For people who work on ranches and farms in the United States sometimes the costs of health insurance can be unbearable. This is because in addition to the expenses they have to incur in order to keep their ranches and farms up and running they
For people who work on ranches and farms in the United States sometimes the costs of health insurance can be unbearable. This is because in addition to the expenses they have to incur in order to keep their ranches and farms up and running they also have to pay health insurance for not only themselves but for their families as well. Many of these producers have begun to speak out about the problems that they go through in order to keep their farms up and running, as well as keep their families safe and healthy. For one man who lives in the Midwest the cost just to insure himself is more than $9,000 a year. This is because of the health insurance he has to purchase in order to keep his family out of trouble if he were to get hurt, along with the $9,000 a year, there is a $6,000 deductible and a 50% co-payment after the deductible is reached. These people not only are being hurt by a struggling economy but they are also being hurt by our health insurance companies who are pulling every penny out that they can. Although because of the risk that their job entails the price that farmers and ranchers are required to pay, and because of these high costs many farmers are beginning to opt-out of the expensive health insurance plans. Studies were also done that have shown that farming families can easily pay more than double the cost that non-farming families pay yearly for health insurance.
For example, in a study done comparing two families of the same size people with Aetna family health insurance were charged half as much for insuring non-farming families. Aetna family health insurance is one of the best insuring companies in the nation covering millions of people in almost every state. Many people who have Aetna family health insurance are covered by their employer, for many of these farmers they are their own bosses, they don’t have an employer, like Aetna family health insurance, that offers them deals on their health insurance plans. Many of these farmers are required to get catastrophic health insurance because it is the most affordable type of health insurance, but as a result of that, the deductible has to be raised every year so these farmers can afford the premium. This is because the premium has been rising more than 15% every year, because of this many people who live on farms try to avoid going to the doctor at all costs. They often will go to yearly well visit check-ups but because those are not covered by insurance little room is left for other visits throughout the year. For people who live on farms, this lifestyle has become very difficult during this hard economic time and many of them have given up their health insurance in order to lower their yearly expenses.