You may have heard that the Affordable Care Act of 2010 was supposed to provide more individual health insurance options. And if you are self-employed or own a small business, you are probably looking forward to that. However, many of the provisions in the act don’t take effect until 2014. So until then, you’ll have to rely on your own resources to shop smart for your individual health insurance.
The first thing you should do is consult with an independent insurance agent. These independent agents, such as those at Benefit Packages, have experience with a variety of health insurance companies. They can look at your application and show you your best alternatives, saving you a lot of time looking on your own.
If you are in good health, you may be interested in a high deductible plan. These plans tend to have lower monthly premiums, but will kick in if you have major medical bills from an accident or surgery. At Benefit Packages, you can ask for information about these high deductible plans.
And if you’re looking for a short-term alternative, because you have health insurance lined up when a new job starts in six months to a year, check with Benefit Packages for low-cost alternatives to help you bridge the gap between your group policies. You want to stay protected in case of an emergency, but can save some money on CA medical insurance premiums.
No matter what situation you’re in, Benefit Packages can recommend California health insurance coverage for you. With 25 years of experience in ensuring Californians, we have developed relationships with major companies like Anthem Blue Cross, and Blue Shield of California, and can help keep your premiums low.