Health Insurance
Getting coverage is now guaranteed.
Do you pay way too much for health insurance?
Did your employer find it too expensive to provide you and you family with health benefits, so they dropped their coverage?
This stuff is expensive! I’m an insurance agent, but I don’t like to pay premiums any more than the next guy. Yet it is critically important.
I know a number of young folks who don’t have anything because, well, they are invincible. Nothing is going to happen to them. Right? BAD CALL! A boss of mine from long ago once told me “don’t squeeze a nickel so hard you lose a dollar.”
Here are some simple suggestions:
Don’t be afraid of higher Deductibles
Higher Deductibles = Lower Premiums
Shop regularly
At least every 3 years
Ask an experienced agent
If there are ways to manage these deductibles better
Work with an independent agent
That can find the perfect plan and provider for you
Don’t think that one size fits all
Again, work with someone who can show you viable options
I can help you with short term health insurance and Health Share Ministry options.
But, I am no longer certified to help you sign up for an Affordable Care Act plan (IE Obamacare or ACA). If you need help I have two terrific people I can refer you to.
In the FFM (Federally Facilitated Marketplace)
You can choose from 5 plans called the Metalized plans. Prices will range starting from a low with the catastrophic plan, Bronze, Silver, Gold and Platinum being the most costly.
No Health Questions
The only items that can determine your price are; income, age, tobacco use and location. Other than these items you can’t be refused coverage.
Keep your current plan
You can keep you current plan however pay close attention to your premiums. All the reports are expecting big increases in our premiums. I’ve heard increases of 25% to 95%. Mine went up 30% in 2020.