Thinking about health insurance as a standard employee can be incredibly stressful. Thinking about it when you’re a small business owner, a contractor, or a 1099 worker can be even more so. It’s often put at the bottom of the list of necessities due to everything else self-employed people need to deal with, and many assume there aren’t many options. There’s a lot more at your fingertips than you may think, though!
Important Information
The main purpose of health insurance is to help pay for medical costs. If you don’t have insurance and you end up needing medical care, you may have to pay astronomical medical bills. In some situations, medical providers can even deny you care because of it. It sounds wrong because it is, but that’s where the state of things is. That’s also why having protection is so important.
Every policy is different, and how much it covers depends on the details of the policy itself. There are specific rules and regulations that apply to some plans, so it’s crucial to know the details before you sign up. The plan for you should match your needs, wants, and limitations.
Types of Health Insurance
There are several different types, with two of the most common being public and private coverage. Public coverage is given by either the state or federal government; it includes Medicare, Medicaid, and CHIP. Private coverage can be provided by an employer or bought in the individual/family market, like how members of the military are covered under Tricare, and people employed by the federal government are covered under the Federal Employees Health Benefits Program.
Both public and private plans usually use a managed care model, in which the insurer will manage the services, quality of care, and rules that come with said plan. There are “grandfathered” health plans, or plans that were in effect before the Affordable Care Act, but you can only get into them by having a family member with one. Also, there are a variety of non-ACA-compliant healthcare plans, which is what OneHealth provides.
The Health Benefits with OneHealth
Participants typically save 20–40% compared to ACA marketplace plans, with comprehensive benefits and nationwide access to care. It’s a competitive alternative to the community-rated small group market in every state.
- Eligible participants may access:
- Nationwide PPO coverage
- Flexible deductible options
- Individual plans with group-rate advantages
- Potential savings compared to ACA marketplace plans
- Support throughout enrollment and large claims
If this interests you or you want to ask more questions:
Get Your Free Quote: https://www.enrollonehealth.com/crossroads
Book a Call: https://meetings.hubspot.com/jstewart37?uuid=8551e17a-5f83-4d88-8336-80c3f518a7ba
How Do You Buy Health Insurance?
Like all insurance, it can vary based on details like where you live and how much you make. You can visit your state’s health insurance marketplace to get some general details on what’s available and how much it’ll cost. From there, you can do further research and reach out to an advisor. There are applications needed for Medicare and Medicaid, which you can be directed to depending on your income.
Where to Go from Here
Finding the right coverage that you’ll be able to afford and get everything you need shouldn’t be a guessing game. All the information should be easy for you to find and understand. At Crossroads Insurance, that’s exactly what we do.
The goal, after all, is to keep, protect, and grow what you can for those you love.