Florida’s Latino Population and Universal Healthcare

Florida’s Latino Population and Universal Healthcare

24% of Florida’s population is Latino, meaning that any political move in Florida must have Latino support if it is to be a success.  Despite the fact that they make up a quarter of the population, they remain the most underserved population by Florida health insurance providers.

There are some key areas that, if improved, may be able to produce Latino enrollment.

Though controversial, it might be wise to allow undocumented workers to apply for either federal or state plans.  Those opposed to this action may not realize that, if a person shows up at an emergency room regardless of that person’s citizenship, life-saving actions will be performed.  This ends up costing the taxpayer money, and raising medical costs for everyone involved.  If the underserved undocumented workers had more coverage available, it is less likely that this cost would be passed on to US citizens.

Those who are living in areas where the Medicaid-expansion was accepted are covered.  However, when Florida lawmakers were offered additional money for Medicaid by the US federal government, they turned these funds down due to ideological differences rather than logical reasoning.  If the state government was to agree to accept these funds, Florida health insurance would become available to a wider range of people in all underserved populations that are more likely to suffer from poverty.

Even if they do have health insurance coverage, those who are poorest in the state of Florida may have difficulty paying the out-of-pocket costs that are required, https://floridainsurancequotes.net/health-insurance-quote/ can help.  This is because, even if one has very good health insurance that can pay for a large percentage of coverage, a $10,000 bill will still produce $2,000 of out-of-pocket costs.  Most middle-class families would wince at such a fee, much less those in the lowest income bracket in Florida.  A family that makes $32,000 a year would not be able to absorb this kind of cost without suffering deep cuts back in their purchases, and a family living below the poverty line could end up borrowing money or paying back a little at a time for years.

Low education can decrease people’s ability to communicate with healthcare providers, or understand the instructions of navigators in the process of obtaining Florida healthcare.  Language barriers can ensure that people for whom English is a second language suffer a great deal of misunderstanding regarding the process, and finding someone who can help them who also speaks Spanish can be challenging, especially in an environment where English is the primary language.  Some may deem it too challenging to obtain.

More than 2/5 of the Hispanic population in Florida are foreign-born, and may have cultural barriers to seeking healthcare in this manner.  Most foreign-born Latino immigrants speak Spanish as their first language, and only one quarter of them speak English ‘very well’ according to their own assessment.  Some newcomers are so isolated from their new society that they may not even be aware that national health care exists!

Many of those who do not speak excellent English will also have difficulty finding jobs that offer them health insurance, leaving them alone in the marketplace to attempt to determine – again, without those language skills necessary to do so – which plan is best for them.  This lack of employability also means that they will have limited funds with which to purchase a comprehensive plan, and may end up cutting corners.

Overall, the impact on Latino seekers of Florida health insurance, especially those for whom English is a second language, or for whom the United States is not their country of origin is profound.

Florida car insurance rates

Florida car insurance rates can be anything from highly affordable to exorbitant: It all depends on the driver’s history, his or her car, and the company itself. This means it’s up to potential customers to find a company whose rates suit their budgets and their driving habits, and that can be a notoriously difficult process for those who aren’t familiar with the landscape of auto insurance. Today, we’ll be investigating ways to find the best Florida car insurance rates, like going online and getting insurance from a website, and things to consider when choosing an auto insurance company.


Looking Around


There are thousands of ways to go about looking for car insurance, and none are any more right than any others. Some are more efficient than others, however, and we recommend that you start by using an automated service, such as Progressive, to compare rates of large providers in your area. This is a great way to get started in the investigation. Once you have an idea as to who’s got the best deals out there, you can make a list of firms to consider and investigate seriously, and a list of those you’ll just ignore from then on out.


Once this list is in hand, you should start really digging. The only way to find the lowest Florida car insurance rates relative to the quality of the service you’ll receive is to ask current customers what their experience has been, read as many testimonials on the company as you can, research their history and long-term pricing policies, and then ask them – and any friends or family with the firm – about those as well. This way you’ll have a good sense as to what the provider stands for and how they deal with their customers, giving you a good sense as to whether it’s worth looking into signing with them or not.


Keeping Rates Minimal


Once you’ve decided on a provider, you need to keep your rates as low as possible while you’re with them for maximal savings. Doing so takes relatively little effort on your part. Simply make sure you always drive carefully. Keep speeding to an absolute minimum, do your best to get no points on you rlicense, never get a suspension, and make sure not to ever get caught driving without insurance. These are all things that can result in you paying significantly higher rates – sometimes as much as 20% higher – for a long period of time. This is clearly not what you want if you’re trying to save money!


In the event you do find yourself in an accident or on the receiving end of a ticket, don’t sweat it too much: There’s nothing you can do after the fact except for explain the issue to your provider and hope they work with you. But then again, if you did your initial research well, you should have chosen a provider that will, so you’ll have no problems at all!



Texas Car Insurance

A Buyers’ Guide for Texas Car Insurance


There is a lot to consider when buying car insurance in Texas from someone like http://texasinsurancequotes.us/texas-auto-insurance/.  As with health insurance, it can take some time for you to find a plan that is right for you.  Texas auto insurance is a legal obligation, and your first step should be to familiarize yourself with the legally mandated minimums.  At minimum, Texas auto insurance requirements are 30/60/25 liability insurance.  In plain English, that means liability insurance that covers: $30k per person involved, up to $60k total bodily injury, and $25k coverage for property damage.  When the policy is invoked, the monies are paid out to those involved apart from the driver, but not the driver themselves.  Because of the legal necessity of insurance, any driver involved in an accident should receive reimbursement from the other party’s insurance.


Not All Texas Auto Insurance Policies Are Created Equal.


20% of the drivers in Texas fail to meet the legal minimums of liability coverage levels, or put up the flat $55k for injuries and damages which may result from an accident.  Because of these uninsured or underinsured drivers, many insurance companies will offer options for additional coverage, like the option to cover your vehicle regardless of who may be at fault in an accident.  Supplemental coverage is also on offer for instances when the other party’s insurance fails to pay the full cost of damage and injury.  Supplemental insurance can make a huge difference in the case of an accident that results in the total loss of an expensive vehicle or expensive injuries and medical costs.


Consider the Differences Between What You Want and What You Need.


To meet your base needs, you can carry the legal minimums for liability, but there is also the remaining question of what you want.  In addition to higher levels of personal protection (such as coverage for the uninsured and under insured), there are also considerations to be made for collision and comprehensive coverage.  If you walk out of your house and find that a tree bough has replaced your windshield, you may wonder who pays for that.  Comprehensive coverage does; it covers any environmental factors that may bring damage to your vehicle.  If your car becomes inoperable while you are miles from home, you may also find yourself in need of roadside assistance, towing, and repair services.  Those fees can be reduced, as well, with additional coverage.  When you go shopping for new Teas auto insurance policies, it would be a good idea to keep a list of the extras you would be interested in so that you can get a more accurate quote to compare against other companies.


Look at the Company Behind the Quote.


A smaller premium is not always a bigger savings.  There are companies that can use “fine print” stipulations and clauses to cut corners on coverage.  Be sure to examine your policy closely, especially if you find supposedly comprehensive coverage for much less than it has been quoted by others.  Be wary of any deals that sound too good to be true.  Look into the company itself, look for how satisfied its previous and current customers are.  Most importantly, make sure a provider is actually licensed to issue Texas auto insurance policies.  This license is required by large companies and independent brokers, alike.  The Texas Department of Insurance can verify the state of licensure of a prospective insurer, and can be reached online at: www.tdi.texas.gov, or by telephone at: 1-800-242-3439.


A Legitimate Insurer Works Best With Honest Drivers.


No matter in which state a driver is seeking insurance, it is vital to be honest about their driving record when obtaining quotes and buying policies.  It is illegal to present false information to your insurer.  In addition to being dropped as a client, you could even be brought up on charges of fraud.  Another unpleasant, and very expensive, effect could be a requirement that you carry SR22 level insurance.  The state of Texas does offer a means to guarantee insurance for SR22 drivers.  A driver that has been denied by two or more insurers may qualify for rate assistance if they keep a clean driving record for three years.


Other Advice on Getting Insurance


If you are trying to save money, there are a few little things you can do to lessen that premium.  A higher deductible will of course mean more out of pocket in the event of a claim, but it can also keep your premium lower.  Sometimes, the money saved on your premium can more than offset the higher deductible.  Keep that driving record clean.  The money you save by keeping your premiums low will also help to offset a higher deductible in the event that you ever have to pay it.  Look for group and multi-line discounts.  Companies will often offer better rates or policies on multiple cars, especially when bundled with home and other types of insurance.