| Florida residents who can afford health insurance | | | | life and don't even prevent heart attacks, yet $30 |
| pay an average of $11,480 per year for family | | | | billion was spent on those last year. Mutual of |
| coverage, which is about what the average | | | | Omaha found that almost 76% percent of people |
| minimum-wage earner brings home. Premiums are | | | | eligible for angioplasty or heart bypass surgery |
| up 87% according to Kaiser Family Foundation. | | | | were able to "safely avoid it by making the |
| The days of "low-cost" health insurance are all but | | | | comprehensive lifestyle changes", saving almost |
| gone unless you have help from a professional | | | | $30,000 per person. It is plain to see that |
| insurance consultant. | | | | changing lifestyle is more cost effective than |
| The cost of caring for "disease" continues to rise | | | | surgery. |
| faster than inflation according to an article this | | | | Low-Cost Insurance Consultation |
| month in Newsweek magazine. It said "over 47 | | | | In an effort to find affordable health insurance |
| million Americans don't have health insurance at | | | | rates, many are turning to health insurance |
| all". Those with low-cost health insurance usually | | | | consultants for help. In a phone interview, |
| get these from employers, but with costs rising, it | | | | consultant Morgan Moran said, "The best way to |
| is obvious that the health insurance situation in | | | | find affordable, low-cost health insurance is to |
| Florida is getting worse. | | | | have an employer-sponsored group health |
| Taking care of employees is the primary concern | | | | insurance plan." Group health insurance plans are |
| of a good employer. But that has been perceived | | | | the most affordable, low cost health insurance |
| as "expensive" by some companies as it means | | | | plans out there, aside from state-sponsored |
| providing the employee with vacations, bonuses, | | | | health insurance plans. If you can obtain health |
| incentive pay, and of course, health insurance | | | | insurance from your employer, you will pay even |
| coverage. In the future, Florida businesses may | | | | less for your health insurance than you would if |
| be able to offer low-cost health insurance to | | | | you purchased a group health insurance plan on |
| residents who are willing to make a few changes | | | | your own. |
| in lifestyle. | | | | Most employers have certain requirements an |
| The New England Journal of Medicine published a | | | | employee must meet before he or she can be a |
| major study on health insurance recently that said | | | | part of the employer-sponsored group health |
| low cost insurance rates may be made available | | | | insurance plan. These requirements range from |
| to those willing to go through a certified "health | | | | the number of hours the employee works, to the |
| risk assessment". These health risk managers look | | | | employee's status, i.e., whether the employee |
| at your lifestyle, and your current state of health, | | | | works full-time or part-time. Employers |
| and certify that the person is "healthy" and a | | | | sometimes have time requirements as well. This |
| "low-risk" which can qualify the applicant for lower | | | | means the employee must be with the company |
| insurance rates. The only other way to get | | | | for a certain amount of time before he or she is |
| low-cost health insurance in Florida is to get it | | | | considered eligible for the employer-sponsored |
| from your employer as part of their group health | | | | group health insurance plan. |
| insurance plan. | | | | Employer-sponsored group health insurance plans |
| There are many health insurance consultants out | | | | are usually the most affordable, low cost health |
| there who can help Floridians find low-cost | | | | insurance plans for a variety of reasons. If you |
| insurance, such as Florida Health Insurance Web - | | | | have an employer-sponsored group health |
| - insurance consultant, Morgan Moran said, | | | | insurance plan, the health insurance premiums are |
| "Change a few things about your lifestyle, and | | | | either divided between you and your employer, or |
| lower rates could be available". The insurance | | | | paid completely by your employer. This means |
| industry believes, most people would change a | | | | one of two things. Either you are required to pay |
| few things to get lower insurance rates, and | | | | half of the health insurance premiums plus a low |
| assure living a longer happier life. These changes | | | | cost co-payment or you are only required to pay |
| may include a better diet, more exercise, and less | | | | an affordable co-payment. |
| high risk behavior like "skydiving" or "bungee | | | | Employer-sponsored group health insurance plans |
| jumping". Until now, insurance plans rarely took | | | | like this have become even more affordable and |
| behavior into account. | | | | low cost when you factor in your spouse and |
| Many Floridians are looking for a quick fix. If they | | | | children. Rather than purchase individual health |
| can take a pill or have a stint plugged into their | | | | insurance policies for each of your family |
| heart they would, rather than change their | | | | members, or pay out-of-pocket for health care |
| lifestyle, after all, it does sound easier. The New | | | | costs, you can add your spouse and your children |
| England Journal confirmed what other research | | | | to your employer-sponsored group health |
| showed- that angioplasties and stints don't prolong | | | | insurance plan. |