Exploring Your Affordable Health Insurance Options

May 7th 2016

There are lots of affordable health insurance options in every state, but one of the most affordable plans is to eat right and exercise. As Benjamin Franklin said, “an ounce of prevention is worth a pound of cure.” Another option is to shop on the Health Insurance Marketplace through the website, over the phone, with a community counselor or by mail. Here's some guidance to help you choose which option is right for you.

Apply Online

It would be hard to miss all the news about problems with the HealthCare.gov site. This has been a slow train wreck covered by ever major news outlet. However, it seems that the site is finally working, and you can explore the affordable health insurance options. Even without creating an account, you can browse the plans to see what's right for you. When you're ready, just create an account and pick a plan.

This could be a difficult task if you don't have a computer or Internet access. However, you could always use a friend or family member's computer. You could also visit the library and use one of their computers. If none of these options works for you, you might want to explore your options over the phone.

Call the Health Insurance Marketplace

If you prefer to get your insurance with a phone call, you can reach the Health Insurance Marketplace at 1-800-318-2596. When you call, they'll help you create an account and select an affordable health insurance option. Once you sign up for a plan, you will be given the contact information for your new insurance provider. You can call this company to set up automatic billing and to get answers to any questions you have about coverage. When you want to talk with someone in person and not just over the phone, there's an option for that too.

Meet with a Community Counselor

There's also a section of the Health Insurance Marketplace website that lists community counselors that can meet with you in person to discuss your options. Visiting LocalHelp.HealthCare.gov, you'll find a list of qualified insurance professionals in your area. These people can help you navigate the marketplace and find an affordable health insurance option that meets your needs. If none of these other options works, you can always enroll by mail.

Mail in Your Application

You will still need to download the paper application and instructions from the Health Insurance Marketplace. However, someone could do this for you and simply bring you the printed documents. Once completed, just drop the paperwork in the mail to enroll in an affordable health insurance plan.

Affordable Health Insurance Options

  1. Apply online at HealthCare.gov

  2. Call the Health Insurance Marketplace at 1-800-318-2596

  3. Find a local community counselor at LocalHelp.HealthCare.gov

  4. Send your application in the mail

With plenty of affordable healthcare options around, there's no reason not to choose the best one for you. Having health insurance will help you live happier, healthier, and longer. Find the best option for you today!

Image courtesy of Flickr

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