Obama's Health-Care Plan: Why You Still Need to Shop Around for a Lower-Cost Health-Care Plan

Even though Obama's health-care plan is now law, many people are unaware that it will not go into full effect until 2014, which means you will have to buy your own coverage in the meanwhile, and health-care prices are still rising on a near-monthly basis. So, what are your options?

Many individuals are unaware of one direct effect of this strategy, and many insurers would rather you didn't know about it.

Most health insurance companies will not hire you if you have a pre-existing condition, such as diabetes, heart disease, or another illness. The reason is straightforward. They have to pay for it.

Insurers can no longer discriminate in this way under Obama's health-care proposal, which is now law. There are two side effects to this that you should be aware of.

#1 You can now acquire coverage from any insurer, regardless of your pre-existing condition, and you won't have to pay exorbitant fees.

#2 Many people with pre-existing diseases are insured, but they pay exorbitant premiums since their insurer knows they won't be able to find coverage elsewhere. If this describes you, you may now tell them to take a hike and shop around for your health insurance to save at least 50%, if not more.

If you are one of the 43 million or more Americans without health insurance, now is the time to obtain it. It's pointless to wait for Obama's health-care plan to take effect to see if you can save money in five years when you can get affordable health insurance today. You never know when you'll get sick, after all.

After all, if you become ill today and require medical attention, money will be taken from your bank account, and if you do not have it, you will be subjected to collection agencies in order to recoup the cost of treatment. This could result in a large cost that will take years to pay off.

If you're looking for low-cost health insurance, the greatest place to start is the internet. You may save up to half of what you're paying now by comparing quotations and coverage levels, and some of the laws being enacted under Obama's health-care plan allow you to receive cheap coverage even if you have a pre-existing condition.

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