Obamacare health insurance (ACA) rates continue to climb. For many people, the cost can be compared to their mortgage! Everyone is searching for alternative options that are cheaper but still provide quality coverage. But how can you know if an alternative plan is actually going to provide value? Separating fact from fiction is becoming increasingly difficult, especially with the increase of junk plans and spam calling insurance agents.
If only you had an agent that you could trust! Someone who was knowledgeable about the current healthcare market, honest, local and reviewed by others. Wait! That perfectly describes Georgia Health Insurance! We are your guiding light during the health insurance storm.
Good thing you found us! Lets briefly go over the different healthcare options before you contact us:
Short-Term Health Insurance plans
Pros:
- Cheaper than ACA plans
- Covers new accidents and illnesses up to $2M (with the right carrier)
- Protects against catastrophic expenses due to a healthcare need
- Can last from 3 months – 1 year
- Easy to get a quote and apply
Cons:
- Does not cover normal doctor visits
- No Coverage for preexisting conditions
- The longer coverage period you choose the more expensive
Indemnity Plans
Pros:
- Cheaper than ACA plans
- Pays a set amount for different healthcare needs
- Offers transparency (with the right carrier)
- Can be combined with other types of health insurance
Cons:
- Does not usually protect against catastrophic expenses due to a healthcare need
- MANY scam/worthless types of indemnity plans are sold
- No transparency with the wrong carrier
Faith Based Sharing Ministries
Pros:
- Cheaper than ACA plans
- Coverage can be quite comprehensive
- Is based off religious principles and can line up with your faith beliefs
- Some companies have been around a long time and have a proven track record of providing for needs
Cons:
- Not insurance
- Preexisting conditions are usually restricted in some way
- Coverage is not as comprehensive as ACA plans, more restrictions
- Some companies do not have a proven track record
Direct Primary Care
Pros:
- Cheaper than ACA plans
- A more personal approach to healthcare
- Pricing transparency
- Can be combined with other types of health insurance
Cons:
- Need to be combined with some other type of health insurance
- Limited network of doctors that participate (but growing fast)
Group Health Insurance
Pros:
- Can be cheaper than individual ACA plans
- Better networks than individual plans (PPO and NPOS)
- Just need 2 employees to write
- Company can deduct expenses, employees pay pre-tax
- More options than individual ACA plans
Cons:
- Can be just as expensive
- Must have a real company with employees
- Husband Wife groups restricted in options
