{"id":10337,"date":"2025-02-18T10:27:09","date_gmt":"2025-02-18T10:27:09","guid":{"rendered":"https:\/\/finderica.com\/?p=10337"},"modified":"2025-02-18T10:27:09","modified_gmt":"2025-02-18T10:27:09","slug":"how-to-get-health-insurance","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=10337","title":{"rendered":"How to Get Health Insurance"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You can get health insurance through work, on the marketplace or outside of the marketplace. The kind of health insurance you buy depends on whether you have access to an employer-sponsored plan, your age, your location, your family structure and your health care needs, among other things.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Getting health insurance in the U.S. can be a complex process \u2014 or as simple as getting a job that offers health insurance benefits. Nearly everyone in the country has health insurance coverage<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-1-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-1-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">, so it\u2019s important to understand how it works. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"types-of-health-insurance-plans\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Types of health insurance plans<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">There are several types of health insurance plans, and they all have advantages and disadvantages.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"comparing-health-insurance-plans:-hmo-vs.-ppo-vs.-epo-vs.-pos\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Comparing health insurance plans: HMO vs. PPO vs. EPO vs. POS<\/span><\/h3>\n<div class=\"_3wlVa6 _2247K8 _1m-FOQ _3Zet2i\">\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_1cuN9-\">\n<div class=\"_2pPuG4\">\n<div vocab=\"https:\/\/schema.org\/\" typeof=\"Table\"><meta property=\"about\" content=\"Table 6089\"><\/p>\n<table class=\"_2IadDu mKU3h6\" aria-label=\"Table 6089\" tabindex=\"0\">\n<thead>\n<tr class=\"_12EOjr\">\n<th class=\"_1jMSHL _3VmbAf\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/span><\/th>\n<th class=\"_1jMSHL\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/p>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Do you have to stay in-network to get coverage?<\/span><\/p>\n<\/div>\n<\/div>\n<p><\/span><\/th>\n<th class=\"_1jMSHL\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/p>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Do procedures &amp; specialists require a referral?<\/span><\/p>\n<\/div>\n<\/div>\n<p><\/span><\/th>\n<th class=\"_1jMSHL\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"_3JPvLN\">\n<td class=\"_1ieTZs _3VmbAf\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">HMO: health maintenance organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Yes, except for emergencies.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\"><\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Lower out-of-pocket costs and a primary doctor who coordinates your care for you, but less freedom to choose providers.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN _12EOjr\">\n<td class=\"_1ieTZs _3VmbAf _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">PPO: preferred provider organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">No, but in-network care is less expensive.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\"><\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">More provider options and no required referrals, but higher out-of-pocket costs.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN\">\n<td class=\"_1ieTZs _3VmbAf\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">EPO: exclusive provider organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Yes, except for emergencies.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\"><\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Lower out-of-pocket costs and usually no required referrals, but less freedom to choose providers.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN _12EOjr\">\n<td class=\"_1ieTZs _3VmbAf _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">POS: point of service plan<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">No, but in-network care is less expensive.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\"><\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">More provider options and a primary doctor who coordinates your care for you, with referrals required.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3wlVa6 _2247K8 _2_ogqs _1uVv7a\">\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_1cuN9-\">\n<div class=\"_2pPuG4\">\n<div vocab=\"https:\/\/schema.org\/\" typeof=\"Table\"><meta property=\"about\" content=\"Table 10483\"><\/p>\n<table class=\"_2IadDu mKU3h6\" aria-label=\"Table 10483\" tabindex=\"0\">\n<thead>\n<tr class=\"_12EOjr\">\n<th class=\"_1jMSHL\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/span><\/th>\n<th class=\"_1jMSHL\" scope=\"col\"><span class=\"_1xUXE0 _3p3gSd\"><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"_3JPvLN\">\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">HMO: health maintenance organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Lower out-of-pocket costs and a primary doctor who coordinates your care for you, with referrals required to see a specialist. You must stay in-network except for emergencies.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN _12EOjr\">\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">PPO: preferred provider organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">More provider options and no required referrals, but higher out-of-pocket costs. You can go out of network, but care will be more expensive.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN\">\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">EPO: exclusive provider organization<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Lower out-of-pocket costs and usually no required referrals, but less freedom to choose providers. You must stay in-network except for emergencies.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"_3JPvLN _12EOjr\">\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">POS: point of service plan<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<td class=\"_1ieTZs _12EOjr\">\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">More provider options and a primary doctor who coordinates your care for you, with referrals required to see a specialist. You can go out-of-network, but care will be more expensive.<\/span><\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"high-deductible-health-plans\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">High-deductible health plans<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">High-deductible health plans (HDHPs)<\/span><span class=\"_28z5Fp _3-to_p\"> have a higher deductible than standard health plans, and they come in various plan types, including HMOs and PPOs. HDHPs have lower premiums but higher upfront costs, since you must cover the deductible before your insurance starts covering care<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-8-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-8-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">. HDHPs can also give you access to a health savings account (HSA), which allows you to save pretax money for health care expenses. (You must enroll in an HDHP that is \u201cHSA-eligible.\u201d) <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"where-to-buy-health-insurance\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Where to buy health insurance<\/span><\/h2>\n<\/p>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"health-insurance-through-work\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Health insurance through work<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The majority of people in the U.S. get health insurance through an employer, whether it\u2019s their own or their partner\u2019s. For those people, getting health insurance means signing up for a plan when you join a company. Generally, employers will cover part of your health care premiums and you\u2019ll pay the remainder with pretax money. <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"health-insurance-through-the-marketplace\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Health insurance through the marketplace<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you don\u2019t have access to health insurance through a job \u2014 or the plan that\u2019s offered isn\u2019t affordable \u2014 you can purchase coverage from the federal or state marketplace, depending on where you live. Start at <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"http:\/\/healthcare.gov\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">HealthCare.gov<\/span><\/a><span class=\"_28z5Fp _3-to_p\"> and choose your state to determine where you\u2019ll shop. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Plans on the marketplace come in metal \u201ctiers\u201d that signify what percentage of costs you\u2019ll pay for coverage: Bronze, Silver, Gold and Platinum<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-14-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-14-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">. There are also Catastrophic plans available that have a very high deductible and low premiums, but those plans are only available if you\u2019re under 30 or qualify for a hardship exemption. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bronze plans cover the smallest percentage of your health care costs (60%), while platinum plans cover the largest (90%). If you qualify for extra savings, you\u2019ll be required to enroll in a Silver plan to get those savings. <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"off-marketplace-health-insurance\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Off-marketplace health insurance<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You can purchase health insurance directly from an insurance company or broker. But you won\u2019t be eligible for premium tax credits or subsidies to help with the cost. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"when-can-you-sign-up-for-health-insurance\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">When can you sign up for health insurance? <\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Unlike other kinds of insurance, you can\u2019t sign up for health insurance whenever you want. You can get a health insurance policy in the following situations:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">You started a new job that offers health benefits. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">You must sign up during the benefits window specified by your employer \u2014 it typically lasts 14 to 30 days.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Annual open enrollment<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> from Nov. 1 to Jan. 15.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> (This can vary slightly by state, so check open enrollment dates in your location.)\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">You have a <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\">qualifying life event<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\">.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> If you experience a life change, such as getting married or having a baby, you may qualify for a special enrollment period<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-19-3-2-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-19-3-2-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Once you have health insurance, you can change your coverage during your employer\u2019s open enrollment period (generally each year in the fall) or during general open enrollment in your state if you have a marketplace or off-marketplace plan<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-20-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-20-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">. You can also change coverage if you have a life event that triggers a special enrollment period.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-to-compare-health-insurance-plans\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How to compare health insurance plans<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Your plan choices will depend on how you\u2019re getting health insurance. If you\u2019re getting coverage through an employer, you\u2019ll have more limited options. On your state or federal marketplace, you may have many plans to choose from. Here are tips on picking the best coverage:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Evaluate your budget. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Sign up for the plan with a monthly premium you can manage, as well as out-of-pocket costs that make sense for you. You should also consider whether you might want a high-deductible health plan.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ponder how much network flexibility you want.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Do you want to be able to go out-of-network to see specialists? If so, you\u2019ll want a plan with out-of-network coverage options.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Check your preferred doctors. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">What insurance plans do your preferred providers and facilities accept? Make sure you choose a plan that includes them in their network.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Evaluate the scope of services.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Look through each plan\u2019s summary of benefits to understand the overall coverage situation, particularly if you have specific needs, such as coverage for fertility treatments or physical therapy.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Keep prescriptions in mind.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> If you take regular prescription medication, see how each plan covers it and how much it will cost you.\u00a0\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what-to-do-if-you-lose-coverage\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What to do if you lose coverage<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you lose your employer-based health insurance, you have some options:<\/span><\/p>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Enroll in COBRA coverage.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> The <\/span><span class=\"_28z5Fp _3-to_p\">Consolidated Omnibus Budget Reconciliation Act (COBRA)<\/span><span class=\"_28z5Fp _3-to_p\"> allows you to keep the health insurance you were getting through work, even after you\u2019ve lost your job<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-25-1-2-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-25-1-2-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">. You can keep COBRA for 18 to 36 months, but you\u2019ll be paying the full premium out-of-pocket without employer help, so it can be pricey.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Sign up for a marketplace plan. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Losing health benefits counts as a qualifying life event, so you can buy health insurance through the federal or state marketplace even if it\u2019s not an open enrollment period.\u00a0\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Buy off-marketplace health coverage.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> You may be able to buy plans directly from an insurance company or broker, but you won\u2019t be eligible for premium tax credits or other savings.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/health\/how-to-get-health-insurance\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can get health insurance through work, on the marketplace or outside of the marketplace. The kind of health insurance you buy depends on whether you have access to an employer-sponsored plan, your age, your location, your family structure and your health care needs, among other things. Getting health insurance in the U.S. can be<\/p>\n","protected":false},"author":1,"featured_media":10338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[326,292],"class_list":{"0":"post-10337","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-health","9":"tag-insurance"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/10337","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10337"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/10337\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/10338"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}