By: Hemanth Ramesh November, 25, 2019

Climate change and the ever-increasing pollution levels have been having a significant impact on people’s health. Gavop compares the average health insurance rates of the 10 most polluted states in the U.S.

The number of people in the U.S. who have died due to pollution-related causes is much higher than automobile fatalities, according to data analyzed from a report published by the National Acadamy of science. About 107,000 people die from air pollution each year, while 36,560 people died from car crashes in 2018 according to the NHTSA.

According to data from Airnow, 39% of the U.S. population lives in areas with unhealthy air. Louisiana was found to be the state in the U.S. with the worst quality of air. Moreover, the average health insurance premium was found to be $5,926 in Louisiana, which was about $1000 above the national average. Citizens in Tennessee paid the highest average health insurance rate at $6,318, which was $1,378 higher than the national average.

By: Hemanth Ramesh November, 22, 2019

A tire bust when driving on a highway could be extremely dangerous, causing the vehicle to go out of control and potentially lead to an accident. According to the National Highway Traffic Safety Administration (NHTSA), tire blowouts are estimated to cause around 738 deaths and 78,000 automobile crashes each year.

A safer technology for tires might help lower insurance costs as well as save lives.

By: Gokul Menon November, 18, 2019

Insurance companies seem to constantly push boundaries to go where no man has gone before. While providing insurance coverages that adhere to the norm, they also bring out innovative policies to cover the “out of the ordinary.” Here is a list of insurance coverages provided by insurance companies that are anything but usual. The basic idea is to insure oneself against one’s worst fears regardless of the scientific validity of the subject.

By: Gokul Menon November, 12, 2019

"Immigrants who enter this country should not further saddle our healthcare system, and subsequently, American taxpayers, with higher costs." Trump’s Presidential proclamation on October 4th aimed to exclude lawful immigrants who could not show the purchasing capacity to acquire health insurance at unsubsidized rates. The proclamation made it clear that prospective immigrants have to prove that they can afford to pay for private health insurance within 30 days of their entry. This move would have barred prospective immigrants from the country unless they could find a way to purchase private health insurance.

By: Gokul Menon October, 30, 2019

The number of suicides among military veterans in the country is on the rise. Though this isn’t a new problem, the State seems to be searching for new and active solutions. The country has come a long way in its interaction with suicide and post-war trauma. Post World War I, mental health, among troops who fought for the country, was relegated to the personal realm. However, the agonies of war continued even after they returned to their regular lives. Post the World Wars, the families of veterans faced a similar situation after the deployment of troops in Iraq and Afghanistan.

By: Hemanth Ramesh October, 30, 2019

Homeowners in Gilbert, Arizona, pay an average homeowner's insurance rate of $910 per annum, which is much lower than the national average of $1,228 per annum.

Gavop analyzed data from the 2019 market share report published by the National Association of Insurance Commissioners (NAIC) to identify the top 5 homeowners' insurance firms in Gilbert.

State Farm

State Farm is the largest firm providing multi-peril homeowners insurance in Gilbert and holds a 17.97% market share in the multi-peril home insurance segment. In 2018, State Farm was awarded an A++ rating by A.M. Best, which is the highest possible rating given to a firm for its superior financial ability to meet ongoing insurance obligations.