In Illinois, about 3 million residents or 25% of the population were without health care for some part of the last 2 years. Because the cost of health care keeps rising, being uninsured can happen to any of us. And when it does happen, it means people are more likely to either forego needed medical care or experience severe financial hardship trying to afford it. No one should go without low cost health insurance. There is affordable coverage in Illinois and a number of laws are in place to protect you so that you can keep it. Here is additional information on Illinois health insurance coverage.
In Illinois, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Illinois are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
Illinois is one of the nation’s manufacturing leaders. It is important that companies in Illinois offer good and low cost health insurance to its employees. Group health insurance is a great option because they are inexpensive compared to individual or family coverage because the cost of medical services can be spread among a larger group of people. Under group health insurance, an employee cannot be turned away or charged more because of their health status.
Illinois is a place that many families are happy to call home. Protecting families health is key to enjoying a high quality of life. Affordable family health insurance is one of the best ways to achieve that. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs.
A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job in Illinois and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.
Illinois has a large higher educational system including 9 public universities and 48 community colleges. It is very important for students to have adequate health coverage. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. Students health insurance policies from private health insurance companies offer flexibility, more so than the cheapest student health insurance sold by the university.