Health Care Insurance
|Date Added: November 09, 2009 05:17:07 PM|
Though I have great health care insurance through my husband’s employer, we are having a hard time finding some for our daughter. Because she is not legally our daughter yet, she’s not allowed to be on our insurance policy. We are planning to adopt her in the near future, but until then, all of her medical expenses must come out of my pocket. I just heard a wonderful idea from our current president about how to help defer some of the cost of health care Insurance. I hope this initiative makes it through it becomes law, however I am weary as I am sure there are some hidden drawbacks involved.
This initiative about health care insurance offers a tax deduction for those who have pay for their own health insurance, or for those who have to contribute to what their employer pays. There will be a standard deduction for single or family when it comes time to file your taxes. If this initiative were law this year, I would be getting a refund on my taxes instead of having to pay in. However, even if it’s not available yet, I hope I have it to look forward to the next year. Every little bit helps of course.
It is getting more and more expensive to have health care insurance for your family. The insurance we get to my husband’s employer used to be completely free. Now there’s a small amount taken out of each of his paychecks in order to pay the difference. Over the course of a year this really adds up. This is becoming more and more common around the country. Even though most of the costs of our health care insurance are provided by our employer, it has become so expensive that they can no longer shoulder the costs all on their own. I am grateful that we have it, and I am grateful that what we must pay is a relatively small amount. I realize that there are many others who do not have this luxury.
Many states have programs for health care insurance if you cannot afford on your own. You may not be able to get health care insurance for your entire family this way, but at the very least, you may be able to get sure children covered. This is perhaps the most important issue when it comes to health care insurance, and if this type of program is available in your state you should take advantage of it. Though we all hope that our children will remain healthy, it is always good to be prepared in case the worst might happen. The cost of one serious illnesses enough to break the average American family.
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