Private Insurance
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Private Insurance
Все языки Абхазский Адыгейский Африкаанс Айнский язык Акан Алтайский Арагонский Арабский Астурийский Аймара Азербайджанский Башкирский Багобо Белорусский Болгарский Тибетский Бурятский Каталанский Чеченский Шорский Чероки Шайенского Кри Чешский Крымскотатарский Церковнославянский (Старославянский) Чувашский Валлийский Датский Немецкий Долганский Греческий Английский Эсперанто Испанский Эстонский Баскский Эвенкийский Персидский Финский Фарерский Французский Ирландский Гэльский Гуарани Клингонский Эльзасский Иврит Хинди Хорватский Верхнелужицкий Гаитянский Венгерский Армянский Индонезийский Инупиак Ингушский Исландский Итальянский Японский Грузинский Карачаевский Черкесский Казахский Кхмерский Корейский Кумыкский Курдский Коми Киргизский Латинский Люксембургский Сефардский Лингала Литовский Латышский Маньчжурский Микенский Мокшанский Маори Марийский Македонский Коми Монгольский Малайский Майя Эрзянский Нидерландский Норвежский Науатль Орокский Ногайский Осетинский Османский Пенджабский Пали Польский Папьяменто Древнерусский язык Португальский Кечуа Квенья Румынский, Молдавский Арумынский Русский Санскрит Северносаамский Якутский Словацкий Словенский Албанский Сербский Шведский Суахили Шумерский Силезский Тофаларский Таджикский Тайский Туркменский Тагальский Турецкий Татарский Тувинский Тви Удмурдский Уйгурский Украинский Урду Урумский Узбекский Вьетнамский Вепсский Варайский Юпийский Идиш Йоруба Китайский
Все языки Абхазский Адыгейский Африкаанс Айнский язык Алтайский Арабский Аварский Аймара Азербайджанский Башкирский Белорусский Болгарский Каталанский Чеченский Чаморро Шорский Чероки Чешский Крымскотатарский Церковнославянский (Старославянский) Чувашский Датский Немецкий Греческий Английский Эсперанто Испанский Эстонский Баскский Эвенкийский Персидский Финский Фарерский Французский Ирландский Галисийский Клингонский Эльзасский Иврит Хинди Хорватский Гаитянский Венгерский Армянский Индонезийский Ингушский Исландский Итальянский Ижорский Японский Ложбан Грузинский Карачаевский Казахский Кхмерский Корейский Кумыкский Курдский Латинский Лингала Литовский Латышский Мокшанский Маори Марийский Македонский Монгольский Малайский Мальтийский Майя Эрзянский Нидерландский Норвежский Осетинский Пенджабский Пали Польский Папьяменто Древнерусский язык Пушту Португальский Кечуа Квенья Румынский, Молдавский Русский Якутский Словацкий Словенский Албанский Сербский Шведский Суахили Тамильский Таджикский Тайский Туркменский Тагальский Турецкий Татарский Удмурдский Уйгурский Украинский Урду Урумский Узбекский Водский Вьетнамский Вепсский Идиш Йоруба Китайский
страх . частное страхование ( страхование , осуществляемое частными страховщиками , а не в рамках государственных программ страхования )
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Англо - русский экономический словарь .
private insurance — noun : insurance organized under private aegis compare social insurance … Useful english dictionary
Insurance in India — Insurance is a federal subject in India and has a history dating back to 1818 . Life and general insurance in India is still a nascent sector with huge potential for various global players with the life insurance premiums accounting to 2 . 5 % of the … Wikipedia
insurance — / in shoor euhns , sherr /, n . 1 . the act , system , or business of insuring property , life , one s person , etc ., against loss or harm arising in specified contingencies , as fire , accident , death , disablement , or the like , in consideration of a … … Universalium
Insurance Corporation of British Columbia — The Insurance Corporation of British Columbia ( ICBC ) is a provincial crown corporation in British Columbia created in 1973 by the NDP government of British Columbia . The original purpose of ICBC was to provide universal public auto insurance in … … Wikipedia
insurance — 01 . After my father died , my wife and I decided to get life [ insurance ] to support our family in case either of us died unexpectedly . 02 . My car [ insurance ] went up as a result of the accident . 03 . After the fire , our house [ insurance ] replaced … … Grammatical examples in English
Private healthcare — or private medicine is healthcare and medicine provided by entities other than the government . The term is generally used more in Europe and other countries which have publicly funded health care , to differentiate the arrangement from the usual … … Wikipedia
private mortgage insurance — n: insurance that a lender may require a borrower to purchase to cover losses in the event of default of a residential loan esp . when the borrower is giving the lender a mortgage on property in which the borrower has less than 20 percent equity … … Law dictionary
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private — pri ‧ vate [ ˈpraɪvt ] adjective [ only before a noun ] 1 . private property , businesses , activities etc are owned or paid for by people and companies , rather than the government: • They transferred ownership of thousands of companies from the state to … Financial and business terms
Insurance Services Office — Insurance Services Office , Inc . ( ISO ) is a provider of data , underwriting , risk management and legal / regulatory services to property casualty insurers and other clients . Headquartered in Jersey City , New Jersey , the organization serves clients … … Wikipedia
Private equity in the 1990s — relates to one of the major periods in the history of private equity and venture capital . Within the broader private equity industry , two distinct sub industries , leveraged buyouts and venture capital experienced growth along parallel although … … Wikipedia
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What Is Private Health Insurance ?
private insurance - это... Что такое private insurance ?
Buying Private Health Insurance
private insurance - Английский-Русский Словарь - Glosbe
Insurance - Wikipedia
You may need to purchase individual healthcare coverage if you just turned 26, are unemployed or self-employed, work part-time, are starting a business that will have employees, or if you have recently retired. If you do not have the option of enrolling in an employer-sponsored health insurance plan, a good source for gaining insurance coverage is through the Health Insurance Marketplace that was created in 2014 by the Affordable Care Act (ACA). If you are retired, you also have the option of enrolling in Medicare, Medigap, or Medicare Advantage, if you are eligible.
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A qualifying event allows you to change an existing health insurance policy, or sign up for a new one, outside of open enrollment periods.
The Health Insurance Marketplace was established under Affordable Care Act and offers plans to individuals, families, and small businesses.
Medigap, also called Medicare Supplement Insurance, is private health insurance coverage designed to pay for costs not covered by Original Medicare.
Medicare supplement insurance, also known as Medigap, is private insurance sold to complement original Medicare coverage.
A health insurance premium is an upfront payment made on behalf of an individual or family in order to keep their health insurance policy active.
Medicare Advantage, or Medicare Part C, is a type of hospital and medical insurance provided by private companies instead of the federal government.
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If your employer doesn't offer you health insurance as part of an employee benefits program, you may be looking at purchasing your own health insurance through a private health insurance company. When your employer offers you the option to enroll in an employer-sponsored health insurance plan, they will typically cover part of your insurance premiums.
A premium is the amount of money an individual or business pays to an insurance company; health insurance premiums are typically paid monthly. If you need to insure yourself, you'll be paying the full cost of the premiums. Because of this, it is common to be concerned about how much it will cost to purchase health insurance for yourself. However, there are different options and different prices available to you based on the level of coverage you need.
When purchasing your own insurance, the process is more complicated than simply selecting a company plan and having the premium payments come straight out of your paycheck every month. Here are some tips to help guide you through the process of purchasing your own health insurance .
Some Americans gain insurance by enrolling in a group health insurance plan through their employers. Medicare and Medicaid also provide health care coverage to a population of Americans.
Medicare is a federal health insurance program for people who are 65 or older. Certain young people with disabilities and people with end-stage renal disease may also qualify for Medicare. Medicaid is a public assistance healthcare program for low-income Americans regardless of their age.
You cannot purchase private health insurance directly from the state or federal government. If your company does not offer an employer-sponsored plan, and if you are not eligible for Medicare or Medicaid, individuals and families have the option of purchasing insurance policies from private insurance companies or through the Health Insurance Marketplace .
There are certain circumstances that make it more likely that you will need to purchase your own health insurance plan:
Under provisions of the Affordable Care Act (ACA), young people can be covered as dependents by their parents' health insurance policy until they turn 26 years old. After that, they must seek out their own insurance policy. 1
If you lose your job, you may be eligible to maintain coverage through your employer's health insurance plan through a program called the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA allows eligible employees and their dependents the option to continue health insurance coverage when an employee loses their job or experiences a reduction of work hours.
While coverage through COBRA can be maintained for up to 36 months (under certain circumstances), the cost of enrolling in COBRA is very high. This is because the formerly employed person pays the entire cost of the insurance. Typically, employers pay a portion of healthcare premiums on behalf of their employees.
Part-time jobs rarely offer health benefits. A part-time job is any position that requires employees to work a lower number of hours than would be considered full-time by their employer, or 40 hours per week. If you work part-time, you usually must enroll in your own health insurance.
A self-employed person may work for themselves as a freelancer or own their own business. A self-employed person may be eligible for health insurance if they are married and can be insured through their spouse's plan. If not, they must provide their own health insurance. 2
If you start a business and you have employees, you might be required to offer them health insurance . Even if it's not required, you might decide to offer health insurance in order to be a competitive employer who can attract qualified job candidates. In this situation, you will be required to purchase a business health insurance plan, also known as a group plan . 3 4
When you retire, you will likely no longer be eligible for employer-sponsored health insurance. If you are under 65 and not disabled, you will need to purchase individual private health insurance until you turn 65 and can apply for Medicare. Many retirees choose to purchase private Medigap or Medicare Advantage plans in addition to
Medicare as a way of guaranteeing more comprehensive coverage. Some retired people may also decide to completely replace Medicare coverage with private Medigap or Medicare Advantage plans.
It is important to note that Medicare, Medigap, and Medicare Advantage plans are only for the individual—your spouse, partner, and any dependents cannot be insured through your Medicare plan. This means that if your family was previously insured through your employer's plan, and you retire, your family members may need to enroll in an individual insurance plan. 5
Although the ACA prevents insurers from canceling your coverage–or denying you coverage due to a pre-existing condition or because you made a mistake on your application—there are other circumstances when your coverage may be canceled. It's also possible that your insurance may become so expensive you can’t afford it.
If you find yourself in one of the above situations and lack health insurance coverage, it's important to enroll in an individual plan as soon as possible. Starting with the 2019 plan year, there is no longer a fine for not having health insurance.
For plan years through 2018, if you chose not to buy health insurance, you could face a fee when you filed your federal taxes. This fee was called the Individual Shared Responsibility Payment, but it is no longer effective. 6
Even though you will not be charged a fee, you cannot predict when an accident will occur that will require medical attention. Even a small broken bone can have negative financial consequences if you're uninsured. Without insurance, medical care can be prohibitively expensive.
If you purchase insurance through the Health Insurance Marketplace , you may be eligible for income-based premium tax credits or cost-sharing reductions. The Health Insurance Marketplace is a platform that offers insurance plans to individuals, families, or small businesses.
The Affordable Care Act of 2010 established the marketplace as a means to achieve maximum compliance with the mandate that all Americans be enrolled in health insurance. Many states offer their own marketplaces, while the federal government manages an exchange open to residents of other states.
While you may not be able to afford the same kind of plan an employer would offer you, any amount of coverage is more advantageous than being uninsured. In the event of a major accident or the unfortunate onset of a long-term illness, you will be better prepared.
Even though you will not be charged a fee, you cannot predict when an accident will occur that will require medical attention.
There are several different kinds of health insurance plans, and each of these plans has a number of unique features.
A health maintenance organization (HMO) is a company that's organizational structure allows them to provide insurance coverage for their subscribers through a specific network of healthcare providers.
Typical features of an HMO include paying for insurance coverage for a monthly or annual fee. Premiums tend to be lower for HMOs because health providers have patients directed at them, but the disadvantage is that subscribers are limited to accessing a network of doctors and other healthcare providers who are contracted with the HMO.
A preferred provider organization (PPO) is a type of insurance plan in which medical professionals and facilities provide services to subscribed clients at reduced rates. Healthcare providers that are part of this network are called preferred providers, or in-network providers. Subscribers of a PPO plan have the option of seeing healthcare providers outside of this network of providers (out-of-network providers) but the rates for seeing these providers are more expensive.
An exclusive provider organization (EPO) is a hybrid of the HMO and a PPO plan. With an EPO, you can only receive services from providers within a certain network. However, exceptions can be made for emergency care.
Another characteristic of an EPO plan is that you may be required to choose a primary care physician (PCP)–a general practitioner that will provide preventative care and also treat you for minor illnesses. In addition, with an EMO plan, you usually do not need to get a referral from your PCP in order to see a specialist physician.
A high-deductible health plan (HDHP) has a couple of key characteristics. First, it has a higher annual deductible than other insurance plans. A deductible is the portion of an insurance claim that the subscriber covers themselves. Second, high-deductible health plans typically have lower monthly premiums.
This type of plan is ideal for young or typically healthy people who don’t expect to demand healthcare services unless they experience a medical emergency or an unexpected accident. The last defining feature of a high-deductible health plan is that it offers access to a tax-advantaged Health Savings Account (HSA).
An HSA is an account that subscribers can contribute funds to that can later be used for medical costs that their high deductible health plan doesn’t cover. The advantage of these accounts is that the funds are not subject to federal income taxes at the time of the deposit.
Consumer-driven health plans (CDHPs) are a type of high-deductible health plan. A portion of services that subscribers receive is paid for with pre-tax dollars. Like other high-deductible healthcare plans, consumer-driven health plans have higher annual deductibles than other health insurance plans but the subscriber pays lower premiums each month.
A point of service (POS) plan provides different benefits to subscribers based on whether or not they use preferred providers (in-network providers) or providers outside of the preferred network (out-of-network providers). A POS plan includes features of both HMO plans and PPO plans.
A short-term insurance policy is a type of insurance coverage that lasts for a short period of time, typically for three months. However, term lengths vary by state, and in some U.S. states, you may be eligible for a short-term plan for up to 12 months.
Short-term health insurance is also called temporary health insurance or term health insurance. It can be a temporary solution to help fill gaps in insurance coverage if you are between jobs, waiting for other coverage to begin, if you are waiting to become eligible to Medicare coverage, or if you need to enroll in health insurance but it is outside of the designated open enrollment period.
Under a short-term insurance plan, your spouse and other eligible dependents may also be covered. However, one important caveat of a short-term insurance plan is that in some cases, pre-existing conditions can disqualify you from coverage. The definition of a pre-existing condition varies depending on the state you live in, but it is usually defined as something you have been diagnosed with or received treatment for within the last two to five years.
Catastrophic health insurance is a type of insurance plan that is typically only available to adults ages 30 or younger. In order to qualify for catastrophic coverage, you must receive a hardship exemption from the government. Catastrophic health insurance typically has lower premiums than other health insurance plans.
These types of plans are intended for people who cannot afford to spend very much money every month on insurance premiums but who don't want to be without insurance in the event of a catastrophic accident. While catastrophic health insurance plans may have low monthly premiums, they typically have the highest possible deductibles.
Once you've decided on the type of plan that is best for you, you'll need to determine how much you can afford to pay as a deductible. Remember, a deductible is the defined amount you pay for covered healthcare services before your insurance plan starts to pay. What can you afford to pay in out-of-pocket medical expenses each year? With most health insurance plans, the higher your deductible is, the lower your monthly premium will be. If your monthly cash flow is low, you might have to opt for a higher deductible.
Another key consideration when selecting an insurance plan is the plan's out-of-pocket maximum. After you've spent this amount on deductibles and medical services through co-payments and co-insurance, your health plan will pay the entire cost of covered benefits.
While many people are scared by the prospect of purchasing their own insurance, versus enrolling in an employer-sponsored plan, some studies have shown that it can end up being more affordable at times than employer-sponsored plans.
For example, a study from the Kaiser Family Foundation found that the average monthly premium for an employer-sponsored insurance plan for individual coverage in 2019 was $603. It was $1,725 for family coverage. 7
Conversely, according to the Kaiser Family Foundation, if you were to purchase your own insurance outside of an employer-sponsored plan, the average cost of individual health insurance was $440. For families, the average monthly premium was $1,168. 8
In addition, if you end up purchasing coverage through the Health Insurance Marketplace, you may qualify for a Cost-Sharing Reduction subsidy and Advanced Premium Tax Credits. These can lower the amount you pay for premiums, as well as lowering your deductible, and any co-payments and co-insurance you are responsible for.
You have several options when it comes to buying private health insurance.
If you are (or are soon to be) retired, you can begin on the website for Medicare . It is recommended that you see what the standard Medicare plan covers and then look at options for ways to supplement Medicare through Medigap and Medicare Advantage policies. When considering Medigap or Medicare Advantage coverage , it’s important to understand how both work types of coverage work in conjunction with standard Medicare coverage.
As a result of the Affordable Care Act (ACA), the Health Insurance Marketplace was created in 2014. You can visit the Health Insurance Marketplace website to find out more about the options for health insurance coverage that your state offers. You can also determine if you qualify for any cost-saving measures and how to apply.
The Health Insurance Marketplace has a specific open enrollment period. Typically, it is between November 1 and December 15 of a given year, although certain events may lead to the open enrollment period being extended or reopened.
On Jan. 28, President Joe Biden signed an executive order to implement a “Special Enrollment Period”, reopening the federal insurance marketplace ( healthcare.gov ), between February 15 and May 15. 9
The website also includes information about private plans that are available for purchase outside of the Marketplace. However, if you purchase a plan outside the ACA's Marketplace, whether during open enrollment or not, you will not be eligible for any subsidies available under the ACA.
Under certain circumstances, an individual may be eligible to purchase a healthcare plan through the exchange even if it is outside of the specified open enrollment period. This is called a "Special Enrollment Period." You may be eligible for a Special Enrollment Period if you experience a household change, including getting married or divorced, having (or adopting) a child, a death in your family, moving, losing your health insurance, being in a national catastrophe, or experiencing a disability. 10
You can also visit the websites of major health insurance companies in your geographic region and browse available options based on the type of coverage you prefer and the deductible you can afford to pay. The types of plans available and the premiums will vary based on the state you live in. It's important to note that the plan price quoted on the website is the lowest available price for that plan and assumes that you are in excellent health. You won't know what you'll really pay per month until you apply and provide the insurance company with your medical history.
Pricing and the type of coverage can also vary significantly based on the health insurance company. Because of this, it can be difficult to truly compare the plans to determine which company has the best combination of rates and coverage. It can be a good idea to identify which plans offer the most of the features that you require and are within your price range, and then to read consumer reviews of those plans.
If you're choosing a family plan or you are an employer who is choosing a plan that you'll provide to your employees, you'll also want to consider the needs of others who will be covered under the plan.
Health insurance plans offer a variety of different features. While it may be hard to find a plan that offers everything you desire, consider which of the following features are the most medically and financially necessary. Here are some questions to consider when you are researching plans:
Getting your own health insurance policy may not be as easy as getting signed up with an employer's plan. However, once you figure out what you need and become familiar with the terminology used to describe health insurance plans, your research may become easier. With the number of options available, you can probably find a plan that meets your needs—and your budget.
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