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Health insurance is a great way to ensure that you will be able to afford medical care for yourself and your family should the need arise. Not only is health insurance a good idea financially, it is also now legally necessary. With the implementation of the Affordable Care Act, most people in the United States are legally required to have some type of health insurance, either through an employer plan, individual policy or government health insurance system.
At Assure America, we can help you to find the right plan to ensure the health and financial well-being of you and your family, as well as ensure your compliance with the law.
Who Needs Private Health Insurance?
If you are in one the following situations and you are above the income limits to qualify for government health insurance, you will probably need to purchase your own private health insurance:
- Employed part-time (employers usually only offer health insurance for full-time employees)
- Unemployed (and not eligible for COBRA)
- Otherwise uninsured (your insurance plan may have been canceled or your employer may have decided not to offer health insurance)
Health Insurance Options
There are many types of health insurance policies to choose from. Our health insurance experts can help find the policy that will work best for you. Some common plans include point of service plans, consumer driven health plans, high deductible health plans, preferred provider organizations (PPO) and health maintenance organizations (HMO). Each of these plans can be customized to your needs by varying the amount of coverage, deductibles, co-pays, coinsurance and premiums.
Cost of Health Insurance
The cost of health insurance depends on many factors, including location, age, medical history, insurance provider and coverage limits.