Reasons to Get Health Insurance before the Obamacare Mandate

On January 1, 2014, when the Obamacare mandate takes effect, most Americans will be required to purchase health insurance or else pay a penalty. Why wait? We say get medical protection now, before Healthcare Reform kicks in! Here’s why:

Enrolling now familiarizes you with health plan options.
With anything that involves change, it takes time to become familiarized with whatever the new thing is. Getting a health insurance plan before the Obamacare requirement will help you get acquainted with the types of policies that are available so you can figure out what you need and which benefits you are willing to do without. This will make the transition go more smoothly for you.

Reduces Stress.
With familiarity comes less stress. The better informed you are of your options, the less stressful the Healthcare Reform process will be on January 1, 2014. You’ll have more peace of mind. You may enroll on a plan now and find that it meets your service needs. On the other hand, you may find that you’re not comfortable with the type of coverage you have. Either way, gauging how comfortable you are on a particular plan can help you determine if you would like to switch plans, or even carriers.

Time to Select a Doctor
Finding coverage early will give you time to find a doctor and provider that you like. You might find a doctor that you like that’s networked under a different insurance company than you are used to. So you may need to switch carriers in order to get coverage for the visits to this preferred doctor or else select a doctor from the list of networked providers. In any case, taking the time to settle which doctor and carrier you belong with can be a big help in preparing for the big 2014 health care transition.

Saves Time.
Test-driving a health plan now will not only save you time, it will also help you from going into a panic on January 1, 2014, when you will be required to pick a plan that meets the Obamacare qualified health benefit standards. Ask questions now. Be biased. Be opinionated. Really ask yourself what you are comfortable with in regards to both plan premiums and health coverage. This will help you determine which plan changes you would like to make in time for the big day.

Helps You Make Budget Adjustments Before You Have to.
Enrolling on a health insurance plan now will help you practice balancing your medical and pocketbook needs with the health insurance options available. Although current premiums are subject to change, enrolling now makes it easier to prepare for any potential premium transition and make any necessary adjustments.

These are just some basic reasons to consider enrolling on a health insurance plan now before Healthcare Reform goes into effect. We are always available to talk to if you would like to hear more about specific plans and rates that are available now. Call us at 1-800-514-0958 or post a comment below, and we would be happy to assist you with your health insurance questions and concerns.

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