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Having individual health insurance coverage is more important than ever and navigating your options for coverage can be quite complex. Understanding four basic pieces of information may help you select the right plan for you.

Selecting a policy for individual health insurance coverage is a significant event in your life. Throughout this process, you have important points to consider for effectively comparing plans. So, how do you determine which policy is for you?

A Basic Guide to Individual Health Insurance Coverage

Here are the basics on how to find affordable, qualifying individual health insurance coverage:

  1. Any plan you choose must have “minimum essential coverage.”
  2. Certain life events, such as marriage or birth of a child, may make you eligible for enrollment in an individual health insurance plan at any time. This is known as a Special Enrollment Period.
  3. If you don’t qualify for the Special Enrollment Period, you can still purchase a private plan. That’s where a licensed representative at HealthMarkets Insurance Agency can help.
  4. If you go to the doctor frequently or take prescription medications, you need to consider the monthly premiums, copays and deductibles, and the networks of doctors and hospitals. Knowing your regular needs can help you find an affordable plan.

Need help choosing individual health insurance coverage? HealthMarkets has qualified, licensed agents available 24/7 to speak with you. We will guide you through the insurance selection process, answer your questions, and help you find an affordable plan - all at no additional cost to you. Call us at (800) 360-1402, or get a free quote online.

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Source: 

http://www.healthmarkets.com/health-insurance/individual/
http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/ACA-Individual-Shared-Responsibility-Provision-Minimum-Essential-Coverage
http://www.consumerreports.org/cro/2012/09/understanding-health-insurance/index.htm
http://resources.healthmarkets.com/report-life-events-marketplace-infographic/
http://www.healthmarkets.com/blog/how-to-make-health-insurance-more-affordable-four-obscure-things-to-watch-for/
http://www.healthmarkets.com/
http://www.healthmarkets.com/health-insurance/

 

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