Where can I Purchase Health InsuranceHow can I take out health insurance?
Purchase of health insurance as an individuals person
Are you a member or could you join a group or organisation that could give you a rebate on health insurance if you do not have acces to employer-related insurance? Note that some of these schedules may have restricted cover, so make sure you know and fully comprehend what you are getting.
Health insurance marketplace is one way to get cover that suits your needs. Further information under HealthCare. gov (link is external). Nowadays there are several kinds of health care expenditure accounts available on the markets. HSAs are a kind of health expenditure ledger. The search for insurance as an individuals means particular concern, usually higher cost and less full cover.
Furthermore, your health may influence the kind of cover you can get. You must give the insurance companies information about your health before you can buy an insurance plan. Known as clinical underwriting ("link" is external). Health insurance fraud is becoming more frequent as health costs rise.
Look out for non-licensed insurance companies that provide affordable cover but then decline to cover your claim. Look also for so-called "discount health plans", which are not really insurances, but advertising in such a way that it sounds as if they were. Don't be a victim of non-licensed insurance companies (link is external):
The OCI alerts you to an increase in counterfeit insurance and what you can do to help yourself. National Association of Insurance Supervisors provides further advice on protection against illicit health insurance (link is external) (PDF). The NAIC also provides Insure UK (Link is external), a good place to find out about the possibilities of health insurance in a wide range of circumstances and how to buy insurance securely.
FBI provides ways to defend against scams, health scams included: Joint scam programmes (link is external). Scour down to find advice on how to avoid cheating in health services and health insurance. Prevent yourself from healthcare scams (link is external): U.S. Centers for Medicare & Medicaid Services provides a list of ways users can help prevent healthcare scams from affecting themselves and their families.
Hints (link is external) on purchasing an personal health insurance policy are given by Insure.com. When trying to determine whether to work with an insurance broker or directly with the insurance company, remember that some insurance agencies only work through agents/brokers, while some agencies only provide insurance for one or two insurance agencies.
When you choose to work with one or more agent (s), review the National Association of Insurance Commissioners databases (link is external) to ensure their licences are currently in use.