Affordable Health Insurance in Portland
Affordable Health Insurance in Portland
Finding and keeping affordable health insurance in Portland is one of the necessary tools to help you achieve the peace of mind that every resident deserves to have.

Accidents can happen anytime, and some injuries and health conditions are difficult to prevent, and can also be irreversible or even fatal. All these require health care treatment that in turn will likely cost you huge financial losses. Given these stark possibilities, it is important to know that you can protect yourself and your family—both in the financial and health-related aspects— through keeping health insurance. Furthermore, it is possible and easy to attain such significant protections because there are ways to purchase and pay for health insurance at wieldy costs.

Portland health insurance options
The three basic and usual options that you have in acquiring health insurance within the city are through public alternative programs or government-subsidized programs, through group health insurance as offered by your employer and other related sources, and through individual health insurance as privately purchased from the insurer. If you can afford to purchase or pay for premiums without resorting to government aid, then your two basic options are individual and group health insurance.

Signing up for group health insurance, as offered by your employer or through unions and other organizations, proves to be the most common and easiest way of obtaining affordable coverage. In determining whether you are eligible for coverage, your health status is out of the picture—they cannot deny coverage or add more charges because of this factor. The valid factors may include working on a part-time basis, or living outside the area that the plan’s service covers when it comes to HMO plans. Employer-sponsored coverage may also include family coverage to eligible employees, and most schools offer student health insurance.

Usually, premiums are not wholly shouldered by the insured person. For example, with a fully insured group health plan offered by your employers, the employer will shoulder a part of the premiums; which is why group coverage is usually deemed to be one of the easier ways of acquiring affordable health insurance in Portland. The downside is that group health insurance, in most forms, usually offers relatively limited options compared to individual health insurance. As such, group coverage usually fails to address particular coverage preferences, and can simultaneously cover services you may not actually need or want.


Individual health insurance is something that you will individually setup and privately purchase from an insurer, which explains why it is capable of offering a more comprehensive coverage compared to group health insurance. An individual policy can be purchased to cover your family, or to provide family health insurance. Furthermore, if you’re a student, you may also ask your school if it allows you to obtain student health insurance from the individual or private market.

You may not automatically be able to purchase individual health insurance, because insurance companies may base their decisions on your health status. Furthermore, these can also charge you with higher premiums, or impose policy restrictions, because of the same ground. Given such health status and risk factor-related standards, purchasing from the private or individual market can also allow you to obtain affordable health insurance in Portland, provided that you are young and healthy, among other factors that insurers consider when imposing costs.
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Affordable Health Insurance in Portland