Everything You Need to Know About Private Health Insurance

Nearly 7 out of 10 Americans have private health insurance. It can be costly, but it’s also essential if you want to avoid the burden of medical debt.

In this guide, we’ll look at some of the things that you need to know about private health insurance, including the ways you can find the best plan for your needs.

When Do You Need Private Health Insurance?

The simple answer is that you need private insurance when you don’t qualify for Medicare/Medicaid and there is no group insurance available through your employer.

For instance, if you’re under the age of 65, don’t suffer from any long-term disabilities, and are self-employed, private insurance is one of the only options available to you.

These policies are not purchased from the state or federal government. They are only available through private insurance companies. As a result, the coverage that they provide, along with the cost of the premiums, can differ considerably from one provider to the next.

In addition to self-employed individuals, the following groups of people should also consider private health insurance:

  • Unemployed individuals
  • Part-time employees
  • Business owners with employees
  • Retirees who don’t qualify for Medicare

Do You Need Private Health Insurance?

If you’re in one of the aforementioned categories, you should consider purchasing private health insurance. From 2019, you will no longer face a fine if you don’t have insurance, but you are exposing yourself to a huge financial risk.

Many Americans admit to avoiding essential dental and vision care because their policies don’t cover these treatments. Some also refuse potentially life-saving tests and medications because they can’t cover the out-of-pocket expenses.

If you don’t have any insurance, those expenses aren’t the only thing you’ll have to worry about.

Healthcare costs are rising, and that’s a frightening statistic when you consider that America already has some of the most expensive healthcare in the world.

If you’re involved in an accident or are diagnosed with a serious illness, you could be hit with life-changing medical bills. Imagine going through hell surviving cancer or recovering from a car accident, only to discover that you owe the hospital tens of thousands of dollars.

It’s a scary scenario, and it’s one that countless Americans face every single year.

Health insurance, like all forms of insurance, is a way of safeguarding your finances against the worst-case scenario. Insurance is often dismissed as a gamble, and to an extent it is, but unlike betting on your favorite team or the spin of a roulette wheel, there’s much more than a few dollars and bragging rights on the line.

Your life is at stake, as is the financial future of your family, so make sure you’re covered.

How Can You Find the Best Private Health Insurance?

You need to put the work in if you want the best insurance for the lowest cost. Research into different providers, compare different plans, and find the most comprehensive coverage for the lowest cost.

Alternatively, you can just work with Health Insurance Hero, a leading referral service. Health Insurance Hero has been helping Americans to get better and cheaper health insurance. It has a direct line to some of the nation’s biggest insurance providers, as well as a team of dedicated and experienced insurance experts.

When you dial 1 (888) 479-1807, you will be connected to the most suitable provider based on your needs. They’ll ensure you get exactly what you’re looking for and that you don’t pay for coverage options you don’t need.

More importantly, your initial consultation is completely free, and you are not obligated to make a purchase. You can ask as many questions as you want and change your mind as often as you like—they are there to help you and they’ll do that any way they can.

Barbara C.
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