Shopping for health insurance can be stressful. What are the best insurance companies? What is a reasonable rate given your circumstances? What questions should you ask? These are important things to think about. The Affordable Care Act, also known as Obamacare, requires most Americans to have health insurance by March 31st, 2014. Those who don’t have qualifying health coverage by this day will be subject to a penalty. To simplify the process, we’ve broken down three ways to shop for health insurance.
Directly Through Private Insurance Companies
The first way that you can obtain a health insurance quote is to contact each private insurance company directly. If you prefer to speak one-on-one with a representative from each company, this is the best option for you.
Each insurance company should be an expert in the services that they offer, so you will be able to get the answers to all of your questions. Of course, this can get tedious if you are trying to compare the offerings for a large number of private insurance companies.
Through Your State’s Health Insurance Marketplace
The Affordable Care Act instituted insurance marketplaces for every state. Start by finding your state’s health insurance marketplace. The marketplace will allow you to compare health insurance plan benefits, costs, and coverage side by side. Another benefit of the marketplace is that when you submit your information, it will let you know if you’re eligible for cost assistance, tax credits, Medicaid, Medicare, or CHIP. If you don’t have a lot of experience shopping for and comparing health insurance plans, using your state’s health insurance marketplace may be an alternative to calling insurance companies directly.
Let HealthMarkets Insurance Agency Walk You Through It
When you visit a new city and want the inside scoop on the best restaurants and events in the area, you contact a tour guide or a friend who lives there. When you shop for homes, you work with a real estate agent to help you find the right house for your needs. HealthMarkets Insurance Agency works in much the same way. We’re knowledgeable in health insurance and we are passionate about helping our customers find the right insurance plan to fit their needs and budget. You probably have a lot of questions. We’ll help find the answers.
We compare prices and coverage from over 200 insurance companies across the nation and we can search the plans available in your state to find the coverage that’s right for you. Best of all, we are able to offer this help at no cost to you. To learn more, visit HealthMarkets Insurance Agency today.