If you are a full time employee make sure to check with your human resources department or your manager to find out whether you are eligible for health insurance through your job. Large companies are required to provide health insurance for full-time employees. Today, even some part-time jobs offer health insurance benefits to employees.
When you receive health insurance through your company, your employer is responsible for paying part of your monthly bill, which is called your insurance premium. Often, this means you save more money on your premium than you would if you had an individual plan.
If you qualify for health insurance through your employer, you will usually have the option to add a spouse, dependent, or domestic partner to your plan.
Paying for one plan for your family instead of several individual health insurance plans will lead to even more health insurance savings.
Additionally, your employer may give you a list of plans you can choose from.
This means you do not have to do the work of researching health plans, and you will only have to compare a few plans to find out which one is best for you and your family.
If you are unemployed, self employed, and do not qualify for Medicaid or your employer’s insurance plan, there is still a great option to find economical health insurance.
You can also use this option if you lose your job-based health insurance. Discover how you can sign up for insurance through your state’s Health Insurance Marketplace.