Affordable Arizona Health Insurance for Individuals

Since the introduction of Obamacare, or the Affordable Care Act to give it the proper title, more and more people who weren’t previously covered for health insurance now have at least basic coverage. This applies across the entire United States with the Grand Canyon State being no exception and affordable Arizona health insurance for individuals is now a reality.

Qualification for Obamacare

American citizens under 65 years of age are now required to have health insurance coverage from somewhere like or face fines under the Individual Mandate contained in the Affordable Care Act. These fines can cost close to $1,000 and sometimes more depending on your family’s annual income.

But fear not! Depending on your financial situation and other personal circumstances you may qualify for health insurance at a reduced rate under the ACA. Or you may qualify for tax credits to offset the cost of insurance premiums.

The requirements for qualification are many and varied and the best thing to do is seek advice from a health insurance provider, the Arizona Health Insurance Exchange or through the internet website

Broadly speaking, any U.S. citizen under 65 or legal immigrant in the States is eligible for Obamacare with prison inmates being the exception. As to the level of coverage you will receive, that will depend on which insurance plan you chose.

Obamacare Health Insurance Policies

Insurance plans under Obamacare come in four classes and the more insurance coverage you require the more the premiums will cost.

Platinum. Covers 90% of costs.

Gold. Covers 80% of costs.

Silver. Covers 70% of costs.

Bronze. Covers 60% of costs.

All essential medical requirements are covered in the above plans including hospital and outpatient treatment, prescription medications and maternity care and the quality of care provided is the same regardless of which plan you choose.

A Catastrophic Solution

With Obamacare there is a fifth option available when looking for affordable Arizona health insurance for individuals. Available in Arizona but not in all states, the “catastrophic” insurance scheme is cheaper than any of the other plans but is only available to those under 30 years of age or for people who can’t find a suitable insurance plan for less than 8% of their yearly income. Although cheaper, it may be a false economy as you will probably be required to pay the first few thousand dollars of your medical fees before the insurance kicks in.

Of the five levels of coverage under Obamacare, the Silver option and Catastrophic coverage are by far the most popular choices.

Cutting Costs

Getting the most affordable Arizona health insurance for individuals available from here will depend on a number of factors including:

  • How much coverage you require or can afford
  • Whether you qualify for tax credits or a subsidy on your premiums
  • Your location in Arizona
  • Your age
  • Whether you are a smoker or non-smoker

There isn’t much you can do about the first four items on the list but quitting smoking is certainly achievable and the money saved on tobacco will easily cover the costs of your health insurance premiums.

Illinois Homeowners Insurance with Drones

illinois-homeowners-insurance-with-dronesAccidents and untoward incidents can happen anytime, anywhere. It doesn’t matter if you’re in the comfort of your home. Homeowners insurance makes it possible to protect ourselves from the costly damages that we might have to pay for if in case these accidents happen to us. Some insurance plans from even allow the inclusion of unlikely damages such as Illinois homeowners insurance with drones. Home insurance covers a lot of potential damages, and here are some of them.

  1. Fire – Fire is the most common reason for many household repairs today. That’s why it’s the first thing insurers take into consideration when calculating your premium. Is your home located in an area with frequent fires? Are there certain features to your property (such as layout, materials used, general fire precautionary measures) that can help reduce the likelihood of a fire? Something as simple as a fire alarm could reduce the premium you pay, so it’s best to inspect your property for potential improvements before you avail of an Illinois homeowners insurance with drones.
  2. Theft – We can’t always be sure that we won’t be the victim of thefts. If your home is nestled in an area with frequent break-ins and burglaries, your insurer might opt to charge you a higher premium. A burglar alarm can help reduce the premium you pay.
  3. Acts of God – Storms, earthquakes, heavy snowfall, and every other act of God are incidents we have no control over. It’s very likely to get your home damaged by these situations, so it’s ideal to take them into close consideration when purchasing a home insurance plan. If you have frequently been the victim of these calamities, your insurer can charge you a higher premium to pay for future potential accidents.
  4. Vandalism – Is your home in a bad neighbourhood? Vandalism is a very real problem that many homeowners face. These days, it’s not just the simple spray paint problem – fences, walls, and windows are broken in the worst of cases. Ideally, your homeowners insurance plan should cover for these damages.
  5. Drones – Recently, some insurers have made drones a part of the coverage for their plans. Illinois homeowners insurance with drones aren’t exactly all that common, but it’s important to make sure that your insurer covers this vital aspect as drones are becoming more and more commercially available, making the likelihood of incurring damages caused by drones all too real.


Best Health Insurance in New Jersey, You Deserve IT!

best-health-insurance-in-new-jersey-you-deserve-itThese days, our world is chocked full of dangers and risks. It doesn’t matter how careful we are with ourselves – there are people out there who won’t take a second look before they cause injury or pain. There are countless reasons for hospitalization, and we’d be lucky to escape a year without being confined or taken to get professional treatment. That being said, the question stands – are you ready to pay for the fees and costs of getting sick or incurring injury?

Hospital bills are expensive, and that’s a fact. But you can steer clear of these steep prices with and by availing of the best health insurance in New Jersey.

Hospitalization can be Pricey

You probably know someone who’s been in the hospital before. Go on and ask them just how much their hospital bills cost, and you’ll be wondering just how they managed to pay up. Injuries, illnesses, and disease aren’t only troublesome on our bodies, they’re stressful on our bank accounts as well. Unless you have accumulated a significant amount of wealth through the years, it’s best to prepare yourself for the worst with the best health insurance in New Jersey.

What You Need to Know about Health Insurance

Before you avail of a health insurance package from here, it’s important to ask – what kinds of accidents, injuries, disease, or illness are you at risk of contracting? This way, you’ll have a better idea of the inclusions you should have in your insurance. If for example you live in an area that is prone to getting water contaminants that cause significant infections or illness, then it’s best to make sure you indicate this with your insurance agent. If you like engaging in high-risk sports and activities, this might also be a point of interest as well.

Another thing to consider is the amount of money you will be able to pay from your own pocket. Are you financially flexible to cover a portion of your projected hospital bills? Or do you want full coverage? Finding out the best plan fit for your financial abilities can be discovered by discussing your terms with an experienced insurance agent.

Securing a health insurance is a practicality that should never be overlooked. To keep yourself safe and secure from being unable to pay costly medical bills, make sure you avail of the best health insurance in New Jersey today.