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District of Columbia Health Insurance

For residents in the District of Columbia, health insurance coverage is an important issue that needs to be understood and evaluated.  When you are getting Washington DC health insurance you should make sure that you consider all of the important factors involved in getting the best possible insurance coverage.  When it comes to your health in the District of Columbia, your DC health insurance policy should provide you with everything you need at a price you can afford.

Statistics On District Of
Columbia Health Insurance

Health insurance research by the US Census Bureau showed that from 2004 to 2005 the District of Columbia had an increase in the number of uninsured people.  However, this may just be due to people not securing insurance because from 2003 to 2005 the District of Columbia was ranked 20th in the United States for the lowest insurance premiums.

In fact, the District of Columbia, during this period, had medical insurance premiums that averaged 15.7% lower than the national average.  This goes to show that DC health insurance is more affordable than most.

Types Of District Of Columbia
Health Insurance Plans

There are a few different types of DC medical insurance plans.  You should choose the type that works best for your needs.

  1. Basic Coverage: This typically includes doctor’s visits, preventative care and other general health care coverage. 

  2. Hospitalization: This is coverage that pays for hospital stays, including operations and surgical procedures.

  3. Prescription Coverage: This covers prescriptions and may be included in basic coverage.

Other types of DC medical insurance coverage are classified by how you pay for it.

  1. Premium: With premium plans you pay a monthly fee each month for your insurance coverage.

  2. Annual: Annual plans require you pay up front for the coverage.  This can be one fee for a year’s coverage or you may have an option of semi-annual payments where you pay a lump sum every six months.

Find Cheap District Of
Columbia Health Insurance

Saving money on DC health insurance is not as difficult as it may seem.  You actually have a few options that will allow you to make your costs lower. 

You can choose higher co-pays or higher deductibles to help you lower your premium.  You need to choose carefully, though, based upon your particular health insurance needs. 
Consider how much you use your health insurance and which option would be the most cost effective for you. 

Co-pays are what you pay at each visit.  If you do not go to the doctor a lot then choosing higher co-pays may be the best option for you.  A deductible is the amount of money spent on your health care that you have to reach before your insurance pays anything.  If you go the doctor a lot then you may want to go with a lower deductible might be best.

District Of Columbia Individual
Health Insurance

Everything else being equal, a DC individual health insurance plan will be cheaper than a DC group health insurance plan. The only catch is that one must be somewhat healthy in order to be approved onto an individual health insurance plan in DC. Many individuals, families, and the self employed who are looking for a cheap health insurance plan in the District of Columbia are now turning to individual health plans with high deductible (such as those designed to be paired with a Health Savings Account) in order to find affordable healthcare in DC.

District Of Columbia Health
Insurance: COBRA And HIPAA

The COBRA and HIPAA laws are designed to protect residents of DC who are looking for health insurance by putting safeguards in place to keep its residents insured. If you have difficulty finding adequate health insurance coverage then be sure and ask your DC health insurance agent or the District of Columbia Department of Insurance about the specific eligibility criteria for DC COBRA health insurance plans and DC HIPAA health insurance plans.

Shopping Around To Find The
Best DC Health Insurance Plan

Shopping around for the best DC health insurance coverage is the best way to get the most affordable policy with the best coverage.  You have to shop around and see what different companies offer.  You will find that you have a lot of different options and you should be able to easily find the policy that works for your needs.

Here are some things to consider:

  1. How often you visit the doctor or receive health care.

  2. How much you can afford to pay out of pocket.

  3. What coverage you will need, including optional coverage.

You want to look at different companies, but also look at different coverage options that each company offers.  Do not limit yourself to one certain type of coverage until you see the options.  Then you can start getting quotes.

District Of Columbia Online
Health Insurance Quotes

The only way to really get a good idea of what your DC health insurance costs are going to be is to get some quotes.  You want to get quotes from a variety of companies.  You also want to check out different types of policies.

It is easy to shop around for District of Columbia health insurance when you can get quotes quickly and with little effort by using our quote tool above. Compare DC health insurance quotes from top insurance companies side by side.

Get started finding DC health insurance now!