Step 1.  Check with your employer.

This is the first logical step.  It makes no difference whether or not your employer offers health insurance to their employees.  Even if they don't offer health insurance, employers almost always have a lot of knowledge about it. Bring the topic up with your boss.  Inquire about what he or she knows about it.  You'll probably be surprised.

If your work provides health insurance coverage and you meet the requirements, your quest for health insurance may be over.  Be certain to learn everything you can about the employee benefits package.

There may 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 plan to cover the time you are not insured.  No matter what you do, don't go without insurance.  It's not worth the risk.


Step 2.  Visit Healthcare.gov.

Visit Healthcare.gov to discover what health insurance plans are available in the Saint Louis, MO 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.  Contact a health insurance broker.

When it comes to deciding on the right health-care plan for you and your family, an insurance broker's knowledge can be invaluable.  An insurance broker can help you with every aspect of a health insurance plan purchase.  When deciding on the size of your health plan deductible, an insurance broker can explore the benefits and drawbacks with you.  They can concisely explain health plan co-insurances.  They can help you figure out if you're eligible for an Affordable Care Act subsidy.  Speaking with a health insurance representative is a natural first step you should take before obtaining a health plan.  Best of all, assistance from a health insurance broker is usually 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 Missouri these days, finding that expert help can be challenging.


ACA health insurance is more affordable.

In Missouri, 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, and more Americans qualify.



We can assist.

We understand how difficult it may be to figure out which plan is best for you and your family.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors should all be carefully addressed when selecting a health insurance plan.

Our experienced insurance experts are pleased to 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:   314-256-9596