Having insurance to cover you and your family is one of the most important things that you can have in place…and today, is also required under the Affordable Care Act (aka Obamacare).
Imagine that one of your children falls and breaks their arm. You take them to the emergency room where their injury is x-rayed and then they are placed into a cast? This simple process could easily cost you well over $5,000 if you don’t have a health or medical insurance. Now, imagine you, your wife and children are out on a ski trip in Colorado. One of your children skis down the slope, slams into a tree, is knocked unconscious and ends up in a coma. Without insurance, your financial future could be lost.
As important as health insurance is, especially once you are married and/or have a family, it’s not surprising that it is a topic that is not well understood by many. Thus, it is important that you have a good understanding of what it is, how to obtain it, and what to do with it.
To begin to get acquainted with healthcare insurance, it is important to understand:
1. Types of health insurance plans
2. Premium and out-of-pocket costs
3. The types of benefits offered with healthcare plans
4. How to choose the right type of plan
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