Affordable Medical insurance For Individuals Who Live In New York

If you are not qualified for COBRA, HIPAA, insurance plan conversion, state continuation, Medicaid, Medicare, or any kind of state-sponsored health care program, but need budget friendly medical insurance in New York, you might have to acquire a specific medical insurance plan.

Many people groan at the idea of buying an individual medical insurance plan-- and for excellent factor. Individual medical insurance plans are usually more pricey than the ideal healthcare coverage-- employer-sponsored group medical insurance plans. Nevertheless, in New York, you can purchase an affordable specific health insurance strategy for a couple of factors.

First, when you set out to acquire an individual health insurance coverage plan in New york city, you can not be declined due to your certain health conditions. This is fantastic news due to the fact that many individuals with pre-existing health conditions tend to have a tough time finding medical insurance business that will sell medical insurance to them. Health insurance coverage companies see people with pre-existing or major health conditions as greater risks to guarantee. They see them as potentially lost cash. Yet, in New york city, there are health insurance business that will not turn you down no matter any pre-existing health conditions more info you may have, or the seriousness of the health condition.

Second, you will not be charged a greater health insurance rate due to your pre-existing health condition, no matter the severity of your pre-existing health condition. This is more fantastic news, given that people with pre-existing health conditions who do manage to acquire specific health insurance policies do so for a high cost. They require health insurance coverage, especially since they require look after their pre-existing health conditions; however, since of their pre-existing health conditions, they pay high costs. It's a vicious circle that New York is working toward ending.

For more details about the medical insurance business that provide these individual medical insurance policies and their contact details, call the New York Insurance Department.

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