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Whether you’re approaching 26 when your parents’ health insurance stops covering you under the guidelines of the Affordable Care Act or you are older, you’ll want to enroll in coverage for yourself. Enroll as soon as possible, as delays can be costly in many ways. Our agents at Insurance & Financial Services Inc. in Baton Rouge, LA, offer these beginner tips.
Think About Your Health Needs
Consider how much you use your health insurance. If you only visit for wellness checks and when you fall ill, a high deductible, low premium plan may be best. A high premium, low deductible, high premium plan may be optimal if you use insurance benefits frequently, but be prepared to pay more monthly.
Review Health Insurance Options
There are two main options to explore concerning health insurance, including the following.
- Insurance Through Your Employer: Should the company you work for offer health insurance, you can enroll in coverage. However, there may be a set time of employment required before qualifying.
- Coverage Through the Health Insurance Marketplace: You may qualify under the HIM if you’re unemployed or your employer doesn’t offer coverage.
Don’t Delay Getting Health Insurance
Anything can happen at any time, and the federal government often implements fines for those without health coverage. Apply sooner rather than later to avoid costly medical bills and penalties.
Don’t Delay Getting Health Insurance
Anything can happen at any time, and the federal government often implements fines for those without health coverage. Apply sooner rather than later to avoid costly medical bills and penalties.
Looking for Health Insurance in Louisiana?
Let our agents at Insurance & Financial Services Inc. in Baton Rouge, LA, or at one of our other physical locations in Plaquemine and Metairie get your policy started.