What You Need to Know
Choosing the right health insurance provider can be a difficult decision. There are so many options to choose from and it seems like they all have their own pros and cons. So how do you know which one is best for you? We’ve created this blog post as a guide to help simplify your search process. Check out our list of questions that will help lead you in the right direction when choosing your health insurance provider! In case you want to be Married for Health Insurance you should read all important information regardless of this decision.
-What type of coverage do you need?
-Do you have preexisting conditions that may prevent you from being covered by certain plans?
-Do you want a plan that covers treatment or other services such as dental care, prescription drugs and mental health?
-What are your budget constraints?
Some providers offer plans with deductibles as low as $0. Others can go up to thousands of dollars for the year. Find the best match for your needs!
We’ve compiled a list of pros and cons for different types of coverage: single, family, group, individual marketplace vs employer sponsored so check them out below!
Single Coverage: You will only need one provider but these may be more expensive because there is typically no tax break on these plans. These policies also don’t cover dependents if they were married or over 18 years old when you purchase the plan.
Family Coverage: You will need one provider for yourself and anyone you are purchasing coverage for as part of your household, including a spouse or unmarried partner. These plans may be less expensive because they can include tax breaks from the federal government (but not always state governments). There is typically no limit on dependents so if someone in your family gets married or turns 18 during the year, they will still be covered under this policy!
Group Coverage: Group policies are more affordable but there is often an employer behind these plans which means that employees usually have to use their work sponsored health insurance instead of going elsewhere. If you end up changing jobs, then you’ll also have to change providers too and vice versa.
