Keeping your family safe and healthy is one of the most important things you can do as a parent. However, medical care in the United States can be extremely expensive and, without adequate health insurance, it can quickly put you into debt. This article will discuss why health insurance is so important for your family and what steps you can take to secure it for everyone in your household. By the end of this article, you’ll know exactly how to buy health insurance in the state of New York, where to purchase the plan from, and how much it will cost you each month.
How does medical bill debt affect families?
It’s estimated that medical bills are a factor in more than 60 percent of personal bankruptcies. That’s why it’s so critical to make sure you have adequate coverage and an effective plan to deal with expenses. Start by choosing a level of coverage that meets your needs, and work with a licensed agent or broker from a credible insurance agency—don’t use an online site or respond to some e-mail you get in your inbox.
Affordable care act: what it is and how it works
The Affordable Care Act (ACA) — aka Obamacare — overhauled American healthcare, making it more accessible to more people. Before you and your family can avail of any ACA benefits, however, you’ll need to understand how it works—and then sign up for coverage.
signs that Obamacare can help you
Obamacare, also known as The Affordable Care Act (ACA), has made it a lot easier to get affordable health care coverage. If you are one of those who was left out from getting medical plans in 2010 because of medical problems, Obamacare can help you. Let’s take a look at five ways Obamacare has changed American healthcare.
What are my options?
There are many options to choose from when it comes to purchasing health insurance. Some plans have low premiums but high deductibles, and others have higher premiums but lower out-of-pocket costs. It’s a good idea to look at your finances and determine what you can afford, then talk with an agent to determine what plan would work best for you.
How do I select a plan?
Choosing a plan can be difficult. There are many things to consider: how much do you spend on healthcare annually? Do you currently have coverage? What does your current plan cover and what does it not cover? Does price matter most or do you value customer service more? In addition, there are different types of plans that offer various levels of coverage. Understanding these options allows you to determine which option makes sense for you.
What should I know about healthcare.gov?
Health care reform means many Americans will be shopping around for their healthcare needs—and some may have never shopped around before. HealthCare.gov allows you to search and compare plans by carrier, location, price, deductible, co-pay and more in an easy-to-navigate way.