What If You Can't Get Insurance Through Your Job?
What To Do If You Can't Get Insurance Through Your Job
The Short Answer: If you can’t get insurance through your job, don’t wait until you need healthcare. Once you have a problem, choices are limited. You have 4 basic options if you can’t get insurance through your job and uMedMarket helps with each:
- Enroll in Obama Care (this can be quite expensive and has very high deductibles if you do not qualify for a subsidy). Shopping on uMedMarket.com for out-of-pocket costs can save you a lot. Check with your insurer to see if cash expenses will count toward your deductible.
- Purchase an individual policy, also quite expensive and with pretty high deductibles. You can shop here. Again, shopping on uMedMarket.com for out-of-pocket costs can save you a lot. Check with your insurer to see if cash expenses will count toward your deductible.
- Join a Healthcare Sharing Ministry which are faith-based, voluntary cost sharing ministries. This is not insurance, but rather a group commitment to share the bills of group members. uMedMarket.com works great with this option. You must meet their individual membership requirements (basically this means being a committed christian). See our blog on Healthcare Sharing Ministries (coming soon).
- Go Bare (no insurance) and start saving money now for future expenses. uMedMarket is a major benefit in this situation because we save you a lot of cash.
Learn More About Insurance And Buying Healthcare Online
Co-Insurance is way to split payment for specific services between you and your insurer. Typically only certain high cost services will have a co-insurance payment, like hospitalization. With a co-insurance amount (usually a percentage of the allowable charge), you will always pay that percentage each time you use that specific service.