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Under the Affordable Care Act (ACA), the open enrollment period for health insurance for the upcoming year has ended. If you experience a qualifying change of circumstances, though, you may be able to enroll in Marketplace insurance outside of the enrollment period. Otherwise, coverage options might include employer-sponsored policies and private policies. Regardless of your medical needs or eligibility, finding quality coverage can be challenging. Below, the team at Mutual Underwriters shares a few tips for getting started:

3 Tips for Purchasing a Health Insurance Policy in 2018

1. Track Any Changes That Could Affect Coverage

It is natural for someone’s healthcare needs to change over time, and because of recent events, coverage options have changed, too. Thus, the plan that met all of your needs last year may not necessarily be the best option this year. For this reason, it is essential to review your current policy and keep an open mind in regard to changing it. If you’re not sure how your options for this year compare to last year’s, a personal insurance agent will be happy to explain them.

2. Shop Around

health insuranceHealth insurance is a business like any other, which means all the major providers must compete with one another to attract customers. Thus, you probably have several legitimate options regardless of your particular needs, and if you review all of them, you can save considerably by purchasing the most affordable one.

3. Turn to Friends, but Rely on Professionals

If you have friends or loved ones with circumstances similar to yours, ask about their health insurance coverage. People with firsthand experience using certain policies can serve as valuable resources for those who are still exploring their options. At the end of the day, though, confirm everything with a seasoned insurance agent to ensure you make the best choice for your particular situation. 

If you need to update health insurance coverage this year but missed open enrollment under the ACA, turn to Mutual Underwriters to discuss the other options. Based in Honolulu, they also have offices in Waipahu, Wailuku, Kailua-Kona, and Hilo. Visit their website to learn more about the various products they offer in regard to life and health insurance, or call (808) 532-2888 to make an appointment. 

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