Baby Boomer Health Insurance

Note: If you already on Medicare, look here: Compare Medicare Health Insurance

I worked with people looking for health insurance for awhile, and I have to tell you that one of the hardest groups to find affordable health insurance quotes for where baby boomers, particularly those between 50 years old and 65 years old. This tended to be an age group that were fairly affluent and responsible, and so they were willing to pay for the security of knowing they had adequate coverage in case they got sick. Compare this to younger people in their 20s, for instance, who could usually find cheaper health insurance but assumed they were immortal and would not need it.

A lot of these middle aged people had left corporate jobs for a variety of reasons and decided to fulfill their dream of running a small business. They were smart, skilled and experienced, so the biggest stumbling block to running their business was not a lack of business savvy. It was the fact that health insurance was not accessible!

As people enter middle age, their health insurance tends to get more expensive because of age, but also because few of us get this far with a total lack of health concerns. Some potential clients were overweight, had high blood pressure, diabetes, and other controlled health issues. Insurance companies did not want to write this business, or if they did, they wanted to charge for the increased risk of claims.

Anyway, if you are looking for an individual or family health insurance policy, do not give up! You can find an insurance company who will do business with you, or you can seek help with your state’s higher risk plan. Look here: Health Insurance Over Age 50.

health insurance, seniors, baby boomers, middle age

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