Is your current health insurance going up? How to handle health insurance changes
It’s that time of year again – open enrollment for health insurance. If you’re like many people, you may be dreading the thought of trying to figure out what plan is right for you and your family. But don’t worry – we’re here to help.
In this blog post, we’ll discuss what to do if your current health insurance is going up, and how to find a broker or adviser who can help you get the best coverage at the best price.
What to do if your current health insurance is going up
If you’re facing a premium increase, there are a few things you can do:
1. Compare plans. The first step is to see if there are any other plans that offer similar coverage at a lower cost. You can do this by shopping around on the Health Insurance Marketplace or by contacting a broker or adviser.
2. Negotiate. If you’ve been with your current insurer for a while, you may be able to negotiate a lower rate. Call your insurer and explain that you’re considering switching plans if you can’t get a better deal.
3. Switch plans. If you can’t find a better deal, you may need to switch plans. This is a big decision, so be sure to weigh your options carefully before making a change.
How to find a broker or adviser
If you’re not sure where to start when it comes to finding a broker or adviser, here are a few tips:
1. Ask friends and family. If you know anyone who has recently purchased health insurance, ask them who they used.
2. Search online. There are many brokers and advisers who have websites and online profiles. You can search for brokers in your area or compare their services online.
3. Contact the Health Insurance Marketplace. The Health Insurance Marketplace can provide you with a list of certified brokers and advisers in your area.
Once you’ve found a few brokers or advisers, it’s important to interview them to find the best one for you. Be sure to ask about their experience, fees, and how they can help you get the best coverage at the best price.
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