Helping Part Time Workers Find Affordable Health Insurance

IBD Provides Health Insurance Coverage You Can Afford

As the economy has been experiencing some difficulty, two types of trends have developed among the working people in the United States.  The first trend is the increasing number of people who are working in "nonstandard" jobs.  Nonstandard jobs may be those types of jobs raging from part-time work to temporary work or contract positions (i.e. on-call and day laborers, temporary help agency workers, salary independent contractors, contract company workers).  The second trend is the decline in access to employer-provided health insurance.  These types of part time and temporary workers are especially vulnerable when it comes to health insurance coverage since their employment status often excludes them from employer-based coverage, thereby increasing their reliance on the health insurance policies of their family members.  If they cannot get coverage under one of their family members, then these workers have to rely on public coverage or sometimes face the very real possibility of having no insurance altogether.  The agents at IBD Insurance understand how important it is to have health coverage.  IBD Agents work hand in hand with BCBSNC to find you and your family the most affordable health care plan to suit your needs.

Cheaper Health Insurance is Better Than No Health Insurance

Part time workers are often left without the option that many other employees have in terms of having some sort of employer-based health care coverage.  Not having this as an option often results in high out-of-pocket costs to those without any type of health insurance coverage.  It should, therefore, be no surprise to find that part time and temporary employees are twice (if not more) likely to be uninsured.  Back in 2006, nonstandard workers made up approximately 25 percent of the United States workforce.  Part time workers made up the majority of this percentage, followed by self-employed independent contractors and direct-hire temporary workers.  Additionally, and perhaps surprisingly, nonstandard workers are also less likely to take up employer-sponsored coverage where it is available.  While the cost of health insurance can sometimes serve as a deterrent for those seeking coverage, there are many top reasons to have health insurance.   IBD Insurance wants you to know that there are affordable options out there so that you, too, can have quality health insurance coverage.

"Solving" Future Problems With Health Insurance

While it is often assumed that individuals will be covered by health insurance under their employer's coverage, there is no requirement that employers provide health insurance to their employees.  This is a small part of what will be required to improve access to health care coverage for nonstandard workers as well as others.  Regulating employer-employee relationships so as to ensure that nonstandard workers enjoy the same rights as regular, full-time employees is not only needed but is necessary in order to strengthen the foundation of employment-based health insurance.  This would make it easier for employers to not only offer health insurance coverage but also for workers to be able to afford it.  It would also help expand alternatives to employment-based coverage. In addition to the increasing number of people without health insurance, the quality of health insurance has taken quite a significant hit as many insurance companies are now charging higher premiums, deductibles as well as copayments.  IBD Insurance understands all of the difficulties afflicting most individuals and families; and IBD Insurance agents are prepared to sit down and walk you through the various health care options that BCBSNC offers so that you and your family may have a chance at affordable, quality health insurance. Contact an agent today at 1.800.615.5980.

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• Child 6:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• Child 6:  
• MF

• Child 7:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• Child 6:  
• MF

• Child 7:  
• MF

• Child 8:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• Child 6:  
• MF

• Child 7:  
• MF

• Child 8:  
• MF

• Child 9:  
• MF

• 
                        
•  DOB
•       Sex

• Child 1:  
• MF

• Child 2:  
• MF

• Child 3:  
• MF

• Child 4:  
• MF

• Child 5:  
• MF

• Child 6:  
• MF

• Child 7:  
• MF

• Child 8:  
• MF

• Child 9:  
• MF

• Child 10:  
• MF