Whether you’re a freelancer or your employer doesn’t offer health insurance you like, shopping for your own health insurance plan is a necessity for many — but many people aren’t even sure where to begin. With programs such as the Affordable Care Act offering multiple options, some people may not even realize they’re not required to buy their plan through the ACA — and that the best plan for them may not even be on the ACA. Luckily, shopping online for a health care plan doesn’t have to be difficult.
Work with a Broker
The best insurance agency Jacksonville, FL area residents work with isn’t a representative of any particular insurance provider, but rather a broker of insurance. That way, they don’t have an invested interest in a particular insurance and can give their recommendations as an objective third party. If you need help understanding the differences between deductibles and out-of-pocket maximums and determining issues such as whether or not you need good prescription coverage and dental insurance, make an appointment with a broker.
Look at Last Year
In the last year, how many times did you and/or your family go to the doctor, and how much did you spend on medical bills, including dentist visits and prescriptions? How much did you spend on insurance premiums? Knowing how much you spent on premiums versus how much you spent on bills overall will help determine whether or not you can take the risk of lowering your monthly premium and raising your deductible.
Use a Comparison Tool
Ask for a free health insurance quote online and you’ll be shown multiple plans in your results. Comparing the benefits of each plan is easier when you see them all on one page.
DP Brokerage helps countless Floridians find the right health insurance every day. Get your free quote online or call for a consultation. Feel free to contact DP Brokerage with any of your insurance questions.