My cousin recently got taken to the ER and stayed overnight at the hospital, running many tests for her heart, brain, blood, and more to figure out what was wrong. She eventually got diagnosed with a TIA, which is an early warning sign of a stroke. It was scary, and if it weren’t for having health insurance, the $30,000+ costs would’ve been shocking.
She was glad to be covered, but there are currently over 31 million Americans without health insurance. However, it’s there for a reason; to protect you from unexpected (and high) medical costs. Think of health insurance as a life jacket. It’s frustrating to wear (or pay for) when you don’t need it. But if you hit an emergency – even if it’s just once – you’ll be extremely grateful for that life jacket for saving you.
Health insurance doesn’t have to be expensive, and you may qualify for affordable or even free health coverage. Since the 2023 Open Enrollment Period starts November 1, 2022, it’s smart to start preparing now, and PolicySavings.com can help. If you had a recent life event, you could even get coverage before the Open Enrollment Period (OEP)!
How to Change or Get Coverage Before Open Enrollment Period
Certain life events can qualify you to change your current coverage or get coverage before November 1, 2022. It’s called a Qualifying Life Event (QLE) if any of the following has happened:
- Marriage or divorce
- Having/adopting a baby
- Losing health coverage
- Death in the family
- Leaving incarceration
- Changes in income that affect coverage
- Change in residence (zipcode)
What are the Qualifications for Free or Subsidized Coverage?
Households and individuals can qualify for free or affordable health insurance from the government based on their income.
For example, a family of 4 would qualify if the household income was between $26,500 and $106,000. An individual would qualify if their income were between $12,880 and $51,520. (These numbers would be different for Alaska and Hawaii)
If you’re slightly over the limit, you should still check because 2023 income qualifications can change. The easiest way to do so is to go to PolicySavings.com, where they’ll compare rates for you from multiple insurance companies.
What is PolicySavings.com?
PolicySavings.com helps you make informed decisions and connects you with licensed health insurance agents to customize personal insurance plans that can fit your unique needs and budget.
It is 100% free to learn about your potential plans and monthly premiums!
Confidential conversations with agents will provide clear explanations of all the coverage you’re qualified for, and they’ll help you get the maximum subsidy available. Don’t waste time trying to decipher health insurance jargon and let the agents help you for free.
Fast, Free, & Secure No-Obligation Quote
When you speak with a licensed agent, you’re under no obligation to buy anything. Their purpose is to help, and they’ll be happy to answer any questions you may have!
They know health insurance can be confusing and have already helped thousands of people get peace of mind. It’s fast, free, and secure to compare rates that can protect you and your family in the future.
How to Get Started
Head to PolicySavings.com and fill out a short form or call a licensed agent on their site directly. Plans vary from state to state, so you’ll be able to see what’s available in your area based on zip code.
You’ll answer a few quick and easy questions to get matched with some options, and when you’re ready, an agent is on standby to help answer your questions.
Don’t miss out on potential benefits!
Additional Questions for the Agent
When you reach out to an agent from PolicySavings.com, they’ll guide you to the best possible plan for you. These are some of the questions you should consider as you review your options:
- How much money do I have to pay out-of-pocket for medical care on an annual basis?
- Can I still see my current doctors?
- Is there a co-pay for doctor visits? Co-pay for specialists?
- Does the plan include dental, vision, and other services?
- What preventative/routine exams are covered?
- Does it exclude any pre-existing conditions?
Pat yourself on the back since you’re already taking the responsible steps by reading this article. Check now for affordable health care so you can be covered in case of an emergency!