Individual and Family Health Insurance From Harmony Health Insurance
Individual and family health insurance plans are perfect for consumers who don’t qualify for insurance through their employer. Family health insurance is an important way to make sure you can afford healthcare when you need it most. Adequate insurance is more than just a smart way to save money. If you don’t have health insurance, you may incur a tax penalty. The Affordable Care Act (ACA) requires all citizens to have insurance, and the penalty for non-compliance increases yearly. However, the law has also made it easier and more affordable to purchase individual health insurance and family plans than ever before.
Who Needs Individual and Family Health Plans the Most?
Comprehensive health insurance plans are great for everyone. It doesn’t matter if you’re young or old, or very healthy. Good health insurance give you peace of mind when you’re sick or have an accident. It’s important to concentrate on getting well instead of paying for medical bills. Health insurance takes a lot of the worry out of going to the doctor.
Unfortunately, many people don’t automatically have access to good health care plans. Here are just a few examples of people who often find themselves without proper coverage:
If you work for yourself, you’re responsible for your own health insurance. The self-employed usually have to deal with two problems when they fall ill. First, they need to pay for their medical care. Secondly, they can suffer a loss of income when they’re ill and can’t work.
Individual and family health insurance policies can ease the worry of this double hit on your wallet. It’s easier for self-employed people to buy health insurance than ever before. Because a self-employed worker used to be an insured pool of one, their individual health history might have made it impossible to find a policy they could afford. The ACA makes pre-existing conditions easier to manage when you’re shopping for insurance. If you’re self-employed, ask the small business health insurance experts at Harmony Health Insurance Services for more information. You might be surprised at how affordable really good coverage can be.
Part Time Worker
Not all employers offer health insurance to their workers. Even fewer offer health insurance for their part-time workers. Today’s job market often forces people to work more than one job to make ends meet. It’s possible to work more than 40 hours per week, but never qualify for your employer’s health insurance plans because your hours are split between multiple employers.
If you’re a part time worker, there’s no reason to go without adequate individual or family health insurance. Plans are more affordable than ever, and your coverage stays in effect no matter how many times you switch jobs.
Employer Opts Out
Some employers have decided to opt out of the health insurance marketplace altogether. There is a penalty for not offering employee health insurance, but many would rather pay it than deal with insurance. That leaves individual and family insurance up to each worker.
If your employer doesn’t offer health insurance, or you don’t like the coverage they do offer, you have many alternatives. You can take out comprehensive, affordable health insurance on your own. This has the added benefits of staying in force even if you switch jobs. Ask your Harmony Health Insurance broker for more information about individual plans.
If you receive health insurance through your employer, a period of unemployment has multiple challenges. You’ll be expected to purchase individual or family health insurance on your own, even though your income is interrupted. Luckily, there are many affordable policies that can help you bridge the gap. Ask your Harmony broker for more information about temporary insurance for periods of unemployment.
Some students receive health coverage through their parents. Many more do not. The federal requirement for all adults to carry health insurance also applies to students. The ACA also has provisions for subsidizing individual and family health insurance plans for consumers who qualify.
It Pays To Shop Around
The key to affordable, comprehensive health insurance is shopping around. It’s important to balance the cost with the benefits you receive. The number of different plans on the market can make it difficult to choose the right one. Call or email the experts at Harmony Health Insurance Services for more information about individual or family health insurance plans. They’ll help you find the perfect policy for you.