If you don’t have health insurance through your employer, you will certainly need a good advisor to help you buy coverage on the private market. With the advent of the Affordable Care Act in 2010, health insurance is available online through “exchanges.”
Essentially, there are several tiers of coverage: baseline, enhanced and premier. They have different costs and different benefits. You can get coverage for yourself only, yourself and a spouse, or family coverage, which includes children. The choices can be confusing, and the prices may be shocking. A professional insurance agent can help you navigate your state’s health insurance market and make suggestions on how you can most affordably get the health coverage you need.
All of these plans have high deductibles, so you should ask about a health savings account, which is a way to save money tax-free for healthcare costs.
