HEALTH INSURANCE

Today, there are more types of health insurance, and more choices, than ever before. Married or single, children or no children, the information presented here will help you choose a plan that is right for you. You may be buying health insurance for the first time, or you may already have health insurance but are considering a change of plans. Whatever the situation, this information will help you to find out how to choose a health insurance plan that best meets your needs and your pocketbook.

Thinking About Health Insurance Choices

Which of these statements best describes your thoughts on health insurance?

  • "I get health insurance through my job. I have the coverage I need...I think" -- Many employers offer a choice of plans. The information provided will help you figure out the plan that's best for you.
  • "I know I need health insurance, but I'm not sure how to get the best protection at the lowest cost." -- You're not alone. Many people have questions about how to select a health insurance plan. The information provided will help you find some answers.
  • "I can't afford health insurance right now. I have too many bills to pay and other things I need to buy." -- Health insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. The information provided will help you decide which is the best plan you can afford.

Why Do You Need Health Insurance?

Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive.

You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

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