Keeping yourself and your family healthy is no easy feat. With laws constantly in flux, it is nearly impossible to know who you’re supposed to get your health insurance from, or how much you’re supposed to be paying.
Today’s piece looks to clear up some of the fog for you. It’s important to know your rights and responsibilities when it comes to securing health insurance. Here are the big things that you need to keep in mind:
Insurance Through The Workplace: Who Is Responsible?
The most common way that people receive health insurance is through their employer. It isn’t always the most efficient system in the world, but it is the one that most people are stuck with at this juncture.
There are laws governing who has to be offered insurance, and it mostly revolves around one’s full time status. Currently, anyone who averages more than 32 hours in a work week is considered a full time employee, and must be offered benefits through their employer that includes things like health, dental, and vision insurance.
Your first step when seeking out insurance is a simple one: figure out the designation you have at your current company. For many, it is as simple as looking up your employee profile online, checking your pay stub, or having a quick conversation with your current supervisor. If you’re not considered full time, then there is going to be a bit more legwork for you described below.
For those that are full time though, your next step is to see what your employer offers. They typically have a few different packages available. Take your time to figure out what works best for you and your budget before making a decision, and make sure you get everything done before your company’s open enrollment period ends.
So You’re Not Full Time, What Are Your Options?
If you don’t qualify for full time status, then things are going to be a bit more difficult. Your first step is going to be to have a conversation with your employer. Are there any insurance options you can get as a part timer that might help you either obtain full coverage, or at least get in striking distance? If not, then perhaps there is a path that you can take to become a full time employee. Also0 know about LIABILITY INSURANCE
If neither of the above avenues are open to you, then there are two more courses of action that you can take. First, you may be best off just finding another job. Benefits like insurance are a huge part of compensation packages, and should factor into your total take home “pay”. If you aren’t getting insurance, then you may not be getting “paid” enough to make your job worthwhile. If you like your job and would prefer to stay, then your best bet may be to use the insurance marketplace to get yourself coverage.
No matter what you do, it is important that you find a way to get yourself covered. Emergencies don’t wait until you’re ready, so take the necessary steps today to ensure that you have the proper coverage. Check out best insurance brokers near me