Most Common Reasons for Not Having Health Insurance in United States

There is an old saying “Health is wealth” which is hundred percent correct. Until you won’t be having good health you cant work and cant earn. As a healthy body bears a healthy mind and when mind will be healthy you will be able to asses the circumstances and can make wise decisions.  That will have good impact on your financial life that depends on your health.

It’s better to have health insurance in order to coup any future health problems. Because those can put heavy burden o your pocket. But in United States there are large numbers of people who are living without health insurance. These numbers are increasing day by day due of economic conditions.

There are several reasons that large number of people in United States is not having health insurance.

The reasons are:

1. High Monthly Premiums

High monthly premiums are one of the most common reasons for not having health insurance in America. People usually don’t opt to get health insurance in order to save money for their other expenses.


As the economy is going down and majority of people is facing debt problems. So that makes it hard for them to get the health insurance policy.

2. Losing a Job

Second most common reason is losing the job. When people will lose their jobs it will become hard for them to pay high monthly premiums for health insurance. After losing a job a person always looks first to take care of basic needs. When there wont be enough monthly how a person will pay his/her health insurance monthly premiums.

3. Employers Don’t Offer Health Insurance

Though not all employers do that but there are many employers who don’t offer health insurance. Getting health insurance individually in order to secure the family regarding health matters is so much expensive. A low income worker cannot afford that if the employer is not offering the health insurance to its workers.

4. Young Adults

There are large numbers of young adults who don’t have the health insurance policy. It’s because when they got adult they got out of the parents health insurance policy. Now they can’t get health insurance by themselves until they won’t get the well paying job!

Consequences of Not Health Insurance

Consequences of not having health insurance can be dreadful. Because people will not go to doctors when they will get sick and it can increase death rate in United States.  It’s because without health insurance it’s hard for people to afford doctors and medical treatment.

Healthy nation means more progress and development. There should have to be some serious plan of action regarding health insurance. So the common people can get at least basic coverage.

5 Steps to Get your Health Insurance License

It is somewhat difficult to decide about getting the license by selling health insurance. Once you first decide for it, it really becomes difficult for you to figure out how to apply for it, where to take the classes and things of this sort. In this article, we have described about the life and health insurance license, and the steps that would definitely help you out in getting started up with all this. All you need to do is, just follow them up in the sequence.

1. First Priority

Selling a license to health insurance is similar as selling a license to life insurance. If you are planned at selling other types of insurance that can be your property, casualty, or things of this sort, it requires a separate kind of training. It is a bit different. This type of license is known as “separate agent license”.

Most of the state laws are basic and similar. There is too much common in them. But you need to know about the specific rules and laws that your state has. It is also of extreme importance. For this purpose, a 40 hour class is held. If you attend that class, a completion certificate is given to you. This certificate grants you the access for taking the state licensing exam.

2. Get Registered for Class

Normally, it is too difficult for the people to search for the classes. They don’t get to find how and where they have to go for taking their class. There is no proper guidance for these people. Therefore, it is suggested to the companies to have better marketing strategies. It would really become easier for the people then, to know about the classes and things of this sort.

3. Be Punctual in Class

Be punctual. Always be on time. Never be late. You must manage your time. Financial industry has strict government regulation and thus the professors can punish the late comers and non serious people. Prior to the class it is extremely useful to do home assignments and reviewing. You can also bring your business cards in order to get socialized and make your social circle vaster. Make new friends there and know about other people who are studying with you. There is a variety of professions and life styles of the people who study with you there. It thus, also helps you in becoming social.

4. Complete the Exam Properly

A certificate of completion is given to those who complete the course properly. You have to attend the classes regularly and must be very attentive while taking them. This actually acts as a gatekeeper for taking the exam and getting your license. Some of the states also offer online schedule. This is much comparatively easier and simple to adopt. That’s up to you what you chose for yourself.

5. Pass the Exam

A score of at least 70% is required to pass the exam. Work hard to achieve this particular score because passing this is really important for you. Once you pass it, you are legally allowed for selling life and health insurance. This is the one of the important most steps.

Companies Often Drop Health Insurance without Warning Employees

Health is most precious things than all. Health is wealth but wealth is also essential to have a good health. Medical assistance is not provided without any costs. A common person who works eight hours a day can hardly save any money for his medical costs. From last couple of years in this struggling economy common person had taken many blows. Now there is again one more and that’s elimination of health insurance without any notification by the employers.

Elimination of Health Insurance Benefits

There is new trend started in this struggling economy era and that’s employers are eliminating health benefits without informing their employees. The employees who already are suffering from this struggling economy became again victim of this unjust offense.

Though taking back health insurance benefits are an illegal maneuver in many states, but it’s not only happening, that’s on the rise also. There is a provision in the law that a company must have to give their workers 45 days notice if they are going to drop the coverage.

But many workers found that their coverage has lapsed when they go to the doctor’s office. It’s just because many businesses don’t follow the law.

You Can Complain If Same Happened To You

If any complaint will be filed in state’s insurance department then the employer will be given an opportunity to reinstate benefits and pay back the premiums to fill any gaps in coverage. If employer fails to cooperate then state will file a legal case against the company. The employees will be helped also by state insurance departments to understand their options for going forward.

Here it will good to mention a high-profile case of an airline CEO. That CEO terminated health benefits for over 300 employees without notification. He was charged one count of willful failure to pay group health insurance premiums.

The effect of health insurance removal will be worse on the employees. As already they are struggling to survive, this new maneuver can become a last nail to coffin. Lets lo and behold that what action government will take? Will it be good for common person or will benefit the employers? Best answer for this time will give; as the time will pass we get a clear view of this certain illegal offense.