California Health Insurance Quotes and Blog

www.MattsInsurance4CA.com the #1full service California Health Insurance web site is proud to sponser the Ventura County Derby Darlin at the Battle for the Coast to be held at the Ventura County Fair grounds. There will be live bands, car & bike show, beer, food, and of course gorgeous and killer roller derby girls.

Get a quote and apply online now!
Find Cheap Health Insurance Rates

Get a quote and apply online now!
Find Affordible Health Insurance

Health Savings Accounts (HSAs) enable consumers to make wise financial decisions without taking a hit to the quality or efficiency of their medical care.  How can you use this program to ensure your family’s medical and financial security?

It’s not just California insurance customers—all insurance consumers are constantly seeking ways to lower their insurance costs.  The rub is this:  with lower premiums come higher out-of-pocket deductibles and co-pays.  Many California insurance consumers opt to stick it out with higher premiums, choosing convenience over financial wisdom.

One of the positive developments of the past decade has been a vehicle designed to assist Americans in their quest for medical self-management and lower insurance prices. Health Savings Accounts (HSAs) are a relatively new development in the California health insurance market, allowing consumers to accumulate tax-free savings toward the resolution of future medical problems.  These plans link a cheaper -  low monthly premium, high-deductible insurance plan to a tax-free health savings account, which is directed by the account owner, rather than an insurance bureaucrat in an office miles away.  Over three million Americans are already taking advantage of these new HSA insurance plans, happy with a choice that finally offers financial wisdom and convenience.

Each year, holders of HSAs Health Insurance plans can contribute $2900 for individuals or $5800 into a special Health Savings Account you can set up at your bank.  These contributions are completely tax-free, as are the earnings they produce.  And as long as any withdrawals are used for documented, legitimate medical expenses, they are tax-free as well.  That fact remains true even if the withdrawals are used for alternative or preventive measures that most standard health insurance policies don’t cover. 

And HSAs are employer-independent, following the policyholder from job to job and from the workforce into retirement, completely eliminating the hassle and nervousness of suffering through “probationary periods” every time a career change necessitates a difference insurance policy.

Who’s Paying for the Care and Who’s Charging for Care?

Most of the articles I read about Universal Health Care are peppered with two phrases, “Health Care” and “Health Insurance”. The two are very different yet most articles combine the two as one item. So I’d like to clear up the difference between the two so that there is no further confusion.

Let’s start by defining the two phrases with Wikipedia.
• Health care*: healthcare is the prevention, treatment, and management of illness and the preservation of mental and physical well being through the services offered by the medical, nursing, and allied health professions.

• Health Insurance*: The term health insurance is generally used to describe a form of insurance that pays for medical expenses.

Now that we know the difference between the two I want to bring in a few quotes from the latetest Health care news I’ll find on Google.

Here’s one:
Mary Shesgreen from the Daily Herald says in her article titled “Support move to universal health care” that in the U.S 18,000 people die each year from lack of access to Health Care* (Please refer to the definition above on what health care* is). Mary goes on to say that the people who pay for our medical expenses (see Health Insurance* above) are enormous parasite on the U.S. Health Care* system. Okay, please refer back to the definitions at this point. The people paying the bills, are the so called parasites? Mary has just told us that the person paying our medical bills is bad and that the  Health Care* providers who are charging the enormous amounts for HEALTH CARE* not to blame. You now, when I read this type of thinking I’m reminded of that show on MTV called My Super Sweet 16. It’s the show with the spoiled brats who want everything handed to them on daddy’s bill. I always think to myself that the spoiled little brat should make her own money and pay for her own things if she’s so unhappy. So I’d like to say to Mary, if you’re so unhappy, fire your health insurance* company and pay for your own “Health Care*”. And you can walk into any Doctors office or hospital and you’ll be accepted because after all, you’re a paying customer. Go ahead nobody’s stopping you. You can do it.

Oh, but wait. Health Care* is expensive you say. Why do think that is? Who’s the one making it expensive? Now that you fired your health insurance* company and pay you own Health Care* bills you’d think the cost would have come down and 18,000 people would still be alive. But it’s not happening is it. Well sounds to me like the parasite is still there. It must be the Health Care* Providers who are the parasites (again, see definition of Health Care* above).

Here’s the deal everybody: Health Insurance* pays for our Health Care*. Health Care* costs are going up. So to keep up with the rising cost of Health Care*, Health Insurance* premiums will go up. To combat this and stop the out of pocket expenses for the consumer of Health Care*, we need the HEALTH CARE* PROVIDERS TO STOP CHARGING SO MUCH FOR HEALTH CARE*!

But just like the spoiled brat on the My Super Sweet MTV show who is afraid to make daddy too angry when he bought us the color Lexus, we too as Health Care* consumers are afraid to tell the doctor who is about to cut into us that we feel like we’re getting ripped off. Because if we do…well I don’t want to know what might happen if I did that.

I hope that helps future Universal Health Care* article writers clarify in their writings the difference between Health Care* and Health Insurance*. And a little bit about who the parasites really are.