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Inside this Article
Health
Insurance - Can
I buy an individual policy?
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If you do not have
health insurance available to you through your
job, you may be able to buy an individual policy.
Find out more about your options here!
If
you are unemployed, self-employed, or decide to return
to school you may want to buy an individual health
insurance policy.
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Health
insurance - Here
are a number of options that you may consider:
Ask your insurance
company
if you can convert its
group policy to an individual policy.
You will pay a higher
rate than you did before and your benefits may be
limited, but the terms will still probably be better
than if you buy your own policy.
If you are married
see if your spouse’s
employer will add you to its group plan.
Try to join a group
health plan
through a trade
association or alumni group or professional
association may offer reasonable rates. If you are
over age 50, you can join the American Association of
Retired Persons (AARP), which offers an extensive
plan. Even some credit card companies offer health
insurance coverage.
As a last resort
you can buy an individual
policy. The rates will be high and coverage
limited, but it is important that you be protected
against financial catastrophe if you or your family
are hit with a major illness or injury. If you are
self-employed, most of the health insurance premium
will be tax-deductible.
To find the best policy,
contact a health insurance agent or broker who will
help you find the contract that gives you the most for
your money.
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