Finding health insurance

Getting insurance through the workplace is the most common way to get health insurance, whether that be your own employer or a family member’s employer. That is normally the least expensive option as well. Some employers do not offer insurance, however, and some people are not working, and have to find another way to get insurance. Companies like Eichelmann Insurance in Richardson, TX can help you find the insurance you need.

Under the Affordable Care Act, people were required to have health insurance, or pay a penalty. That requirement has bee repealed effective in 2019, but there are still some ways the Affordable Care Act can have an impact on you. As long as the law is in place you cannot be turned down for insurance because of a pre-existing condition, for example.

There is a federal health insurance marketplace where you can purchase insurance. You can also contact a licensed health insurance broker in Texas to get health insurance. 

You may also get health insurance through a group plan such as an association, a union or a church. There is also Medicare and Medicaid for certain groups of people. There are also independent insurance agencies that sell insurance.

Most plans are managed plans, such as HMO, EPO, PPO, and point of service plans.  Managed care plans contract with doctors to get lower rates for members, so you have to use doctors that are part of that plan. Some have exceptions for various reasons.

The Eichelmann Insurance Agency in Richardson, TX can help you sort through the options. Contact them today, by phone or online, to learn more about health insurance options.  You may also visit their office and talk to an insurance professional in person. Existing customers are also invited to stop by and make sure their policy is up to date.