Why UniCare's Renewal Rates are so Stable

Unicare health insurance plans offer some of the lowest cost major medical plans in the industry. The Unicare HSA, FIT, Saver, and Sound plans offer the greatest values in health insurance depending on where you live.
Best values are found in the $1000 to $5000 deductible plans. When you have a Unicare plan, you will pay the same premium as an existing member, not an artificially low rate for the first year like other companies. No tiers, or blocking of business. uniCare never close out a block of business and allows exiting members to upgrade to new model plans when they become available. This kind of practice keeps their pool healthy and avoids the infmaous death spiral.
Unicare HSA's have only had two price increase's in the last eight years. The Unicare HSA is probably the best valued product of any carrier. Deductibles over $1000 had only a zero to one percent trend upwards last year. Your prices will however go up with age, there is now way you can stall father time, the older you are the more expensive health insurance becomes.
How can we help keep health costs down?
One of the best things that we can do with the public, legislators, and so forth is to really understand that uninsured population in great depth. A third of them are in households that have incomes of $50,000 or greater, and, for whatever reason, they're uninsured. Our job is to reach out to them with affordable products with lots of education, and that's what we're trying to do with things like UniCare Sound, Tonik or Blue Access, for example. The second segment is a third of the uninsured that are actually eligible for either federal or state programs. They're simply not enrolled. Then the balance are really the working poor. There, we really need to work collaboratively with the government and our industry and figure out what the right solution is. We've been in favor of tax credits. We've been in favor of giving those people incentives that would allow them to purchase some sort of coverage. So far the goverment has only addressed tax incentives for HSA's which are designed for the over 50 market which has borne most of the brunt of medical inflation these past few years.
The key to keeping health costs down nationally is to make the best effort to make sure as many people as possible are insured. UniCare has the largest block of insured's in the country and that number is increasing daily, and that is a major factor in keeping the cost of their plans affordable, volume equals cost savings. By not closing of blocks and letting people have the opportunity to upgrade coverage when neccesary without changing carriers it keeps the overall costs down as the block continues to increase in size.
Would a larger role for the government in health care be a good thing?
A public/private system is what best serves Americans. We're a culture of people that want choice. I just can't imagine us going to a place that's going to be a one-size-fits-all. It's just not our makeup as a culture.

Unicare health plans can be purchased for Illlinois, Texas, and Michigan at www.medequote.com
http://www.unicaresoundplans.com/