Employer Coverage to expensive or not up to your standard?

Don’t like the public marketplace (ACA/Obamacare)?

Don’t Qualify for a government subsidy?

Needing a Nationwide PPO?

There are two ways to get full coverage health Insurance for your family outside of an employer coverage!

The Public Marketplace (ACA/Obamacare) or A medically underwritten (The Private Market)

Public marketplace is strictly based upon your pre tax household income. You put in how much you make, they then spit out how much you pay. Ideally, If you don’t have any major pre-existing conditions or qualify for a large government subsidy. Public marketplace doesn’t make the most sense for your family. In a sense your paying for everybody else’s health and wealth issues since your family is relatively healthy and don’t qualify. Even if you Don’t qualify for a subsidy, these plans are still available to you, where as then you would pay full price.

Private market plans would allow you to save money, offering you better rates, better coverage and overall better benefits. They are Nationwide PPO, Front-end benefits without having to satisfy deductible. Working like a good driver discount, simply because your healthy. They are able to group you with other healthy individuals, that are low risk persons as well. Now they can offer this group of persons and their families preferred rates.

What do you currently have?

Employer Coverage: Provided through job benefits. Usually inexpensive or free for employees, and sometimes very expensive to add family.

Underwritten Coverage (Private): This is ideal if you’re self-employed, own or work for a small business, as well as employer coverage is too expensive for your family. Generally need to be relatively healthy to apply for these.

COBRA Coverage: This is an employer plan, but with the total cost paid by you. Usually a good idea to see if you can replace it with an Underwritten plan, as COBRA is typically very costly.

Medishare/Multi Plans: These are not obligated to pay your bills, and are not insurance with an attractive “0 dollar deductible”. I don’t recommend them unless it’s absolutely the only thing that’s affordable (they’re sometimes inexpensive).

Short Term Plans: These are great if you have a coverage gap between employer plans of one month or less. Often marketed somewhat deceptively - you’re probably getting calls about these.

Public Marketplace (ACA/Obamacare): These are also known as “Obamacare” or “Marketplace” plans. Great for people who qualify for a subsidy or have major pre-existing conditions - otherwise, generally rather expensive.