Everybody needs to have a health insurance. Did you know that federal law requires all citizens of the United States to have health insurance? This can either be through your employer or you can purchase health insurance on your own. If you are not insured, you will have to pay a tax penalty. Shopping for health insurance is not a task most people look for, but it is something you need to do. You don’t want to risk paying sky high bills in case you somehow get injured or sick. When you are deciding which health insurance plan to choose you need to look further than premiums you need to pay. For example, did you know that approximately 87% of Americans are eligible for a tax subsidy on their health insurance? If you make less than $30,000 each year, you might qualify. Of course, this also depends on what state you live in. Do your research to find out.
There is no doubt that people have different priorities. Young adult in his twenties surely doesn’t need the same healthcare plan as older adult that has some serious condition. These are all things you need to take in consideration. If you have some health problems then choosing Gold or Platinum health insurance plan would be a good idea. If you choose Platinum plan, you will need to pay higher monthly premiums but you will only need to pay 10% of your healthcare costs. If you don’t get sick often, then Bronze or Silver plan is the better choice, because you will need to pay lower monthly premiums. If you don’t go to doctor often this would be a perfect solution, but you must be aware that you can’t control sickness or injuries. This interesting infographic will help you make your decision a lot easier.
