Health insurance is a must, because without it, medical costs can rise to the point of being seemingly insurmountable. When you have health insurance, you only have to pay a fraction of the costs that you would if you were uninsured. The good news is that health insurance is easier to obtain than ever before, as prospective policyholders have multiple avenues when it comes to enrolling in a policy.
What Are My Options?
You can purchase health insurance through these sources:
- Health insurance broker or agent
- Directly from an insurer
- Membership organization
- Federal government
- Online brokerage
Why Get Health Insurance from a Broker or Agent?
Purchasing from a broker or agent has the advantage of giving you a broader scope of the opportunities available to you. Many have their contact information online.
A broker sells numerous health insurance policies from different companies, whereas an agent sells many policies from one insurance company.
Getting health insurance directly through an insurer involves more research on your end, as you’ll have to compare individual insurance companies and their policies first. This is why going through an agency such as Kannonball Insurance Solutions can make this process much easier for you.
Membership Organization
This is an option if you already belong to a certain group – unions, alumni associations, and professional organizations are examples. Group health plans are appealing due to their low premium costs, but you need to make sure that the group you belong to offers insurance and not a health services discount plan.
Online Brokerage
Online brokerages are fast, easy resources to obtain health insurance. These are also known as private exchanges. Once you provide information about yourself, you’ll be shown a selection of health insurance plans to choose from. However, a downside to this is that you may be rejected because of a pre-existing condition, as many plans are non-compliant with the Affordable Care Act (ACA).
Health Insurance from the Government
Visiting healthcare.gov allows you to see the various plans available to you through the health insurance marketplace. These are all ACA-compliant, so you will get coverage that will not discriminate based on a pre-existing condition. You may also qualify for premium subsidies based on your income.
Get the Best Health Insurance for You
At KBI Solutions, we’re here to help you get the right health insurance plan that covers your medical needs and fits your budget. We provide our assistance to individuals looking for health insurance policies every day, and we pride ourselves in doing so with excellence and professionalism. If you are in need of health insurance, call us today at (254) 918-5444.
