With the implementation of the Affordable Care Act (ACA), it will be mandatory for everyone to have health insurance coverage by 2014. While many people have health insurance through their employers, there are others who have gone without it because of the high costs of individual health insurance. These are the people the ACA was designed to help. However, you can also purchase health insurance from an independent insurance agent.
Check Insurance Brokers
Insurance brokers often work with multiple independent insurance companies to help their customers find the right individual health insurance that fits their needs and their budget. This can be an excellent alternative to the government marketplace. These brokers will obtain quotes from multiple insurance companies to help you find the best coverage and price. This can lead to better health insurance coverage without spending more money. Financially, this is similar to the intent of the government marketplace without all of the pitfalls that currently exist.
Get Quotes Online
One of the draws of the government marketplace for the ACA is it gives you the ability to shop for health insurance online. Many individual health insurance companies also offer the opportunity to request an insurance quote easily through the Internet. This gives you the chance to find out what is available to you without the added pressure of dealing with a salesperson immediately. When you find a broker that offers online quotes, you will also obtain the advantages of comparing multiple policies to help you make the best decision.
Talk to the Experts
Don’t feel pressured to use the government marketplace, especially if you don’t qualify for the federal subsidies that are designed to lessen the cost burden of your health insurance coverage. In many cases, you can find health insurance that is just as good or better than the government options. As long as the policy meets the government standards, you are free to purchase your health insurance anywhere you wish. The experts can help you find the right options for your needs and budget outside of the government marketplace. The ACA was designed to ensure all Americans had access to affordable healthcare. However, there are individuals who aren’t comfortable with turning their health insurance selection over to the government. Still others do not qualify for the subsidies or the government healthcare options. For these individuals, finding individual health insurance through other methods can often be the better option. If you need individual health insurance that meets the government standards, fill out this form for a free quote.