26+ and your own health plan strategy.

Did you know you can stay on your parents health plan even if you are married, but once you turn 26 you are on your own. Like many young people or people in general, they don’t understand insurance because we have been conditioned to show an insurance card and see what happens. Now that you are aging out of your parents plan, learn more and better ways to access affordable care. There are many more options than your parents had at your age, of course health insurance was in the range affordability and easier to understand than it is today.

Let us go over the most obvious options and go from there.

1. Shop the health insurance exchange and determine your eligibility for a premium tax credit (discount) or state funded health insurance administered by the county you live in.
2. Income too high for a tax credit? shop directly with a carrier and purchase an insurance plan. No need to use the exchange unless you want help from an Assister, like myself, MNsure.org Assister ID 5503492.
3. Employer group health plan. If you work for an employer that offers medical insurance, they typically pay at least half the employee’s premium. Pay attention to the deductibles and out-of-pocket. Don’t pay for something you will not use, at least compare some of the options here if the group plan you are offered is unaffordable.
4. Want to spend as little as possible for access to doctors? You can purchase a MEC plan, minimum essential coverage, an insurance plan for primary care, urgent care, specialists, medicine formulary, labs and imaging. No hospital or catastrophic coverage.
5. Cover just a MAJOR Medical NEED. There are many plans in this category to choose from, out-of-pocket amount for a major medical need start at $1000. That’s right just $1000 for an illness, injury, accident or diagnosis. One annual preventative exam is usually included with telemedicine.
6. Pay cash for services. No plan at all.

Contact me to discuss your situation. Connect with Amy and relax, we got this. We do not charge a fee for our service. We are compensated by the plan/carrier you choose. We appreciate your business. Thank you!