• Why You Need Health Insurance

  • With Health Insurance, you can:

    • You can prevent the onset of serious illness by seeing the doctor for preventative services
    • Prevent an existing condition from getting worse. 
    • If you or a family member has a heart condition, you can get treatment sooner. 

    Understanding Your Options

    Many people are often confused when trying to understand their health insurance options. This is why there are several resources available that can assist you in understanding and comparing health insurance coverage. 

    Summary of Benefits and Coverage:


    If you have a private health plan, you should get a standardized, easy-to-understand form called the Summary of Benefits and Coverage. You can use it to help you compare different insurance options.  Ask your insurer for it if they don’t provide it.

    To see a sample of this short form and learn more about how it can help you, Consumer Reports magazine has developed this helpful guide.

    Glossary of Health Insurance Terms:

    The U.S. Department of Health and Human Services has developed a glossary for common terms related to health insurance, such as deductible, co-payments and out-of-pocket limits.

    Reading up about health insurance can take a little time, but it will pay off — for your heart health!

    Paying for Health Care or Health Insurance

    The Affordable Care Act (ACA) allows qualifying individuals and families to receive financial assistance to help cover the cost of premiums. Known as the Health Insurance Premium Tax Credit, this subsidy helps people who need health insurance afford their coverage. Resources like HealthSherpa and Healthcare.gov provide resources that can help you find out whether you are eligible for the premium tax credit and shop for and compare the different health insurance plans available to you in your state. They may also be able to tell you if you qualify for programs like Medicare or Medicaid.

    Check out HealthSherpa.com or Healthcare.gov if you would like to learn more about health insurance options available in your state and what you need to do to get ready