There are several reasons why you might need to find affordable independent health insurance. Perhaps you have decided against the coverage offered by your employer. Maybe you are self-employed or unemployed. Whatever the reason, it is important to secure proper coverage even if you think you can’t afford it.
First, it’s important to be aware that the Affordable Care Act imposes a penalty for those without health insurance. This individual shared responsibility payment (commonly referred to as a tax penalty) is meant to discourage people from going without coverage, and helps fund federal and state healthcare programs. There are plenty more reasons for seeking affordable independent health insurance than just fear of the penalty. Having health insurance gives you opportunity to maintain and improve your health, as uninsured people tend to skip important preventive check-ups. Growing children require medical evaluation to ensure they are reaching certain developmental benchmarks. Having proper coverage ensures these milestones don’t get missed.
There are some clear advantages to choosing an affordable independent health insurance plan. You have more choices. You can pick the company, plan, and options that suit you and your family. And if you’re dissatisfied with any of the choices you’ve made, you can switch plans or companies, unlike when you have an employer plan. You also choose your doctors. You can choose an independent plan based on its network of providers. Best of all, you have the freedom to change jobs without fear of losing benefits. When you purchase independent health insurance, it is portable and it will follow you to your next job. Much of this can be accomplished, while still working within your budget. Bear in mind, if you work for an employer that offers a group plan and choose to select an individual health plan instead, you will not qualify for a subsidy.
Because there are so many choices, it helps to gain some professional advice. HealthMarkets Insurance Agency has helped Americans enroll in more than 4 million insurance policies. We have thousands of licensed, knowledgeable agents in communities nationwide, and offer personalized assistance via the web or over the phone. We have access to subsidies, which could help save you money. We operate independently of carriers and the government so you are able to get non-biased advice. Best of all, we offer our best price guarantee that you will not find the same plan cheaper somewhere else. So whatever your reason for seeking independent coverage, HealthMarkets makes finding affordable independent health insurance a whole lot easier.