How do you get health insurance?

Majority of employees get the health insurance through their employer or the organization they work for. These plans are known as Group insurance plans. The people who do not have an access to these plans need to buy an individual health insurance plan or family health insurance plan to provide coverage to themselves or to their families respectively.

Group insurance plan
If you are a member of some organization or an employee, your employer might provide you this health insurance plan. These plans can be customized to suit requirement of both employer and employee. In this case, the part of premium or the entire premium amount is paid by the employer. Thus, it is an easily affordable plan.

When you get group health insurance through membership of an organization, you get a benefit of being the member of a large organization. You have to pay for less premium amount than an individual or a family plan.

Individual or family health insurance plan
If your employer does not provide you with a group insurance plan or you are self employed, you need to purchase an individual or a family health insurance plan directly from a health insurance company.

Different insurance companies provide different insurance coverage limit, different features and different benefits. Moreover, you have to pay for the premium amount yourself. Therefore, search and buy a plan that suits best to your needs and budget.