New York City is one of the most expensive cities in the world to live in, costing twice as much as any other city in the United States. Is it any wonder, then, that 25% of New York City residents do not have health insurance? If you’re uninsured, here’s how to get cheap New York Health insurance with a reliable company.Health Insurance Costs in New YorkConsider these facts about health insurance in New York:* New Yorkers pay 26% more for health care than the national average.* From 2000 to 2006, health insurance premiums in New York rose five times faster than earnings.New York State InsuranceNew York does provide options to help the uninsured get cheap health insurance. Several state programs are available:* Family Health Plus is a public health insurance program that provides comprehensive coverage for uninsured adults who don’t qualify for Medicaid.* Child Health Plus provides similar coverage for children.* The Healthy NY program helps small business owners provide employees with affordable health insurance.To find out if you’re eligible for any of these programs, go to the New York Department of Health website – health.state.ny.us – and click on “Health Insurance Programs” under “Site Contents” on the right side of the page.Private Insurance If you aren’t eligible for any of these programs, you can find the cheapest rate on individual or family health insurance by going to an insurance comparison website. Insurance comparison websites let you easily obtain quotes from multiple A-rated insurance companies so you can compare them and choose the cheapest one.The best insurance comparison websites let you talk online with insurance professionals so you can get answers to all your insurance questions and get advice on how to lower your insurance costs. (See link below.)When you choose an insurance company, you want to choose a company that will be reliable and provide you with excellent service. So before you make a final decision, check the New York Consumer Guide to Health Insurers webpage, which ranks insurance companies based on complaint statistics and enrollee satisfaction surveys. Then you’ll be confident that you have the cheapest premium with the best company.
Although Colorado ranks high on income levels, the state unfortunately also ranks high on the number of people who are uninsured, with 15 to 17 percent of Coloradoans lacking health insurance. If you’re in this group here’s how you can get cheap Colorado health insurance plan quotes from top companies.Who Are the Uninsured in Colorado?You might think that only unemployed people don’t have health insurance. In fact, a third of the uninsured in Colorado work full time, but they work for small businesses that cannot afford insurance coverage for their employees. In addition, they tend to have lower incomes, with over half of the uninsured earning under 200 percent of the poverty level.The high number of uninsured in Colorado affects the state economy in several ways:* The uninsured sign up for state-sponsored health insurance programs such as Child Health Plan Plus and ColoradoCovers. These programs are paid for through state funding.* Health care providers charge all their patients higher prices to subsidize the uninsured patients who are unable to pay for their care.* As health care costs rise, so do insurance premiums, with Coloradoans paying as much as $934 extra each year in insurance premiums to cover the cost of the uninsured.Where Can You Find Cheap Colorado Health Insurance Plans?Everyone benefits when more people have their own health insurance. A great way to find cheap insurance quotes is to go to an insurance comparison website. You can find quotes for all types of insurance at these sites, including:* Basic or comprehensive coverage* Catastrophic or accident-only health insurance* Traditional insurance, PPO plans, or HMO plans* Long-term or short-term health insurance* Home health care insurance* Vision and dental insurance plansThe best insurance comparison websites even offer a chat feature so you can get answers to all your insurance questions directly from an insurance professional (see link below).Going online to find your health insurance is quick, it’s easy, and it will save you money because you’ll get quotes from several different companies to compare. Give it a try!