The vast majority of U.S. citizens who have health coverage – about 57 percent – get coverage through an employer-sponsored plan. Another 29 percent get coverage through a government plan – Medicaid, Medicare or the military. If you are self-employed, or if your employer does not offer health insurance, you’ll likely turn to the private market to purchase an individual health insurance plan.
Getting individual coverage is typically more difficult to qualify for than a group plan offered by an employer; policies are individually underwritten, which means that the insurance company will closely scrutinize your complete medical history.
- You may find it harder to find a company that will sell you a health insurance policy, especially if you have a serious medical condition.
- You may have to undergo a medical exam to prove you are healthy and insurable.
- You may find that individual insurance costs more than group insurance.
- You may be provided with fewer benefits than you would through a group insurance policy.
If you’re buying health insurance on your own, it’s important to shop around and compare health insurance policies and plans. Your friends at the A.T. Group can help you find the right plan that fits your needs and budget. Contact us using the button below, or call us at 877-902-8898.Contact Us