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Get Your Health Insurance Quotes Now: Health Insurance Rates to Rise in 2010 Posted: November 20th, 2009

By Kelly Richardson

Kelly C. Richardson, MEd is a freelance writer with over 15 years of experience and a digital entrepreneur. He's written for Fortune 500 companies, Google, Yahoo!, Microsoft and Wells Fargo.

Health insurance rates are on the rise again due to a variety of factors. Don't be surprised when the free health insurance quotes you're evaluating at the end of this year come back more expensive than you anticipate.

Higher Premiums Coming to 2010's Health Insurance Quotes

The future of your health insurance costs is looking murky at best. According to Eric Reinhardt, writer for Insurance News Net, experts are predicting health insurance quotes to be an average of 13 percent higher, while some small businesses anticipate premium increases of more than 20 percent. Here's why, and where to look for a better deal.

No Cheap Medical Insurance in Sight?

Health insurance costs are analyzed and set based on a complex formula that consists of market conditions, past performance and other key components. Each insurance carrier conducts these strategic pricing sessions annually, setting premiums prices individually based on the formula. An Associated Press report offers several reasons why your premiums may increase next year.

  • More Frequent Use. Employees in fear of job loss use more benefits towards the year's end
  • Rising Unemployment. Fewer jobs mean that fewer workers must shoulder the burden of total cost
  • Businesses Pass the Buck. Higher costs are typically passed from the business to the employee

The combination of frozen or reduced salaries and rising premiums could spell disaster for the families who are only just able to afford coverage. Not surprisingly, consumers are responding in-kind by researching free options.

Free Health Insurance Quotes See Increase, As Well

In response to the rising costs, federal insurance aid entities and non-profit organizations are seeing a massive increase in applications for free health insurance. Consumers who are unable to meet the premium increases--particularly workers with children--are investigating sources of free coverage that may exist. Requests for free children's healthcare is at an all-time high as state care organizations prepare to process free health insurance quotes at an unprecedented rate. Consumers who fit certain at-risk categories or income levels may qualify for assistance. For your own free health insurance assessment, visit your state-sponsored department on the Web for immediate consideration.

Kelly Richardson
Kelly C. Richardson, MEd is a freelance writer and blogger for traditional and holistic healthcare. He's written content for Scientific Compliance, CareResource and Ascot Diagnostic Services.