Step 1.  Check with your employer.

This is a great first step, regardless of whether your employer offers a group health plan.  This is because employers are bombarded with group health insurance proposals and information.  Group health insurance is an employee benefit that is always under consideration.  Bring up the subject with your supervisor or boss.  There is a good chance that they can steer you in the right direction.

If you place of employment has a group health plan option, great!  Your health insurance search may be over.  However, be certain to learn everything you can about the employee health plan before signing up.  The fact that a health plan is available, does not mean it is an ideal plan for you and your family.

Also, there could 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 South 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 Aiken, SC 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.  Speak with 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 acquiring an affordable plan is so difficult.

There are several reasons why the process of finding an affordable health insurance plan can be difficult.  To begin with, U.S. health insurance is changing.  The Affordable Care Act program is expanding.  More Americans are now eligible for subsidies.  In addition, many Americans that previously were covered by Medicaid, are now eligible for coverage via the Affordable Care Act.  All of these changes have led to a flood of new online information.  Unfortunately, a great deal of the information out there is incorrect.  It is difficult for the average consumer to know what is what.

In addition, with so many other things to concern themselves with, most people do not put a lot of time into keeping up with the intricacies of U.S. health insurance.  They need help.  They need a licensed health insurance broker that is willing to concisely explain the various new options that are available to them.  In South Carolina these days, finding that expert help can be challenging. 


ACA is more affordable.

In South 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.  In addition, more Americans now qualify for a subsidy.



We can assist.

We know how confusing choosing a health insurance plan can be.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors all need to be carefully considered.

Our team of insurance professionals will gladly 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.    803-215-7678