Universal Health Insurance

TA | January 1, 2010

The trend toward universal health insurance that accepts all applicants is gaining momentum and MedSave.com is pleased to provide enrollment support to the growing number of health insurance plans available on a universal basis to all applicants. While there are still significant obstacles for some with regard to state laws and affordability of coverage, it is important to acknowledge the progress that the large majority of Americans are now eligible for a growing number of health insurance plans regardless  of their age, sex, race, health history, citizenship, or employment status.

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This simplified explanation of the terms used in the context of the health plans described in this article is designed to help the search and selection process for best-suited health insurance.

Universal - available to all applicants regardless of health history or other personal or demographic considerations.

Affordable - defined as an insurance that is priced at less that 10% of gross household income. This arbitrary determination is assumed for comparison and discussion purposes only.

Covered expenses - Major medical insurance policies cover doctors office visits, lab expenses, hospital charges and similar ordinary and necessary medical expenses.

Discount plan - This is not insurance but rather a pre-arranged discount pricing agreement between medical service providers and the health plan administrators.

Single payer system - a government-based health care system that handles all insurance plans and claims; as opposed to the multi-payer system used in the United States. Sometimes the terms "universal health insurance" and "single payer system" are interchanged as equivalents but they are really entirely different concepts.

Pre-emption - health insurance is governed by the laws of each individual state. A few federal laws also govern health insurance. When state and federal laws conflict, federal law overrides state law.

Comprehensive - covers all conceivable health costs. Universal health insurance plans, including the state-sponsored plans are not comprehensive coverage.

Limited benefit - maximum benefits are defined as a dollar amount.

Managed care - benefits are defined by a third party considering the cost of treatment in comparison to the expected outcome.

Supplemental health insurance - can be combined with other insurance to pay overlapping benefits. At this time, all universal health insurance is supplemental insurance.


Age - Universal health plans are available at all ages up until the age of Medicare eligibility.

Sex - Universal health insurance is equally available to males and females.

Race, Language and Citizenship - Universal health insurance plans are equally available to United States residents regardless of race, language or citizenship. At this time enrollment support and most member services are available only in English. Keep in mind that all health insurance companies in the United States require a social security number (SSN) or taxpayer identification number (TIN) for enrollment and claims payments. In some cases it is possible to enroll without verification of the SSN or TIN but benefit payments would be delayed until the number could be verified.

Employment Status - Universal health insurance is available to those who are employed and those who are not employed. The plan may be purchased by the employer or directly by the individual. Universal health insurance may be included as part of an employee benefit plan, particularly Section 125 flexible benefit plans, health reimbursement arrangements, . Individuals who have lost their employer-provided health benefits may be eligible to pay for universal health insurance with funds from their health savings accounts (HSA) or individual retirement accounts (IRA) without losing tax benefits.

Residence - Some state laws prohibit still universal health insurance plans. Over time we expect to see an increasing number of universal health plans available in more states. At this point, no single universal health insurance plan is available in all of the states.

Current Choices

All of the currently available universal health insurance options are limited benefit insurance rather than major medical insurance. The universal health insurance choices are growing, so the best source is the individual state listing pages at MedSave.com for the latest updates. Look for the symbol of the gold star and the word "universal" in gold highlight. The list below includes the low cost universal health insurance choices listed at MedSave.com and then a link to other universal health plans in each state.

Core Health Insurance - the most broad benefits are offered by Core Health Insurance. A "Review of Core Health Insurance" is available at MedSave.com with detailed information.

Basic Health Insurance - The most popular choice in universal health insurance is Basic Health Insurance. This low cost limited benefit insurance is the most affordable of all of the universal health insurance plans but offers the lowest level of benefits.

Value Benefits - Value Med and Value Emergency Room (ER) Insurance are supplemental policies available to everyone. Value ER does not offer online enrollment but are available by downloading an application onto paper and mailing it with the first premium payment. Value ER covers emergency room expenses is available in all states except Alaska, New York, Oregon and South Dakota. Value Med is available online to help cover the cost of doctors visits and other outpatient costs.

??? A new universal health insurance will be introduced next week. Look at this page again after a week to see more details.

High Risk Health Insurance - See the High Risk Health Insurance page for links to other state-sponsored open enrollment health insurance plans. These do not fall under the description "affordable health insurance" but the links are provided for reference anyway.

PPO Discount Plans - Preferred provider organization (PPO) discount plans are not insurance but are included here because they offer medical care pricing discounts to everyone on a universal basis. See the Competitor Rx Discount Drug Card and the Careington discount plans at ehealthdiscountplan.com that are available to everyone in every state and at every age. Since many universal health insurance plans do not include prescription drug coverage, a PPO discount plan can be a valuable add-on to help save money. Since the price you pay and the benefit is not know in advance, all of the reputable discount plan sponsors offer a no-obligation 30 day money-back trial period to let you evaluate the plan.

Enrollment Support

OnlineAdviser provides free independent e-mail support for questions and enrollment in all universal health insurance plans, regardless of their availability on MedSave.com. We are committed to the expansion of universal health insurance and want to do what we can to help users find the best available coverage. Unfortunately we know that the few who need the best universal health insurance coverage the most due to substantial ongoing medical issues will continue to have difficulties with their treatment regardless of their insurance coverage. As a result, we must clarify in advance that we are unable to provide support with issued insurance coverage and we no not have access to private information or insurance company records.



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