Well maybe because we are talking about your health period. Your health should come in very high within any set of priorities. We all like to take vacations, drive expensive cars, eat at the finest restaurants, etc. These are all fun things, but along with basic needs is taking care of your health. This is not an area to take chances on, because as life teaches us, incidents are impossible to time as with respect to when they might occur.

I understand there are also many other things that are important in our daily lives that we absolutely need to also take care of. There are expenses that we cannot live without, but right at the top is healthcare and health insurance. Within health insurance there are many types of plans that one can review to see if it would fit their needs based on their financial situation.

There are plans such as high-deductible HSA health insurance plans that at least provide coverage for more catastrophic type incidents. These are the incidents that we concern us most since other type of healthcare services are a lot more affordable and we probably in all fairness do not need our health insurance plan to cover us for those type of expenses.

In any case, health is important, and may you be healthy.

There are certain things in life that we cannot time, and one of these is needing healthcare services. Aside from managing basic healthcare services such as doctor visits, simple examinations, etc., catastrophic accidents or illnesses are unpredictable. This is why we all need health insurance, so that we transfer this risk to the carrier. The carrier distributes the risk amongst a large pool of insureds in order to effectively manage healthcare costs for all of the policyholders.

Everyday that passes without being insured is a day in which we run the risk of suffering from a catastrophic incident and not having the finacial support of health insurance. Health insurance coverage should be viewed as what it is, protection for our health. There are many people thatt complain that they have paid years of health insurance premiums and have only used it to go to the doctor twice a year. My response to that is that they should be very thankful for maintaining their health. The opposite would be the unfortunate perosn that suffered a catastrophic illness or accident and although they were covered by their health insurance, they would have much rather not have to have suffered such an illness or accident.

It is like the person who may be upset because they haven’t collected on their life insurance!

Be healthy and wise, get health insurance through a licensed and experienced health insurance agent.

The notion of affordable health care is one of our country’s most debated topics. Politicians argue about whether they have the answers to provide a better system that enables all Americans to afford healthcare coverage for themselves and their families. Obviously, one of the keys to providing affordable healthcare is through insurance.

As such, all Americans can share in the risk and thus be able to face catastrophic accidents and illnesses for which one average person alone could not truly afford. Again, all Americans, healthy and unhealthy. This is the premise of health insurance. Health insurance was meant to provide health coverage for unforeseen catastrophic accidents and illnesses that would otherwise bankrupt most of us.

Now on to the topic of affordability. This is a different concept and it has a lot to do with the value we, individually, place on our well being and overall health. By this I mean that perceived affordability, the cost of healthcare, whether through insurance or self insurance, is probably very different between two individuals with exact income levels. Two individuals, who, although they make the same income, place a different economic value on their health and well being and possibly that of their families.

One individual could place a higher perceived value on their entertainment expenses rather than on purchasing health insurance or, if self-insured, paying the necessary expenses to help them remain in good health. According to our current laws this is legal in most of our states, that is, to make the decision to not purchase health insurance or not to pay for healthcare services that would help an individual remain and/or get healthy.

This scenario would seem fair and appropriate until the individual who purchased health insurance before spending on other items now has to participate along with all other Americans, in contributing financially to pay for healthcare costs incurred by uninsured individuals who have accidents and/or illnesses. These same insured Americans have to contribute for all other Americans who decided not take care of themselves and their well being.

Now, I am not saying that we as Americans do not have an affordability problem in our healthcare system or that we could not efficiently improve our healthcare delivery system, but that in addition to affordability, there are decisions that we must face to ensure that a fair system is in place for all Americans.There must be changes to our laws that create requirements for all Americans to purchase health insurance, if they can afford it!

As our federal government debates over the system that should be put into place to provide access to affordable healthcare, we have to keep in mind the responsibility we all share to prepare ourselves for illness and accidents by purchasing health insurance. As the number of uninsured and underinsured in our country decreases, the costs to the insured will decrease proportionately.

Cornell University graduate students collected signatures to send to the school in order to attract attention to the growing health insurance problem affecting many of the students and their dependents. The university offers graduate students enrollment in a student health insurance program, and many of their dependents are also eligible to obtain coverage this way but many students feel the cost is excessive.

Around 7,800 graduate students attend the University and bring with them at least 1,200 dependents, including spouses, children under the age of 19, and same-sex partners. Student premiums for the health care plan are a reasonable $1,434, yet their dependents must pay $3,149. Because jobs for graduate students at the university pay only about $20,000 a year, covering the costs of health insurance for a family can be nearly impossible.

After collecting about 500 signatures, the Mao Ye – the student-elected trustee – plans to present the petition to the Board of Trustees on October 19^th. Ye and others are also working on a health insurance plan that will be more affordable for graduate students and their dependents.