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Health insurance has many different options available. We'll focus on two options available for people, individual and group policies. Here’s a look a look at what each is so you’ll know what the differences are and which one you need.

1.      Individual health insurance. Simply put its insurance coverage a person purchases for him or herself and/or family.

2.      Group health insurance is the type of insurance a person is offered through their employer.

With the new affordable care act there are no longer limitations based on pre-existing conditions.  Which changes how and when you can shop.  Shopping for insurance you should consider the eligible enrollment periods as well as the cost of the insurance.  One way to look at the cost is to compare the premiums combined with your out of pocket maximums for the year against your typical spending habits on health services.  This will give you an idea of the value you are getting for the premiums you are paying.  

Those are just a few things to keep in mind when deciding which policy is best for you. To find out more about the differences between individual and group health insurance policies, give us a call at (800) 749-0053 or send us a message.

 

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