Nobody needs to tell you about the importance of health insurance. Whether it's knowing that you and your family will have access to health care services when needed or guarding against medical bankruptcy, Iowa health insurance is anything but a luxury. But how can you make it work for your household's budget, especially for those families who just miss qualifying for public assistance? Unfortunately, there is no silver bullet, but here's what you need to know about health insurance in Iowa, including how NetQuote can help lower the cost of your next health insurance policy.
Who's Looking for an Iowa Health Insurance Quote?
The short answer is not as many people as in other states...but still a lot. According to information from the Centers for Medicare and Medicaid Services, Iowa has the 5th lowest uninsured rate (9.4%) of any state in the country. Indeed, it outperforms the average for both employer-based health insurance and individual coverage. That said, while the Iowa unemployment rate was a relatively enviably 6.8% in May of 2010, this still reflects a full percent increase over the previous year, representing thousands and thousands of Iowa residents who must try to scrape together the funds for COBRA continuation coverage or look for alternate, cheaper health insurance coverage. Plus, with fewer and fewer young people going into farming, newer self-employed and individual health insurance products are becoming an increasingly popular request for health insurance in Iowa.
Iowa Health Insurance Plans
As one of the healthier states in the country, according to America's Health Rankings, there are, undoubtedly, many residents who need the financial protection that health insurance affords without the more expensive and comprehensive health plans. Indemnity health insurance is not for everybody, but it's not a dirty word, either, especially as more and more households struggle to keep food on the table and a roof over their heads. That said, you do need to be honest about your current health condition. You're probably more likely to need a major medical procedure over the next year than you realize.
Regardless of your financial resources, current health status, or future health risk, you need to pay particular attention to health "networks" when selecting a managed care health insurance policy. With a low rate of primary care physicians, you may find a dearth of options for primary care and/or have a prohibitively long commute to the nearest medical clinic covered under your plan.
Iowa Health Insurance Companies
Health insurance companies don't have the most sterling reputation with the American public. Certainly, not every insurance company acts admirably in every given situation, but statistics compiled by the Iowa Division of Insurance suggest that health insurance companies have complaint ratios that are no higher and, in many cases, lower than other types of insurance. Moreover, with a dozen different health insurance companies currently offering health insurance in Iowa, you'll have a healthy selection of insurers and plans to choose from. Affordability is the critical selling point for most Iowa residents, but you shouldn't ignore these statistics or other key indicators that your health insurance company may be misleading you with the extent of the coverage provided by your chosen health plan or, worse, try to deny your rightful coverage when you need it most.
Find an Affordable Iowa Health Insurance Quote
Finding an affordable Iowa health insurance quote is the backbone of protecting yourself and your family from crippling medical costs --in the form of either sky-high premiums or out-of-pocket costs. While it's not a constitutional right, it's not as out of reach as it may seem. From upcoming subsidies in the health care reform law to a health insurance industry that sees an attractive, growing number of non-traditional workers who must seek policies on the individual market, affordable health insurance is drawing closer, not further away, for many families. NetQuote is trying to do our part for Iowa residents and families. We provide free, convenient, and reliable comparison-shopping by requiring Iowa insurance companies to compete directly with each other for your business. And by allowing you to field quotes and talk to insurance agents from the comfort of your own home, we give you the necessary venue to make a confident and carefully-considered decision about the future of your health care services and cost.