Jerry Jones asked:


Switches from group to individual health insurance is a à „ nderung many humans is at present bersieht gegenà ¼. It knows some groà Ÿ e of differences between the two kinds of insurance and their costs. Becomes acquainted with some the fundamental differences you will help to know what expects it. & lt; br/& gt; & lt; br/& gt; & lt; strong& gt; Group of health insurance & lt; /strong& gt; & lt; br/& gt; & lt; br/& gt; Group of health insurance is by that bought employers of a health insurance company. Everyone, which in consideration können reporting in the context of the plan received. Group of health insurance is more nstiger kostengà ¼ than individual health insurance, because you have the purchasing power of the group. The insurance stà ¼ tzt itself the Prämie on a computation to be used as much insurance of the group as a whole. However, if you are to be bought the individual health insurance companies, the computation of your Prämie is not based on a group, is it fà ¼ r you only on it. Therefore individual health insurance can be so expensive. & lt; br/& gt; & lt; br/& gt; & lt; strong& gt; Individual health insurance & lt; /strong& gt; & lt; br/& gt; & lt; br/& gt; Individual health insurance is the health insurance, you buys from an insurance company on own fist, and not by an employer. They können fà ¼ r the reporting either or their and their family wählen, individual strategies are offered often less präsent than group guidelines to do. In the context individual plan, some services können such as abuse of certain materials will not à ¼ bernommen to become. & lt; br/& gt; & lt; br/& gt; A further important difference between Gruppen-und individual insurance is that with the collective insurance, which benötigt law of the insurance around all it covers, the work, fà ¼ the r the employers. With individual health insurance, enterprises are not obligated, to you a political question. This can very disturbingly fà ¼ r humans to have the conditions already existing. If you lost recently your job, it can be berraschend à ¼ to receive in order to find out that, although you did not become in the context of a group of plan, it give a warranty that you will be able, individual health insurance. & lt; br/& gt; & lt; Br/& gt; In some states health insurance companies are permitted, the Maà Ÿ took at persons with conditions question already existing, but they are with one ausschlieà Ÿ end to driver issued. That means that all services are not taken off, fà ¼ r the condition already existing. Each state has its own laws à ¼ berwachen, how is administered the individual health insurance companies. Therefore can very much from state plans to state. The Pläne können also depending upon insurance company on the other hand. Pay attention to it, around to à ¼ berprà ¼ fen, and Quotes to compare and Pläne from different enterprises, before them make a decision. & lt; br/& gt; & lt; br/& gt; & lt; strong& gt; COBRA as option & lt; /strong& gt; & lt; br/& gt; & lt; br/& gt; One of the first options, around humans, who lost their health insurance protection, is COBRA wählen. COBRA stands fà ¼ for r the company bus budget Reconciliation act and ermöglicht themselves it you, on the health of its employer insurance further fà ¼ r up to 18 months after the loss of your work. It gives however some situations, in those to coworkers wären COBRA cover in consideration, like if the enterprise less than 20 persons beschäftigt and went out of the Geschäft, or if it sank in its group the health insurance or went into bankruptcy. & lt; br/& gt; & lt; br/& gt; One of the disadvantages of COBRA is the expenditure. Under COBRA, mà ¼ you ssen the entire amount of your health insurance to pay. In the Erwägung, if you were beschäftigt, paid to your employer a part of your achievements. One jà ¼ of the ngsten developments, which will be favourable, COBRA Empfänger is that after the 1st März 2009 Empfänger become only 35% of the costs fà ¼ r the monthly Prämie and the Federal Government fà ¼ to r the remainder will pay up to nine months to pay. & lt; br/& gt; & lt; br/& gt; If you lost only recently your group of health insurance, the conversion to individual health insurance become the costs by your health insurance company to be erhöht. Under Berà ¼ cksichtigung the different kinds of insurance and like it function, you will help of preparing. If you are conditions already existing and à ¼ more ber the search for individual health insurance, examine COBRA concerned and it finds out whether it itself around an option. à œ berprà ¼ fen you also, with different health insurance companies and compare you the costs, before you make a decision. & lt; br/& gt; & lt; br/& gt;

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