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Life has its share of fears. Living without health insurance doesn’t need to be one of them. You aren’t alone in thinking that securing good health insurance is another one of life’s near-impossible hassles. But you might be surprised to learn that with the right help, the process can be a quick and simple one. The following tips and suggestions can help you get health insurance now!

Getting health insurance today is as simple as answering a few questions. Be it over the phone or through an online survey, you can get a health quote by providing some basic information. Most sources require you to provide your name, contact information, zip code, age, gender, and tobacco use. Given that insurance companies base rates on most of this information (using gender is prohibited), it is important to give precise answers if you want your quote to be accurate. If you answer a few additional questions regarding your number of household members and annual income, you can even find out whether or not you qualify for any cost savings via tax credits. These government subsidies can lower the monthly cost of your health insurance premiums.

While getting health insurance online or over the phone is quick and convenient, many prefer to sit down with a local agent and talk about their options.  Fortunately, HealthMarkets has thousands of licensed agents in communities nationwide. They can provide personalized attention to you, sometimes in the comfort of your own home. These agents are experienced advisors who can walk you through all of your options and make recommendations based on your unique needs and budget. Working with a professional is key to understanding health insurance products—and saving time.  Best of all, the service is free.

Whether you decide to use help or go it alone, being prepared with some information beforehand, will help narrow your options. For instance, you may want to review your past medical expenses to estimate what you spend on healthcare each month. You also may want to think about any upcoming medical treatments or surgery that could raise this number. You’ll probably want to examine your flexibility in regards to choosing doctors and working within certain provider networks. This will have bearing on what type of plan you choose. Most importantly, you’ll want to know what you can afford to spend. Knowing up-front what amount in premiums you can afford, and whether or not you have a preference for lower premiums versus lower deductibles and out-of-pocket costs, is also a crucial part of the equation. 

Once you’ve figured these things out, getting health insurance now becomes relatively easy. Enrolling by the 15thof the month generally means your healthcare coverage will start on the first day of the next month. You want to be aware of the annual open enrollment period, as it differs slightly each year. You may be eligible for a special enrollment period if you experience a certain qualifying life event, such as moving to a new state or a change in the size of your family.

Should you still feel anxious about how to get health insurance now, there is still one low-cost option: short-term medical care. These plans do not cover what comprehensive medical insurance does but can be a welcome reprieve for people in certain situations. It’s key to emphasize that short-term medical care is temporary coverage with limited benefits and is not ACA compliant (meaning you are likely to be subject to the tax penalty). But if you are in-between jobs, missed an enrollment period, or are trying to fill a void until Medicare or some other set of benefits kick in, this can offer you a layer of protection.

HealthMarkets is here to support you with any of your health insurance decisions. If you want to get health insurance now, give us a call at (855) 839-8126! We have personalized assistance available 24/7 over the phone and a user-friendly online shopping experience. We have helped Americans enroll in over 4 million insurance plans, and we’re here to help you too!


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