Health Insurance 101

Download or read book Health Insurance 101 written by Marilynn Drohan and published by Independently Published. This book was released on 2021-09-04 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: When choosing the right health insurance plan for your specific needs and budget, it's important to consider all the options available to you. However, we understand that this is easier said than done and that there are a lot of confusing factors to keep in mind. Whether you're trying to find the best type of plan to choose through your employer-sponsored coverage, or you're just beginning to look into your individual health insurance options, this guide aims to break down the basics and provide you with additional resources to supplement your insurance journey. This is a useful, factual, non-partisan look at the current system for health insurance and getting health care in the U.S., including practical tips to help you save money on your health care, whether you have insurance or not. It is especially intended for self-employed people, freelancers, small-business owners, and others without access to employment-based group health insurance to understand all of the options and ways to save money. However, anyone can benefit from the useful tips and tricks as well as the overviews of important laws and issues for context. This well-researched book is full of valuable information, insights, and money-saving tips, and includes topics such as: -Different types of health insurance demystified and explained in a straightforward way -Practical advice on how to evaluate health plan options -How the Affordable Care Act of 2010 affected health insurance -How the premium subsidies work for individual insurance -Pros and cons of health care options and links for further reading -Interesting factoids on the continuing upward trend in healthcare costs and potential solutions Some of the many programs and options discussed include: -Individual insurance from the marketplace and outside the marketplace -Employment-based insurance for small and large businesses -Health savings accounts and ways to use them -Government programs including Medicaid, Medicare, and military heath programs -Short-term health insurance, accident insurance, and dental and vision insurance -Healthcare cost-sharing ministries -Paying cash, negotiating discounts, concierge medicine, and direct primary care -Telemedicine, medical tourism, discount cards, health clinics, and charity care