Health Insurance covers the cost of doctors or emergency room visits, medicines, routine tests, surgeries, and psychological care. Most health insurance plans offer deductibles ranging from $1,500 to $7,500 with an out-of-pocket max of $5,000-10,000. That means you are responsible for the deductible you choose before the health insurance kicks in. From there you pay 20% until you meet your out-of-pocket max. Once you meet your out of pocket max your health insurance will pay 100%.
Individual health Insurance is offered year-round with free preventive care, prescription drugs coverage with affordable copays, and access to quality doctors, care centers, and hospitals. Quote and apply today.
Affordable Care Act: If you qualify for financial assistance the Affordable Care Act (ACA) will subsidize your monthly insurance premiums. To qualify for financial assistance through the ACA you must apply during open enrollment November 1st-January 31st of each year. Note, the ACA plans lack quality doctors and hospitals throughout the United States but are a good option if you do not currently have health insurance.
Group Health Insurance is coverage through an employer or other entity that offers medical insurance to all eligible individuals within the group with a minimum of two employees or 50% participation.