Which Health Insurance Plan is Right for Me?

Obviously, if you can’t get health insurance through your employer, you’ll want to explore the individual health insurance options. But what if you can get health insurance through your employer? Could you score a better rate by waiving coverage? BE VERY CAREFUL!  Keep reading to find out why.

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In a vast majority of cases, sticking with the group health insurance plan offered by your employer is your best bet. With a group health insurance plan, you may have access to benefits that you wouldn’t be able to afford with an individual health insurance plan. Your coverage will start shortly after your hire date, so you don’t have to worry about a long gap in coverage while you wait for the Open Enrollment Period.

Individual Health Insurance vs. Group Health Insurance: What is the difference?

You can call us, and we’ll help you with a “Short Term Health Insurance Plan” if you do have a 30-to-90-day window before your benefits kick in. Finally, your employer will pay for a minimum of 50% of your (employee only) premium, and the portion that you pay is taken from your pre-tax earnings, which will add up to significant savings for you. Your employer may elect to pay for spouse and dependents, but that is up to the employer.

Not everyone has access to employer-subsidized group health insurance. You can get comprehensive, affordable coverage by purchasing health insurance through the Healthcare Marketplace, and most likely qualify for Government assistance to help you pay your premiums.

Unless you qualify for a Special Enrollment Period, you’ll have to shop and purchase your health insurance plan during the Open Enrollment Period (11/1 through 12/15 each year). If you, your spouse’s or parent’s employer OFFERS coverage, you’ll be responsible for the full amount of your premium because you already have an employer OFFERING health insurance. If you don’t have coverage OFFERED through any employment, you are most likely going to be offered Government assistance in some way, depending on the income.

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Let the experts at Nevada Insurance Enrollment Help You

If you live in Nevada and you don’t have access to a group health insurance plan, or if you own a small business and you’re ready to tackle health insurance planning, then you need the expertise of a licensed health insurance agent. We’re here to help you understand the tax and compliance rules that apply to you and to guide you in choosing the option that will meet your needs. Give us a call today to start discussing the pros and cons of your various options.

Related Articles:

Have you been offered Health Insurance at work?

Group Health Insurance for Businesses in Las Vegas, Nevada

Health Insurance in Nevada with NO Subsidy “Off Exchange”

Health Insurance in Nevada WITH a Subsidy

 

Read More: Health Insurance in Las Vegas, Nevada

 

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