What is Your Plan for Health Insurance?

78770400It’s official, it is the holiday season. Have you scoured the internet for the best deals or are you one of those who brave the cold to shop the Black Friday early morning deals?  I’ll be the first to admit, on Thanksgiving morning, I made a run to the gas station to find the big, thick newspaper that became the focal point of discussion for hours after our family’s Thanksgiving Day meal. We debated and discussed who had the best deals. In the end, we always talk more about what we would buy rather than actually make any purchases. And the decision typically comes down to what we need versus want. Our needs are few; our wants are many — especially for the two-year-olds, the six-year-old and the eight-year-old.

Is health insurance on your want list or your need list this holiday season? If you have health insurance available through your employer, you will likely elect to receive your health benefits through them. In most instances, this is your smartest choice. Your employer offers essential health coverage and their contributions to help you pay your monthly premium makes having good quality health care insurance a reality.

If you don’t currently have insurance or if your current policy offers high deductibles, no copays or doesn’t have certain types of coverage — like coverage for preventive services, mental health care or pre-existing coverage — you may want to add health insurance on your need list. If you believe you may be eligible for tax credits, which are based on your family’s income and size, it might be worth investigating the Marketplace. This is the only place to receive financial assistance for your health insurance. These tax credits can reduce the cost of your monthly premium. For a free quote check out our website. You don’t have to go to the Marketplace if you don’t want to — you can get your individual coverage directly from us.

By Deb Muller

Chief Administrative Officer at Avera Health Plans