Florida Individual Health Insurance

A lot of time we hear: Oh, my employer does not offer health insurance! But the truth is, who is responsible to provide health insurance coverage? Is it your employer or is it you?

When an illness or injury strikes, who is the one that must pay those medical bills you or your employer? It is you! You are ultimately responsible for your medical bills unless the illness or injury was job related and then is the employer’s responsibility.

According to Prof. Elizabeth Warren a study was conducted with Harvard University and she stated: “As part of a research study at Harvard University, our researchers interviewed 1,771 Americans in bankruptcy courts across the country. To our surprise, half said that illness or medical bills drove them to bankruptcy. So each year, 2 million Americans — those who file and their dependents — face the double disaster of illness and bankruptcy.”

So what can you do if where you work no benefits are provided or if you are self employed? The answer is apply for individual health insurance. The coverage is yours, normally portable so that you can take it wherever you go even if you switch jobs or move the coverage stays with you. The premiums in individual health insurance can be much lower than group rates.

With individual health insurance you have the ability of tailoring the coverage according to what your priorities and needs are.

At Health Quotes 101 you can shop among top insurance carriers within the state and choose the plan that is right for you. To obtain a quote please click this link, if you require assistance from one of our specialists please fill out the form to your right.