Step 1.  Check with your employer.

This is the first logical step.  It makes no difference whether or not your employer offers health insurance to their employees.  Even if they don't offer health insurance, employers almost always have a tons of information on the subject. Talk to your boss about it.  Find out what he or she knows.  You'll probably be surprised.

Your health insurance search may be over if your work provides health insurance coverage and you qualify.  Be certain to learn everything you can about the employee benefits package.  Don't just blindly sign up with a group health plan.  Make sure the plan is associated with the right physician network, and features the kind of benefits that will make it a good fit for you and your family's needs.

There may be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in North Carolina.  No matter what you do, don't make the mistake of going without health insurance 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 Kitty Hawk, NC 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.

Now that you are armed with information, contact a local health insurance broker.  When it comes to selecting the best health care plan for you and your family, the expertise an insurance broker can provide is essential.  A good insurance broker can assist you with every part of the health insurance plan buying process.  They can discuss with you the advantages and disadvantages when considering the size of your health plan deductible.  They can review and help you understand health plan co-insurances.  They can assist you in understanding your Affordable Care Act subsidy eligibility.  Speaking with a health insurance agent is a smart logical step you should make before any health plan purchasing decision.  Best of all, assistance from a health insurance agent is 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.



Why it is so hard to find affordable health insurance.

There are a myriad of reasons why obtaining affordable health insurance plan can be challenging.  At the root of the problem is the fact that health insurance in the United States is in a state of change.  The Affordable Care Act is having an increasing impact on American health insurance.  ACA Subsidies are now available to a larger number of Americans.  Furthermore, more Americans who previously had Medicaid coverage, are now eligible for health insurance coverage via the Affordable Care Act.  All of these changes have resulted in an avalanche of new online data.  With a much of the information being incomplete or inaccurate, the average consumer is having a difficult time figuring out what is what.

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 North Carolina, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


ACA health insurance is more affordable.

In North 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, and more Americans qualify.



We are happy to assist.

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.    252-256-3216