What's better--individual health insurance or a co-op group pay plan (i.e. Samaritan)?
Hello, Thank you for the question. Better is, of course, very subjective. The bottom line are your needs. One main advantage of a co-op group plan is the possibility of acceptance with more limited health questions. So, if you have preexisting health conditions then the group plan may be best. Another advantage of this plan is cost. Group plans tend to price lower than individual plans.
As far as the individual plan is concern, the main advantages we can see are flexibility and portability. Flexibility allows you to customize the plan to your needs (deductible, co-pays...) Portability would allow you to move the plan as you wished.
I hope this helps.
Hello. Based on my 31years in the health care business, an individual plan is clearly the better option. Benefits are richer, the Network is larger and in the event of a catastrophic or ongoing major medical treatment, you will be better protected.
A group co-op depends on a constant stream of subscribers and moderate medical expense usage. If that stops, members are in trouble.
Of course, if you are uninsurable and your state risk pool insurance rate is high, give the co-op a try, if you can qualify.
by StricktlyDating 6 years ago
I phone or Android. What's better and why?
by starme77 8 years ago
which one do you prefer?
by Carolee Samuda 6 years ago
I am not too keen on Wordpress. It looks pretty and clen but the advertising options are limited. I use blogger because it's easier to use and gives me freedom with Adsense, but I really hate the limited templates. I am thinking of going domain and website for my recipes. What are your thoughts?...
by Chloe Lamela 7 years ago
What's better for u pears or bananas???? And why??
by Chloe Lamela 7 years ago
What's better a taco or burrito???And Why??
by smithed 3 years ago
What's better: Focus on one area of interest or write on a bunch of different topics?
Copyright © 2018 HubPages Inc. and respective owners. Other product and company names shown may be trademarks of their respective owners. HubPages® is a registered Service Mark of HubPages, Inc. HubPages and Hubbers (authors) may earn revenue on this page based on affiliate relationships and advertisements with partners including Amazon, Google, and others.
|HubPages Device ID||This is used to identify particular browsers or devices when the access the service, and is used for security reasons.|
|Login||This is necessary to sign in to the HubPages Service.|
|HubPages Traffic Pixel||This is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.|
|Remarketing Pixels||We may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.|
|Conversion Tracking Pixels||We may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.|