• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

Vim Ch'i

Don’t wait to lose weight.

  • Home
  • About
    • Frequently Asked Questions
  • Shop
  • Blog
  • Diets
    • Carnivore Diet
    • Intermittent Fasting
    • Ketogenic Diet
    • Low Carb
    • OMAD
    • Herbalife Tea/Herbal Tea
  • Financial Wellness
    • Credit Card Debt
    • Health Insurance
    • Life Insurance
  • Contact
You are here: Home / Financial Wellness / Health Insurance / Where to Buy Health Insurance?

Where to Buy Health Insurance?

January 13, 2022 by Janey Danes Leave a Comment

If you’re planning to buy health insurance, then you made the right choice. It means that you don’t want to be one of the uninsured people in the US. This report shows that the number of uninsured individuals is increasing. Where to purchase health insurance is one of the questions you have in your mind right now. Don’t worry, this post is going to show you where.

Keep reading to know more.

Related: Is Health Insurance Free?

Where to Buy Health Insurance?

There are many options that you can use to purchase health coverage.

1. Health Insurance Marketplace 

Also known as health insurance exchange, Health Insurance Marketplace is a popular option where you can purchase health insurance. You may qualify for subsidies or premium tax credits when you purchase health insurance through this option.

Even if you are eligible for coverage through your employer, it doesn’t hurt to find a plan that suits your situation. However, if you do choose to buy through the marketplace, you can’t be eligible for subsidies if you can access employer-based coverage.

There’s a time restriction when you purchase health insurance through the marketplace. It’s only open for enrollment once a year.

Open Enrollment typically starts in October. The coverage begins on the first day of the following year. Thus, if you have enrolled in October 2021, your coverage should have started on January 1, 2022.

Related: Who Needs Health Insurance

2. Hire an Agent or a Broker 

Another way to purchase health insurance is to work with an agent. This agent is an experienced person in finding a good policy for you.

To find a private insurance broker, you may choose to use this tool.

It’s ideal to work with a broker that sells not just marketplace plans but also non-marketplace policies.

These brokers work with health insurance companies. The latter pays the former when they sell policies.

You don’t have to pay any fee to brokers. Even if you work with an agent, there are no fees involved. You also don’t pay higher premiums.

Related: Types of Health Insurance

3. Buy from an Insurer 

One of the drawbacks of using the Health Insurance Marketplace is that it doesn’t include all plans available on the market. That’s why some people look for a plan directly from an insurer.

However, when you shop for policies on a single insurer, you will only find options available from the provider. If this is the option you wish to take, you may need to visit various insurers to know all of their plans to help you compare.

But “all plans sold outside the federal and state exchanges must meet the minimum essential coverage” provided by the Affordable Care Act (ACA). It means that the plans include coverage for pre-existing conditions, essential benefits, and preventive care.

However, buying from an insurer will also help you shop for short-term plans. They are not compliant with ACA. But they are cheaper. Often, they don’t have waiting periods. The coverage starts a day after signing up.

If you choose to buy health insurance outside the federal marketplace, you are not eligible for subsidies.

Hence, if you want to obtain subsidies, make sure to buy your health insurance plan through your federal or state marketplace.

4. Purchase Though an Online Health Insurance Brokerage 

where to purchase health insurance -- online health insurance brokerage

This option offers a tool to assist you in comparing health plans. However, if you choose to use an online health insurance brokerage, the site will only show the plans that will help them earn a commission if you enroll.

Thus, they provide more information on the plans that can give them a higher omission. The incentives don’t mean that the plans they are showing are not good. However, if you choose to use the information, you’re not getting a complete picture of the options.

Furthermore, online health insurance brokerage websites may require your personal information. It means that you may need to enter your weight, height, and pre-existing conditions. These are factors that may affect your eligibility for health plans that don’t comply with the requirements of the Affordable Care Act.

Related: How Many Health Insurance Can You Have?

5. Find Plans Through a Membership Organization 

If you belong to a certain organization, your group may be able to buy health insurance through it. When you choose this route, you need to ensure that you’re buying health insurance and not a health discount plan.

Discount plans are different from health insurance. They may save you money but they won’t help you pay for your medical bills if you fall ill or get cancer.

Which is the Best Option? 

It depends on what suits you best. If you can do your research compare plans on your own, then applying through the federal or state marketplace is a better option.

But if you need help in finding the perfect plan, you can work with an agent or a broker.

Summary 

Where to purchase health insurance? There are many ways to do it. The best option will depend on your preference. The most important thing here is to purchase a policy during the annual open enrollment. In this way, you can buy affordable coverage.

Are you pregnant? What are the risks of getting pregnant without health insurance? Find out here.

Share this:

  • Facebook
  • Twitter
  • LinkedIn

Filed Under: Health Insurance Tagged With: where to purchase health insurance

Reader Interactions

Speak Now ... Or Forever Hold Your PeaceCancel reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Primary Sidebar

Amazon

As an Amazon Associate, we earn from qualifying purchases.

Product Categories

Translate

Vim Ch’i

Vim Ch’i is an online health shop to buy Herbalife Tea (Herbal Tea Concentrate) and other supplements, which bring back your Vim (energy and enthusiasm) and Chi (vital energy to animate the body internally).  We also feature news and tips about Herbalife Tea (Herbal Tea Concentrate), OMAD for weight loss, Intermittent Fasting, Cord Blood Collection, and Health Insurance.

If you wish to contribute articles, infographics, etc. to our website, please email us at admin[at]vimchi.info.

Send Your Love with Flowers!

Subscribe to Blog via Email

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

What’s Hot

  • 5 Perfect Smoothies for Arthritis and Inflammation
    5 Perfect Smoothies for Arthritis and Inflammation
  • Intrinsic Health and Wellness by Vim Ch’i
    Intrinsic Health and Wellness by Vim Ch’i
  • The Proper Human Diet: What Foods to Eat But Also Really Enjoyable
    The Proper Human Diet: What Foods to Eat But Also Really Enjoyable
  • Proper Human Diet Review: What to Eat on Dr. Ken Berry Diet?
    Proper Human Diet Review: What to Eat on Dr. Ken Berry Diet?
  • Easy to Follow OMAD Diet Rules
    Easy to Follow OMAD Diet Rules

TOPICS

Cord Blood

Cannabidiol

OMAD

Health Insurance

Intermittent Fasting

Health News

Ketosis Diet

Weight Loss News/Recipes/Tips

Herbalife Tea – Herbal Tea Concentrate

Best Natural Remedies

Let’s Be Friends

Let’s Be Friends
  • Vim Chi
  • Frequently Asked Questions
  • Terms Of Use
  • Contact

Copyright © 2025 · All Rights Reserved. Vim Ch'i - For the Love of Health and Wellness

 

Loading Comments...
 

    x