Many countries in the world offer affordable healthcare services without the need for health insurance. Unfortunately, the United States is not one of those countries. Unless you have substantial monetary savings or a highly optimistic view of your future health, then we highly recommend that you have health insurance. Sorry about that!

Yes! You can’t stay healthy forever, after all. That said, health insurance is useful for continued health maintenance. Annual checkups, bi-annual dental visits, and optometry appointments are all examples of these. Besides, what if an emergency occurs? We promise that you will be happy to be covered if the worst should occur.

No! Healthcare plans are not ‘cookie-cutter’, but rather quite variable. When it comes down to it, broadly speaking, there are 4 major types: fee-for-service, PPO, POS, and HMO. Although this may seem daunting, the key differences between these types come down to cost-structure and autonomy to choose one’s own health care practitioners.

Of course it is! Although it is most common to receive health insurance through an employer, that is by no means the only way to gain coverage. Individually-sold plans, group-based plans, Medicare, COBRA, and Medicaid, and health insurance marketplaces are all avenues one can take to secure health insurance without a job.

Alas not. Unfortunately, health insurance providers limit policy applications to an annual enrollment period. Typically limited to 45-60 days, enrollment period length is dictated by individual state law. That said, those wishing to gain limited coverage outside of the enrollment period are able to apply for supplemental coverage and/or dental insurance.