How To Get Private Medical Insurance?

Since the Affordable Care Act more commonly known as Obamacare, US citizens now have access to several individual insurance options. This marketplace is now offering a growing number of insurance coverage every year. In this environment it can be difficult to comprehend what is the one you are looking for. More complexity means more questions.

We believe that you can benefit enormously from health insurance companies available around the USA. Today we want to share with you, what you need to consider when going for private medical insurance. 

What Are My Healthcare Needs? 

How To Get Private Medical Insurance

With winter being the historical 2020 corona-winter of our times, getting private medical insurance can be a good idea. A good coverage can bring you the peace of mind you are looking for in those uncertain times. But what type of health insurance can you claim exactly? 

To answer this question, you have to find the insurance that will be able to cover your unique set of needs: 

  • Individual health insurance: this may be the plan you are looking for when wanting to get insurance that covers one person or a family. 

  • Short-term insurance: Short-term insurance can be a good option when you need the basics in terms of health insurance. This low-cost option can provide you with advantages in case of important change happening in your life.

  • Catastrophic health plans: A type of plan that covers people under thirty years old with financial hardship is called a catastrophic health plan. 

  • Medicare: One of the most famous health insurance coverage and the most used is Medicare. This plan is specifically designed for people over 65 years old. 

When Do You Need Health Insurance?

There are many factors that are happening in our life that ny call for a need to get private medical insurance. This starts when people are turning 26 years old. Indeed, when you stop benefiting from your parents coverage, you must look for your own insurance policy.

Depending on your current professional situation, you will have access to several options. Many people have lost their job since the beginning of the pandemic, and in certain conditions, they continue benefiting from their employer’s health insurance. When you are working as a freelancer and have your own business, you are eligible for health insurance through your spouse plan if you are married. Otherwise you need your own health insurance coverage. 



The most important thing is to be able to define your needs. The different situations that you might find yourself in are infinite. The ones developed here are obviously none exhaustive. Nonetheless we hope that this article is bringing you more clarity in your health insurance exploration. 

If you are still curious about private medical insurance, don’t hesitate to fill out our form and to leave us a comment for any question that you might have.


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