Step 1.  Check with your employer.

This is the first logical step.  It makes no difference whether or not your employer offers health insurance to their employees.  Even if they don't offer health insurance, employers almost always have a tons of information on the subject. Talk to your boss about it.  Find out what he or she knows.  You'll probably be surprised.

Your health insurance search may be over if your work provides health insurance coverage and you qualify.  Be certain to learn everything you can about the employee benefits package.  Don't just blindly sign up with a group health plan.  Make sure the plan is associated with the right physician network, and features the kind of benefits that will make it a good fit for you and your family's needs.

There may be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in Georgia.  No matter what you do, don't make the mistake of going without health insurance coverage.  It's not worth the risk.


Step 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the Cleveland, GA region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Speak with a health insurance broker.

Now that you are armed with information, contact a local health insurance broker.  When it comes to selecting the best health care plan for you and your family, the expertise an insurance broker can provide is essential.  A good insurance broker can assist you with every part of the health insurance plan buying process.  They can discuss with you the advantages and disadvantages when considering the size of your health plan deductible.  They can review and help you understand health plan co-insurances.  They can assist you in understanding your Affordable Care Act subsidy eligibility.  Speaking with a health insurance agent is a smart logical step you should make before any health plan purchasing decision.  Best of all, assistance from a health insurance agent is normally free.

Choosing a health insurance plan is not something to take "lightly".

There is a whole lot to consider when trying to track down an affordable, high quality, health insurance plan.   Unless you are a practicing insurance broker that works with health insurance all the time, there are a lot of important issues that you are likely to miss.  A great number of Americans are dissatisfied with their health insurance plan.  In many cases, the reason for this is not the health plan.  Rather, it is the consumer who chooses a plan without fully understanding the plan benefits.  Unfortunately, most consumers do not begin to understand how their health insurance plan works until a medical issue arises.  This is the wrong time to find out the meaning of such terms as "Deductible" or "Coinsurance". Choosing a health insurance plan is one thing you want to be sure to get right - before you need to use it.



Why it is so hard to find affordable health insurance.

Finding an affordable health insurance plan is difficult for good reason.  The problem is the fact that health insurance in America is changing.  The Affordable Care Act is having a greater impact within the health insurance market than ever before.  More Americans are eligible.  More Americans are qualifying for subsidies.

All the changes to the Affordable Care Act eligibility, rules and guidelines are just beginning to filter down to the average consumer.  Most consumers are only getting bits and pieces.  Confusion is the result. 

In addition, with so many other things to worry about, most people do not devote a lot of time keeping up with the complexity of US health insurance. The average consumer needs the assistance and guidence of a licensed health insurance agent. In Georgia, it is becoming increasingly difficult to find an agent that takes the time to personally assist customers.


ACA is more affordable.

In Georgia, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



Our health plan specialists are happy to help.

We know how confusing choosing a health insurance plan can be.  Plan benefits, physician networks, deductibles, Rx coverage, price, and other factors all need to be carefully considered.

Our team of insurance professionals will gladly assist you in sorting through all of the details in order to find a high-quality health insurance plan that meets your needs and fits within your budget.   Our services are free.  call now.    706-865-0887