Category Archives for "My Blog"

Sep 10

Should You Get Health Insurance Through the Affordable Care Act?

By Minnie Collins | My Blog

As an adult, you should have health insurance at all times. It can make it easier to pay for medicine, trips to the emergency room or any other medical needs that you may have. While most people get coverage through their employer, it may also be worthwhile to look for a policy through the Affordable Care Act (ACA).

You May Qualify for Subsidies

One of the main complaints that people have about the American health care system is that it can be extremely expensive to obtain care. Fortunately, the ACA makes it possible to get a policy that is paid for in part by the government. In addition to reducing your monthly premium, they may also reduce your yearly deductible and other costs related to your care.

You Have a Wider Selection of Treatment Providers

If you don’t have health insurance, your only options for treatment are generally going to the emergency room or visiting a community clinic. While urgent care facilities may also be available, they only offer limited services that are meant to treat bug bites or broken bones. Buying a policy through the ACA provides you with the opportunity to see a doctor of your choosing who you can build a relationship with over time.

The ACA Can Be Ideal for the Self-Employed

When you are self-employed, it can be especially difficult to find affordable health care coverage. However, health care exchanges run by the federal government or by state governments themselves make it easier to buy such coverage. It may also be possible to purchase dental insurance as well.

An ACA Policy Can Serve as a Stopgap

Getting coverage through the ACA can be worthwhile if your employer health care plan doesn’t kick in right away. It can also be a viable alternative to COBRA plans that are generally too expensive for an individual to pay. In most cases, you can buy a policy at any point in the year if you lose employer coverage.

If you are in need of health insurance, don’t overlook the options available through the ACA. You can go online right now to find more information about policies available through a national or state exchange.