Common complaints of Private Insurance

Some common complaints about private Health Insurance include:

1. Insurance companies do not announce their Health Insurance premiums more than a year in advance. This means that, if one becomes ill, he or she may find that their premiums have greatly increased.
   


2. If insurance companies try to charge different people different amounts based on their own personal health, people will feel they are unfairly treated.
   


3. When a claim is made, particularly for a sizable amount, it may be deemed in the best interest of the insurance company to use paperwork and bureaucracy to attempt to avoid payment of the claim or, at a minimum, greatly delay it.



4. Health Insurance is often only widely available at a reasonable cost through an employer-sponsored group plan.
   
   
5. Employers can write some or all of their employee Health Insurance premiums off of their taxable income whereas traditionally individuals have had to pay taxes on income used to fund Health Insurance.
   


6. Experimental treatments are generally not covered. This practice is especially criticized by those who have already tried, and not benefited from, all "standard" medical treatments for their condition.
   


7. The Health Maintenance Organization (HMO) type of Health Insurance plan has been criticized for excessive cost-cutting policies.



8. As the health care recipient is not directly involved in payment of health care services and products, they are less likely to scrutinize or negotiate the costs of the health care received. The health care company has few popular and many unpopular ways of controlling this market force.



9. Some health care providers end up with different sets of rates for the same procedure. One for people with insurance and another for those without.


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