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The company's health insurance website features over 13, plans from more than carriers. Another alternative is to go directly to health insurers' websites. Many allow you to obtain quotes online. This might be most helpful when you know of insurers in your state that don't show up on the online health insurance broker websites. You could also contact a reputable health insurance agent in your area to get individual insurance quotes. There's one important thing to keep in mind, though -- you can only receive a federal subsidy if you go through a government exchange Healthcare.

Compare costs again As painful as it might be to do so, you'll need to compare costs yet again using the information obtained in step five. Remember the old saying, though: "No pain, no gain. Could the cheapest health insurance for you be one for which you can't get the federal subsidy? It's possible. The "total cost of ownership" approach mentioned in step four can be surprising. Depending on your medical costs, an off-exchange plan with a very high deductible could be the least expensive alternative for you. Pick the plan that best meets your needs In the end, you'll definitely want to revisit step two.

A cheap health insurance plan that doesn't meet your needs won't be as valuable as a slightly more expensive one that does meet your needs. Also, keep in mind that the cost of anything, including health insurance, goes beyond just monetary impact. For example, continuing to go to the doctor you've had for years might be worth paying more on your monthly premiums.

Make sure you look carefully at the provider networks for each health insurance plan you're considering if choice of provider is important to you. Finding cheap health insurance isn't as difficult as finding a unicorn or the Holy Grail or both simultaneously. It can take a little time and effort, but it's an investment that should pay solid returns over time. Keith began writing for the Fool in and focuses primarily on healthcare investing topics. His background includes serving in management and consulting for the healthcare technology, health insurance, medical device, and pharmacy benefits management industries.

Follow keithspeights. Premium Services. Stock Advisor Flagship service. Rule Breakers High-growth stocks. View all Motley Fool Services. Stock Market News. Popular Stocks. If you want to put in the time and energy, purchasing a small group health insurance plan directly from a provider could save you money. While this might satisfy your inner entrepreneur and cut some costs, there are a few ways this could go sour. First, some insurers simply don't sell direct--so your selection is more limited than you'd think.

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Second, you'll be the one responsible for all paperwork regarding initial enrollments, yearly open enrollment periods, billing, eligibility, and claims. It's not the most efficient process, and it won't get easier as you grow. Finally, there's a good chance that you miss a better plan because you're unfamiliar with the industry or make a purchasing mistake because of confusing terminology. Health insurance is a complicated area with lots of choices, and messing up could mean a lot of time and money wasted. While there are a few other options--like checking out your local trade associations or subsidizing your employees' individual health insurance plans--these 4 paths are some of the best choices for your small business.

These paths could change in with the new administration, but for now, they're the best place to start. Remember: always keep in mind the health care needs of you and your employees, and figure out how much your business can spend! Health insurance is expensive, complicated, and sensitive--a lot can go wrong. Solo Entrepreneurs. Prescription medicine you need Personal and family medical history Your medical practitioner habits How often do you visit a generalist or a specialist, for example?

Private Health Exchanges. Highmark Blue Cross Blue Shield. IOM Institute of Medicine. Employment and health benefits. Jacobson, P. Rettig, and W. Litigating the science of breast cancer treatment. Journal of Health Politics, Policy and Law 32 5 Kaminski, J. Defining medical necessity. Kashihara, D. Statistical brief National health care expenses in the U. Ko, D.

Oregon Health Insurance - Find Affordable Health Insurance in Oregon

Ross, Y. Wang, and H. Determinants of cardiac catheterization use in older Medicare patients with acute myocardial infarction. Circulation: Cardiovascular Quality and Outcomes 3 1 Levine, S. Maciejewski, M. Farley, J. Parker, and D. Copayment reductions generate greater medication adherence in targeted patients.

McDevitt, R. Actuarial value: A method for comparing health plan benefits. McDonough, R. Determination of essential health benefits. McGlynn, E. Asch, J. Adams, J. Keesey, J. Hicks, A. DeCristofaro, and E. The quality of health care delivered to adults in the United States. New England Journal of Medicine 26 June report to the Congress: Medicare and the health care delivery system. Milstein, A. Health Affairs 16 3 Mokdad, A. Marks, D. Stroup, and J. Actual causes of death in the United States, Journal of the American Medical Association 10 Correction: Actual causes of death in the United States, Journal of the American Medical Association 3 Special needs plan SNP phase 1—draft stucture and process requirements glossary.

How many more studies will it take? Newhouse, J. Medical care costs: How much welfare loss? Journal of Economic Perspectives 6 3 Nussbaum, S. Health insurance plan variance in coverage inclusions, exclusions, networks and benefit design for quality improvement. Oregon Health Services Commission. The prioritized list. Prioritized list of health services: April 1, Value-based services.

Behind the numbers: Medical cost trends for New York: PricewaterhouseCoopers. Rosen, A. Are we getting better at measuring patient safety? Rosenblatt, R. Law, and S. New York: Foundation Press. Saha, S. Coffman, and A. Giving teeth to comparative-effectiveness research—the Oregon experience. New England Journal of Medicine 7 :e Schuster, M.

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McGlynn, and R. How good is the quality of health care in the United States? Milbank Quarterly 83 4 Simpson, K. Reconsideration of the costs of convenience: Quality, operational, and fiscal strategies to minimize elective labor induction. Singer, S. Bergthold, C. Vorhaus, S. Olson, I. Mutchnick, Y. Goh, S. Zimmerman, and A. Decreasing variation in medical necessity decision making. Appendix B. Smith, J. Smith, S. Heffler, and M.

The impact of technological change on health care cost spending: An evaluation of the literature. Newhouse, and M. Income, insurance, and technology: Why does health spending outpace economic growth? Health Affairs 28 5 Stacey, D.

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Bennett, M. Barry, N. Col, K. Eden, M. Holmes-Rouner, H. Llewellyn-Thomas, A. Lyddiatt, F. Decision aids for people facing health treatment or screening decisions. Thompson, J. Health care that works: Evidence-based Medicaid. What is care management? Wennberg, J. Time to tackle unwarranted variations in practice. British Medical Journal White, D. Bonham, J. Jenkins, N. Stevens, and C. Wickizer, T. Utilization management: Issues, effects, and future prospects. Annual Review of Public Health Wright, A.

Yu, W. Statistical brief Concentration of health care expenditures in the U. In , an estimated 50 million people were uninsured in the United States. A portion of the uninsured reflects unemployment rates; however, this rate is primarily a reflection of the fact that when most health plans meet an individual's needs, most times, those health plans are not affordable. Research shows that people without health insurance are more likely to experience financial burdens associated with the utilization of health care services.

But even among the insured, underinsurance has emerged as a barrier to care. The Patient Protection and Affordable Care Act ACA has made the most comprehensive changes to the provision of health insurance since the development of Medicare and Medicaid by requiring all Americans to have health insurance by An estimated 30 million individuals who would otherwise be uninsured are expected to obtain insurance through the private health insurance market or state expansion of Medicaid programs. Essential Health Benefits recommends a process for defining, monitoring, and updating the EHB package.

Department of Health and Human Services agencies, state insurance agencies, Congress, state governors, health care providers, and consumer advocates. Based on feedback from you, our users, we've made some improvements that make it easier than ever to read thousands of publications on our website. Jump up to the previous page or down to the next one. Also, you can type in a page number and press Enter to go directly to that page in the book.

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Get This Book. Visit NAP. Looking for other ways to read this? No thanks. Page 26 Share Cite. Page 27 Share Cite. Page 28 Share Cite. Lists of specific covered benefits in subscriber contracts. Page 29 Share Cite. Page 30 Share Cite. A description of the covered benefits: services, drugs, devices a. Identification of those covered services, drugs, and devices that are variably covered tiering b.

Identification of those covered services, drugs, and devices that are limited in quantity, frequency, or some other way 2. A description of the cost-sharing process a. Specific definition of and dollar amounts related to deductibles, co-payment, co-insurance, and out-of-pocket maximum b. Specific identification of any covered services, drugs, or devices having no cost sharing c. Specific definition of any covered services, drugs, or devices in which cost sharing does not accrue to the out-of-pocket maximum d.

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Specific definition of those services, drugs, or devices whose cost is not included in the out-of-pocket maximum when they are not covered e. The actuarial value 3. A list of coverage exclusions 4. Definitions of key terms affecting coverage, including whether the definition is consistent with an external standard a. Definition of medical service b. Medical necessity c. Experimental, investigational d.

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Cosmetic e. Dental 5. Identification of benefit design innovations a. Value-based insurance designs that align cost sharing with value 6. Identification of provider networks, incentives, and care delivery options a. Incentives and disincentives for providers at individual and organizational levels b. Centers of excellence without any out-of-network coverage for specific conditions d.

Identification of delivery arrangements that could affect care i. Medical homes ii. Disease management iii.

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Care coordination iv. Specialty referral requirements 7. Identification of medical policies that could affect coverage including an explicit statement that these policies may apply to all covered services on an individual patient basis a. Access to specific medical policies affecting coverage b. A description of the process for administering these policies including complaint, request for review, and appeal processes 9.

Payment policies that affect coverage or cost sharing. Hold-harmless arrangements b. Pricing arrangements that may affect cost sharing and out-of-pocket maximums c. Reference pricing for drugs and medical or surgical services Quality and cost transparency reports on variation by provider, condition, procedure, facility, and geography