Health Insurance is one of the biggest concerns we face in America today. The self employed and real estate agents in general are one of the largest uninsured or underinsured groups in the market place today. As insurance professionals we are constantly looking for solutions this ever growing problem. As we listen to the presidential debates on health-care there is a lot of talk amongts the candidates but no real solutions in the foreseeable future that solve your problems today. The sole principle of insurance is for people to pay into a system whether it has immediate benefit or not in order to lower costs for the population as a whole. Market research indicates the main reasons as to why people choose to go without health-care coverage is one price, two lack of understanding the need for coverage, three they are uninsurable, and four they just don't care. Day after day I work with clients all over the country talking to them about their health-care needs. The mentality of most people about health-care is they believe if they are going to pay for the high price for the coverage then it should cover every aspect of their health-care needs in other words if they cant have the Cadillac of all coverage at the price they want to pay they give up and choose to go without. This is not the solution folks, the most important thing one should protect themselves against is a catastrophic loss such as a hospitalization or a major illness. You do not buy auto insurance to cover oil changes and tires you buy it for a major accident or collision. There are insurance policies that exist today that protect you for such a loss and in my opinion are essential to protecting your finances and granting you access to the services you need at a price that is 1/4 the cost of your typical health-care policy. The fact is that the health-care industry is not perfect in this country or in any other country for that matter, however in America we do have access to some of the best doctors and hospitals the world can offer. The health-care industry is a business and a science and it is constantly evolving and improving daily. It is not the job of the government to grant us access to this health-care nor is it free. When we look at Medicare a government driven health-care system it does work, but keep in mind it is going bankrupt. I say to all of you out there who are listening that the solution to the problem is in you. It is not the fault of the insurance company or your doctors if you choose to be unhealthy and 80% of the problems people face are a result of lifestyle choices. I also urge all of you that whether you pay higher taxes for a universal health-care system or purchase health-care on your own you are still paying into the system and until we take the responsibilities into our own hands and make better choices nothing can change. If you are not protecting yourself with a health insurance policy or waiting it out to see what the government will do you are only contributing to the problem. There are solutions out there whether you are concerned about price, have a preexisting condition, or are healthy and just don't care. It is important to take the time to get educated by a professional insurance agent and stay open minded about your health-care options. Keep in mind that any form of insurance at all supports the system overall it is not about your immediate needs its about contributing for a future disaster for yourself and your neighbors. The 45 million people who have no coverage at all may have a problem, but they are also causing a problem for the other 250 million people who choose to have coverage do your part and support a health US economy. I seek any comments or opinions you may have.
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