Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Middle class health insurance

When middle class members of society have access to affordable health care, they are more likely to see a doctor for their health concerns in a timely manner. This portion of the population is more likely than other income groups to be affected by the loss of employer health insurance.

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People often feel that private health insurance is simply too expensive, and they are faced with having to make difficult choices about what is now becoming a luxury instead of a necessity for individuals and families. Get the facts on health care, options and actual rates before making a decision.

Health Insurance Means Better Health Care

The middle class is being squeezed when it comes to health insurance coverage. Lower-income residents of the United States can qualify for Medicaid or other government programs. In some cases, children can be covered under a government-sponsored plan even if their parents do not. As a result, the younger members of a family can get necessary checkups and immunizations that are necessary for good health, and have coverage for hospital stays if necessary.

People who don’t have health insurance coverage are less likely to look after their health by getting preventive care. They will put off seeking medical care until the condition becomes more serious, and more expensive to treat. The decision to skip regular checkups and screenings is not a wise one and will only lead to more serious health conditions over time.

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Employer Health Plans or Group Plans

Employer health plans have the advantage of taking all applicants who wish to be included. The premiums may be higher than where an applicant for health insurance coverage is going through the underwriting process themselves, since the insurance company is agreeing to assume the risk that some plan members will be making more claims than others. They can also be lower as the employer gets a group deal and low risk applicants pick up the cost of higher risk applicants.

With companies looking for ways to cut costs, some employers have decided to stop offering health insurance as a benefit to employees. These companies may be making a short-sighted choice in doing so, since health insurance coverage is an important factor in attracting and retaining top-notch talent. Current employees who are no longer covered under a health insurance plan at work may be more likely to start looking for work elsewhere, especially as the economy improves.

In the meantime, the employees are left looking for alternative ways to get health insurance coverage. They can look to private coverage for their health insurance needs, but this option may not be a workable option for everyone who needs coverage. If your employer denies you coverage or  does not offer this type of benefits you will need to find another option.

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Individual Insurance Option

There are a number of companies offering individual health insurance plans, but entering these waters when searching for coverage can be fraught with peril. An individual may be turned down for coverage because of a pre-existing condition, which can be interpreted by the insurance company as any condition the applicant sought medical advice or treatment for prior to applying for coverage.

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Middle class people who can’t afford private health insurance are considering other options for their health care. When going to a doctor’s office isn’t an option, they may turn to non-profit medical clinics for care. While the cost of getting services is much more affordable, the increase in patients is creating a strain on these resources as well.

Wait times for getting services is getting longer, which may also discourage people who need medical care from getting the help they need. With more middle-income people working for small businesses who don’t offer health insurance coverage or doing contract work that doesn’t offer any benefits, the issue will continue to affect this segment of the population.

The solution for middle class people who need health care is not an easy one. They can try to find a job with an employer who offers coverage as a benefit. Some people who would otherwise have moved on may choose to stick with an employer who offers health insurance coverage.

Before giving up on private health insurance, a consumer should take some time to shop the market. These companies have a number of products available offering different levels of coverage. It may be possible to find a plan with a higher deductible that will provide coverage for major medical expenses. When a customer is willing to take on a higher level of health care expenses personally, the premiums will be lower.

There is no question that the middle class is facing challenges when it comes to finding affordable health care. Far too many people are going without coverage because of financial issues.

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