How to Find Health Insurance That Fits Your Life

Health insurance is not one-size-fits-all. Your lifestyle, career, and unique health needs deserve a plan that works for you. Whether you’re an adventure enthusiast who needs coverage for outdoor injuries, a frequent traveler requiring global access to care, or a gig worker balancing multiple jobs, your life should drive your insurance choices. Tailored plans ensure your coverage is as unique as your day-to-day experiences.?

Navigating the maze of options can feel overwhelming. That’s where tailored or customized insurance solutions come in, ensuring you’re not overpaying or over insured.

At National Benefit Plans (NBP), we specialize in personalized insurance plans that fit your life. Here’s how we can simplify the process and improve your health coverage experience.

72% of Americans feel overwhelmed by the complexity of choosing a health plan - Aflac (https://www.aflac.com)

Why Tailored Insurance Matters

Many people enroll in plans that don’t align with their actual needs. According to the Kaiser Family Foundation, 45% of uninsured adults cite high costs as the primary reason for not purchasing health insurance. [source] (https://www.kff.org)

Yet, overpaying for unnecessary coverage is equally problematic. Tailored plans ensure:

• Affordability: You’re only paying for what you truly need.
• Accessibility: Your benefits align with your preferred doctors, specialists, or networks.
• Simplicity: Avoid confusion by cutting out extra benefits you’ll never use.

Here at National Benefit Plans we have worked with people just like you providing customized health insurance plans that work for different lifestyles and situations. Here are a few examples of plans that work for different lifestyles:

1. Freelancers and Self-Employed Professionals

Freelancers often juggle fluctuating income and lack access to employer-sponsored plans. Their unique lifestyle may require flexible options that accommodate variable cash flow, such as affordable premiums or plans with customizable coverage.?

Additionally, freelancers who frequently travel might need insurance with broader networks or telemedicine capabilities to access care wherever they are. A tailored plan can:

• Provide comprehensive coverage with affordable premiums.
• Include telemedicine options to reduce the need for costly in-person visits.
• Focus on preventive care to keep you healthy and productive.

2. Families with Unique Health Needs

Families often face diverse healthcare requirements. For example, blended families may need plans that accommodate multiple parents and children across various households, while others may require coverage for elderly relatives or specialized therapies. Tailored solutions ensure every family member’s unique needs are met without unnecessary extras. Tailored insurance can:

• Cover pediatric specialists or specific therapies for children with chronic conditions.
• Offer family dental and vision plans without unnecessary add-ons.
• Include maternity care or fertility treatments based on current family goals.

3. Seniors and Pre-Retirees

Older adults might worry about gaps in Medicare or other age-specific coverage. Lifestyle choices like part-time work or relocating to a new state during retirement can also impact their insurance needs. For instance, moving might require a plan with nationwide coverage or access to a specific network, while part-time work might mean balancing employer benefits with supplemental insurance.?

A custom plan can:

• Fill in Medicare gaps with supplemental insurance.
• Focus on long-term care or prescription drug plans.
• Provide peace of mind for those managing chronic illnesses.

57% of U.S. adults with medical debt have insurance, underscoring the need for tailored, comprehensive coverage

• KFF (https://www.kff.org)

How National Benefit Plans Can Help

At National Benefit Plans, we understand the complexities of finding the right health insurance. Our process begins with listening to your unique needs, then designing a plan that works for you. Our experts ensure:

• Transparent Pricing: No surprises, just clear, upfront costs.
• Expert Guidance:? Dedicated agents with years of experience have been helping navigate confusing terms and regulations on your behalf.
• Ongoing Support:? Our agents offer you ongoing service and support as your needs change. Lifestyle changes like starting a family, shifting careers, or pursuing new hobbies can create new health coverage requirements. For instance, starting a family might mean adding maternity care or pediatric specialists, while a career shift could necessitate broader network options. Tailored plans evolve with you, ensuring you’re never overpaying or underinsured. We’re here to adapt as your life evolves.

Over 60 million Americans rely on telehealth services, a growing demand in health insurance - CDC (https://www.cdc.gov)

Take the First Step Today

Finding the right health insurance doesn’t have to be complicated. At National Benefit Plans, we’re here to simplify the process and ensure you get the best coverage for your life. Let’s work together to design a plan that puts your needs first.

Contact us today to schedule a free consultation and start your journey toward better health coverage.