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 Spartanburg, SC 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 local health insurance broker.

When it comes to deciding on the right health-care plan for you and your family, an insurance broker's knowledge can be invaluable.  An insurance broker can help you with every aspect of a health insurance plan purchase.  When deciding on the size of your health plan deductible, an insurance broker can explore the benefits and drawbacks with you.  They can concisely explain health plan co-insurances.  They can help you figure out if you're eligible for an Affordable Care Act subsidy.  Speaking with a health insurance representative is a natural first step you should take before obtaining a health plan.  Best of all, assistance from a health insurance broker is usually free.

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

When looking for an affordable, high-quality health insurance plan, there are numerous factors to consider.  Unless you are a practicing insurance broker who works with health insurance on a daily basis, there are a lot of critical issues that you are likely to miss.  Many Americans are dissatisfied with their health-care coverage.  The cause for this is often not the health plan.  Instead, it is the consumer who buys a plan without fully comprehending its benefits.  Unfortunately, most people don't realize how their health insurance plan works until they have a medical problem.  This is not the time to first learn the definitions of phrases like "deductible" or "coinsurance. " You want to be sure you choose the correct health insurance plan before you need it.



Why it is so difficult to find an affordable, high quality health plan.

Finding quality, low-cost health insurance can be challenging for a variety of reasons.  To begin, health insurance in the United States is undergoing a transformation.  The Affordable Care Act health insurance plan portfolio is available to more Americans.  Subsidies are available to an increasing number of people.  All of these changes have resulted in an avalanche of new information being published online.  Regrettably, a great deal of that information is either incomplete or inaccurate.  The average consumer has a hard time figuring out what's what.

In addition, with so many other things to concern themselves with, most people do not put a lot of time into keeping up with the intricacies of U.S. health insurance.  They need help.  They need a licensed health insurance broker that is willing to concisely explain the various new options that are available to them.  In South Carolina these days, finding that expert help can be challenging. 


ACA is more affordable.

In South Carolina, 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 insurance specialists can assist.

We understand how difficult it can be to choose the best plan for you and your family's needs.  Plan benefits, physician networks, deductibles, Rx coverage, and other components of a health insurance plan, should all be carefully considered.

Our licensed insurance professionals are happy to assist in sorting through all of the details in order to acquire a quality, affordable health insurance plan that meets the needs of you and your family.  Our services are free.  call now.    864-510-4999