Different Types of Health Insurance Coverage to Consider

Choosing the right health insurance is an important decision for individuals and families. With many options available, understanding the differences between plans can help you find the coverage that fits your needs and budget. At Shelton Insurance, we’re here to guide you through the various types of health insurance available and help you navigate your options and select an optimal plan.

Common Health Insurance Options

When shopping for a health insurance plan or reassessing your current coverage, consider the following possibilities:

• Employer-sponsored health plans—Many people receive health insurance through their employer. These group plans often offer multifaceted coverage and may include options for dependents. Employers typically share the cost of premiums, making this an affordable choice for many families.
• Individual and family health plans—If you’re self-employed, between jobs or your employer doesn’t offer coverage, individual and family health plans are available through various means. For example, in California, you can shop for insurance through the Covered California marketplace. These plans can vary in coverage levels and costs, allowing you to select what best matches your health needs and financial situation.
• Government programs—You may also qualify for government-sponsored health insurance programs, including Medicare and Medicaid. Eligibility for these programs may vary depending on your age, health status and income.

What Types of Policies Are There?

Health insurance plans may come in various forms, including the following:

• Health maintenance organizations
• Preferred provider organizations
• Point of Service Plans
• Exclusive provider organizations
• High-deductible health plans

How to Find the Right Coverage in Hollister, CA

Understanding where to find health insurance and how various options may provide differing coverage can be a complicated and confusing task. Fortunately, with the help of the knowledgeable and experienced team at Shelton Insurance, you can learn more about different types of policies and how to find the right fit.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.