Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an
agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
Health and Medical Insurance
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider
and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
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Frequently asked questions
The Affordable Care Act requires coverage for pediatric vision care as one of the essential health benefits. So for children under the age of 19, vision coverage is included in all new individual market
plans, on and off-exchange. This means kids have coverage for eye exams, vision screening, and glasses or contact lenses to correct vision problems.
Yes, and it’s recommended that you do. You can use brokers to assist you in purchasing a marketplace policy as long as they are certified by your state’s marketplace. HealthCare.gov and all of the state-run
exchanges provide training and certification to brokers who wish to work with them, and consumers can seek assistance from those brokers.
It depends on your relationship with your doctor. If you’re not particularly attached to her, it might be easier to just find someone new. But if you prefer to continue working with her, you’ll need to have
a conversation with her or with her office staff to determine what carriers she still has network contracts with.
Probably not. If your employer’s insurance is “affordable” and provides “minimum value” (ie, is comprehensive), you are not eligible for a government subsidy to help buy a policy in the exchanges. You could
still buy a plan in the exchange, but you’d have to pay full price for it, so it is extremely unlikely that you would get better and less expensive coverage in the exchange.
