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Most states require insurers to have their rates approved before they can sell health insurance to residents. This was true, even before health reform. After health reform, states were given more resources to oversee rate reviews.
Some states had laws that required insurer to spend a certain percentage of their premiums on medical care and related activities (such as disease management). This is called the "medical loss ratio" or "MLR". Health reform also sets a minimum MLR and requires insurers to pay back refunds if they do not spend enough on medical care and quality improvement.
What else can I help you with?
What is the average cost of family medical insurance?
The average cost of family medical insurance in the United States is about $1000 per month. Most other countries do not need private health insurance because the have health care from their governments.
Where can one find reviews on the most cheap health insurance?
eHealthInsurance offers low cost health insurance plans. It is offered for several states across the USA. It also gives links to health resources and blogs for one's state.
What is a good health insurance plan for minors?
It all depends on the state you live in. There are many options. Medicaid is always an option but all depends on if you qualify for it. Also most states offer low cost health insurance.
How do most companies pay for health insurance?
Most companies pay for health insurance by sharing the cost with their employees through a combination of employer contributions and employee payroll deductions.
Does the insurance cover transportation from one hospital to another?
Depending on what kind of insurance you have most health insurance companies would cover this cost.
Do members receive free health insurance after retirement?
Not in all cases. Upon retirement most companies require the employee to pay the full cost of health insurance premiums. Health insurance is never free.
Will health insurance cover the cost of a stair lift?
Most health insurance providers will cover a portion (and only a portion; don't count on much better than half) of the cost of a stair lift.
Cheap Insurance Is Better Than None?
Health insurance is expensive, but if you have to go to the doctor, you will need some type of coverage. If you don't have insurance, you will have to pay out of your pocket for the care that you are given. States are starting to offer low cost insurance to people who need it, so check with local health departments and hospitals to get more information. Even the most basic health insurance coverage is better than nothing.
Where can someone find health insurance in PA?
There are several online sites one can visit to find health insurance in PA. Some of these sites include Health Insurance Pennsylvania, Low Cost Health Insurance and Pennsylvania Healthcare. One can also check with local area insurance companies as most offer health insurance as well.
Does Ohio still provide health insurance?
Yes, there are many health insurers in Ohio. In fact, Ohio health insurance rates are quite affordable compared to most other states.
Am I required by law to have health insurance?
Yes, in the United States, the Affordable Care Act requires most individuals to have health insurance or pay a penalty, known as the individual mandate.
Where can someone find more information about assurance maladie?
In English, this is known as health insurance. In the United States, health insurance companies are generally regional and locally based, and all policies vary from state to state. The United States government maintains several websites with information on health insurance, but an individual will have to research local insurance locally. In Canada and France, most health insurance is provided by the government.
