Availibility of Basic Health Insurance

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Availability of “Basic Health Insurance”

by Tony Novak, CPA, MBA, MT
, revised 11/16/11

Basic Health Insurance is a revolutionary type of guaranteed issue health insurance coverage to all working people regardless of medical history in approved states. This insurance has no deductibles or co-payments and benefits are paid in addition to the benefits from other health plans. Coverage is issued directly online atwww.basichealthinsurance.net for individual insurance. Group coverage is available with a mail-in application through the employer. As the name implies, this insurance provides a limited dollar benefit for specific medical procedures. The insurance is underwritten by A-rated Markel Insurance Company. Coverage is available in the following states as of January 2005.

Individual or Family Coverage is available in AL, AK, AZ, DC, DE, GA, HI, IL, IN, IA, KY, MI, MS, MO, MT, NE, ND, OK, PA, RI, SC, TN, VA, WI, WY. Approval is pending in AR, CA, CO, FL, MD, NV, NC, OR, SD, TX, UT. Group

Coverage (billed through the employer) for Groups with 2 or more eligible employees in AL, AK, AR, AZ, DC, DE, GA, HI, IL, IA, KY, MD, MI MS, MO, MT, NE, NM, NC, ND, OK, OR, PA, RI, SC, SD, TN, TX, VA, WI, WY.

Groups with 51 or more eligible employees can be issued in CO, FL, IN, MA and NV.

Basic Health Insurance is not available in any form in CT, ID, KS, LA, ME, MN, NH, NJ, NY, OH, UT, VT, WA, WV. Seewww.FreedomBenefits.net for alternatives.

Status:  obsolete

Basic Health Insurance is no longer offered by Markel Insurance Company. 

Pleasesee the state by state listings at Freedom Benefits for other options.

tonynovak.comThis Web site is independently owned and operated by Tony Novak operating under the trademarks “Freedom Benefits”, “OnlineAdviser” and “OnlineNavigator”. Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not a representative, agent, broker, producer or navigator for any securities broker dealer firm, federal or state health insurance marketplace or qualified health plan carrier and has no financial position in any stocks mentioned. Novak may act as and be compensated as an accountant, agent, adviser, writer, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to the companies listed on this site or other commercial companies and non-governmental insurance exchanges. Information is from sources believed to be reliable but cannot be guaranteed. Any accounting, business or tax advice contained in this communication, including attachments and enclosures, is not intended as a thorough, in-depth analysis of specific issues or a substitute for a formal opinion, nor is it sufficient to avoid tax-related penalties.

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