Having health insurance is no longer an option. Under the Affordable Care Act (ObamaCare), almost everyone in America, including children and legal alien residents, is required by law to purchase a basic health plan that covers essential mandated benefits. If your employer or a spouse’s employer provides health insurance, you’re covered. However, if you’re self-employed, between jobs or work for a company that doesn’t offer coverage, you need to purchase your own personal insurance policy.
You have a couple of options:
You can purchase an individual health insurance policy through a private insurance company at any time – EINSURANCE is a great place to compare plans.
You can only purchase from a government-operated exchange during open enrollment or when a qualifying life event creates a special enrollment period.
In either case, the good news is that you can no longer be denied coverage because of a preexisting condition, or charged a higher premium because of your gender.
If you want to wait for the government Open Enrollment Period (OEP), or if you need coverage while waiting for an employer-provided plan or a life-qualifying event, you can also purchase short-term health insurance– a temporary policy that can provide valuable stop-gap coverage and peace of mind in the event of an illness or accident.
Most health insurance plans do not automatically include supplemental coverage such as Dental. Yet good dental health is essential to your overall well-being, and dental policies are surprisingly affordable. Plans typically cover preventative care (routine cleanings and x-rays) and pay a percentage of costs for restorative procedures. You can get free quotes for dental insurance and vision insurance by choosing the product above.
Small Business Health Plans
If you own a small business, the rules are changing for you too. Whether you must provide health insurance for your employees will depend on the number of full-time employees you have, as well as other factors. You may also qualify for tax credits and premium assistance if you purchase coverage through a government-run SHOP marketplace. As of now, the Employer Mandate provision of the Affordable Care Act has been delayed until 2015/2016. Of course, you can purchase small group health insurance at any time from a private insurer and provide your employees with a valuable benefit. EINSURANCE can help you find competitive quotes based on your needs.
What Kind Of Health Insurance Do You Need?
No matter what type of health insurance coverage you need, you can get competitive quotes and compare benefits and features just by selecting the type of policy you want below.
A Word About Shopping For Healthcare
Health insurance is a very personal coverage. Since it relates to the specific issues and coverage needed by a given family or individual, it has a detailed health application. As you progress through this site, we will offer a number of solutions to your health care needs. When you have decided on one or maybe two offerings to pursue, you will be transported to that company’s website to complete the application. Keep the following in mind:
Privacy: EINSURANCE.com collects no personal data from you so we remain unbiased in the presentation of possible products. Make sure you pick a partner of ours with good credentials.
Registrations: If you register with us, we are able to keep track of your partner selections to assist you if need be in the future.
Detailed information: In most cases you will receive a phone call or an email to confirm or clarify your shopping process. If you receive too many phone calls or emails, please let us know immediately. Sometimes insurance organization get overzealous in their desire to help.
State Guides to Health Insurance Coverage
Your rights to health care coverage and mandated benefits are subject to individual state and federal laws and regulatory guidelines. These state guides are designed to help you understand your health insurance coverage options. You’ll find information about eligibility, waiting periods, special programs available for insuring those with pre-existing health conditions and more for individual and small group health insurance plans.
Explore your options and the healthcare coverage plans available in your home state. A few minutes can make a help you get the health insurance you need at a cost you can afford.