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The researchers note that other factors such as health status and the complexity of the market can also affect the purchase of individual health insurance, but conclude that they are unlikely to be the primary drivers of low coverage rates. [14] Many states allow medical underwriting of applicants for individually purchased health insurance.
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[88] [107] [108] While self-employed individuals receive a tax deduction for their health insurance and can buy health insurance with additional tax benefits, most consumers in the individual market do not receive any tax benefit.
A health insurance policy is a insurance contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable (annually, monthly) or lifelong in the case of private insurance.
Know Your Health Insurance Options. ... One way to lower your overall taxable income in retirement is to shift some of your money from pre-tax retirement accounts — like a 401(k) — to post-tax ...
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