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Private Family Health Insurance

Health insurance alternatives

Private Family Health Insurance

Private family health insurance plans are generally the best option for getting health insurance coverage that meets your needs at a price that works with your finances. Under Private family health insurance plans you can choose the deductible, co-payment, and coverage options that best fit your needs. Many times these plans are also called individual insurance plans and can be extended to cover spouses and dependents.

Under these private health insurance plans, you can customize the insurance care you need so it fits your budget, lifestyle, and health needs. Many families report saving substantial money when they use these plans. It is always smart to get a quote before signing up for COBRA insurance or any other plan.

What COBRA insurance alternatives should I consider?

Advantages of Private Family Health Insurance Plans

  • In many cases, it provides the most affordable comprehensive care for your entire family
  • In many cases, it features less expensive monthly premiums
  • Allows you to customize your coverage, you can choose deductible amounts, co-payments, range of plan, and more
  • Most likely your coverage will continue if you move out of state

Disadvantages of Private Family Health Insurance Plans

  • Many times limits or excludes for pre-existing health conditions for any family members
  • There is a strong likelihood your family will have to change doctors
  • You are responsible for finding a plan and maintaining coverage

Private Family Health Insurance Plans are best for:

  • Families who do not have existing health concerns, do not visit the doctor often, and are generally young and healthy
  • Families looking to customize their insurance coverage and reduce costs
  • Families who are nearing the end of their COBRA coverage
  • Families who believe they will not find employment soon and prefer continuous coverage
  • Families who have children that do not qualify for state sponsored health care. If your children qualify, you may want to consider individual or private family insurance for you and your spouse.

How to Research and Find a Private Family Health Insurance Plan

Step 1:

Do your research:

In order to find the best coverage and price for you it is important to research multiple Private Family Health Insurance providers. A good place to start is getting instant online quotes and exploring individual insurance provider websites.

Step 2:

Read the fine print:

The quality of a Private Family Health Insurance plan lies in the fine print. Make sure you understand your monthly premium, what it covers, deductibles, co-payments, and any limitations or exclusions.


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