With the passage of the Affordable Care Act, every American adult must now have health insurance or pay a fee. Even if you are insured through your workplace, you might be surprised to find that many individual insurance plans can actually provide more reliable coverage. In fact, there are many benefits to choosing an individual health insurance plan.
If you decide to choose your own individual insurance plan, you can take charge of your own healthcare. You can find plans that suit your medical and financial needs rather than the needs designated by your employer.
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You can also look at different co-pays, meaning the amount you will have to pay upfront when seeking medical care, and different deductibles, meaning the amount you will have to pay by yourself before your insurance provider processes your claims. These seemingly small costs can actually have a big financial impact, especially if you have an unexpected medical emergency. Individual health insurance gives you a choice.
This choice can also influence which doctors you have access to, which clinics you can visit, and other important logistical restrictions on your healthcare. When you pick your own individual insurance plan, you can be sure that you are covered when you visit your family doctor or seek care at your neighborhood clinic.
Another huge benefit of individual insurance is the flexibility it can allow you in your life. When you only have insurance from your workplace, you could find yourself suddenly uninsured if you lose your job or choose to quit. You might even feel unable to leave an unsatisfying work environment because of the risk of time spent without insurance.
If you have your own independent insurance, you can rest assured that it will follow you no matter where your career takes you.
Finally, individual insurance is frequently less expensive than traditional employer insurance. If you want greater choice, flexibility, and freedom, along with low costs, take a look at individual health insurance plans.