The first question that most consumers have when considering where to purchase health insurance is "Is it available through my employer?" This question is often a good one, but not in the way you might think. Most employers ignore the Affordable Care Act, which is now law, but there are still some companies that offer Affordable Care Act plans for large groups. The process can be overwhelming, so you may want to consider using an agent to guide you through the process.
You can buy your own health insurance without a broker or agent. There are state and federal marketplaces that allow you to compare plans, and you can visit a local agent's office to schedule an appointment. You should ensure that the health insurance agent you select is licensed in your state, since they are responsible for your best interests. There are also many ACA-compliant insurance plans that can help you save money with premium tax credits.
The New York state exchange also offers private medical evacuation plans, which are relatively unknown to the public. They are not widely advertised, but many individuals have benefited from them. These plans cover emergencies and other major catastrophes, and they are ideal for people who don't want to deal with a large group. By utilizing a private medical evacuation plan, you can decide which policy suits your needs and budget. You'll also receive a certificate of insurance when your plan covers your trip, so you'll know you're insured in the event of a major disaster.