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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.
Basic Health Insurance is no longer offered by Markel Insurance Company.
Pleasesee the state by state listings at Freedom Benefits for other options.
Opinions expressed are the solely those of the author and do not represent the position of any other person, company or entity mentioned in the article. 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. Tony Novak operates as an independent adviser under the trademarks “Freedom Benefits“, “OnlineAdviser” and “OnlineNavigator” but 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. He has no financial position in any stocks mentioned. Novak does work as an accountant, agent, adviser, writer, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to other companies including the companies listed in the articles on this web site.