Step 1.  Check with your employer.

This is the logical first step.  Whether your employer provides a health insurance package for their employees doesn't matter.  Employers almost always have extensive knowledge concerning health insurance issues - even if they don't offer it.  Bring up the subject with your supervisor.  Ask what he/she knows about it.  You will likely be surprised.

If your employer offers health insurance benefits and you qualify, your health insurance search just might be over.  Find out as much as you can about their employee package, as soon as possible.  There may be a time delay before you can qualify for benefits.  If so, you may need to pick up a Short-Term insurance plan to cover the time that you are ineligible for coverage.  Whatever you do, don't go without coverage.  It's not worth the risk


Step 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the Birmingham, AL region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Contact a health plan specialist.

A quality insurance broker can assist you with every element of the health insurance purchase.  When it comes to determining the size of your health plan deductible, an insurance broker can help you weigh the advantages and disadvantages.  They will be able to help you better understand the nuances of health plan co-insurances.  They can assist you in determining whether you qualify for Affordable Care Act subsidies.  Their services are normally free.

Choosing a health insurance plan is not something to take "lightly".

When looking for a low-cost, high-quality health insurance plan, there are numerous factors to consider.  Unless you are a practicing insurance broker that works with health insurance plans on a daily basis, there are several key issues that you are likely to overlook.  A large number of Americans not thrilled with their health-care coverage.  However the reason for this frequently is not the health plan. More often than not, dissatisfaction with a health insurance plan is caused by the customer selecting a plan without fully comprehending its benefits.  Unfortunately, most people do not learn how their health insurance plan works until after they have had a medical problem.  You do not want to discover the actual meaning of terms like "deductible" or "coinsurance" after you incur a medical bill.  Make sure you are covered by the right health insurance plan - before you need to utilize it.



Finding affordable health care coverage can be difficult.

Obtaining a quality, affordable, health insurance plan is difficult for a variety of reasons.  At the root of the problem is the fact that health insurance in America is changing rapidly - largely as a result of the Affordable Care Act.  The percentage of Americans eligible for ACA coverage has increased.  Consequently, more Americans are now taking advantage.  In addition, a higher percentage of Americans are eligible for ACA subsidies, making the plans more attractive to more consumers.

Furthermore, a significant percentage of Americans who were previously covered by Medicaid are now eligible for ACA health insurance coverage.

As a result of all these changes, an avalanche of fresh data has flooded the internet.  The average consumer has a difficult time figuring out what is what, because so much of the information is inadequate or misleading.

In addition, with so many other things to worry about, most people do not devote a lot of time keeping up with the complexity of US health insurance. The average consumer needs the assistance and guidence of a licensed health insurance agent. In Alabama, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


ACA is more affordable.

In Alabama, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



Our health plan specialists can help.

We understand how choosing the right plan for the needs of you and your family can be confusing.  Plan benefits, physician networks, deductibles, Rx coverage, price, and more, are all aspects of a health insurance plan that should be well considered.

Our licensed insurance professionals are happy to help you sort through all of the particulars in order to find a high-quality health insurance plan that fits your needs and budget.  Our services are free.  Call now.    855-565-5659