VISTA Health Solutions

Individuals out and about in the working world have been very absorbed in the daily chore of splitting time between employment and home life with little concern for health care. This is probably because while in the employ of a large corporation a minimal amount of income was to collect from the paycheck. It is so easy for any individual to overlook this one small detail. Easy to overlook until the individual is considering purchasing low cost health insurance for a new business just getting started.

At some point this eats away into the individual’s eternal core until something finally snaps. Perhaps a new direction is in order to incorporate eternal peace within. Now is the time for taking that first step and trying your own hand.  Life as an entrepreneur competing joining others in a very busy world. In the beginning the individual might seek out a part time position, but ultimately spending more and more time in your own adventure.

Opening your own business is one of the most difficult things to attempt, but in the long run it is well worth the added effort. The stumbling block is in the addition of health insurance coverage. Over the past few months the individual has managed to research many important factors to opening up a small business and though all the potential problems reached a compromising conclusion the area of insurance still remains monumental.

There is no doubt that employer paid benefits are one of the reasons why the majority of the population remain in a full time employment position.  However, these are the same individuals, now that their children are grown, who are trying their hand at becoming an entrepreneur and even affordable health insurance is causing sticker shock.

The choices left for any new entrepreneur come down to three main points of interest involving individual health insurance coverage. The first choice is to look to your spouse. If your spouse is currently in employ full time there is a very good chance your spouse has full medical benefits and can add you to the employment policy. The second choice is group health coverage. There are many advantages for the solo entrepreneur and the cost is low to help gather more entrepreneurs into the group. This second choice is unavailable in every state so it will mean a little research on the part of the individual.

The third choice available to new entrepreneurs is an individual health plan. These are subject to medical underwriting and the individual will have homework to research with the state offered health plans. Individuals afflicted with a pre-condition may find they are experiencing difficulty, because pre-conditions are unacceptable with most health care providers.

An alarming trend is developing within New York and the rest of the United States. Fewer citizens are able to claim their share of health insurance coverage. An average of seventy five percent of adults have spent time researching all the various insurance policies only to be discouraged by the high cost for health coverage. This is an alarming trend that has been developing over the past few years as insurance companies readjust the cost to health providers and hospitals.

A small percentage of these individuals denied health coverage because of their pre-existing condition or conditions. The high cost of health has caused many employers to drop medical coverage leaving more individuals to search for low cost health insurance for themselves and their families. Individual citizens are turning away from necessary health assistance because of the high cost and this puts the healthy individuals in jeopardy too.

Over the years we have a return of tuberculosis, polio, and small pox once eradicated from this country. As more people come to live in the state of New York and around the country diseases are spreading. Statistically the research is unveiling an uncertainty that soon we as citizens will all have to face and deal with.

1.               Those with medical insurance are paying over ten percent out-of-pocket expenses and the cost is increasing by the day.

2.               Almost sixty percent of the population is unable to find affordable health insurance coverage.

3.               Almost fifty percent of the population found it next to impossible to find health coverage to suit their individual requests.

4.               Almost forty percent denied any medical coverage because of a pre-existing condition that they need assistance with most.

Individuals who have health coverage through an employer have an estimated out-of-pocket expense of $2200.00 per year. Individuals who have health coverage independently have an estimated out of pocket expense of $6700.00 per year. This is a huge discrepancy within our health provider industry and leaves many, including children without the option of medical assistance.

Of course age is a factor that weighs into the health insurance quotes when an individual is shopping around for affordable care. The younger and healthier an individual is, the more affordable the insurance coverage is. This is not good for the population as a whole though, because statically the majority of our population is aging.