There were two programs created in 1992 by the New Jersey Legislature that provide individuals and small employers with the ability to choose from different health insurance programs.  This coverage is available regardless of age, claims history, health status, and other risk factors that would make it difficult to find insurance through another party.  The development of these two programs has surely changed the face of New Jersey health insurance.

Individual Health Coverage Program (IHC)

The main purpose of this healthcare program is to make sure that every individual is able to get access to healthcare if they aren’t employed or do not qualify for government sponsored programs.  You will be able to buy health coverage for your family and yourself from many different private insurance carriers.

When you decide to sign up for coverage you can choose from coverage for a single person, two adults, an adult and child(ren), or a family.  You will be able to choose if you want a fee-for-service plan, network-based plans, and other types of health insurance coverage under IHC.

There are a variety of standard services that will be covered when you sign up for a New Jersey health insurance plan, including:

  • Lab Services
  • Mental Illness Assistance
  • Office Visits
  • Immunizations
  • Hospital Care (and Emergency Services)
  • Prescriptions
  • Pediatric Dental and Vision Care
  • Therapeutic Services
  • Screenings and Preventative Medicine
  • Prenatal and Maternity Care
  • And more

Small Employer Health Benefits Program (SEH)

This program was originally developed to make sure that small employers will have access to health benefits for groups of employees without having to worry about the group’s occupation or the status of the health of anyone in the group.  It also gives small employers the ability to renew the coverage every year regardless of the amount of claims or any changes in health status.

There are standard New Jersey health insurance plans from that you can choose from when you take advantage of the small employer health benefits.  Employees will also receive continued coverage even if they aren’t eligible for the group health plan, even if the employer isn’t subjected to COBRA.

The different plans include: B, C, D, and E and they all cover inpatient and outpatient care.  The following health care benefits are included with the coverage:

  • Lab Services
  • Substance Abuse Care
  • Therapy Care
  • Prescriptions
  • Pediatric Dental and Vision Care
  • Office Visits
  • Screenings and Preventative Medicine
  • Prenatal and Maternity Care
  • Immunizations
  • Hospital Care
  • Mental Illness Care

Simply put, health insurance is important.  With medical bills growing larger by the day, hospital visits quickly become a luxury as opposed to a necessity if you are not covered under one of the many plans offered.  Because none of us can fully plan for the future, it makes sense to secure yourself against accident or sickness by finding coverage.

The state of Illinois has over 12,667,000 people.  Of that, roughly 13.17% or 1.73 million people are uninsured.  For these individuals, an emergency visit to the hospital can cost tens of thousands of dollars, bankrupting them for decades to come.  In addition, if there was a serious life threatening condition, then the person would be in even further debt as continued medical care is incredibly expensive without insurance.

With that in mind, lets take a moment to explore exactly what Illinois health insurance from is like, starting from the ground up.

  1.  Without A Job

If you are currently without a job and under the age for Medicare, then you can sign up for Medicaid.  Providing affordable health care for those who need it the most, Medicaid helps to fill in a hole created when people are fired from their place of employment and seeking work.  With Medicaid, you can search for a job while not being at risk for incredible debt if you were required to go to doctors.

  1.  With A Job With No Health Insurance Coverage

If you have a job that does not have health insurance coverage or will not provide you with health insurance coverage, then your next best bet is a healthcare marketplace.  Set up in Illinois as a part of the Affordable Care Act, this exchange is the place for you to find a plan that is affordable and works for your needs.  While not ideal for those just above the poverty line, the healthcare marketplace works to provide a service that would otherwise be unavailable.

  1.  With A Job With Health Insurance Coverage

Many places of employment offer differing kinds of health insurance plans to choose from depending on your needs.  Deducted directly from your paycheck, these plans can cover a vast range of things and will be dependent on your place of employment.  In addition, working for the state of Illinois may entitle you to additional health insurance coverage as the state has generally good health insurance coverage.

There is absolutely no reason whatsoever to overpay for New York homeowners insurance, but pretty much every homeowner in the state of New York is spending at least a little bit more money on their homeowners insurance than they should be.

For most homeowners this isn’t going to be all that big of a deal, but for some people, taking advantage of the tips and tricks included below can help save them hundreds of dollars each year and thousands of dollars over the entire term of their New York homeowners insurance agreement.

If you are thinking about finding new and creative ways to save money on your New York homeowners insurance policy, you’ll want to check out the tips we have below!

Consider prepaying your New York homeowners insurance for the year to save money

The fastest way and the easiest way to save a lot of money on your New York homeowners insurance from is to abandon completely paying your insurance every month and instead prepay your insurance buys a year.

Individuals in New York that prepay their New York homeowners insurance for the year are usually able to reduce the amount of money that they spend by at least one month worth of insurance payments, and sometimes considerably more than that.

Ask your insurance company about a prepaid discount!

Don’t be afraid to renegotiate terms every year if necessary

Every single year you should be contacting your New York homeowners insurance company to renegotiate the terms of your deal, if only because you will usually be able to “beat them down” on price – especially if you haven’t missed a payment and haven’t had to place any claims.

It’s worth the annual phone call just to take advantage of the savings opportunities that they will almost always provide you, and you’d have to be at least a little bit crazy not to leverage the “free money” that they provide in the form of these savings opportunities.

ALWAYS be on the lookout for a better deal when it comes to New York homeowners insurance

If you really want to be sure that you are spending the least amount of money possible on your New York homeowners insurance, you absolutely MUST stay on the lookout for better deals whenever they come your way.

Actively search for new quotes every month or so, and make sure that your current homeowner’s insurance company knows that you are searching for the best possible deal. Give them an opportunity to match any deal before jumping ship, but don’t be afraid to pull the trigger if the deal is really that much better.

With just under 9 million licensed drivers in the state of Pennsylvania, the car insurance industry is alive and well.  As people seek car insurance for the first time or after years of experience decide to switch their car insurance, people are constantly exploring the kinds of quotes that they can get.  While many people aim for the lowest and least costly car insurance out there, others aim to strategically get the coverage they want while keeping prices low.  Lets explore the kinds of Pennsylvania auto insurance quotes from as well as what coverage comes standard and what coverage you may want to request.


As car insurance is mandatory for all drivers and stiff penalties help to enforce the rules, it is far easier and less expensive in the long run to get car insurance then to try and do without.  With basic coverage and the lowest possible yearly cost, you will have medical benefits bodily injury liability, property damage liability, and limited or full tort coverage. While protecting you financially incase you are to blame for an accident, there are many additional options you may want to consider.

Additional coverage that you can select in Pennsylvania includes uninsured motorist coverage, underinsured motorist, and towing coverage.  In particular, the uninsured motorist coverage and underinsured motorist coverage will allow you to get your car repaired for little to no money even when the person responsible for the accident does not have proper coverage


Pennsylvania auto insurance quotes will depend on a series of factors.  First, your age and sex play a big deal in what your eventual quote will be.  Generally speaking, the older you are the lower your quote is going to be, and women generally have lower quotes than men.  In addition, your driving record can go a long way into decreasing your total insurance costs.  The less accidents and tickets you have, the better your car insurance quote is going to be.  As a final consideration, do not underestimate good grades, safety courses taken, or other indicators of your success and continued responsibility to both yourself, the community, and your driving skill.  Car insurance providers will often take these things into consideration, providing a more affordable car insurance rate as a result.