Millions of Americans do not have the benefit of employment-based health insurance coverage. Medical insurance, fortunately, is available for all Americans who seek it, in the form of private, individual health insurance plans.
Whether you have been laid off from work, you are divorced, your COBRA benefits have expired, or you are a small business owner who has employees in need of health insurance coverage, medical insurance plans exist that can suit just about every need.
Oftentimes, private health insurance can offer more flexibility than employment-based health insurance coverage. When you seek medical insurance through your employer, you are limited to the options that they make available to you. Plus you are only allowed to change your insurance plan once a year, unless you have a "life changing event". You also have a great deal of flexibility in choosing a plan that suits your circumstances.
You can choose health insurance plans that offer or don't offer prescription drug coverage or maternity coverage, for example. These alone can make a difference in the amount of out-of-pocket expenses and premium rates you pay, rather than the "one-size-fits-all" coverage, medical insurance plans offered by employers. You can choose from among plans that offer varying premium rates or deductible amounts. Moreover, you have the absolute freedom to drop one health insurance provider and sign up with another anytime you want, whereas you have no such option as an employee.
Health care costs are rising. As consumers, we have the right to seek affordable health coverage; medical insurance companies are making significant leaps and strides in providing a diverse array of options to individuals whose only recourse is to get private coverage.
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