How do you get health insurance?

How do you get health insurance?

That’s a great question! If you need health insurance, you really have three options:

One - You can go to a government exchange

Three - You can buy directly from an insurance company

Each of these three has some similarities, and some differences.

Here is what’s the same, no matter where you buy your health insurance:

FIRST is Prices – The price of a health insurance plan is fixed, by law, so you can’t get a better price based on where you buy.

And, regardless of who you buy from, an insurance company, the government or a broker like eHealth can help you apply for Tax Credits – also known as “Obamacare Subsidies” - Not every one qualifies, but it’s a good idea to try. You may be surprised!

The SECOND similarity is Basic Benefits - Thanks to Obamacare, all major medical health insurance plans must have the same basic set of 10 essential health benefits

The THIRD is ACCESS – Pre-Existing medical conditions cannot prevent you from getting major medical insurance coverage as long as you apply during the open enrollment period – no matter where you buy.

Here is what’s different about each of the three:

Insurance Companies - If you buy direct from the insurance company, you’ll have the confidence of knowing you’re working directly with the coverage provider.

Government Exchanges - If you buy through a government exchange, they have navigators who can answer basic questions about the Affordable Care Act. You’ll also see all of the health plans available in your area that can be bought using a government subsidy or tax credit.

eHealth – and other brokers – also have licensed agents trained on the different options and can legally recommend plans based on your specific health care needs.

And, with eHealth, if you ever run into a problem with your insurance company, you can call the nation’s largest online broker for help.

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[jessemeyer]

Nice advertisement, not very helpful though.