Tip 1.  Check with your employer.

This is a great first step, regardless of whether your employer offers a group health plan.  This is because employers are bombarded with group health insurance proposals and information.  Group health insurance is an employee benefit that is always under consideration.  Bring up the subject with your supervisor or boss.  There is a good chance that they can steer you in the right direction.

If you place of employment has a group health plan option, great!  Your health insurance search may be over.  However, be certain to learn everything you can about the employee health plan before signing up.  The fact that a health plan is available, does not mean it is an ideal plan for you and your family.

Also, there could be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in North Carolina.  No matter what you do, don't make the mistake of going without health insurance coverage.  It's not worth the risk.


Tip 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the Paw Creek, NC region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Tip 3.  Contact a health plan specialist.

Now that you are armed with information, contact a local health insurance broker.  When it comes to selecting the best health care plan for you and your family, the expertise an insurance broker can provide is essential.  A good insurance broker can assist you with every part of the health insurance plan buying process.  They can discuss with you the advantages and disadvantages when considering the size of your health plan deductible.  They can review and help you understand health plan co-insurances.  They can assist you in understanding your Affordable Care Act subsidy eligibility.  Speaking with a health insurance agent is a smart logical step you should make before any health plan purchasing decision.  Best of all, assistance from a health insurance agent is normally free.

Choosing a health insurance plan is not something to take "lightly".

When looking for an affordable, high-quality health insurance plan, there are numerous factors to consider.  Unless you are a practicing insurance broker who works with health insurance on a daily basis, there are a lot of critical issues that you are likely to miss.  Many Americans are dissatisfied with their health-care coverage.  The cause for this is often not the health plan.  Instead, it is the consumer who buys a plan without fully comprehending its benefits.  Unfortunately, most people don't realize how their health insurance plan works until they have a medical problem.  This is not the time to first learn the definitions of phrases like "deductible" or "coinsurance. " You want to be sure you choose the correct health insurance plan before you need it.



Finding affordable health care coverage can be difficult.

Finding quality, low-cost health insurance can be challenging for a variety of reasons.  To begin, health insurance in the United States is undergoing a transformation.  The Affordable Care Act health insurance plan portfolio is available to more Americans.  Subsidies are available to an increasing number of people.  All of these changes have resulted in an avalanche of new information being published online.  Regrettably, a great deal of that information is either incomplete or inaccurate.  The average consumer has a hard time figuring out what's what.

In addition, with so many other things to worry about, most people do not devote a lot of time keeping up with the complexity of US health insurance. The average consumer needs the assistance and guidence of a licensed health insurance agent. In North Carolina, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


ACA is more affordable.

In North Carolina, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



Our health insurance specialists can assist.

We know how confusing choosing a health insurance plan can be.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors all need to be carefully considered.

Our team of insurance professionals will gladly assist you in sorting through all of the details in order to find a high-quality health insurance plan that meets your needs and fits within your budget.   Our services are free.  call now.    888-918-9714