No Health Insurance? Know The Risks

Risks of Being UninsuredThe Risks You Take by Being Uninsured

If you do not have health insurance, you should understand the risks and the costs associated with being uninsured.

Financial
Medical bills can be exorbitant if you have a serious accident or illness. These bills would be unmanageable without any sort of health insurance. You will also face a tax penalty which could be as much as 2.5% of your yearly earnings.

Health
It goes without saying that being uninsured will put your health at risk. You will have less access to effective preventative care, as well as limited choices of treatment should you fall ill or injured.

Relationships
If you support your loved ones financially, they will suffer if you fall ill and have health care bills to pay. They will also suffer financially if they help you with medical bills. Even worse, if your health declines because you cannot get care due to being uninsured, they will see you get weaker and deteriorate.

Society
If you contribute to society by raising children, volunteering, neighborhood watching, and supporting friends and family emotionally, and you fall ill, most likely you will not be able to continue positive reinforcements. Also, if you become disabled because you don’t have access to health care, not only does society pay your disability payments, but it loses out on your future productive contributions.

At Miller Insurance Associates, we provide the most affordable policies for you, explain your choices, and help you to make a decision that’s best for you and your family. Schedule a free consultation to discuss your options today!

Carlisle, PA: One Of The Best Small Towns In The US!

The Best Small Towns In The US Include Carlisle, PA

Carlisle locals know that this is a great place to live. According to livability.com, there is statistical evidence to that sentiment. In fact, Carlisle ranked in the top 20 best small towns in the entire country!

Topping the list of Pennsylvania towns, Carlisle came in as the 16th best small town in the entire country. This survey of small towns evaluated areas based on real estate, health care, social capital, and demographic. It found that our town is a great setting for families and offers notable agricultural opportunities.

Carlisle’s great educational infrastructure—including Dickinson College, Dickinson Law, the US Army War College, and Carlisle Area School District—and numerous beautiful public parks helped it secure its top-twenty ranking. When paired with the Carlisle Regional Medical Center, standout restaurants, and cultural attractions, it is no surprise that Carlisle was named so high on the list.

You can see the full list of top small towns here.

While Carlisle is a wonderful place to live, you still need to have insurance coverage to protect you against all of life’s what-ifs. To get the right Pennsylvania policies, contact Miller Insurance Associates, conveniently located right here in Carlisle.

The Latest About Health Insurance Coverage

Health Insurance Carlisle PAWhat You Need To Know About Health Care This Year

As of January 21st, 2015 422,284 Pennsylvania residents had signed up for coverage through the health insurance marketplace. Whether you are one of those who took advantage of the recent open enrollment period or have coverage through work or another means, it pays to stay up to date on the way health care is changing in the United States. Here is an update on marketplace coverage.

  • In 2014, Pennsylvanians had 14 insurance issuers to choose from and a total of 41 plans as options. In 2015, they had 15 issuers and 50 plans.
  • During the first month of open enrollment (from November 15th to December 15th, 2014), 79 percent of Pennsylvanians who applied for marketplace coverage were eligible for tax credits to make their health insurance more affordable.
  • As of December 2014, 69 percent of Pennsylvanians who secured marketplace coverage were able to pay $100 or less a month after tax credits are applied for their 2015 coverage.

Do you have an insurance agent guiding you through the changing world of health care? Contact Miller Insurance Associates in Carlisle for the Pennsylvania health insurance you need.