How to Find Health Insurance
Working with a health insurance broker is the best way to find health insurance that is both affordable and unique to your situation and needs. There are numerous options online that can become complicated and confusing very quickly. Do yourself a favor and work with an experienced broker. One who has options with multiple different health insurance companies, not just one.
When you’re wondering how do I find health insurance, it’s important to understand a few things:
- There is private insurance (something you purchase yourself through a private company)
- There is group or employer insurance (something you access through your employer)
- There is insurance through the Affordable Care Act (ACA or Obama Care)
- There is Medicare Insurance (for those 65+)
Each type of insurance requires you to go through a different process to obtain; we’ll discuss those processes below. Health insurance can become very confusing very quickly, so it’s important to not do it alone. Find an experienced agent to help you navigate and determine what works best for you.
Even though it can be difficult figuring out how to get insurance don’t let that discourage you. With the numerous companies and options out there, there is always a plan for everyone.
How to Sign Up For Health Insurance
Once you determine the type of insurance you need and the plan you want, it becomes very simple to sign up for health insurance. The process can usually be done in a matter of minutes and can be done in person or over the phone. It can even happen over the internet without talking to anyone.
How to enroll in health insurance– depending on the type of health insurance you decide on, the enrollment process will change.
ACA-If you are enrolling in a plan through the ACA then you have a few options. You can visit the government website, healthcare.gov. There you will see a list of the different companies in your area and the plans they offer. There will be lots of options and information and may be difficult to understand.
You can also work with an health insurance broker who will have access to the same companies and plans that you see on the government website. An experienced broker will have a good understanding of the plans in your area and the benefits of each one. They should be able to easily point you in the right direction and then help you enroll in the plan you decide on.
Private Insurance– If you’re looking to apply for private health insurance then you have a few options. You can search the internet and look at different companies’ websites and enroll online. Most companies will have a 800 number you can call to enroll or even allow you to enroll online.
The other option is to use an independent broker. They’ll have access to every company and be able to quickly search and find the best plan for you. This way saves you time, as the broker will do the searching for you. This way allows you to quickly find the best rate and coverage available.
Group or Employer Insurance– It’s hard to tell someone exactly how to apply for insurance with their employer. This is because each employer is different. Some offer more coverage options than others, some don’t offer coverage. So it’s important to ask your employer when their open enrollment is and be ready to make a decision when that time comes. Most companies will give you plenty of information and even have a representative that can answer any questions you may have. Going through your employer for health insurance is usually the cheaper option when compared to private health insurance.
Medicare– The enrollment process for Medicare is very similar to the other options described above. You can go directly to an insurance carrier to enroll or you can work with a broker. We recommend working with a broker to make your life easier and to also ensure you find the best plan available.
As you can see, there are many options for you if you’re wondering how to get medical insurance. The best option is to simply work with an experienced health insurance agent and to let them do the work for you!
When Can You Apply For Health Insurance?
Depending on the type of insurance you’re applying for, there are different enrollment periods or times that you can sign up. Let’s discuss each one.
Private Health Insurance– you can apply for health insurance at any time throughout the year if you’re buying private health insurance. This is by far the most lenient and easiest type of insurance to apply for.
Group or Employer Health Insurance– If you begin a new job, you’ll have the option to apply for insurance under the employers group plan. If you decide not to, then you’ll need to wait for their annual enrollment period. This period is different for each company so you can ask your HR department when you can enroll.
ACA– The time to apply for coverage for an ACA plan is November 1st through December 15th of each year. However, if you’re wondering how to get insurance outside of open enrollment there are options. If you qualify for an SEP or Special Enrollment Period, then you can get coverage outside of the enrollment period. SEP’s are certain life changing events that allow you to get coverage immediately instead of waiting for the enrollment period. Some of these qualifying events are having a baby, getting married, losing your job and therefore losing health coverage. You have 60 days before and after this qualifying event to enroll in a plan. A health insurance broker can help you determine if you qualify for an SEP.
Medicare– There is also an open enrollment period for Medicare insurance. That time is October 15th through December 7th. During this time, you can freely switch from one Medicare plan to another. You become eligible to Medicare when you turn 65. Your initial enrollment period for Medicare is 3 months before turning 65, the month you turn 65 and 3 months after turning 65. During this time frame you can apply for and sign up for Medicare insurance.
As you can see, a simple question like- when can I buy health insurance can get confusing really quick! Work with an experienced agent to make sure you have the correct information!
How Can I Get Health Insurance Today?
You can get health insurance today by purchasing a private insurance healthcare plan. You can google “how can I get health insurance now?” and find a variety of private health companies that will give you coverage now. You can also call an independent health broker that can give you many options and set you up on a plan immediately. Companies like United Health offer plans that can be approved and purchased that same day.
When can you get health insurance– If you’re wondering how to get your own health insurance and it’s not during open enrollment and you don’t have an SEP, then your only option is to purchase a private plan. Many private plans can be short term, you’re not locked into anything. These are the perfect plans if you’re in a bind trying to figure out how to get health insurance now and can’t’ wait until open enrollment.
The flexibility of these plans is great, because they don’t limit when to apply for health insurance. However, these plans also have negatives- they can sometimes be more expensive and not have as comprehensive of coverage.
How to Get Cheaper Health Insurance?
Everyone wants cheaper health insurance, especially health people that hardly ever use it. However, it’s important to maintain a good health insurance plan as you never know what could happen to your health. Instead of wondering “how to buy health insurance on your own” or “how do I get insurance for myself” consider working with an independent health insurance broker.
There is a special kind of health insurance specifically for people that are very healthy and only worried about the catastrophic. This type of policy is a high deductible and high max out-of-pocket plan. It’s essentially only there to pay very large expenses. All the little things would be paid by you, out of pocket. These types of plans are much cheaper than your normal plan.
An experienced health insurance agent can shop your plan every year during open enrollment. They can ensure you’re still getting the coverage you need and they can ensure you’re still in the most affordable plan as well. With so many moving parts, changing laws and complicated coverage it’s not a great idea to navigate the health insurance waters yourself.
If you need help with your health insurance, fill out the form here and we’ll have an experienced agent work with you to make sure you get the best health insurance possible.