2019 Healthcare Insurance Will Provide Better Healthcare Options

For every year in recent memory, if you didn’t have health insurance, then you were breaking the law. The individual mandate penalty was a part of the affordable health care act that was designed to incentivize health insurance. Without insurance, you would be subject to a significant fine when filing your income taxes. For most people in 2017 and 2018, the penalty was more expensive than simply buying insurance, and because of this, there were record numbers of individuals and families who were covered by both federally backed and private insurance plans.

In 2019, the Affordable Care Act remains in effect, but the individual mandate penalty has been eliminated. Next year will be the first year in recent memory that you could not have health insurance and receive absolutely no tax penalty for it.

Of course, this doesn’t necessarily mean that it is smart to forego buying a health plan for 2019. There are significant advantages that come from having a health insurance plan, with better health care options being one of the most important.

How Does Health Insurance Give You Access to Better Healthcare Options?

If you rarely get sick and if you have not used your insurance in the last two years, then you might be wondering why you should even bother buying a plan for 2019. You might think that ignoring health insurance will save you money, especially considering that you will no longer be required to pay a tax penalty.

This is a dangerous line of thinking, as it leaves you with no options should you need emergency care or any type of care for an illness or disease that you develop. Health insurance is a safety net that ensures you have the right healthcare options when the unexpected happens.

Medical bills are a leading cause of bankruptcy in the United States. This is one of the reasons why the ACA had the individual mandate penalty in the first place. By incentivizing the purchase of insurance, people would be at less risk of receiving crippling medical bills. Although many were unhappy the government essentially forced the nation to buy insurance, the fact is that many people came out better off.

What Would Happen Without Healthcare Options?

Healthcare Insurance Imagine a situation where you are involved in an accident and require immediate medical care. Following the initial care, you may require an extended hospitalization period or rehabilitative treatments. You would likely require medications and follow-up visits with consultants and specialists. Without health insurance, this type of medical emergency could put you into tens or hundreds of thousands of dollars of debt. Unless you are a very wealthy individual, this would no doubt be utterly catastrophic for your finances.

Now compare that situation to one where you do have health insurance. Your emergency care would be covered, as would most of your hospitalization and any necessary treatments. Medications can be covered by insurance, and so can follow-up consultations. Even if your health insurance wouldn’t cover the entire cost of the treatments and consultations that were needed, the financial impact on you would be significantly less than if you didn’t have insurance.

Quite simply, your health insurance would protect you from the unexpected and ensure that you have options in any event. Whether it’s a vehicle accident or any other medical emergency; health insurance will give you peace of mind.

While you may assume that it is more affordable to just forego the purchase of a health plan, the reality is that any type of medical emergency, even a relatively minor one, would still be more expensive than the money you save from not having insurance.

A Health Insurance Plan Could Give You Alternate Healthcare Options

Emergency and primary care are not the only reasons why you should purchase a health insurance plan for 2019. A flexible plan could mean that you have healthcare options from different facilities and physicians. An HMO, for example, is rigid and would require you to visit facilities and practitioners from within a single network. However, you could choose something like Multiplan insurance to give you more health care options from a large network of different practitioners and facilities.

Some premium healthcare plans will give you even more flexibility, allowing you to choose any doctor that you like, and you would be able to get specialist consultations and procedures without the need for referrals.

These are the kinds of healthcare options that make insurance so worthwhile, and there’s really no reason why you shouldn’t enroll for an affordable health insurance plan at the end of this year.

How Can You Find the Best Insurance with the most Extensive Healthcare Options?

The only way to ensure that you are getting the best plan is to compare the offers that are out there. There is no single plan for everyone, as different types of insurance coverage are suited to people in different scenarios. There are some things that you will need to keep in mind as you choose, such as:

  • How much you can spend on insurance.
  • Whether you need out of network care or if you are happy to remain within a single provider network.
  • How many people you are buying insurance for.
  • Any pre-existing medical conditions you have.
  • Your recent medical history.

With Mutual Health Partners, you will be able to compare the very best health insurance plans available today. With the assistance of our licensed insurance agents, you could buy healthcare options for 2019 that protect you from financial hardship.

Whether you need simple coverage and are in good health, or if you want to buy specialized coverage for long-term care or any other reason, then being able to compare options from the best insurers will enable you to make the right decision.

Talk to the experts today and be ready for your healthcare needs in 2019.

 

 

Have You Prepared Your 2019 Health Insurance?

When it comes to the wellbeing of yourself and your family, health insurance is one thing that you literally cannot afford to be without. Not only does a lack of health insurance mean that you will end up paying more in tax penalties, but not being insured could also leave you and your loved ones without options if you need treatment for an illness or in an emergency.

The new year is approaching fast, and that means that it’s time to start considering your 2019 health insurance options. By looking early, you will have more time to consider the different plans that are available and find the one that is perfect for your needs and your budget.

What’s the Cutoff Date for 2019 Health Insurance?

The 1st of November marks the first day of the enrollment period, so make sure you set a reminder for yourself. This will give you enough time to compare any plans that you discover in the final weeks of the year.

The enrolment period will last up until December 15th. It’s critical that you decide upon your insurance and purchase it by this date. This will ensure that you have coverage from January 1st, 2019, right up until December 31st of the same year.

The cutoff date has been changed for 2019 health insurance, so you’ll find that you have a bit more flexibility than in previous years. Even so, don’t wait until the end of the cutoff date to purchase your insurance. Start researching the plans that are available to you now, and this will make for a much easier decision when it comes to the enrolment period.

Have There Been Any Rule Changes?

There has been some confusion in the 2019 health insurance marketplace, particularly in terms of Obamacare vs. Trumpcare. Many people are familiar with the Obamacare system. Officially known as the Affordable Care Act, most of what we called Obamacare is still in place. Although President Trump has proposed some sweeping changes for health care, there are yet to be any new laws passed that would fundamentally change the system.

The only major differences for 2019 health insurance will be the abundance of plans available. Private insurers now have some more flexibility to offer competitive health insurance coverage at discounted rates. Insurers can offer low-cost health insurance that is more competitive than plans that are compliant with the old Obamacare era. Plans would be short-term, ranging from 12 to 36 months.

Although these plans will be less comprehensive than the Obamacare plans that people are used to, they will at least be much more affordable, which could make them ideal for people who don’t traditionally use their insurance in a calendar year.

Have You Considered What Kind of 2019 Health Insurance You Will Need?

There are millions of Americans who simply purchase the same health insurance plans, year after year. Many people get comfortable dealing with a single insurer, and for some of them it works out.

However, there are plenty of cases where staying with the same insurer is a bad idea. In terms of saving money, staying with the same insurer probably means ignoring what’s available on the market. Re-signing for the same plan every year could also mean that the coverage is outdated. Needs can change, and, as we age, our medical needs typically increase.

If you aren’t reviewing your policy every year then you could be exposing yourself to unnecessary risk. First is the risk of spending too much on a policy, and the second is the risk of paying for 2019 health insurance that doesn’t meet your needs.

Premiums and Deductibles and How They Impact Your Health Insurance

There are two critical elements of every health care plan that will determine how affordable it is.

  • The first and most important figure to note is the monthly premium. This is essentially the cost of the insurance if you didn’t need medical services in that month. Higher premiums typically mean higher overall cost of insurance, but this also depends on how much you will pay for deductibles.
  • The deductible on a policy is the amount of money you are expected to cover for your medical care before your healthcare plan kicks in.

The relationship between an insurance premium and deductible is important. If you have a history of requiring regular medical care, then a policy with a high premium and a low deductible will be ideal. This is because you would pay more every month, but you would have less out of pocket expense when you need to visit the doctor or receive treatment that is covered by your plan.

If you don’t visit the doctor often, and if you don’t have any existing illness or other medical condition, then a low premium with a high deductible would usually be best for your situation. You would save money by reducing your monthly spend, and if you only require a couple of doctor’s visits in a calendar year, then you will ultimately come out better off.

It’s all about finding the right balance when you choose 2019 health insurance.

Find the Perfect 2019 Health Insurance Plan with Mutual Health Partners

Everybody needs insurance. Not only will the right plan give you access to essential medical care and a safety net when you need it, but, insurance is also the law. You’ll incur significant penalties if you are uninsured, making it a much better idea to research your options and find a plan that works.

With Mutual Health Partners, you will have access to the best insurance plans for 2018, no matter what kind of coverage you need. Whether it’s a PPO with low deductibles, a more flexible POS insurance plan, or even an affordable HMO plan, we can give you the best options to compare, from America’s best insurers.

Trust Mutual Health Partners to help you find the right insurance for 2019. With the enrollment period coming up soon, now is the best time to talk.