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How to Buy Health Insurance - Being Uninsured

How important is it to have health insurance?

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eHealthInsurance
www.ehealthinsurance.com  
(800) 977-8860

eHealth, Inc. is the parent company of eHealthInsurance Services Inc., the leading online source of health insurance for individuals, families and small businesses. eHealthInsurance presents complex health insurance information in an objective, user-friendly format, enabling the research, analysis, comparison and purchase of health insurance products that best meet consumers' needs.

Licensed to market and sell health insurance in all 50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 160 health insurance companies, offering more than 7,000 health insurance products online.

The company's technology platform is able to communicate electronically with insurance carrier partners, which enables a simpler, more streamlined health insurance application process. This technical connection with the back-office processes of health insurance companies can facilitate rapid approval of applications and real-time communication between carrier and consumer throughout the process.

eHealthInsurance provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit options, complemented by a full-service Customer Care Center of highly trained customer service representatives. Available via a toll free number, online chat, email or fax, the Customer Care team answers consumer questions throughout the process of buying and using health insurance.

eHealthInsurance was founded in 1997 and its technology was responsible for the nation's first Internet-based sale of a health insurance policy. We are headquartered in Mountain View, California.

<span>The content provided by eHealthInsurance on this Website is for informational purposes only. This content is general in nature, and is not intended to be a substitute for advice from a licensed insurance agent. </span>

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Transcripts

Host: How important is it to have health insurance?

Bob Hurley: It's so important for people to have health insurance of some kind. In fact, there have been many studies done that show that people that have health insurance basically, stay healthier and a lot of that has to do with the fact that when you have health insurance you feel more comfort in going to a doctor because you have got some financial help for any of the costs associated with going to the doctor or going to get your lab work and so on. So what we know for sure is that if you have health insurance you are going to get more of the care that you need and you are going to stay healthier. So it's very important for people to have that coverage.

Secondly, I talk to the families all the time around the country and they will ask me, "How much coverage is enough?

" I was let them know that they need to use the sleep at night role. They need to get to enough coverage where they can feel comfortable with their coverage that financially they won't be ruined if something bad happens and I will like to refer to that as sleep at night. I can sleep in night knowing I have got that health insurance coverage.

The other thing that many families will ask me is, "Are these higher health insurance deductibles okay? Is it okay to buy $1,500 deductible or $2,000 deductible? Is that going to be enough coverage?

" What I like to tell them is if that is what you can afford then you should absolutely buy those higher deductible plans because it's much simpler to be able to go out and find $2,000 or $2,500 to cover that deductible than it is to go out and find $50,000 or $60,000 to cover a hospital stay because you have had some kind of health condition.

So my word of advice to families all over this nation is as I speak to them is absolutely get the coverage you can afford that because any coverage is better than no coverage at all.

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