Changes in Big Health insurance for 2013 College Grads

Mom & Dad’s health insurance plan – A parent health insurance plan is best for you if you are thinking of moving back to your parent’s place, and you are looking for quality coverage or employer-based coverage is not available at the moment Home Depot Health Check. With the help of the Affordable Care Act (ACA) now a person graduating from college can stay insured under his parent’s health insurance plan till the age of 26. This is a very nice option for some of the graduates. But there are negative sides of this, like increased premium for the parents, or if you are not in the state then it is not possible to get the assistance of network doctor at the time of requirement. So these are the things that can hamper the benefits of your coverage.

Traditional individual health insurance plan -if you are looking for quality coverage and do not have an option of employer-based coverage at the moment, or you have an ambition of being financially independent, then you should go for a traditional major health insurance plan for yourself. A person with good health has many good and affordable options to choose from. You can get the best for you by getting the best information about your plan from an online  Home Depot Health Check marketplace. It is to be kept in mind that this is possible to decline coverage based on pre-existing conditions until 2014

In 2014: by the start of 2014, most of the people who are not covered under employer-based insurance will have to purchase these individual insurance plans. It will be a good thing if you will purchase one now. There is a chance of you getting the benefit of subsidies in 2014.

High-deductible health insurance plan – if you are not covered under any employer-based health insurance and want quality coverage, but do not have the need of it, as you are in a good health conditions and are not taking any kind of medical drug regularly, then you should go for a high deductible insurance plan. These are the traditional insurance plans with higher deductible. Here the meaning of higher deductibles is lower monthly premiums. Some of the higher deductible plans can be used in the health saving accounts, by which you will be getting some tax advantage and saving a considerable amount of money.

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