Consumers can find health insurance search difficult

A recent report helps illustrate the difficulties that many consumers can encounter when shopping for their own health insurance policies.

A recent report helps illustrate the difficulties that many consumers can encounter when shopping for their own health insurance policies.

According to the study from the Commonwealth Fund, a growing number of consumers are having a hard time finding the coverage they need and can afford. For example, the study found that 57 percent report experiencing great difficulties finding affordable coverage, while 47 percent had problems finding the level of coverage that they needed.

Among those with no health problems, 66 percent said they never ended up buying a plan, while the percentages were much higher for those with pre-existing conditions. Coverage for those with pre-existing conditions is one of the issues currently being debated in Congress as part of a broader reform debate

With many employers scaling back on coverage or ceasing to offer it altogether, more consumers are finding that they need to secure their own coverage.

By carefully shopping around, consumers can often find a plan that meets their needs. One strategy can be to buy a policy with a high deductible that covers mostly catastrophic medical costs. Those with pre-existing conditions can also benefit from their state's high-risk insurance pools.

Learn how easy and convenient shopping for health insurance can be. Get your free health insurance quotes today!

Posted: July 23, 2009

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