How do you get health insurance hey great question if you need health insurance you really have three ways to get it you can go to a government exchange you can go to a broker like a health or you can buy directly from an insurance company each has some similarities and some differences .


how to get health insurance today
 health insurance


here's what's the same regardless of where you buy the first is price the price of a health insurance plan is fixed by law so you can't get a better price based on where you buy and no matter where you shop you can get help applying for tax credits also known as Obamacare subsidies the second similarity is benefits .

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all major medical health plans must cover the same ten essential health benefits the third similarity is access to coverage pre-existing medical conditions cannot prevent you from getting covered as long as you apply during open enrollment these three things are the same no matter where you buy now here's how government exchanges brokers and insurance companies differ when you're trying to sign up for coverage the first difference is the selection of plans.

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 an insurance company will only show you their plans a government exchange will show you all the plans that can be bought using a subsidy and in most states a broker like a health will show you all the plans you can buy with a tax credit plus other Obamacare plans that can't be bought with tax credits or subsidies the second difference is access to help government exchanges are usually staffed by navigators who can answer basic questions about the affordable care act and help you apply for subsidies brokers like a health are usually staffed with licensed agents who have been trained on the different plans that they sell.

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 that means they can legally recommend plans based on your specific medical needs and most can also help you apply for subsidies the third difference is support after you sign up if you ever use your plan and run into a problem any type of problem you can call the insurance companies service line or if that's not working for you having a large national broker like a health in your corner is never a bad thing your broker should be able to help you cut through any red tape and make sure you're getting the benefits you paid for you.

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How does self insurance work here's an example of how health insurance cost sharing works let's assume you have a health plan with a one thousand dollar deductible 20 percent coinsurance and a six thousand dollar out-of-pocket maximum if you incur a fifty thousand dollar medical bill you will first need to pay you $1,000 deductible that would leave you with $5,000 in cost-sharing left before you reach your plans $6,000 out-of-pocket maximum with 20 percent coinsurance you would pay $1,000 for every four thousand dollars paid by your insurance company .

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what that means is that for the next twenty five thousand dollars in covered medical expenses you would pay five thousand dollars and your insurance company would pay twenty thousand dollars out-of-pocket maximum once you've paid your one thousand dollar deductible and $5,000 in coinsurance you've reached your plans $6,000 out-of-pocket maximum altogether with this 50 thousand dollar medical bill you will have paid six thousand dollars and your insurer will have paid the remaining forty four thousand dollars in covered medical expenses you.

How to find affordable health insurance.

How can i get health insurance today :

Use these tips to find a health plan that meets your needs and your budget. You will need research a high deductible and a health savings account (optional).

Step 1. Become familiar with the health insurance laws in your state. Type the name of your state and "health insurance laws" into a search engine to find the appropriate government web site. Step

 2. Check out policies that trade associations offer; they often have lower rates. But make sure you're contacting a reputable trade group. Some lure in members with low premiums that jump up in a year or two.

If you're self-employed, see if your state offers group rates to businesses with just a few employees.

Step 3. Comparison shop either on your own or with the help of a health insurance broker. Locate the latter through nahu.Org. 
 
Step 4. Buyer beware: some policies offer only "limited benefits," a distinction that's not apparent unless you read the fine print.

Three-quarters of Americans who are pushed into personal bankruptcy by medical problems had health insurance.

 Step 5. Consider a high deductible.

Depending on the size of your family and your medical situation, it may be cheaper to hold health insurance primarily for a catastrophic illness or injury rather than for regular office visits. Find out if you can open a health savings account, which lets you put money in an interest-bearing account that can be withdrawn, tax-free, for medical expenses your insurance doesn't cover.

Step 6. Protect your children by calling 1-877-kids-now for information on low-cost – or even free – health insurance for children 18 years and younger.

Each state has its own program for low-income families, and eligibility rules vary.

Step 7. If your income is very low, find out if you're eligible for Medicaid by contacting the u's Department of health and human services.

 Step 8. If you're 65 years or older, apply for the federal health insurance program known as Medicare by calling 1-800-medicare. Did you know in some states, people who work 25 hours per week qualify for the health benefits of a full-time employee.

Get health insurance online today :

https://www.ehealth.com

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