Now is the perfect time to take charge of your health by buying an individual 
health insurance policy. This allows you to choose a plan that best suits your particular needs, including doctors you want to see and what level of coverage meets your health care needs.
individual health insurance gives you the power to keep your insurance if you change jobs, so that you will no longer feel obliged to stay with a company where you are not satisfied simply to keep your health benefits. It also saves money with you of the premium subsidies. Most American families earning less than $ 100,000 per year are eligible for a federal grant if their employer does not offer group coverage. The amount of the grant depends on income and family size, and the monthly average grant is about half the cost of the coverage of individual health care.
Buying individual health insurance can seem daunting at first, but try to think as you would approach for a new car insurance. It really is that simple.
Request for Individual Health Insurance
First, choose how you want to buy your insurance. You can buy it by a licensed health insurance agent who is appointed to represent insurance companies or through the insurance market disease in your state. If your state does not have its own market, you can buy insurance on the HealthCare.gov website.
Next, fill out the application online or on paper. You provide personal information and basic financial information if you wish to request the premium subsidies.
Select your plan
Now it's time to choose your plan. Sites will present plans in tiers, and the cost amount will include premium subsidies that are available for you
Plans are classified into four levels of coverage by order of the cost of monthly premiums increasingly :. Bronze, Silver, Gold, and Platinum. The four levels differ according to their actuarial value, meaning the percentage of health care costs that the plan will pay. The lower actuarial value, unless the plan is to pay your bills and your costs will be off-pocket. The average Bronze plan pays 60 percent of covered medical expenses, and the average Platinum plan covers 0 percent. The remaining percentage is what you will pay.
A Bronze plan is best if you want to pay a lower monthly premium and you do not plan do not require a lot of medical care. (If you do, the costs off-pocket will be relatively high). At the opposite end of the spectrum, the Platinum Plans are for people who think they will need a large number of health care services and who want to reduce their costs out-of-pocket to a minimum.
Whether you choose Bronze, Silver, Gold and Platinum, each plan covers essential services such as drug treatment, emergency care, hospitalization, mental health services, prescriptions, and laboratory services.
last step is to pay your monthly portion of the premium, which will be reduced by the amount of your grant if you qualify for one.
Conclusion
the number of people who buy individual health insurance is on the rise for many reasons, including cost reduction - from 20 to 60 percent less than the group insurance - and more flexibility in choosing the plan. With more clearly defined and guaranteed benefit levels essential, buying individual health insurance is now easier than ever and is a positive step toward taking control of your health.
What questions do you have about how to buy individual health insurance? Leave a comment below!
0 Komentar