The Affordable Care Act (ACA) has made it easier than ever before for some Americans to afford health insurance for families. Under the ACA, everyone is required to buy insurance or pay a fine. This law is known as the individual mandate. HealthMarkets makes it easy to find health insurance plans that fit within your budget and meet ACA requirements. To learn how to affordably insure your family and comply with the law, read on.
How to Choose the Right Health Insurance Plan for Your Family
It’s advisable to define your coverage needs first. Do your children have medications that they will need year round? How often do they get ill or injured? How often do you or your spouse get sick? Is there a trusted doctor or specialist you would like to continue visiting? Once you have answered these types of questions, you can determine the level of coverage you may need.
Next, try estimating how much you can spend on health insurance each month. Estimate what you can spend on premiums as well as copays, coinsurance, and deductibles. If you visit the doctor often or have small children that require regular visits, a low premium and high deductible plan may not be in your best interest. But if your family is generally healthy, it may work to your benefit.
Finding the right health insurance plan for your family may seem like a difficult balancing act between coverage and cost, but it doesn’t have to be. With the right tools and advice, comparing coverage, premiums, and out-of-pocket costs is easy. You can sort through your options in a few mouse clicks using a free quoting tool, or you can contact a licensed agent to personally advise you.
How the ACA Helped Health Insurance for Families
In the health insurance industry, health insurance plans for families are those that include “dependent coverage.” The Affordable Care Act has mandated that all qualified (ACA approved) individual and group health insurance plans must offer dependent coverage for children (until the age of 26). So, as long as you are shopping for health insurance plans that are ACA approved, you will be able to find family plans.
Affording Health Insurance for Families
HealthMarkets has enrolled millions of Americans in policies that protect their families and ensure that they get the health care needed when they are ill. Getting an affordable policy for your family is simple and easy when you allow HealthMarkets to give you a quote from leading insurance companies in your area.
To find out how to save big, give HealthMarkets the opportunity to serve you. With more than 2 million policies written since 2010, finding health insurance for families is one thing HealthMarkets Insurance Agency can do to help make insurance decisions easy. Give us a call at (800) 360-1402.