At least 92% of Americans are enrolled in a health care plan, but the remaining 8% amounts to over 26 million people with no health insurance. Most folks who are covered by a health insurance plan receive that coverage through their employer. However, as companies are forced to scale back on employee benefits or lay off workers, millions across the nation are finding themselves without employment and the health protection they and their families need. Research confirms that the uninsured are more likely to put off preventive care or seek medical attention for serious health conditions. Here are the 5 benefits of buying health insurance online.

The Affordable Care Act (ACA) of 2010, also known as Obamacare, opened the market for private health plans through marketplaces. The ACA mandates that health plans provide certain essential benefits, including preventive care, and it doesn’t allow insurers to deny coverage to people with preexisting conditions. Although the law is facing legal challenges (and despite drastically scaled-back outreach), Obamacare is still available. Now is the time to get coverage while you can.

The internet makes it easier than ever to find affordable, comprehensive health coverage for yourself and your family.

5 Benefits of Buying Health Insurance Online:

1. Your Time, Any Time

Online shopping for health insurance comes with the same convenience as browsing for deals on your favorite retailers’ websites. You don’t have to set up an in-person or virtual appointment just to explore your options. Take as much time as you need to search out different companies and plans in privacy. No one is pressuring you to decide right this moment.

2. Benefits of buying health insurance online enables choice

When shopping for an individual health insurance plan online, you choose the insurance company and plan that fit best with your financial situation, needs, and preferences. For instance, you can limit your search to high-deductible plans if you rarely need medical services, or you can look for plans with lower out-of-pocket expenses if you have a chronic illness. You can further narrow down options according to which health care providers, hospitals, and medications are included.

When you choose a health plan online, there’s no need to worry about losing the protection you purchase if your employment situation changes.

3. Your Custom Comparisons

Instead of waiting for individual quotes from insurers, you can use online comparison tools to see premiums, deductibles, and benefits from different plans all at once. You’ll be able to find what companies offer coverage in your area and within your budget. Many online insurance providers simply ask for basic information, such as ages of the insured, ZIP code, and tobacco use, along with contact information before giving you access to a list of comparisons.

4. You Might Save Money

Employers who offer health benefits are offloading an increasing proportion of premium costs onto their workers. Average family premiums of job-based insurance outpace wage growth, and employee deductibles have spiked up past 100% compared to 2010 levels. In many cases, the financial load is more than employees can handle, so they opt-out of coverage altogether. However, you may find more economical insurance options by shopping online for an individual health insurance plan.

5. You Might Qualify for Help

Depending on how your income compares to the national poverty guidelines, you might be eligible for a premium tax credit that reduces your monthly premium on marketplace plans. If you qualify to receive a PTC, you might also be able to get a cost-sharing subsidy that can help cover deductibles, co-payments, and coinsurance. TrueCoverage works hard on your behalf to help you discover and take advantage of every cost-sharing reduction, PTC, or subsidy available to you.

What you’ll pay for health insurance stays the same whether you enroll through a health insurance marketplace, an independent agent, or directly with an insurance company.

Find Your Health Insurance Plan at TrueCoverage

TrueCoverage puts the power to choose in your hands. With the help of our free online tools and resources, you have access to accurate, up-to-date information and support to make confident decisions for your health protection. Our platform makes it easy for you to compare costs, benefits, providers, and covered prescription medications privately and without obligation or hard selling.

Human Help 24/7

TrueCoverage understands that choosing a health insurance policy online might be challenging to do alone. With TrueCoverage, expert help is just a click or call away whenever you need us. We are your one-stop-shop: a health insurance marketplace, insurance broker, and personal advisor, all in one place. Our award-winning customer service team of licensed insurance agents is standing by around the clock to help you navigate the health insurance landscape and find the best plan for you.

A Plan for Everyone

TrueCoverage offers health insurance options for individuals, families, and employers. We’ve partnered with over 600 leading carriers in every state to bring you more than 50,000 affordable solutions. Our platform lets you compare multiple quotes within seconds. We can also recommend a full range of ancillary services, including vision, dental, life, disability, critical illness, accidental death, and Medicare Supplemental plans.

Objective Advice

TrueCoverage is not owned or run by any insurance company, so we have no incentive to steer you toward a certain carrier or type of plan. We are an independent, Certified Direct Enrollment Partner of Healthcare.gov equipped to offer you the most health care choices for the best protection. All the plans we offer are ACA-compliant, too. No matter which plan you purchase, we back it up with free customer service and knowledgeable guidance for as long as you’re enrolled. We serve our customers first.

TrueCoverage: The Best Coverage at the Best Prices

If you’re currently without health insurance because you can’t afford your employer’s insurance or you lost your job, don’t give up on getting coverage. Safeguard yourself against unexpected illness or injury with a plan you can handle. Over 1 million shoppers have found economical, comprehensive medical protection with us. We have even helped customers obtain coverage with zero premiums through the marketplace.

Let TrueCoverage show you how easy online shopping for health insurance can be — check us out today.

Photo by Olya Kobruseva from Pexels