If you are in the market to buy individual health care, now is the time to start reviewing all of the options available to you. The Open Enrollment process is set to open in just a few days, giving people a relatively limited window to get the affordable health insurance they need. Being a savvy buyer will help make this process as sooth as possible.
Here are a few tips for purchasing individual health insurance:
- Check out the exchange: One of the first steps you will want to take is visiting the federal health exchange website. There, you will be able to see what is offered in the state where you reside, and compare premiums, out-of-pocket expenses and deductibles. You could also be eligible for a subsidy to help pay the premium.
- Compare the metals: There are five levels of plans available on the exchange, bronze, silver, gold, platinum and catastrophic. These plans all come with their own deductibles and coverage, so you can take a look at what is provided and how much it will cost. The higher the metal, the more the plan costs overall.
- Consider your health: Of course, you will need to assess your physical and mental health. While the cost of the plan will be something serious that needs to be considered, what is available in each plan is essential. If you have a chronic condition, for example, you will need insurance that covers you extensively.
Whether you choose to go the home health care route or visit a local physician, be sure to check back here again for more health insurance help and information. Contact a member of our team to learn more about available options.
