7. Look for fresh innovations in the market, like shrinking deductibles: If you can no longer afford employer-based health insurance, or if your employer plan doesn't meet your needs, look for new options in the individually-purchased health insurance market. Insurance companies in some states are offering incentives to encourage you to avoid over-utilizing your coverage. For example, some may substantially reduce your deductible next year if you don't meet your full deductible this year; others may incentivize healthy habits by sending you gift cards and other rewards for positive health outcomes. The Affordable Care Act has also strengthened individually-purchased coverage by doing away with most lifetime coverage limits and ensuring that members will have no out-of-pocket costs for many preventive care and women's and reproductive health services. Some states are also mandating stronger coverage in the individual market. For example, in California, maternity coverage is now standard on all health insurance plans.
Additional Consumer Resources:
•Learn how to make the most of the new Summary of Benefits and Coverage forms made available through a provision of the Affordable Care Act •Read more about consumer attitudes toward open enrollment and knowledge of employer-sponsored health insurance options in eHealthInsurance's 2011 survey •Download or request a FREE printed copy of our book, Individual Health Insurance For Dummies, Health Care Reform Special Edition, produced in cooperation with For Dummies®, a branded imprint of Wiley, and co-authored by eHealthInsurance •Follow eHealthInsurance's consumer blog, Get Smart - Get Covered •Browse our answers to real-life health insurance questions on Yahoo Answers •Follow eHealthInsurance on Facebook and Twitter
eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America's first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation's leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia. Through the company's eHealthTechnology solution (technology.com%2f">www.eHealthTechnology.com), eHealth is also a leading provider of health insurance exchange technology. eHealthTechnology's exchange platform provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, PlanPrescriber.com (www.planprescriber.com) and through its Medicare website www.eHealthMedicare.com.
For more health insurance news and information, visit the eHealthInsurance consumer blog: Get Smart - Get Covered.
(1) Source: http://www.washingtonpost.com/blogs/ezra-klein/wp/2012/08/06/the-growth-of-health-insurance-premiums-is-slowing-yes-really/
(2) Source: http://www.kff.org/healthreform/upload/8061.pdf
(3) Source: http://news.ehealthinsurance.com/pr/ehi/many-employees-poorly-informed-217497.aspx
(4) Source: http://www.shrm.org/hrdisciplines/benefits/Articles/Pages/2013HSAlimits.aspx
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