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Politics : The Obama - Clinton Disaster -- Ignore unavailable to you. Want to Upgrade?


To: GROUND ZERO™ who wrote (15575)7/18/2009 4:57:26 PM
From: puborectalis1 Recommendation  Read Replies (3) | Respond to of 103300
 
smartmoney.com

The private health-insurance market isn't pretty. "It's a difficult, difficult road to go down," says Kathleen Stoll, Director of Health Policy for consumer-advocacy group Families USA.

Here's what you have to look forward to: steep monthly premiums, higher copayments, outrageous deductibles and fewer benefits. Moreover, the process can be tedious and downright confusing — which helps explain why there are some 50 million Americans under age 65 who went at least six months without coverage during 2006, according to the 2006 Medical Expenditure Panel Survey.

The key, of course, is to shop around and make an informed decision that you and your pocketbook can live with. This will take some time. Experts recommend you give yourself at least 60 days to examine your options and apply for a policy. There's a lot more to it than when your former employer asked you to check a box electing a managed-care plan or a preferred provider organization.