Any debate between individual health insurance vs employer provided health coverage could be a needless one. Instead, it could be much better if you understand the pros and cons of either of the options. While it is possible to buy individual health coverage plans on your state’s marketplace exchange online or directly from an insurance company, millions of Americans that work for their organizations are covered under health insurance policies that are provided by their employers.
The main point of contention between health insurance through employer vs personal is that determination of costs for individual health plans is not that easy. This is because the outcome will depend on some variables like some members to be insured in family, pre-existing medical conditions that require regular doctor visits and medicines, need for any surgeries in near future, etc. On the other hand, employers may assist you in comparing several options by providing the right type of tools and advice. You only need to compare your alternatives and decide what the best option for you is. You need to act fast as 2018 could be last year for getting benefitted with federal government subsidies.
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