The Affordable Healthcare Act stipulates that failure to carry health insurance can result in tax penalties, so if you are uninsured, you now have more motivation than ever to find coverage. Finding an affordable policy may seem like a daunting task, but today, those shopping on the private market have access to a greater number of options than ever before. With so much to choose from, how do you sort through plans, deductibles, and networks, and choose a policy that makes sense for you, your family or your employees?
An independent insurance agent who specializes in health insurance can be an excellent resource when you want to evaluate health plans. You may even discover that you can find a lower cost option through an independent agent than you can through your employer. This is because these agents can compare plans from multiple carriers to find the best fit and rates. Contact an independent agent in the Trusted Choice® network for assistance and get all your questions answered right away.
If you are self-employed or you are not obtaining healthcare coverage through your employer, you need at least a basic health insurance plan to ensure that you are prepared for an unforeseen health condition or injury.
A full-coverage health insurance plan may be more suitable for your needs if you have dependents, you are getting ready to start a family, or you have a family history of certain health risks, such as heart disease. You should ensure that your healthcare plan helps you to pay for the broader set of services you need.