Health Insurance
Most people get health coverage through an employer, a government program, or the individual market. The plan type, HMO, PPO, EPO or high deductible, determines how much freedom you have in choosing providers and how costs are shared.
Two plans with similar premiums can behave very differently once you need care, because the deductible, coinsurance and network rules do most of the work.
Availability
Hire Best Pros is not connecting people with health insurance professionals yet. This page is here as background reading while we work on it. Everything we do cover today is listed in our service directory.
What people usually need
- Comparing employer plan options during open enrollment
- Coverage after leaving a job
- Coverage for dependents and young adults
- Prescription-heavy coverage needs
- Pairing a high deductible plan with a health savings account
What to weigh before hiring
Network first
Verify your providers are in network. Out-of-network care is usually far more expensive and may not count fully toward the out-of-pocket maximum.
Prescriptions are their own comparison
Check each plan's formulary for the specific medications you take, since tiering differs between plans.
Out-of-pocket maximum
This is the number that matters in a bad year, because it caps what you pay for covered in-network care.
Common questions
- Is a high deductible plan a bad idea?
- Not necessarily. For people who use little care and can fund a health savings account, the lower premium can come out ahead. For heavy users it usually does not.
- What happens to coverage when I leave a job?
- Continuation coverage may be available, and losing employer coverage typically opens a marketplace enrollment window.