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 Atlanta, GA 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.

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".

There is a whole lot to consider when trying to track down an affordable, high quality, health insurance plan.   Unless you are a practicing insurance broker that works with health insurance all the time, there are a lot of important issues that you are likely to miss.  A great number of Americans are dissatisfied with their health insurance plan.  In many cases, the reason for this is not the health plan.  Rather, it is the consumer who chooses a plan without fully understanding the plan benefits.  Unfortunately, most consumers do not begin to understand how their health insurance plan works until a medical issue arises.  This is the wrong time to find out the meaning of such terms as "Deductible" or "Coinsurance". Choosing a health insurance plan is one thing you want to be sure to get right - before you need to use it.



So why is acquiring affordable health insurance so 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 Georgia, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


ACA is more affordable.

In Georgia, 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 difficult it may be to figure out which plan is best for you and your family.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors should all be carefully addressed when selecting a health insurance plan.

Our experienced insurance experts are pleased to assist you in sorting through all of the details in order to find a high-quality health insurance plan that meets your needs and fits within your budget.  Our services are free.  Call now:   860-800-2117