Do You Need Health Insurance?

While you may be in excellent health and look to be in no danger of getting sick, you should consider whether or not you need health insurance. Consider your family history, current illnesses, prescription drugs and medical procedures. Even if you’re in good health, unexpected illnesses can strike. Some health insurance plans cover pre-existing conditions, but others do not. Consider what kinds of health services you’ll need, such as emergency rooms and lab work.

There are also special enrollment periods. Generally, the marketplace is open from Nov. 1 to Dec. 15. However, if you’ve experienced any qualifying life event during this time, you may qualify for marketplace coverage. Learn more about these special enrollment periods. You can get health insurance coverage now! This video will walk you through the process. You’ll also learn how to pay for your health coverage. And, remember, there’s still time to enroll in an individual health insurance policy!

The primary cost of health insurance is the monthly premium you pay. However, this is not the only cost you’ll incur. Another factor to consider is the deductible. Deductibles vary between plans. If you have a deductible of $3,000, you will be responsible for the first $3,000 of covered health care services. After that, the health insurance company will cover the rest. Some plans cover preventative care before the deductible, so make sure to look for this option as well.

You’ll want to choose a health insurance plan that suits your needs. Consider your budget, your income and other factors. The costs of private health insurance vary considerably, and some companies may charge you more to see a doctor who isn’t in their network. There are a variety of plans available, and you’ll want to choose one that meets your needs. There’s a plan for you. Don’t delay; start shopping today!

Finding the right health insurance plan can be a tricky process. There are many different types of insurance and coverage varies widely. Make sure to consider what your healthcare needs will be over the next year and choose the right one for your lifestyle. You’ll want to choose the lowest monthly premium, but that doesn’t mean you can’t get great value for money. An independent agent can help you compare health insurance plans for you. And because health insurance agents are immersed in the industry, they’ll be able to get you quotes from several insurance companies


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