Category: Health

Can You Help Me Get Cheaper Health Insurance?

Ian Wright asked:

Lately the price of health care has risen significantly. Because of this, the demand for less expensive health insurance plans increase everyday. Less expensive health plans are what people are looking for. However, these plans provide restricted services.

Cheaper health coverage plans involve the cost of doctors’ visit, medicines, hospital stay and other medical costs. Doctor visits and prescription costs are not covered by some health plans available. Therefore, individuals need to ensure that, they select the right policy that provides all the basic coverage.

Family health plans are a low cost health insurance program. This will cost you less than an individual’s health policy.

To receive inexpensive health insurance plans, people may have to sacrifice a few things they have always loved to do. The first step is to compare the quotes given by different insurance companies. The lowest price is often only a few clicks away via the internet.

Compared to the monthly premium option, yearly premium payments offers the best value in health coverage. Many insurers claim that monthly payment is more comfortable. However, a person has to pay more for this scheme. Under this plan, some transaction tax is needed when processing checks.

Twelve separate transactions are necessary for a schedule that allows you to pay each month. Only one check is required in an yearly payment scheme. There is only one payment per year. Certain administrative and service rates with monthly premiums increase the cost of this payment.

You never know if you are going to get a serious health condition in the years to come. Buying inexpensive health insurance is a good way to avoid potential problems in the future. Age and health of a person, are the two important factors that determine the rate of medical plans.

The selection of group health insurance is a long-term plan. It is a great choice if it is associated with an organization or club. A member of an organization gets affordable health insurance programs. A viable choice is an association or other group. Different credit card firms offer association group health insurance policies, which are of low cost.

Some consumers might prefer looking into private health insurance, if money is a particular concern. For instance, a 30 year old man living in Texas who is in good health might spend just $37 monthly for a private plan. National employees with individual coverage pay $250 more each year.

But the thing is that you require a lot of time to buy cheaper private insurance.

Check for state run programs that offer cheaper health insurance. Women and children have better odds of obtaining coverage. For example, a pregnant woman in California, who makes up to $63,000 per year, can qualify for health care through Medicare.

More people are retiring before the age of 65. It is necessary to be 65 years of age to qualify for government health insurance US Medicare. Retired people,should check with their last employer to see if it includes health insurance. Higher premiums may apply to retired people. It is less expensive than buying health insurance yourself.

Importance of Good Health Care

EMMA WANJIKU asked:

Health care is one of the most important components in your life. Disease or illness can really mean a down turn in your life. The biggest asset we can have in life therefore is health. Health care is normally defined as the management or treatment of any health problem through the services that might be offered by medical, nursing, dental or any other related service. When you talk about the care of health, you are talking of all goods and services that are produced to improve on your health. They may be curative, preventative or even palliative solutions. A system of health care is one that is organized to give health services to a population or a group of people.

Health care can be for an individual or for a large group of people depending on how the systems are organized. Importance of health care cannot be overemphasized. In society, people are worried about the kinds of systems there are, to deal with issues of health. In developed countries, their systems are designed to cater for all people; whether poor or rich. However, the systems are lacking in regard to flaws. In developing countries, people usually take care of health as an individual thing and, if you do not have enough money, you might not get access to quality care. There are so many disparities and, some systems in certain countries are becoming worse; not able to deal with demand of health. Health is not a cheap affair, you have to have a good system if you want it to work for you. Governments have the responsibility to create or formulate policies that will favor people in this regard. Good systems of health can be erected by the top most leadership of a state.

The importance of good health care can be seen in the hopes of a people who are yearning for health. To become rich or to produce something in life, you have to have that ability or strength. If you are sick, you are likely not to develop yourself in any way. Therefore health is wealth and this is the biggest lesson that we can learn today. When you are in good health, you will be a happy person and enthusiastic about the business of life. Sickly people will dread every moment of their pain and, they are not able to have joy and peace. When it comes to preventative health care like the use of vaccinations, we are going ahead of time and making sure that you are safe from future illnesses. When it comes to prevention of pregnancy as part of care for health, we are able to structure our lives an take control. However, measures such as abortions are pretty controversial.

However, those countries that have legalized abortion need to ensure that people who choose to undergo it are safe and protected. Good health care will give rise to a generation that is ready to take on the world. Diseases have a way of making the future look very deem. For example, the spread of the AIDS virus has really dealt a huge blow on this generation. Proper care is beginning to be felt in many corners of the world especially areas where it is rampant like sub Saharan Africa. Therefore, make sure that no matter whether you are and individual or a group, you prioritize on health. Investing in good care for health is investing in life.

Texas Health Insurance is Easy to Get

Bestinsurance George asked:

According to the U.S. Census Bureau, Texas leads the country in the number of people without Texas health insurance. Although nearly one in five Americans, are not insured, it is estimated that one in three Texans are uninsured. In Texas Medical Association report, “additional 5.5 million Texans – including 1.4 million children – lack health insurance”.

In a report published by the Texas Comptroller of Public Accounts, “The uninsured are a diverse group that includes people who cannot afford private health insurance, working in small businesses that do not ‘ insurance, who simply choose not to buy health insurance, even if they can afford it, who are eligible – not registered – government-sponsored programs such as in Medicaid or the Children’s Health Insurance Plan (CHIP), and recent immigrants.

The most notable omission from these reports is that it is often difficult for people to navigate the selection of Texas get health insurance. There are a multitude of choices and decisions. Do I get an individual or family coverage? Should I go with a health organization (HMO), preferred provider organization (PPO) or another type of plan? What kind of deductible should I choose?

The task to find Texas health insurance is even more daunting because, as you move from a health insurance company to another, you find that each offers a different set of options. Accordingly, it is difficult to compare apples with apples proverbial.

Most people do not realize that a full-service agency based in Texas health insurance can help every one of individuals and families to small business owners and Medicare beneficiaries understand the options that are their disposal to obtain insurance. Better still, these agencies offer their services and free support. It is because they are compensated by insurance companies, rather than the insured. Therefore, you can collect the benefits of their expertise impartial, free of charge.

Best of all, some of these agencies have implemented easy to use online systems that allow you to obtain quotes, compare Texas health insurance plans and even apply online – all from the comfort your home. In fact, you can view the plans of health insurance, life insurance, dental plans, health insurance plans and all in one place.

To obtain quotes for health insurance, for example, simply enter your details into an online form, and then provide some basic information about you and other family members you wish to insure. The system will then generate quotations from a variety of companies, which allows you to compare side by side. You can sort the results by a number of factors, including the health insurance company, plan type, deductible, co-payment, and the estimate of the premium. Once you decide which plan you prefer, you can apply online.

Every day, health insurance is a growing number of people with affordable health insurance Texas. In return, those who obtain health insurance rest easier know that their families and they are protected.

How To Get Health Insurance Coverage For A Family

Lalit Kumar asked:

A Family Health insurance offers you medical coverage and various health care benefits in case of unforeseen circumstances. The family health insurance and coverage takes into account the entire health care expenses and long-term nursing or custodial care requirements. To ensure the security of your family, it is imperative that you choose the right health insurance coverage.

Whether you are looking for family health insurance coverage or group health insurance coverage, opt for policies that provide optimum health care benefits at affordable premiums. The health care premium plays an important role while deciding on a health insurance. But always give importance to health insurance benefits and coverage.

The leading health insurance companies today offer group health insurance and family health insurance coverage with affordable premiums. With increasing heath care costs and greater awareness, people are now buying health insurance like never before. To make the most of this huge scope, the insurance companies are concocting various innovative health insurance plans, such as the floater concept and optimum tax saving plans.

The floater insurance is ideal for family’s health care needs. It covers the entire family under one insurance policy and one premium. The benefits/ coverage are shared by all the members of the family.

With so many plans in the market, it is important you choose the one that suits you the best wisely. Compare the rates and premiums at which these insurance policies are offered. Also compare the coverage and benefits included. Choose the health insurance plan that satisfies all your health care needs at the best premium. Also check for other benefits, offers or discounts available along with the health insurance plans. These may include free health check up or easy payment facilities.

Apart from affordable premiums, most of the health insurance companies offer a family health insurance plan on a cashless basis. Under cashless settlement of claims, the insurance company pays off the health care institute or hospital directly. Thus, you get the benefit of handling your finances and saving better. The insurance companies offer a range of insurance policies that differ in their extent of coverage. The premium also varies accordingly.

A basic family health insurance coverage includes costs of medical care and treatment of ailments and accidents that need hospitalization. Some insurance companies also offer critical illness coverage. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.

Individual Health Insurance Plans

Remy Vixamar asked:

In a country like the United States, if you do not want to be buried in debt; you need a good health insurance for yourself and your family. Whether you are an employee or self-employed, it is necessary that you have a good health insurance coverage to cover your medical bills. However, there is no unique health insurance plan good for every one; benefits and costs vary from an individual to another (due to age, medical condition, etc.). To make a good choice, you need to know what benefits you are looking for, and examine each plan to find the one that best responses to your needs.

Although you have many options in choosing your health insurance, finding the right plan can be difficult. In general, individual health insurance is a form of contract between you and an insurer (insurance company )to repay all or almost all of your medical bills, which may includes hospitalization, medications, dental care, seeing a specialist, and certain therapies (radiotherapy, chemotherapy, etc.).  Whatever your needs, you will most likely have to choose one of these plans, Fee-for-service, HMOs (Health Maintenance Organizations), or (PPOs) participating provider organization.

Fee-for-service – also known as indemnity plans, is a type of insurance plan where you, patient, have to pay all medical expenses out of your own pockets, and then request a reimbursement from your insurance company. These types of plans have their advantages and disadvantages.

Advantages: they offer more flexibility in choosing your own doctor. You can decide the time to see your health care provider, and what type of treatment you want; as long as you remain in the limit that your insurer will repay

Disadvantages: in indemnity plans, most doctors require upfront payment, so you have to submit claim forms to the insurance company to receive a reimbursement. That requires paper work, and sometimes many phone calls. Fee-for-service plans offer limited benefits; they do not cover annual physical exam and educational programs.

HMOs (Health Maintenance Organizations) – Health maintenance organizations (HMOs) are managed care plans that offer health care coverage to their members through hospitals, doctors, and other health care providers that are in their network. That is, having their service, you are limited to members of their network.

Advantages: unlike Fee-for-service plans, you do not have to pay up front; although some of them require a copayment. You do not need to submit forms after forms to receive reimbursement. In addition, HMOs usually charge a lower cost.

Disadvantages: you can use only health care providers who are associated with the organization. Most HMOs (Health Maintenance Organizations) tend to disapprove certain treatments. Although some HMOs accept their members to see physician or specialists who are not in their network, they often charge you additional costs.

(PPOs) participating provider organization – also known as Preferred Provider Organizations,  is a form of managed care organization of physicians , hospitals, clinics and other health care providers that sign a contract with an insurer to provide health services to its member at reduced rates .  Usually, PPOs cost more than traditional HMOs, but offer more options to their members.

Advantages: Preferred Provider Organizations provide more flexibility to their members; they have a bigger network of doctors and hospitals. You can take service from health care providers that are not part of their networks (certain charges often apply). You pay Lower copayments for care from primary care physicians. In addition, you do not need a referral to see a specialist.

Disadvantages: PPOs cost more than traditional HMOs. You will more likely to make co-payments (usually from $10 to $30) when you visit a health specialist.

Do some health insurance companies offer better service to their members than others?

Yes. Some insurers offer better service to their members. To learn more about health insurance companies that provide satisfying individual health insurance plan in the US, visit our top rated list visit careand.com, or click on the link in About Author/Resource box.

Cheaper Health Insurance in 11 Steps

Marilyn Katz asked:

very surprised, and not in a nice way, to get two notices from my own health insurance company. The first one, as expected, notified me that rates were going up again this year. The second one shocked me becaue it notified me that I had grown a year older, and was now in a more expensive age band. So I got my rates increased, not once, but twice!

I know others will be interested in knowing the top tips for saving money without losing good health coverage. Understand that all of these ideas will not work for everybody, but many people should be able to find one or two hot tips they can use to find cheaper health insurance.

I see a lot of TOP 10 lists, so I thought I would go one better by providing 11 ways to cut health insurance premiums!

– Can you raise your deductible? A health insurance deductible is the amount you must pay every year before your company starts to cover medical services. A $250 yearly deductible will cost thousands of dollars more, every year, than a $2500 yearly deductible. And of course, a $5,000 yearly deductible will be cheaper still. In fact, it may be possible to save more than the deductible difference. If you consider this option, it would be a good idea to try to set some of your savings aside in case you do run up more out of pocket medical expenses.

– Sometimes more policies cost less. Many health insurance agents urge their cliets to be creative. They mention the tactic of buying major medical along with a cheap accident and/or critical illness plan. This can reduce out of pocket expenses, but be very affordable! If your deductible is $10,000, and little Suzy breaks her arm, the ER visit can be covered by a cash payment from an accident policy. If Dad has a minor heart attack, a critical illness policy can provide cash to cover the deductible, make up for lost income, and still cost less!

– Do you really benefit from copay benefits? – Sure, you may have $40 copays, but the negotiated rate a network doctor can charge may not be that much more than that anyway. Meanwhile, you have paid 25% of your insurance premium for this benefit. If you have to pay a network negotiated rate for a $120 doctor’s office visit a couple of times a year, but that benefit costs you $1,200 a year, does that make sense? Balance your yearly deductible vs. the copay benefit to make a decision.

– Can you qualify for any government health? I know lots of families who carry individual health insurance on themselves, but use the CHIPS programs for their kids. They have a moderate income so their children qualify for the federal children’s program.

– Raise Your Deductible – The premium difference between a $500 deductible and a $2500 yearly deductible can be thousands of dollars every year. It would take months for you to save the difference.

– Consider an H.S.A – The tax advantages of a health savings account can be worth hundreds of dollars every month. In addition, you can use tax deferred dollars to pay for many medical services, including a higher deductible.

– Adopt a Healthy Lifestyle – You know that people who do not smoke and who maintain a normal weight will get discounts for health insurance.

– Raise your RX deductible – If you aren’t comfortable with raising your yearly medical deductible, consider raising your RX deductible. Some plans will let you keep the lower deductible if you buy generics anyway.

– Look for consumer driven health plans. – If you are a man or older woman, and do not have children, some state mandated benefits like early childhood care or maternity care do not make sense. Why pay for them. You can find some consumer driven health plans that make you sign a paper that you understand you are skipping these benefits that you do not need. Of course, be sure you will not need them in the near future.

– Will a part time job provide health insurance? – If you are self-employed, or work at a job that does not provide health insurance, consider working part time for a company that provides group health insurance. If one spouse could find a 20 hour a week job with an employer who provides health insurance, it may help a lot.

– Shop Around for Cheaper Health Insurance Premiums – Insurers keep coming up with new and innovative health insurance plans, and don’t assume your old company gives you the best rates. Nothing could be simpler than using an online health insurance quote form to compare rates and plans.

You know that you should be sure you have qualified for, and been accepted by, a new health plan before you cancel your old one. But people do shop around for health insurance and change in order to keep top quality medical coverage that makes sense while saving lots of money!

How to Take Health Insurance Policy

Ena Taylor asked:

It is a common fact that more and more people today don’t have any health insurance coverage. The reason behind this is that it is very expensive whereas some people think that they don’t require it because they are not suffering from any major illness. However, you are required to keep in mind that a health care plan is something that you can’t afford not to have. Health insurance will prepare you for the future in case of emergency or in any other major illness. With the aid of health insurance you will get all your expenses that you have spent in medicines and treatment.

The first thing that you need to consider is whether you are going to take group plans or individual plans. Although some people think that it is cheaper to buy a health insurance plan through an employer or via a group health care plan, there are some plan where buying individual health insurance is quite cheaper. Price of health insurance is always depends on various factors. If your company is paying high premium then you must get the health insurance at low price and it is possibly best to select this option. If you are healthy and your company is offering a health insurance policy where you are alone responsible to pay the premium then it is advisable to select individual health insurance plan.

You should not forget that group health insurance plans must cover everyone in it that includes preexisting conditions. It is given in state laws and it meant that healthy people included in health insurance plan will balance out the costs that the insurance company needs to pay for individuals with preexisting health conditions that are covered by the similar policy.

Finding cost effective health insurance plans is very simple to do. You just need to do little research for finding a perfect health insurance plan for you. There are thousands of health insurance plans available on the Internet. Internet is the perfect resource for finding a health insurance plan. Whether you are in India, UAE, US, or Australia, you ca easily find health insurance plan.

Arabian health insurance provides health insurance in UAE that befits your need and suits your budget as well. If you are looking for health insurance in UAE then consult Arabian health insurance for your insurance needs.

How to Avoid Being Denied Health Insurance Coverage For Being Overweight

Christopher Beard asked:

During the past 10 years there has been a dramatic upturn in Obesity and overweight adults in America and as you can imagine it has had a serious cost impact on the U.S. healthcare system. While many consumers who are denied health insurance coverage for being overweight or rated with a “fat tax” may feel that they are being jilted by the insurance underwriting system. Fair or not treatment for health issues associated with overweight and obese individuals does have significant reprocussions on the economy and the overall cost of healthcare.

The underwriters use a system for determining your height and weight calculations to determine acceptable ranges. The correlation of the two defines a number called the BMI or ” body mass index” and gives the underwriters an estimate of bodyfat. According to the department of human health services a BMI of 30 is considered obese and 25 to 29.9 is overweight. If your BMI is higher than 43 you will not likely qualify for traditional health insurance coverage. If your BMI is between 29-43, a health insurer may choose to offer you health insurance with a rated up premium. If you have pre-existing health issues in relation to your weight, such as diabetes, hypertension or heart disease, a health insurer may deny you coverage altogether, even if your BMI is within range. In addition to the BMI the belly fat or waist circumference is a good indicator of future health problems associated with excess weight such as type 2 diabetes and hypertension. Overweight inactive individuals with a propensity to store excess stomach fat will eventually experience insulin resistance, and or other heart health issues. When underwriters review an application and see that an applicant has a combination of these pre-existing conditions a red flag is immediately raised regarding the application. Underwriters have certain risk criteria they use when combining your BMI with other risk factors such as smoking, and the health issues previously mentioned that might be exacerbated when combined together. Certain combinations of these will result in a decline for health coverage.

Excess Weight Affect Your Health and Cost of Healthcare?

While many overweight individuals may feel they are being railroaded by the insurers, the conclusion is that between 2 and 7% of all health care cost are associated with overweight and obesity, which resulted from health issues associated with the treatment of the overweight factors such as hypertension, insulin resistance or diabetes, high cholesterol, cardiac conditions, certain forms of cancer, respiratory issues, inactivity, absenteeism from work, mortality cost, and loss of family income from premature death.

What You can Do to Obtain Approval For A Health Insurance Policy

If you believe you may be overweight and may not qualify for individual or family health coverage, you can take a few precautions prior to submitting a health application. You should find a qualified health insurance broker who offers more than one carrier’s products and is knowledgeable about some of the underwriting requirements or is able to research the best plan for you. You can complete a prescreen application which will allow the broker to communicate with underwriters the issues prior to submitting the application and improve your chances of approval and avoid a potential decline. A decline can really be detrimental to obtaining creditable coverage. You should also review the BMI tables while not all tables are the same this will give you an idea of how close or far you are from current healthy body mass index levels for your height. Lastly consider improving your health for your own benefit by starting some basic exercise like walking 30 minutes a day, educating yourself about nutritious foods, eliminating empty calories like sugar and saturated fats and creating a lifestyle that makes you feel good, makes you productive, make you look great, reverse some health problems altogether and extend your life and most of all affords you quality health insurance.

Major Component Of Female And Male Sexual Health And Good Libido

Amporn Saechin asked:

Androgens, such as testosterone, are a major component of female and male sexual health and good libido. Female sexual health can be temporarily improved using androgens such as testosterone or DHEA. You write that Viagra legitimized male sexuality not only as conversation material but as a valid health-care issue. There is, therefore, a significant issue regarding the sexual health of female partners of men who have *** with men (MSMs). This bulletin message board forum is intended to allow male sexuality discussions, men’s sexual health personal experiences, and male health issue problems. political trends on research on female sexuality with a particular focus on political attacks on sexual health research at the National Institutes of Health.

There are five major areas involved in male and female sexual health: 1. Understanding these constructions enable more effective designs for intervention strategies that enable the promotion of sexual health amongst males who have *** with males. For effective sexual health promotion amongst males who have *** with males, both these connected issues must be appropriately and adequately addressed. There are specialists who deal with urology and oncology, as well as other areas of male sexual healthcare. Consequently, health care practitioners comment that they only learn about their male patient’s sexual health problems when the condition is severe. Exercise and weight loss may improve male sexual health in obese men, researchers in Italy report. Our project approach to male involvement in reproductive health in India is based in culturally defined male sexual health problems.

Female sexual health problems have to studied using a natural approach from many different areas. Impotence or erectile dysfunction is a quite common male sexual health disorder afflicting around 10 to 30 percent of the total male population. The authors bring together the two critical areas of expertise medical and psychological explain healthy male sexual function and the problem of sexual dysfunction. PenisPillsInfo.com Male enhancement advice and information, sexual health and performance and top pill brand information. Sex-Boost is a ‘by-prescription-only’ pill designed to enhance male sexual health by enabling men to achieve an ********. The female sexual health function is a complex interaction of hormonal events and psychosocial relationships. Work on male fertility and potency have also made the UW a national leader in advancing men’s sexual health.

McCullough is a specialist in male sexual health and fertility. A report examining and summarizing the symposium held in Oaxaca, Mexico, on male partcipation in sexual and reproductive health. Since Sex-Boost’s invention the subject of male sexual health has become common in newspapers, on the television and also over the Internet. It also combats male pattern boldness and contributes to a man’s overall sexual health regimen. The program was set up as the women’s movement raised awareness about reproductive health and female sexuality. A manmade ingredient of many plastics, cosmetics and other consumer products may be interfering with male sexual health and prenatal male sexual development.

Talk with your physician or other female sexual health professional to find a good *** therapist in your area that could help you. Although trials are underway with drugs to help eliminate female sexual health problems, the current feedback is not promising. There are a lot of male nurses working in sexual health. body – sexual health Female Infertility Finding out she’s pregnant can be one of the most joyous moments in a woman’s life. I did an online search for a male sexual health supplement, and there are hundreds of them. A urologist specializes in male sexual health problems. During a recent interview, Spark discussed his version of the Clinton legacy, shifting attitudes about male sexual health and alternatives to Viagra. Synopsis: A groundbreaking comprehensive guide to male health and sexuality.

If you are male and have a sexual health concern, you can address it with your regular doctor. Blood tests are often employed in female sexual health conditions to check various hormone levels. Use regularly to promote general health and overall female sexual functioning. Ovantra is the best product for womens sexual health and it has been referred to as the Female Viagra! General women’s health issues play an important part in a woman’s overall sexual wellness. Healthy female *** organs are less susceptible to infection. Victim to abuser: Mental health and behavioral sequels of child sexual abuse in a community survey of young adult males. Thanda is a powerful tonic for female sexual health, containing a range of specially selected remedies from Africa and the Orient.

Etic and emic categories in male sexual health: a case study from Orissa. As a result, sexual health services often ignores the possibility of STD/HIV transmission resulting from such a sexual practice both for males and females. Oriental (Panax) ginseng – supports physical stamina and has long been used to support male sexual health. Training of police staff and the judiciary on issues regarding males who have *** with males and sexual health concerns. http://www.man-sexual-health.com/

Affordable Group Health Insurance Turns Out To Be the Best Choice for Employers

Ronnie Hamilton asked:

Traditionally many companies offered group health insurance to their employees, but with the recent economy downswing many companies have had to either cut their group health insurance all together or are being forced to switch plans to a more affordable group health insurance rate. The reason why they are doing this is because for many of these employers the group health insurance rates can cost the company a lot of money and now these companies are looking for ways to cut expenses and one of the ways is by changing to more affordable group health insurance companies or even worse, cutting the group health insurance all together. There are many families across the country where the entire family is dependant on the group health insurance that is offered to one parent who works at a company where the group health insurance is offered. In companies where the group health insurance is completely cut out of the budget there is a good likelihood that many of the employees may have to look elsewhere for work because they cannot pay the expensive rates of individual or family health insurance.

Any size company can normally find affordable group health insurance rates before they cut their group health insurance. One of the best ways to go about finding affordable group health insurance rates is by looking online. Many people overlook this way of looking for affordable group health insurance because most of them already have a deal with an insurance company and tend to overlook other companies that may be less expensive. If you just go into a major search engine page like Google and type in the keyword “affordable group health insurance” you likely will be able to find some great options for your company after filling out some paperwork on things that the company may need to know such as the company, and the number of employees in the company.

One of the best things about group health insurance is that personal factors that may normally injure a company’s chances of getting insurance may not be applicable when a company is looking of Affordable Group Health Insurance. This is because instead of considering each person individually the entire group is looked at as a pool, this pool has an average age, sex, and risk factor. This means that the people who normally would be considered high risk are balanced out by the people who are low risk, this is one of the reasons why group health insurance tends to be much less expensive than individual insurance, so instead of considering canceling group health insurance it may be much more beneficial for a company to search online for affordable group health insurance. This will not only help employees, but it will also help the company keep employees happy, happy employees means better work!