One way to get family health insurance is through an employer that offers group insurance plans. First, find out if your job (or your spouse’s job) offers family medical insurance plans, and if so, carefully analyze the costs and benefits of the plans.
Of course, not everyone has a job that offers health benefits.
Another convenient way to buy family health insurance is through the federal government’s Health Insurance Marketplace. Fortunately, the website makes it easy to compare plans. You can get a summary of benefits and other helpful info about each family insurance plan on the Marketplace. This is a great tool to find out if plans cover your family’s prescriptions, or whether your doctor is in the insurance network.
You can only apply for individual and family health coverage plans through the Health Insurance Marketplace during Open Enrollment or a Special Enrollment Period. The next Open Enrollment period starts on November 1st, 2022. You may qualify for Special Enrollment if you have experienced a life event, which includes but is not limited to:
- Getting married.
- Having a baby.
- Losing your job-based health insurance.
If you are unable to apply right now, consider applying for short-term family health insurance through a private insurance company. Short-term family insurance can keep your family insured until you can apply through the Marketplace or find more permanent insurance another way.