{"id":1549,"date":"2020-08-06T10:00:00","date_gmt":"2020-08-06T10:00:00","guid":{"rendered":"http:\/\/itcblog.zywaveinternal.wpengine.com\/itc-syndicate\/\/\/\/do-i-have-to-get-health-insurance-through-my-employer\/"},"modified":"2022-11-28T09:51:17","modified_gmt":"2022-11-28T15:51:17","slug":"do-i-have-to-get-health-insurance-through-my-employer","status":"publish","type":"post","link":"https:\/\/www.shoopins.com\/es\/blog\/do-i-have-to-get-health-insurance-through-my-employer\/","title":{"rendered":"Do I Have to Get Health Insurance Through My Employer?"},"content":{"rendered":"

Do I Have to Get Health Insurance Through My Employer? <\/span><\/p>\n

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n modern days, essentially no business is worth working for if they don\u2019t offer a solid health insurance plan. Healthcare is expensive and insuring through your employer can often be the cheaper option.<\/span><\/span> <\/span><\/p>\n<\/div>\n

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There is no mandate stating that you <\/span><\/span>have to<\/span><\/span> purchase health insurance through your employer if you don\u2019t want to, however.<\/span><\/span><\/span><\/p>\n

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Benefits of Individual Health Insurance<\/span><\/span> <\/span><\/p>\n<\/div>\n

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There are many benefits to purchasing your own health insurance plan as opposed to purchasing through your employer. For one, you have more choice when it comes to insurance providers and coverage. Instead of being insured with the same policy as your fellow employees, you can more easily tailor your policy to fit you or your family\u2019s needs. You also don\u2019t have to stick with the insurance provider offered by your employer.<\/span><\/span><\/span><\/p>\n

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Another large benefit is having coverage even if you\u2019re unemployed. If you lose your job, your health insurance can be gone in the blink of an eye. If you have your own policy, however, even if it\u2019s simply supplemental, you don\u2019t have to worry about losing your coverage if you lose your job.<\/span><\/span><\/span><\/p>\n

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Downsides of Individual Health Insurance<\/span><\/span> <\/span><\/p>\n<\/div>\n

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There are certain drawbacks to insuring yourself. For one, purchasing your own health insurance policy can be more expensive than insuring with your business. It also means that you\u2019ll have to deal directly with your agent and your policy rather than sending issues up the chain.<\/span><\/span><\/span><\/p>\n

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Every person and family are different. You will have different healthcare needs than your neighbor, so it\u2019s important to make the right decision according to you rather than what is easiest or most common. It\u2019s also critical that you compare prices. Depending on your employer\u2019s plan, purchasing health insurance through your employer could <\/span><\/span>actually cost<\/span><\/span> more than buying a policy from a different insurance provider. The average cost of health insurance for individuals is around $440 while health insurance for families costs around $1,168. These prices seem to rise every year, so make sure to keep track of the rising rates.<\/span><\/span><\/span><\/p>\n

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Even if you\u2019re insured with your employer, it doesn\u2019t hurt to compare prices every so often to make sure you are getting the best deal. Always ask your employer or HR manager about their policy\u2019s limits and restrictions, as no policy is created equal and many health insurance policies exclude things such as dental care.<\/span><\/span> <\/span><\/p>\n<\/div>\n

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\n\t\t\tSOURCE<\/a><\/p>\n<\/td>\n<\/td>\n\n INSURANCE TECHNOLOGIES CORPORATION<\/a>\n\t\t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Do I Have to Get Health Insurance Through My Employer? n modern days, essentially no business is worth working for if they don\u2019t offer a solid health insurance plan. Healthcare is expensive and insuring through your employer can often be the cheaper option.  There is no mandate stating that you have to purchase health insurance through your […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1549","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/posts\/1549","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/comments?post=1549"}],"version-history":[{"count":0,"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/posts\/1549\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/media?parent=1549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/categories?post=1549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shoopins.com\/es\/wp-json\/wp\/v2\/tags?post=1549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}