Having health insurance is vital, whether you’re dealing with the common cold or have more substantial concerns. Navigating which plan works best for your circumstances is a daunting task, especially if you’re a young adult enrolling for the first time. However, discussing why you need insurance and how it works can make the process a lot easier. Here are a few questions to bring up while weighing this decision.

Why Do I Need Health Insurance?

Health insurance gives you greater control over your personal health and well-being while leaving you with a significantly less financial burden. Under the Affordable Care Act, preventative services like checkups, hospital room and board, and emergency room visits are covered under a standard policy. Routine testing also detects common conditions like diabetes, heart disease, and digestive issues early on, which saves you from paying more money out of pocket in the future.

What Out-of-Pocket Payments Would I Have to Make?

Aside from paying monthly payments to your insurance provider, there are three costs you have to cover yourself: deductibles, co-payments, and coinsurance. A deductible is the amount of money you pay for medical care before your insurer starts providing coverage. Insurance companies can also do this through coinsurance, which permits you to pay a percentage of medical costs. Co-pays, meanwhile, are flat fees you pay to your healthcare provider or specialist during visits. 

How Do I Enroll?

There are a few ways you could get health insurance. You could contact Harris Insurance Agency and receive assistance with the federal government marketplace at no additional charge, through your state’s private healthcare exchange, or your employer. However, you can only sign up for a public plan during allocated open enrollment periods throughout the year. Once you obtain insurance, you’ll then pay a monthly premium if you purchase an individual insurance plan or it’ll be taken out of your paycheck if you enroll in employer-sponsored insurance.

If you’re still having a hard time navigating health insurance plans, leave it to the professionals to help out. The skilled agents at Harris Insurance Agency in Centerville, OH, can guide you through providers and carriers that meet your specific needs. To get a free quote from the family-owned agency, call them at (937) 387-6672.