Think About Your Health All The Time: Best Healthcare Insurance Plans

It’s unfortunate that so many people and families struggle to find the right health coverage today. Whether you’re self-employed, unemployed, or traditionally employed, there’s a health insurance option that’s right for you and your needs. However, that doesn’t mean it’s always simple to figure out your best option.

Thanks to the Affordable Care Act as well as Medicare, a federally facilitated health insurance program, it’s getting more complicated to find the care you need without paying too much out of pocket. In this guide, we’ll cover everything you need to know about health insurance as well as recommend some of the best options for getting coverage today.


Why You Need Insurance
A lot of people make the mistake of thinking it’s okay to go on without insurance. Health insurance is costly, so this is something that makes sense, particularly if you’re already struggling to make ends meet. However, the cost of not having health insurance is significant.

Even if you’re in good health, you can’t predict the future. You could get in a car accident tomorrow. You could suddenly fall ill. All of these things lead to big costs. In fact, there’s a 1 in 5 chance you’ll need emergency care at least once between the ages of 25 and 44. Going to the emergency room isn’t cheap either, and you can expect to pay well over $1000 just for basic treatment. Do yourself a favor and protect yourself and your finances by choosing a health insurance plan that works for you.


Steps to Find Insurance Plans
Here’s how to find an insurance plan that’s right for you in a few steps. Depending on your age and employment situation, you might already have affordable coverage offered to you.

  1. Employer Coverage - If you’re a full-time employee and your workplace has over 50 full-time employees, they have to offer some kind of group coverage. This is usually your most affordable option.
  2. Parent Coverage - If you’re under 26, you can qualify under your parent’s plan in most cases as a dependent.
  3. Affordable Care Act - If the above coverage options don’t apply to you, look into the Affordable Care Act to see if you qualify for reduced-cost coverage.
  4. Shop Around - To find a plan on your own, shop around. You can make a purchase through a local marketplace, an agent, or even the insurance provider itself.
  5. High-Deductable Plan - Finally, if all else fails and you’re in good health, consider a high-deductible plan. These are also known as “catastrophic plans” because they only kick in if you’re facing an expensive treatment. However, they’re much better than having no coverage at all, though you will need to pay more out of pocket for things like exams and office visits.


Choosing the Right Plan
Now that you know how to find plans that are right for you, let’s talk about making the right choice. Most individual and group coverage plans range in quality/cost from Bronze to Platinum. With a Bronze plan, you’ll be expected to pay for around 40% of all your health costs. On the other hand, with a Platinum plan, you’ll pay only 10%.

Like all things in life, you get what you pay for. So which plan is right for you? Consider your healthcare needs. Are you in relatively good health? Do you eat nutritious foods and exercise regularly? Are you involved in any extreme or dangerous activities? If you’re leading a healthy and safe life, odds are you don’t need the highest coverage.

When in doubt, talk to your doctor. Ask what your unique risks are and what type of coverage they would recommend. In all cases, some insurance is better than no insurance, so don’t get caught without coverage. You never know when you’ll need it, and it might be a life or death situation.


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