Health Insurance

How to Find Affordable Health Insurance in Fresno, CA

blueshieldFinding affordable health insurance for you, your family, or your business is an important and smart way to protect your finances. The passing of the Patient Protection and Affordable Care Act caused 20 million more Americans to gain health insurance coverage. It also made the process feel much more complicated.

If you’re a business owner or individual looking to update, change, or add health insurance for yourself, your family, or your employees, you’re welcome to shortcut the process of research and comparison. Give us a call or email us to meet with one of our experience agents who can help you navigate the many options that are available.

What You Should Know About Health Insurance

Most of the informational websites you find on the internet are not official government sites. They are privately owned and are not offering “official advice.” Although most of them try to be accurate, they also have an agenda supporting their own products or their advertisers. We, too, are a private business and this site is informational only. Our agenda is out in the open: we want to provide the best services to our clients so they will remain customers for many years. Your best interests are our best interests.

As with personal car insurance and commercial auto insurance, you are now legally required to have at least basic health insurance coverage. The penalty for not having it is not quite as harsh as driving without insurance (in California, your license can be suspected for up to four years), but it still can be expensive. In 2016, the tax penalty can be as much as 2.5% of your annual household income.
But how expensive is health insurance or paying the penalty compared to the cost of not having health insurance? The cost of a hospital stay can vary widely, but plan on several thousand dollars for simpler issues and tens of thousands for heart surgery, for example. According to the CDC a little over 7% of us will spend at least one night in a hospital in a years’ time, with the average higher for much younger and older people.

Ultimately, having good coverage from affordable health insurance can not only make financial sense, it is likely to make you, your family, and your employees healthier. And quite likely to make them happier, according to a small study released in 2011. A health policy experiment in Oregon in 2008 resulted in the participants who received health care reporting themselves to be much happier. The reported less fear and worry about their health and finances. They were also more likely to take advantage of preventative care and reported themselves as experiencing better health by 25%.

Let us help make your health-care buying experience happier and “healthier,” too. Reach out to us at (559) 448-9580 or contact us with your questions here.