Are eHealth medical insurance packages right for me?
Medical insurance packages aren’t the right fit for everyone. If you qualify for it and can afford to enroll in a major medical health insurance plan, it will provide you with broader coverage for medical care. However, medical insurance packages can provide you with valuable and diverse forms of coverage in a host of different personal situations. Here are just a few examples:
If you simply can’t afford major medical health insurance…
You can’t afford broad health insurance coverage, but that doesn’t mean you have to go totally uninsured!
If you want health insurance but don’t qualify for a government subsidy and can’t afford to purchase a major medical health insurance plan, eHealth medical insurance packages may be right for you.
It’s true that medical insurance packages will not meet your coverage requirements under the Affordable Care Act, and it won’t provide you with robust preventive care coverage. But no one should be without a strong layer of financial protection in the face of unexpected medical expenses.
If you’re a young adult…
You might be young, but you’re not stupid. You know it’s important to have protection against unexpected medical bills. Play it smart with insurance medical insurance package.
A standard major medical health insurance plan will ask you to pay for benefits you may never use – things like maternity coverage, prescription drug coverage, or preventive medical care. And the cost of major medical coverage can send a lot of young people running the other way.
With an eHealth medical insurance package you can find a more affordable form of coverage that has your back when unexpected accidents or medical issues arise.
If you’re self-employed…
When you can’t work, you can’t earn money! If an unexpected injury or illness puts your business at risk, you need a financial life raft to stay afloat, and that’s exactly what medical insurance packages provide.
One of the best things you can do for your business’s long-term health is to have a financial backstop against unexpected medical bills that might otherwise send you into bankruptcy. If you can’t afford major medical coverage while growing your business, consider eHealth’s medical insurance packages.
If you’re a part-time worker…
You may work part-time, but unexpected medical costs are a full-time threat to your financial well-being. Don’t leave yourself unprotected!
Even if you’re not paid enough to afford major medical health insurance on your own, you may still be able to afford insurance medical insurance package. While it won’t provide you with the same benefits as major medical coverage, it can still offer you meaningful coverage for unforeseen events.
If you can’t afford the COBRA coverage you’re offered…
You may have lost your job – but that’s exactly when you’re most financially vulnerable and need some backstop protection against unexpected medical costs.
You may be offered COBRA coverage when you leave a job, but many people can’t afford it. COBRA is a law that allows you to temporarily continue coverage under your former employer’s health plan at your own expense – that is, without any contribution from your employer.
If COBRA isn’t an option for you, you may wish to consider a medical insurance package. It can help protect you from unexpected medical costs more affordably while you’re between jobs.
If you missed open enrollment…
Missing out doesn’t have to mean you’re out of luck when it comes to getting the medical insurance protection you need.
There’s a limited annual enrollment period when anyone can sign up for major medical health insurance. If you missed open enrollment and haven’t had a qualifying life event, consider insurance medical insurance package to help tide you over until the next open enrollment period.
Medical insurance packages can provide you with a valuable layer of coverage for life’s in-between times.
If you’re an early retiree…
You’re too young for Medicare but you’re not rich enough to pay $1,000+ each month for a standard major medical health insurance plan.
Healthy early retirees who can’t afford major medical coverage may turn to medical insurance packages to provide them with a suite of coverage alternatives that can give them a meaningful level of protection from unexpected medical costs until they age into Medicare.
If you can’t afford a standard medical insurance package on your budget either, there may be guaranteed-issue packages available to you that will not turn you down or increase your costs based on your age.
If you have major medical coverage but want something to fill the gaps…
Checked your deductible lately? Major medical health insurance plans can leave you with lots of coverage gaps – times when you’re required to pay hundreds or even thousands of dollars out of your pocket before your coverage kicks in.
Some components of medical insurance packages can help you cover your deductible and other out-of-pocket costs in the face of unexpected injuries or illness. You may also be interested in items not covered by your major medical plan, such as telemedicine. However, you generally should not enroll in certain types of coverage in some of our packages, such as short-term health insurance, if you have a major medical plan.