Health Insurance

Long article

  • Individual Health Saving accounts with high deductible
  • COBRA - HIPAA requires states to offer some type of coverage with no exclusions for pre-existing conditions to individuals who have accepted and exhausted COBRA coverage.
  • You do not want to be turned down. A rejection by an insurance company will be recorded in your permanent record with the Medical Information Bureau (MIB), making it more difficult or impossible to get coverage from any other company. A good independent health insurance agent can help you determine if you will be accepted or can help you withdraw a submitted application if it looks like it will be rejected. Check the records there, fix errors.
  • Domicile: VT and MA provide universal coverage.
  • New York, New Jersey, Massachusetts, Maine and Vermont — are "community-rated," meaning that your health and age do not affect the size of your premiums.
  • Lifetime limits ($5 million minimum)

Yuma Regional Medical Center in Yuma, Ariz., for example, hires health care specialists during the busy winter months when the city almost doubles in size. The benefits include health insurance for workers who work long enough

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