Making Health Insurance Work for You

5 ways to optimize your insurance while minimizing your costs

Health insurance in the United States is currently in disarray. When the Republicans won the White House and started changing aspects of the law, Obamacare had already run into unforeseen difficulties making it harder for many people to get insurance.

This uncertainty, layered on top of the problems already existent with Obamacare has created a great deal of confusion amongst the consumers. Although health insurance is still mandated, the market has become volatile.

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It would take an expert in health insurance to figure it all out, which I am certainly not, but there are a few ways to ensure you have the best coverage for you and your family:

  1. Talk to an expert. Seriously, the advice and tips you get online are a good base, but it is impossible for a generic online article to account for all your personal variables. Every state has different requirements and rules and, as a consequence, the overarching framework of Obamacare became a muddled mess of laws, guidelines and requirements. There was a reason that the government trained people in setting up healthcare accounts when the law went active.
  2. Balance your needs with your means. If your policy has a $10,000 deductible to make it affordable, you probably have the wrong policy. Keeping it cheap while you are healthy by increasing the deductible to lower the monthly costs means that if and when you do get sick and need insurance, you will be paying a lot of money out of your pocket.
  3. Don’t dismiss any options. Medicaid is under something of a cloud right now, especially with doctors trying to collect from it, but it is better than nothing if you can’t afford health insurance or there are no providers in your state. Having some coverage will make it easier for you to see a doctor and minimize problems with emergency room or urgent care visits.
  4. Explore other options. With the current health insurance mess, other options have been appearing. As the health insurance crisis in the United States continues, these options will expand and alternative methods of healthcare will come into focus. With the government not enforcing the penalty for non-compliance, it is possible – although not advisable – to skip getting health care at all.
  5. Even if you don’t have health care, make sure your kids do. As an adult, you can decide to opt out of health care, but children don’t have that option. While figuring out how to maximize your insurance results you want to check out child only health insurance quotes online. Keeping your child covered is an expense you must be able to afford.

There is simply no telling what health insurance is going to look like in a year. Obamacare is unsustainable, the new Senate health bill hasn’t been voted on yet, but it will add to the confusion instead of subtracting from it. It is not in government’s nature to simplify any process.

Ensuring that you and your family are covered, whether that coverage is good or simply adequate, will help you ride through the process. Next year, it may change completely and everyone will have to start over. Other than reading tea leaves, there is just no way to tell.