Can I purchase my own health insurance instead of using what is provided by my husband's employer?

Question

I ask this because what if I found another insurance company that I like better than the one provided?

Answer 1

Absolutely, you can.

Just be sure you know what you're getting, coverage wise, and exactly what the costs are. Rarely do you get a "better deal" on an individual policy.

Answer 2

Sure you can but your premiums will be a lot higher. With employer sponsored plans, the employer is picking up part of the tab and has negotiated a special plan and pricing based on insuring a group of employees.

An individual plan with similar coverage will cost several times more than what you are currently paying.

Answer 3

Yes you can, but you will have to qualify for coverage and pre-existing conditions may apply. Also your husbands plan may not let you join until open enrollment time - so check that first. If you decide to go it on your own, my advice is to check into a plan from a reputable and well known organization such United HealthCare, Aetna, Humana, Blue Cross/Blue Shield or Kaiser Permanente. You may be able to find cheaper, but the benefits, claims payment and customer service is generally better with a "named" carrier.

Answer 4

Of course you can----but the big reason people DON'T do it is because places like your husband's company kick in a huge chunk for employees. Without that subsidy, your premiums for ONE person would probably be about $300 a month--and you can DOUBLE that for both of you.

Answer 5

Sure you can, but it will probably cost more. Most insurance provided by employers is subsidized by them.

Answer 6

Yes you can. Unfortunately you will have to pay the whole premium. No employer help.

Answer 7

absolutely,but it does usually cost more.

Answer 8

You bet!!

Hope you can afford it!