Don't Wait to Buy Health Insurance

Are you aware that you don't have to wait until open enrollment on the market place to find Health Insurance for you, your family or small business? And no, I'm not talking about having qualifying events either. You can purchase private health insurance year round!

Open enrollment was put into effect to discourage adverse selection - which happens when sick people sign up for health insurance and healthy people don't. It greatly skews the amount of financial risk a health plan takes when insuring customers. Private insurance can look at medically underwritten plans (reviews health history) or non underwritten plans guarantee you will receive coverage on a plan. This allows customers to purchase year round.

In addition to shopping year round, private insurance offers a huge advantage that the open enrollment Market Place does NOT. PPO network coverage. What this means is you can choose your doctors and hospitals! No referrals! The network allows you to travel with your insurance and even if you go out of network, you receive benefits toward payment. ALL huge factors to consider, especially since HMO networks do not do any of the above.

You should never feel like you are locked into Market Place options. Small Business Owners and the Self Employed have options. Better options! Reach out and speak with an insurance professional to help guide you through plans. Especially if you are currently going without coverage. The best time to purchase insurance -when you're healthy! Be prepared when you you need it.