Affordable health insurance options in Ohio: interview with the Director of the Ohio Department of insurance

In accordance with the Bureau USA 87.7% of Ohioans have some form of health insurance coverage in 2005, while 12,3% were not insured at any time during the year. In addition, 14 percent of the residents of Ohio below the age of sixty-five did not have health insurance in 2005.

AFFORDABLE HEALTH INSURANCE OPTIONS IN OHIO

Most Ohioans who have health insurance are covered by the employer on the plans or programmes of the Government. What options are available for persons who do not have access to such demand?Director of the Ohio Department of insurance, Ann witch flounder Benjamin, refers to "the increasing number of health savings account option may be a person or family, generally comfortable paying health care costs, but wants the principle of a high deductible.In addition, the relatively young, fairly healthy person, HSA with high deductible health plan can really work. "

Health savings accounts are not feasible for all Ohio residents who are not interested in HSAs, you should try to exploit alternative plans and programs. "Ohio is the program Open enrollment, adopt (uninsured persons) irrespective of the conditions previously, but likely to be costly, "explains Benjamin witch flounder.

HEALTH CARE SCOPE OF LEGISLATION

Currently there are two bills, state legislature Ohio Senate Bill 272 and House Bill 5/5 of the Bill of the Senate, are typically handled by the Ohio Department of insurance as a method of increasing access to health insurance coverage.

Senate Bill would repeal the open 272 logging, as well as the reinsurance programme Open enrollment. In its place that create health insurance risk pool shall cover the healthcare of Ohio to persons who are not able to get an affordable range of health care in any other way.This would eliminate the annual open enrollment periods of this disease and accident insurers, health insurance corporations, and multiple employer welfare arrangements (MEWAs) are now required to hold. "Ohio health insurance risk Pool would be to ensure that the State Fund for people without health insurance coverage. does the company supports this concept and have different proposals for funding. Whether theory, we will be able to reach ten times more people than currently open enrollment, "says Benjamin witch flounder.

House Bill 5/5, the Senate Bill would allow small employers to offer health care plans, which do not offer benefits otherwise required by law.THE BILL provides for the operation of health savings accounts, in accordance with the law of the Federal and places the limitation of liability of the insured payment and deductibles under health benefits.ODI Director witch flounder Benjamin argues that the Bill "provides more options for small businesses, and we are serious, that which passes".

IN THE EXAMPLE, MASSACHUSETTS

On 4 April 2006, the Massachusetts House Bill 4850 was mostly by the legislator the status of all Massachusetts residents will be required to obtain health insurance coverage up to 1 July 2007, the status of the plan ensures that undertakings with more than ten employees, which do not provide health insurance coverage will be charged a fee of $ 295 per year for each employee.Government grants to private insurance plans provide affordable health insurance to more of the malfunction and the persons who can afford private health plans will be punished for their state income taxes if you do not want to reach.Ohio, you should consider a similar plan in order to cover the almost universal health insurance?Ohio Department of insurance Director Ann witch flounder Benjamin says that we must "View Massachusetts and evaluation of the success of the plan and financing".Ohio has the greater the number of uninsured and is other than the State of Massachusetts, politically. "

Ohioans have a large selection of health insurance carriers and Government programmes, to choose. regardless of vendor, is extremely important for persons to obtain health insurance plan. Director witch flounder Benjamin stresses that it is "data from people who do not treat need health insurance coverage."

About the Ohio Department of insurance

Ohio Department of insurance (ODI) is an information resource for those seeking information on health insurance options. ODI contends that its mission is to be ' requirements and to safeguard consumer interests through education and vigilance in promoting a stable and competitive insurance market providing "Ohio Department of insurance. can help uninsured people sort through their options, depending on their individual circumstances. for more information call with the phone line 1-consumers ODI at 800-686-1526.

The Department is headed by a Director Ann witch flounder Benjamin, who was appointed in January 2003, is the first woman to the position before that date witch flounder Benjamin served in Ohio House for eight years.

Erin Shaughnessy freelance writer of political and promotional articles and consumer is often a contributor to the rapid health insurance [http://www.fast-health-insurance.com/].