What is Individual and Family Health Insurance?

Individual vs. Family Health Insurance in San Diego, CA

Not everyone is lucky enough to receive health insurance benefits from their employer. If you are unemployed, attending school, self-employed or employed by a agency that does not offer part or full-time employees the options to buy employer-sponsored group coverage, you will need to learn about alternative types of San Diego health insurance available for purchase.

One option is to buy an Individual and Family Health Insurance plan from a reputable insurance agency in San Diego. These plans are independent of employer-sponsored or government sponsored plans and are designed to cover a single individual or an entire family against the risk of incurring medical expenses.

What is the Major Difference Between Group and Individual Insurance?

Group health insurance plans, on average, cost less than individual plans to the parties who are insured. There are two reasons why group insurance plans cost less out-of-pocket. One is that employers receive a discount for buying coverage for a group of employees in the form of a group rate. The second reason is that employers will generally pay a portion of the premiums so that your monthly cost deducted from your pay before taxes is less than it would be normally.

What You Should Know When You Buy Coverage?

The Healthcare Reform Act has changed the health industry dramatically. When you are buying individual coverage, you will have peace of mind in knowing that your pre-existing conditions will be covered. Because of this change, you may only be able to purchase affordable plans during an open enrollment period unless you have a qualifying life event. Make sure that you can review the co-payment, the deductible on your plan, and the network providers before you select a plan.

Having insurance is very important. Be sure that you comply with new laws and purchase an individual plan that meets health reform requirements to avoid penalties next tax season. And if you need assistance finding affordable health insurance in San Diego, call American Tri-Star at 619-272-2100. While we specialize in San Diego auto insurance, our expert agents will be more than happy to answer your questions so you can enjoy the affordable health care you need and deserve.