Where to Get Health Insurance

When it comes to securing health insurance, knowing where to look can make all the difference. Whether you’re shopping for individual coverage, family plans, or employer-sponsored options, understanding your choices can help you make an informed decision.

1. The Health Insurance Marketplace

The federal or state-run Health Insurance Marketplace is a common starting point for individuals and families. These platforms allow you to compare various plans based on your budget, coverage needs, and eligibility for subsidies. Open Enrollment is the primary time to access these plans, although Special Enrollment is available if you experience a qualifying life event.

2. Employer-Sponsored Health Insurance

Many people obtain health insurance through their employer. Employers typically share the cost of premiums, which makes these plans more affordable. However, the choices may be limited to what your employer offers, so it’s important to carefully evaluate the available options.

3. Medicare and Medicaid

For those who qualify, Medicare (for individuals aged 65 or older and certain younger individuals with disabilities) and Medicaid (for low-income individuals and families) are vital options. Each program has its own enrollment rules and eligibility criteria.

4. Health Insurance Brokers

Working with a health insurance broker is one of the smartest ways to find coverage that truly fits your needs. Here’s why brokers are so valuable:

• Unbiased Options: Brokers aren’t tied to a single insurance company, meaning they can present you with a range of plans from various carriers.

• Free Expertise: It costs you nothing to work with a broker. Their commissions are already built into insurance premiums, whether you use their services or not.

• Personalized Guidance: A broker can help you navigate the complexities of health insurance, answer your questions, and ensure you’re getting the best value for your money.

Why a Broker is Better Than a Captive Agent

Captive agents only represent one insurance company. This limits your options to the products offered by that single provider. In contrast, brokers work with multiple carriers, giving you access to a broader range of plans to meet your unique needs.

5. Directly Through Insurance Companies

You can also purchase plans directly from insurance companies. However, this route requires you to do the comparison shopping on your own, and you may miss out on options or savings that a broker could identify for you.

Finding the Right Fit

Choosing health insurance is one of the most important decisions you’ll make. At Family Care of America, we’re a full-scale brokerage dedicated to helping individuals and families navigate the insurance landscape. Whether you’re shopping for a new plan or need guidance on your existing coverage, we’re here to help.

Contact us today to explore your options and secure coverage that’s tailored to your needs—because your health matters, and so does your peace of mind.