Many people are finding that their rates have gone up 20% already, even before the Patient Protection Act goes into effect in 2014. Many employers are no longer going to offer health insurance or are reducing the amount they are paying toward this benefit. No one know how the Supreme Court will rule on the law at the end of this year or who the next President will be or what changes the new Congress will make to the law. What we do know for sure is that change is coming, whether we like it or not.
The good news is that we don’t just have to sit there like a deer in headlights. More and more people are realizing that Consumer Directed Health Care is the solution that is already the law of the land. Folks can get the tax benefits that traditional group health insurance has long enjoyed. They can have insurance that they own that is not tied to their jobs; and once a policy is issued the rates will not go up because they submit claims, even big claims or develop health issues. All the major carriers like Aetna, Humana, Blue Cross Blue Shield and United Health Care offer these plans, so sit down with an independent agent and find the company and the plan that is right for you. Then other people can worry about the uncertain future, while you know that your family is protected with a plan that is a keeper.