000 dollars would have to be paid by me.
But, this doesn't include the additional amounts taken out of my paycheck, only the hospital costs. We are now seeing an increasing number of companies creating affordable health care plans. Those less fortunate can now get free health care more readily and workers without health care are able to join special schemes. I applaud the set up of these programs but not enough is done to stop those that wish to take advantage and ruin it for others.
Perhaps some form of means testing is needed for people so that only genuine cases have the benefit of affordable health care. I get annoyed because it's the upright taxpayer who has to finance these schemes for the needy and not the state. It is true to say that my employer is very happy because he found distinct benefits to finding a different health plan program. It worked out just fine for my employers when they switched providers but many of us are paying the price. If we are to help the worst affected, we need to start looking at long term options for Americans in providing cost effective, affordable health care.
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