Browsing & Choosing Insurance Quotes | Free Article For Reprint
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Home Insurance Quotes: Guide For Getting The Best | Auto Insurance …
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How Compare House Insurance Quotes Online to Get the Best Rate
The best way to get the best house insurance quotes is to compare rates from different companies. And the easiest way to do that is online. This video shows you how.
Resolved Question: how will demo explain their lies about insurance companys profits now that the truth is out?
WASHINGTON – Quick quiz: What do these enterprises have in common? Farm and construction machinery, Tupperware, the railroads, Hershey sweets, Yum food brands and Yahoo? Answer: They’re all more profitable than the health insurance industry. In the health care debate, Democrats and their allies have gone after insurance companies as rapacious profiteers making “immoral” and “obscene” returns while “the bodies pile up.”
Ledgers tell a different reality. Health insurance profit margins typically run about 6 percent, give or take a point or two. That’s anemic compared with other forms of insurance and a broad array of industries, even some beleaguered ones.
Profits barely exceeded 2 percent of revenues in the latest annual measure. This partly explains why the credit ratings of some of the largest insurers were downgraded to negative from stable heading into this year, as investors were warned of a stagnant if not shrinking market for private plans.
Insurers are an expedient target for leaders who want a government-run plan in the marketplace. Such a public option would force private insurers to trim profits and restrain premiums to compete, the argument goes. This would “keep insurance companies honest,” says President Barack Obama.
The debate is loaded with intimations that insurers are less than straight, when they are not flatly accused of malfeasance.
They may not have helped their case by commissioning a report that looked primarily at the elements of health care legislation that might drive consumer costs up while ignoring elements aimed at bringing costs down. Few in the debate seem interested in a true balance sheet.
But in pillorying insurers over profits, the critics are on shaky ground. A look at some claims, and the numbers:
THE CLAIMS
_”I’m very pleased that (Democratic leaders) will be talking, too, about the immoral profits being made by the insurance industry and how those profits have increased in the Bush years.” House Speaker Nancy Pelosi, D-Calif., who also welcomed the attention being drawn to insurers’ “obscene profits.”
_”Keeping the status quo may be what the insurance industry wants their premiums have more than doubled in the last decade and their profits have skyrocketed.” Maryland Rep. Chris Van Hollen, member of the Democratic leadership.
_”Health insurance companies are willing to let the bodies pile up as long as their profits are safe.” A MoveOn.org ad.
THE NUMBERS:
Health insurers posted a 2.2 percent profit margin last year, placing them 35th on the Fortune 500 list of top industries. As is typical, other health sectors did much better — drugs and medical products and services were both in the top 10.
The railroads brought in a 12.6 percent profit margin. Leading the list: network and other communications equipment, at 20.4 percent.
HealthSpring, the best performer in the health insurance industry, posted 5.4 percent. That’s a less profitable margin than was achieved by the makers of Tupperware, Clorox bleach and Molson and Coors beers.
The star among the health insurance companies did, however, nose out Jack in the Box restaurants, which only achieved a 4 percent margin.
UnitedHealth Group, reporting third quarter results last week, saw fortunes improve. It managed a 5 percent profit margin on an 8 percent growth in revenue.
Van Hollen is right that premiums have more than doubled in a decade, according to a Kaiser Family Foundation study that found a 131 percent increase.
But were the Bush years golden ones for health insurers?
Not judging by profit margins, profit growth or returns to shareholders. The industry’s overall profits grew only 8.8 percent from 2003 to 2008, and its margins year to year, from 2005 forward, never cracked 8 percent.
The latest annual profit margins of a selection of products, services and industries: Tupperware Brands, 7.5 percent; Yahoo, 5.9 percent; Hershey, 6.1 percent; Clorox, 8.7 percent; Molson Coors Brewing, 8.1 percent; construction and farm machinery, 5 percent; Yum Brands (think KFC, Pizza Hut, Taco Bell), 8.5 percent.
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Resolved Question: How do Houston EMT’s decide what hospital to transport a patient to? The reason I ask is?
I have NO medical coverage whatsoever. To make a long story short I started having involuntary seizures & muscle spasm due to withdrawal from my medications b/c I was so sick I could only hold down bites of food at a time & don’t want to get too graphic but I was throwing up with diarrhea too. It was SO scary I felt like I was being pulled & pushed in all these directions & I have huge bruises from falling against furniture but thank gosh I was at my mom’s house & she was able to call 911. She was afraid I was going to be taken to Ben Taub rat hole b/c I have No ins but one of the EMT’s rather firmly said “No” b/c I wouldn’t get the immediate medical attention I was needing so I was taken to Methodist but I was so delirious from Xanax & other medication withdrawals PLUS massive potassium & magnesium deficiency I barely remember riding in the ambulance. I just remember spending 11pm to about 6am in the ER @ Methodist which I guess isn’t bad compared to how it could have been. My question is : is it up to the EMT/Paramedic which hospital a patient is transported to regardless of whether the patient has insurance or how does that work. Any Houston EM T’s out there know this mystery?
Thanks for answer Michael I was going to tell you more but you don’t alllow e mai. Oh well I lived!
I have a gold card but TG I didn’t have to go to Ben Taub. If I had been shot stabbed or in a multiple car pile up then I probably would have been taken there since I hear they have the best trauma center. It was a relief to see the sign @ Methodist saying “We Admit: We Care”; even though I wasn’t admitted they waived the $350 ER deposit after my mom broke down & cried saying she/we didn’t have the $$$ then I thought I was going to die b.c i had never seen my mom cry like that but she crying in relief LOL.
Resolved Question: Owning A Home Costs Less Than Renting An Apartment?
Here shortly I’m going to be in the position where I can pay for a farely cheap house in cash and all up front. But I’m wondering with Home Insurance, Property Tax, and other fee’s, what is the average that a person would pay… Motorhomes for example – rent for the slot still saves about $400 compared to an apartment so it could pay for itself in 5-8 years, that sounds like a good investment.
What kind of expenses (and savings) would a person have from a house?
Thank you for your answers. Actually I was only comparing a motorhome to a house, but I’m actually shopping for a house. The points of it depreciating in value every year and having to pay a rental fee on the property space, as suggested.
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