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Insurance Affordable Health Care Major Medical Plans

With the cost of providing a professional medical service to American families rising, it is not surprising that many people are looking for an affordable health care provider. Workers are being hit hard by employers anxious to save money on their premiums by reducing cover or passing on the rises in cost. I know this because I am one of those workers; I have a great job and prior to 2006, I also had an amazingly wonderful health care plan. This was a shock to everyone; being told that the health care provider was going to be replaced because the cost was too great.

They said it was necessary if all their employees were to have the same level of health care. Although I am just as well looked after with this new policy, I am not entirely convinced. I don not mind other workers benefiting but it costs me more now, almost twice as much more to have my family covered in the plan. Other than a few exceptions, everyone else seems to benefit from this new arrangement but because I have not had a raise but I am taking a great deal less home so my family can have health cover.

I liked the previous company and so far I am not as impressed with the new one although the health care plan does not seem that bad. To my mind the whole point of providing this new affordable health care scheme was a cost cutting exercise for the company which just meant greater expense for some of their employees. You see, four years ago, I gave birth to a little girl and of course my old insurance paid for the whole of my hospital stay. This new plan, under similar circumstances however, would personally cost me in excess of 5,000 dollars.

There are also the co-pays to consider, another cost in addition to the hospital fees I would have to pay. We are now seeing an increasing number of companies creating affordable health care plans. Those less fortunate can now get free health care more readily and workers without health care are able to join special schemes. I applaud the set up of these programs but not enough is done to stop those that wish to take advantage and ruin it for others.

Those less well off are in need of these affordable health care schemes but they are also used by those who are intent on living of the state and do not actually contribute to society. We all have a responsibility to help those less fortunate but those who abuse the system put extra financial pressure on the rest of us. By switching providers, it was my company that realized the true advantages of this low cost option and a number of employees. Many of the workers found themselves subsidizing the companys desire to save money yet still provide a scheme by ensuring that they paid in their paychecks. Something needs to be done in this country to offset rising costs and provide more affordable health care to those who are in need.

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