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If you are in the middle of the ages of 50 and 65 and you are going to be looking for health assurance or are looking for health assurance you need some help. This is a tough age (of procedure what age isn't starting with the terrible twos) because you are at a prime age to start developing health problems. Statistically speaking and statistics is the only language assurance associates speak, the assurance business can predict they are going to spend more on 50-65 year old than a 20-45 year old. For that think premiums are much higher for the older person.
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But, we Baby Boomers are a smart group and where there is a will, there is a way. So let's look at some of the options:
If you currently have a job and are looking to retire or start your own business, you have a join of avenues you can investigate. First you can query if your business will let you buy health assurance straight through the business plan. If your business will let you do this your owner (assuming we are talking early retirement) may subsidize part of your premiums. If not, you still get group rates which are a whole lot cheaper than private rates. If you are married and your spouse is still working strongly consider adding yourself to his/her plan if that selection is available to you.
The next selection (if you currently have a job which provides health insurance) is Cobra or Consolidated Omnibus allocation Reconciliation Act. Cobra lets former employees and their dependents continue their employer's group coverage for up to 18 months. The best thing about Cobra is it is guaranteed. Your former employer's insurer can't turn you down even if you have a chronic medical condition. The worst thing about Cobra is the cost. Your owner ordinarily covers 70% or more of your health assurance premium. With Cobra you have to pay the whole premium plus executive costs. Industry surveys indicate based on an average premium (for 2007), a former employee would have to pay more than 3 a month for private coverage and more than ,008 a month for house coverage.
If you are not currently employed by a business who provides health assurance there are still choices for you. If you have pre-existing conditions such as diabetes or high blood pressure you can receive coverage straight through a state high-risk health agenda designed to help those with medical conditions that preclude them from getting insurance. Again though like Cobra the premiums can be quite high.
You can also check out pro organizations you could join or are already affiliated with to see if they offer health assurance policies for members. Because these are group plans, the premiums may be less than what you would pay in the private market.
Finally, there is the private health assurance option. There has been some develop in terms of offerings of policies for the 50-65 year age group shop generally because insurers see this age group as a possible growth market. Many Baby Boomers are in good health and have higher income than younger people. Also assurance associates hope that retirees will still purchase their products, such as supplemental insurance, even after they're eligible for Medicare. Some of policies currently offered may have premiums as low as 0 per month for people who are in good health and willing to pay a high deductible. Many assurance guidance columnists advise combining a high deductible private health assurance procedure with a health savings account. Hsa contributions are made with pretax dollars, and any money left over in the catalogue at the end of the year is rolled over for hereafter use. Withdrawals are not taxed if used for powerful medical expenses.
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