For many people, purchasing health insurance is a big deal. They get the peace of mind knowing that their family has access to healthcare. For others, purchasing health insurance can be a hassle. With the recent changes to health insurance, there are quite a few options available, making the coverage options somewhat confusing. Below you will find an abbreviated description of some of the options you may have available to you this year.
Purchase Insurance from an Independent Insurance Agent
Although the Affordable Care Act created the Health Insurance Marketplace, you still have the ability to purchase health insurance from private insurers. In fact, many local insurance agencies offer a range of health insurance products from many different national insurance providers, making the selection process easier for you and your family.
Secure an Employer-Sponsored Health Insurance Plan
The old tried and true option still remains available when it comes to health insurance; you can purchase a plan through your employer. Your employer typically offers employer-sponsored health insurance plans that can be paid for easily through payroll deduction. Many employers offer a variety of plans, including cafeteria-style health plans where you choose what coverage options you want included in the coverage.
Join a Medical Sharing Network
A little known way to purchase health insurance is using a medical sharing network. With a medical sharing network you meet the requirements to avoid the penalty under the Affordable Care Act, and you get help with the cost of your medical expenses after you’ve reached a certain threshold. For some families, a medical sharing network is a great alternative to traditional insurance if the cost of insurance is outside of their budget.
The best option for health insurance will depend on your family and how often family members visit the doctor, of course. By researching all your options, you may find health insurance that’s a perfect fit for your entire family.
Need help finding the right coverage? Call Insurance Agent2000 at (925) 827-0510 for more information on Concord health insurance.