The individual health care insurance marketplace can be difficult to navigate if you don’t have a lot of experience. That’s why employers tend to negotiate directly with insurance companies, employing benefits specialists to ensure their policies cover everything their employees will need. Unfortunately, for freelancers and entrepreneurs who buy individual plans, the marketplace doesn’t tend to offer that kind of immediately visible service, and hiring human resources professionals to manage the benefits of a single employee is seldom a great idea. That’s why you need to understand how your local insurance agent can help you buy health insurance Sacramento CA.

All the Plans You Are Looking For

It shouldn’t really surprise you that the same insurance agents who can break down your coverage for home, vehicle, and life insurance to make sure you have all your predictable risks managed would be able to do the same thing for healthcare. Many people have the mistaken impression that health insurance is in a special class on its own when it comes to purchasing and packaging. While that certainly can be true, especially when it’s an employer-sponsored benefit, traditional insurance agents have sold health insurance packages for about as long as those insurance packages have existed. California’s healthcare marketplace is actually designed around this idea.

Why Work With an Independent Insurance Broker or Agent?

Independent brokers work with a wide variety of carriers, allowing them to submit your package to all of their affiliates to see which ones offer you the best rates. In some cases, they might even be able to bundle insurance packages together. This is rarer with health insurance than other types, but combined health, dental, and vision plans are becoming more commonplace. If you want to learn more, contact a local insurance agent and ask what your options for health insurance are. You should be able to find all the same options you hear about in other marketplaces.

  • HMO
  • PPO
  • Indemnified
  • Catastrophic

Don’t wait to get the health coverage you need. Start shopping for insurance today.

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