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Health Insurance Broker Predicts Lower Health Insurance Quotes Ahead


‘There is a rocky road ahead, and I’m not talking ice cream’. It’s a rough road to a healthier America, one that has affordable health insurance for everyone.

Health insurance broker Morgan Moran believes the way is not easy; it will mean changes for companies that sell insurance, but in the long run, it will mean better health care, and lower health insurance quotes for consumers.”

Right now, members of Congress are planning to overhaul our health care system. “What kind of overhaul do they have in mind, and how will it affect you? What does that mean for America?” The health insurance specialist said, “Democrats - in both houses of Congress - want to require people to carry insurance.” If you can’t afford insurance, members believe the Government should offer health insurance subsidies to cover you.

This health insurance plan includes creating a new ‘regulated market’ known as a health insurance exchange. Moran said, “Employers who do not provide coverage might have to pay penalties or contribute to a government fund, and that’s where things begin to get rocky.”

Some people in the health insurance industry believe ‘small businesses are less likely to provide health insurance than larger businesses, following that train of thought, the little company would most likely end up paying the penalty.

Another rough patch, is how many people are going to switch over from a group health insurance plan, provided by their job, to a new health insurance plan, subsidized by the Government.

Health insurance broker, Morgan Moran said one of the proponents, “Arkansas Senator Blanche Lincoln, believes “preserving employer-sponsored insurance “needs to be a huge objective.” Moran said, Senator Kent Conrad, another Democrat from North Dakota, said Congress faced “a very complicated calculus” in devising the new health insurance requirements. He believes, “if there is not some requirement for employers, you will see a drifting of people to the insurance exchange and to government subsidies.”

The Finance Committee in Washington, is investigating “the ramifications and implications” of requiring employers to provide or pay for coverage. The office said: “The availability of subsidized coverage in the new insurance exchange would be an attractive option for many lower-income workers.”

In a letter to Congress three weeks ago, President Obama said small businesses “should be exempted” from any employer mandate. Whether Congress will go along is unclear.

A bill drafted by House Democratic leaders says, “There will be an exemption for certain small businesses,” but gives no details.
The United States Chamber of Commerce said the “proposed requirement on small businesses amounted to a new tax and would frustrate the creation of jobs.”

The president thinks otherwise. He said, “We have to have the courage and the willingness to cooperate and compromise in order to make this happen, and if we do, it’s not going to be a completely smooth ride. There’s going to be times over the next several months where we think health care is dead, it’s not going to happen. But if we keep our eye on the prize, then I’m absolutely convinced that we can get it done this time.”

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