How to Protect Yourself from the Unexpected Costs of Health Care

It’s no secret that health care costs are rising. In fact, according to a recent study by the Kaiser Family Foundation, the average annual cost of health insurance for a family of four is now over $20,000. And that’s just the average cost – if you have a major health event, your costs could be much higher.

That’s why it’s so important to have health insurance. Health insurance can help you pay for medical expenses, such as doctor visits, hospital stays, and prescription drugs. It can also help you protect your savings and assets in the event of a major health event.

The Affordable Care Act (ACA)

The Affordable Care Act (ACA) is a landmark piece of legislation that was signed into law in 2010. The ACA has made health insurance more affordable and accessible for millions of Americans. It has also expanded coverage to include essential health benefits, such as mental health and substance abuse treatment.

ACA’s Subsidies

One of the most important provisions of the ACA is the availability of subsidies to help people afford health insurance. These subsidies are available to people with incomes up to 400% of the federal poverty level (FPL). This means that a family of four with an income of up to $106,000 could qualify for subsidies to help them pay for health insurance.

ACA’s Health Insurance Marketplace

The ACA also created the Health Insurance Marketplace, which is a website where people can compare and purchase health insurance plans. The Marketplace is available to individuals and families who do not have access to health insurance through their employer.

How to Get Coverage under the ACA

If you do not have health insurance, you can get coverage through the Health Insurance Marketplace. You can also get coverage through your employer or through a private insurance company.


Health insurance is an essential part of financial planning. It can help you protect yourself from the unexpected costs of health care and ensure that you have access to the care you need. If you do not have health insurance, I encourage you to explore your options and get covered today.

Our licensed insurance agents will be able to effectively help you find the right plan that will meet the needs of you and your family. We are ready to answer any questions that you may have about the application process and qualified health plans according to your state requirements. Get a free quote today and experience top-tier customer service from our licensed agents.

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