If you don't have an employer who subsidizes the cost of health insurance as a benefit, and you don't qualify for any of the subsidy programs offered for those with lower income like Medicaid or CHIP (Children's Health Insurance Programs), or if you can't find an acceptable alternative to health insurance, then you'll need to Enroll in the Health Insurance Marketplace.
Here are steps you can take to determine what the best way to insure your family is.
Explanations for each step can be found below.
- Determine what kind of coverage and how many different policies you will need.
- Decide what kind of deductible, co-pays and insurance will best meet your needs.
- Find options for comparison.
- Double check that the options you have found are offered by real insurance companies.
- Compare the options against each other to make the best choice for you.
What Health Insurance Policies Will You Be in Need of?
If you need to Enroll in the Health Insurance Marketplace for your family then consider two approaches to keep the cost of insurance down.
*If all family members are generally healthy, you can cover the entire family as a unit with one policy.
*However, if one or more family members have ongoing health problems, chronic conditions, or major medical challenges, or you anticipate the need for surgery in the next year, you might choose instead to buy two or more policies, one each to cover the family members who have ongoing medical challenges, which will be very expensive, then one less expensive family coverage for the rest.
With any questions about Enrolling in the Health Insurance Marketplace feel free to contact a PMG Agent at https://pmgagency.com/contact-us