For years, Americans expected their health insurance to be provided by their employers. Health coverage came standard with most jobs, and many people never worried about paying their doctor and hospital bills.
Those days are gone. Today, the rising cost of healthcare means that many companies can't afford to offer coverage and many workers losing coverage due to plan terminations. And now, Health Care Reform mandates everyone to have health insurance coverage or, pay a penalty.
If you do not have health insurance coverage through your employer, or if you lose that coverage due to a plan termination, then you are required under Health Care Reform to purchase health insurance coverage on your own.
Many people think individual health coverage is more expensive than group health coverage. And many people think it's hard to find individual coverage that offers comprehensive health protection.
The reality is that individual health insurance offers several advantages over group health insurance. Sure, it would be great if your boss paid ever last dime of your health premium - but that's more rarer. Employers keep shifting more costs onto their employee's shoulders. For many American workers, every few months means a bigger chunk of their paycheck going to pay for their "employer-sponsored" insurance policy. And many workers are finding that these insurance policies leave plenty to be desired.
With group coverage, everyone gets stuffed into the same policy. You end up paying for benefits you'll never use - and your own unique healthcare needs often get overlooked. With an individual policy, you get health coverage that's tailored for you.
Coverage you can keep. Leave a job, and you leave behind your employer-sponsored coverage. But with an individual policy, you can go wherever your career path takes you - and your health insurance comes with you.
For many people, individual health insurance makes more sense. And for less than you think, you can get a comprehensive health insurance plan designed to fit your needs.
Want to learn more? Click here to Get free quotes. Let us help you navigate through the many choices under Health Care reform – then help you select and enroll in the health coverage that makes the most sense for you.