May 19, 2020
Most U.S. citizens receive health care coverage from their employer or spouse's employer, others opt to purchase individual policies directly from an insurance company.
Everyone needs some level of health insurance, in order to protect themselves against financial disaster in the event of a serious illness or accident.
There are important choices to be made whether you choose a group plan or an individual plan. These choices will affect not only the quality of your medical care coverage but also your budget.
Learning about these choices can prove very helpful in making an informed decision that fits both your specific needs and your budget;
Thankfully, there are quite a few places you can find health insurance plans;
First, you may qualify for health insurance through your workplace. If you do, this is often your best bet as your company may pay for part or all of your health insurance premiums., but if you don’t, you can shop for health insurance on your state’s health insurance exchange during open enrollment or when you have a qualifying event.
Look for insurance agents that only represent a single health insurance company, or insurance brokers that can provide policies from several different health insurance companies.
Health insurance brokers will generally give you more options, but if you know there is a particular company you want to be insured by, visiting an insurance agent for that company will work, too.
In addition to shopping on your health insurance exchange, you can use other websites and professionals to help your search. Websites like InsuranceQuoter aim to help you shop for and better understand the health insurance plans that will best fit your family’s needs.
