The simple answer to this question is—everyone. No matter how healthy you are, you might need to visit the hospital for one reason or another. Without proper health insurance in Pearland, TX, you will be required to pay for medical expenses from your pockets, which can be pretty expensive. However, certain circumstances make it more likely that you will need health insurance more than other people. You need a health insurance plan if:
You are Expecting a Child
Financial preparation is quite essential if you are expecting a child. A lot of money goes into maternity and postnatal visits to the doctor. Therefore, you need to be prepared with adequate health insurance to cover the majority of the expenses. At Barry Insurance Group, we recommend consulting your doctor to find the best health insurance offers for maternity care.
You are Aged 26 or Older
The Affordable Care Act (ACA) allows young people to be covered under their parents’ health insurance until they are 26 years old. From that age, you will need to buy your separate health insurance to protect you and your family when you get married.
You are Unemployed or Self-Employed
If you lose your job, you are still eligible for health insurance through your employer’s health insurance plan via a program known as the Consolidated Omnibus Budget Reconciliation Act (COBRA). The program ensures that employees continue to have health insurance even after losing their jobs. If you are married and self-employed, you can purchase health insurance and include your spouse and children.
You are Approaching Retirement
When you retire, your income reduces, and you are no longer eligible for employer-sponsored health insurance. Retirement age also comes with age-related illnesses, some of which can be chronic and deadly. With this in mind, you need to make sure you have enough health insurance before you retire.
Don’t wait till you have an emergency to buy health insurance. Barry Insurance Group agents are always ready to provide you with useful information to help you make an informed decision. Contact our office in Pearland, TX today!