Yup. I know it does. On the other hand, insurance companies are crying that they are making little to no money on their plans. The thing about health insurance...as compared to say....life insurance...is that people actually use it many times!
See, the thing about life insurance is that the average client doesn't really keep their policy until they die. Companies collect money on term for a few years...and then the client lets it slide. Oh, some people do keep their policies, but they might not die within the 10 - 30 year term! Good for them! Good for the insurance company!
Well, health insurance is a different animal. I hope you don't die in the next several decades, but I am sure you will get sick - at least a little - and from an insurance agent's perspective, commissions on health insurance are much lower than on life. Why? See the paragraph above.
Anyway, you do have options. I always suggest going with a higher deductible just so you have catostrphic care, and that ticket to the hospital! That combined, with a good PPO network should help keep your health costs, and your premiums down. Plus, higher deductibles plans are easier to get issued.
See what I really think:
http://www.27quoteus.com
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