Private Health Insurance (PHI) 101
High Costs, Poor Choices, No Guarantees
In the following pages we will discuss:
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Why Comprehensive Health Insurance Matters
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Who Pays for It
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How Private Insurance Works
- Different Types of Insurance
- How You Get It
- What It Costs
- How It is Regulated
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Why Private Health Insurance Regulation Alone is Not Enough
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Why We Need A Public Health Insurance Plan Option
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PRIVATE INSURANCE 101: Understand how private insurance works
THE RULE BOOK: Find out the rules in your state
GLOSSARY: Health Insurance Terms
LATEST SCORECARD
Half of U.S. Doctors Report Insurance Restricts Medications or Treatment Decisions
Fifty-eight percent of primary care doctors in the U.S. report their patients often have difficulty paying for medications and care, and half of U.S. doctors spend substantial time dealing with restrictions insurance companies place on their patients’ care, according to the 2009 Commonwealth Fund International Health Policy Survey.
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Family Premiums for Employer-Sponsored Coverage Rose About 5%
Families saw their premiums for job-based health insurance rise to an average of $13,375 annually in 2009, with workers paying an average share of $3,515 and employers paying $9,860.
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