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Individual Health Insurance Arizona Question & Answers

2013 September 21
by Sarah Fields

Helen asks…

Is there any reasonable rates for individual health insurance>?

Since we are Katrina victims and have lost jobs along with insurance we are on our own to search for health insurance. This, I am finding out is so very expensive. Any one know of health insurance that is resonable?

Sarah Fields answers:

If you are in Colorado or Arizona, I can help you find what you’re looking for.

Lisa asks…

Now that Oklahoma has outlawed the new health care mandate, how many states have so far?

Did Arizona outlaw it yet too? There are a few others.
Wrong. Laws that have not been challenged by the Supreme Court are only 2/3 finished. We have seen the Supreme court nullify many laws partly or in full lately. It will take a long time to decide on this one. State laws against mandatory insurance will stand unless overturned. The health care bill was so complex it could take a very long time.
Buying the insurance is not a Federal law, it is an unfunded mandate on the states. The states refuse to cooperate.
Oklahoma has a lot of Indian reservations getting Federal money. Big deal. Has nothing to do with this.

Sarah Fields answers:

Oh boy. If states did outlaw the mandate this will open up a huge states’ rights fight.

This goes much deeper than states’ rights, though. This is about individual rights. I should not be forced by any government to buy any thing, especially health insurance if I am healthy and do not need it.

Nancy asks…

What is the best Insurance company to use for an individual self employed policy in Arizona?

I have contacted several but they all seem to be a bunch of BS artists who rip the competition apart while trying to hard sell their own policies. Does anybody out there have a positive review of any of them or a negative revie of any of them. Thank you for your help.

Sarah Fields answers:

My suggestion is DON’T GET ONE. Insurance, for the most part, is a rip off. Especially if you are looking for health and dental insurance as self employed business person or a sole-proprietor. If you ever do use the money from an insurance company, you end up paying what you get in a couple of month’s premiums.

Instead, use the money to invest it in a IRA or other high interest account. If you ever do get hurt and go to the hospital, you would be able to use that money to pay for the bills, which, for the most part, would be a little higher than the deductible!

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