Health Insurance in Illinois - Getting Back To Our Roots

With the cost of a fully fledged health insurance plan looming on the horizon in this country, now is simply not the time to implement such a change, at a time when the unemployment rate is high and people are desperately looking for work to support their families. People have more important things on their mind than doctor office co-pays in case they become ill.

Instead of offering a plan that covers everything, which most people would like to have, why don’t we implement a plan that covers the bare essentials? Let the people that want more coverage buy it as a supplement. This is what health insurance in Illinois was meant to do when it was first introduced back in the early part of this century. At first it was only there to cover accidents. Then awhile later it started covering major health conditions like cancer, stroke, heart attacks and other serious ailments. It did not cover doctor office co-pays.

That’s why I am a big promoter of high deductible health plans with a health savings account. It has premiums that are significantly lower than the plans that offer doctor office co-pays and prescription drugs up front. It stands to reason, the more risk you are willing to take on your health insurance needs the less expensive the premiums will be. That is not exactly rocket science, is it?

One of the biggest advantages of having this type of health insurance in Illinois is that you are able to pay your lower monthly premium to the health insurance carrier and you can then put the money you save into a health savings account and write it off on your taxes 100%. Why give it away to the health insurance carrier if your rarely go to the doctors. Wouldn’t you rather keep your money in your pocket?

Then if you do become ill you can then use the tax free money in your health savings account to pay for your qualified medical expenses. This sounds like a no-brainer to me, but in fact in some scenario’s it is not the best deal for every single family. That is exactly why I recommend seeking out a specialist in the health insurance market place. Luckily there is such a person right here in Illinois.

Think about your reward - No More Stress - No More Worries - and Mission Accomplished!

Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Health Insurance In Illinois, & Illinois Health Insurance Plans, To learn more visit his site at www.Focusinsgroup.com

Tags: Focus Insurance Group, Health Insurance in Illinois, Illinois Health Insurance Plans

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