Many people are aware that the state of health insurance in the United States is undergoing a dramatic change. It’s still not clear exactly how deep and long lasting the changes will be, but chances are plenty of people are going to be experiencing some changes in their health insurance coverage. Finding new health insurance can be tough, and some things can make it harder than usual to get insured. In this article you’ll learn a few of things, so you can have a better chance.

The first and most important factor is your employment status. By far, the cheapest insurance is the kind of insurance found through your employer. However with costs quickly skyrocketing, and companies scrambling to protect their bottom line, changes in employment may be inevitable for many people. This can make finding your own insurance very expensive. In order to protect against this, try and find out as much information that you can regarding your company and their future plans.

One more important factor that can drastically reduces your chances of getting insurance on your own is a pre-existing condition. It is difficult to get coverage, or the coverage you do get will cost you plenty, if you have any existing health condition. If you do have an existing condition, and are currently covered by your employer’s plan, treat your job like gold. The insurance you are getting through your work may be much more valuable than you realize.

One thing that can make it incredibly hard to find coverage on your own is if you’ve ever been denied coverage before, for any reason. This is an indication that you may be a high risk. If you do qualify, and you have been denied before, you may end up paying quite a bit for your health insurance. While there’s not much you can do if you’ve already been denied coverage, you can take preventative measures to keep it from happening again. Make sure to only use your insurance for emergencies, and for legitimate health needs.

It goes without saying that the days of one size fits all insurance are long behind us. Rates will continue to go up, it will continue to get harder to qualify, and actual benefits will continue to decrease. In order to protect yourself, you must take a proactive stance to ensure your future.

With oxford health insurance you can get the coverage you need at a price you can afford. So come on by the oxford health insurance page today.