Finding health insurance near me Houston, TX that fits your monthly budget is easier than you think. Although to many people, the words “affordable insurance” sound like an oxymoron, it’s possible when you find the right plan. An experienced insurance agent can hook you up with health insurance near me that will seem like your one and only. Golden Plan Choice can show you all of the options you have.
Is health insurance necessary?
Yes – we highly recommend buying health insurance! Of course, no law specifically penalizes you for not buying insurance. However, health insurance can be the barrier between you and medical debt in the case of a medical emergency. It’s less of a burden to pay monthly premiums than to shoulder thousands of dollars in an instance after a visit to the hospital.
There are also other benefits to buying health insurance. For example, most basic insurance plans cover basic healthcare, such as routine checkups and exams. If you don’t have insurance, you might avoid visiting the doctor’s office because you can’t cover the exorbitant cost. However, individuals or families with coverage will visit more often and prevent or catch any medical mishap before it becomes a major problem.
So, rather than letting nature take its course, get health insurance near me. Golden Plan Choice can help you find plans that best match your lifestyle and financial situation. Call our Houston office as soon as you’re ready to protect yourself from the “what ifs” of life. Our insurance agents will show you all of your coverage options and inform you of everything so that you can make an educated decision.
Finding Affordable Health Insurance Near Me Houston, TX
No insurance is one-plan-fits-all. A plan that works for your neighbor or extended family may not work for you. You may have different medical concerns, more or less dependents, or your salary doesn’t match the deductible and premiums they have. A Golden Plan Choice agent can connect you with plans that match your situation, whether a government-sponsored program or a private insurance plan.
First, you have to figure out who the insurance plan is for. Is it for yourself, or is it for you and your family? Individual insurance differs from family insurance from the price to the coverage. Our agent can go over the pros and cons with you so you have a better understanding of which plan you should go for.
Medical emergencies can happen to anyone, anywhere, so you should at least have a basic plan to cover you in case something happens. Individual insurance plans are better if you’re single or want to cover any holes the insurance you get from work or your organization has. For example, you might get benefits from your company, but group plans tend to be generic, and you may need something more specific to cover a medical condition you have, like diabetes.
Family insurance can cover you and several dependents. You can also tailor family insurance plans to cover incidents and accidents that could happen with your dependents. For example, your kids will count as dependents on your insurance plan. They may need more doctor’s appointments as they grow up, so you want your plan to cover their necessary visits and needs.
The Affordable Care Act: AKA Obamacare
During the Obama administration, President Obama passed the Affordable Care Act (ACA), nicknamed Obamacare. The government backs insurance plans under the ACA and are, true to their name, affordable. However, like other government-sponsored programs, you can only enroll in Obamacare plans during a specific open enrollment period. This enrollment period usually starts later in the year, from October to January.
The agents at Golden Plan Choice can help you enroll in a plan that matches your criteria. You’ll be sure to find an Obamacare plan that can cover everything you need while keeping yourself from stretching your monthly budget thin. However, unlike more in-depth private insurance plans, Obamacare may not cover more specific medical conditions. You may need to discuss with an insurance provider to see which plan is better for you in the long run.
Other Government-Backed Insurance Programs
Obamacare isn’t the only government-backed insurance program available. However, unlike Obamacare, which is open to any US citizen looking for affordable insurance, the other programs are only available to individuals and families that meet strict criteria. Some of these programs include the following:
- Medicare – available to seniors and retirees 65 years old and above. Seniors who have paid at least ten years of social security deposits are eligible to enroll in a Medicare plan.
- Medicaid – available to individuals or families making under a certain financial level. Individuals or families eligible for this program can enroll in a Medicaid plan to cover their basic healthcare.
- CHIP – available to underage children who don’t already have insurance. This plan targets children in families that make more than necessary for Medicaid but not enough for a private insurance plan that can cover their dependents.
If you need help checking if you’re eligible for any of these plans, our agents can help you. Golden Plan Choice can help you make the best choice to protect your finances in the face of a medical emergency. Although healthcare and health insurance near me prices continue to rise, we’ll do our best to ensure you get a plan that fits your budget.
How Can You Get Health Insurance Near Me?
Finding health insurance near me sounds like no easy feat. However, it’s possible so long as you speak with a professional. Contact our team at Golden Plan Choice to see all the options on the table before you make a decision.
We have locations throughout Texas, including an office in Houston. Visit us to learn more about why health insurance is essential for your everyday livelihood. Our team will show you how getting health insurance near me is easier than you would expect.
Houston, Texas Fun Facts:
- There are over 150 museums in the city.
- The Fine Arts Museum has the largest collection of artwork in the South.
- Most of the museums in the Museum District have free general admission on Thursdays.