Individual and family health insurance plans are perfect for consumers who don’t qualify for insurance through their employer. Adequate insurance is more than just a smart way to save money. The Affordable Care Act (ACA) has made it easier and more affordable to purchase individual health insurance and family plans than ever before.

Who Needs Individual and Family Health Plans the Most?

Comprehensive health insurance plans are great for everyone. Good health insurance provides peace of mind when an accident happens or you get sick. Health insurance takes the worry out of going to the doctor and paying hefty bills.

Unfortunately, many people do not automatically have access to good health care plans, but with careful planning, we can help structure some very good options.

Self-Employed

If you work for yourself, you are responsible for your own health insurance. The self-employed usually have to deal with two problems when they fall ill: paying for medical care and how to handle income loss from the illness or disability. Individual and family health insurance policies can ease the worry of this double hit on your wallet. Buying affordable insurance has become easier without worry of potential pre-existing conditions.

Part-Time Worker

Not all employers offer health insurance to their workers. Even fewer offer health insurance for their part-time workers. Today’s job market often forces people to work more than one job to make ends meet. It’s possible to work more than 40 hours per week, but never qualify for your employer’s health insurance plans because your hours are split between multiple employers.

If you’re a part time worker, there’s no reason to go without adequate health insurance. Plans are more affordable than ever, and your coverage is not impacted by job change.

Employer Opts Out

Some employers have decided to opt out of the health insurance marketplace altogether. There is a penalty for not offering employee health insurance, but many would rather pay it than deal with insurance. That leaves individual and family insurance up to each worker.

If your employer does not offer health insurance, or you do not like the coverage they do offer, there are alternatives. You can take out comprehensive, affordable health insurance on your own. This has the added benefits of staying in force even if you switch jobs.

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It Pays to Shop Around

The key to affordable, comprehensive health insurance is shopping around. It’s important to balance the cost with the benefits you receive. The number of different plans on the market can make it difficult to choose the right one. We have walk-in facilities at our San Francisco location. Call today to make an appointment.