05/12/2025
If you're looking to buy health insurance, here are the main options depending on your situation and location...
1. Through an Employer
Best for: Full-time employees.
Pros: Often subsidized by employer, lower premiums, group rates.
Cons: Limited plan options, tied to your job.
2. Health Insurance Marketplace (Healthcare.gov or your state exchange)
Best for: Self-employed, unemployed, part-time workers, freelancers.
Pros: Access to subsidies (based on income), standardized coverage levels (Bronze, Silver, Gold, Platinum).
Cons: May be expensive without subsidies.
3. Private Insurance
Best for: People who don’t qualify for marketplace subsidies and want more custom options.
Pros: More flexibility in choosing providers or coverage options.
Cons: Can be very expensive, especially without group rates.
4. Medicaid
Best for: Low-income individuals and families.
Pros: Free or low-cost, good coverage.
Cons: Income limits apply, coverage varies by state.
5. COBRA
Best for: Recently unemployed who want to keep their old employer plan.
Pros: Same coverage you had at work.
Cons: Expensive — you pay the full premium plus administrative fees.
Call us today to discuss your situation!
