Health Insurance in Kent, OH
Taking care of your health is essential for living well day to day, but medical care can come with high costs. Health insurance may help ease the financial burden, making it easier to afford necessary care.
Which Health Insurance Option Should I Consider? 
There are several types of health insurance, and you may have different ways to get covered. Many people receive coverage through their employers, which is often cheaper. Others explore the Health Insurance Marketplace, where you can review and compare various plans.
No matter how you approach finding coverage, knowing the differences between common types of plans can help guide your decision:
- Health maintenance organization (HMO)—These plans require you to choose a primary care doctor who handles most of your care and referrals. They typically have a specific network of providers, which can help keep costs down but may limit your choices.
- Preferred provider organization (PPO)—These plans offer more flexibility by covering some out-of-network care, though usually at a higher cost. In exchange for that flexibility, PPOs tend to come with higher premiums and deductibles.
- Point of service (POS)—POS plans mix features of HMOs and PPOs. You’ll choose a primary care provider but can also see out-of-network professionals, often with a referral.
- Exclusive provider organization (EPO)—These plans don’t require a primary care doctor or referrals but generally limit coverage to in-network providers.
When Is Open Enrollment?
Open enrollment happens once a year, when most people can sign up for or change their coverage. For Marketplace plans, open enrollment usually runs from Nov. 1 through Jan. 15. However, some states set their own deadlines. Employers may also have their enrollment periods for workplace plans.
Need Help Navigating Your Options?
Advantage Insurance Agency knows health insurance can be complex and overwhelming. We’re here to walk you through the process and help you secure optimal coverage. Contact our team today to learn more.