The best way to get low-cost health insurance that is also affordable is to have a group health insurance plan through your employer. Aside from state-sponsored health insurance plans, group health insurance plans are the most affordable and low-cost health insurance plans you can get. If your employer offers a group health insurance plan, you'll pay even less for health insurance than if you bought a group health insurance plan on your own.
Most employers have certain requirements that employees must meet before they can join the group health insurance plan that the employer pays for. These rules have to do with things like how many hours an employee works and whether or not the employee works full-time or part-time. Some employers also have time requirements. This means that the employee has to work for the company for a certain amount of time before he or she is eligible for the group health insurance plan that the employer pays for.
Most of the time, employer-sponsored group health insurance plans are the most affordable and low-cost health insurance plans. If your employer gives you group health insurance, the premiums are either split between you and your employer or paid for by your employer in full. This means either of the following:
You only have to pay half of the health insurance premiums and a small co-payment.
You only have to pay a small co-payment, which is easy to afford.
When you include your spouse and children, employer-sponsored group health insurance plans become even more affordable and cheap. Rather than purchase individual health insurance policies for each of your family members, or pay out-of-pocket for health care costs, you can add your spouse and your children to your employer-sponsored group health insurance plan.
Find out if your employer has a group health insurance plan, and if they do, ask how you can sign up for the plan today.
