• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
  • Customer Portal
Tulsa and Muskogee: 800.259.4677 | OKC: 800.699.5905 | After HRS: 866-292-0953
Home
Customer Portal

 

  • Blog
  • Customer Service
    • Make a Payment
    • Request ID Card for Auto Policy
    • Request General Liability Certificate of Insurance
    • Request Evidence of Insurance
    • File a Claim
    • Property Loss Claim Form
    • Auto Accident Claim
    • Important Links
    • Insurance Glossary
  • Get A Quote
    • Workers Compensation
    • General Liability
    • Business Owners (BOP)
    • Bonds
    • Commercial Property
    • Homeowners
    • Automobile
    • Motorcycle
    • Farm
    • Watercraft
    • Health
    • Life
    • Annuity
  • About Us
  • Contact Us
    • Contact Us
    • Employee Directory
    • Our Locations
  • Home
    • Home Page
    • View our Blog
    • Join Our Newsletter
    • Refer a Friend
    • Privacy Policy
Business Insurance BUSINESS

Discover the perfect insurance options to meet your unique needs.

Read More
Workers Compensation Insurance WORKERS COMP

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Auto Insurance AUTO

Insurance that protects you against financial loss with accidents.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Health Insurance HEALTH

Learn about different health coverage options that fit your needs.

Read More
Home > Blog > Do I Have to Get Health Insurance Through My Employer?
WEDNESDAY, MARCH 10, 2021

Do I Have to Get Health Insurance Through My Employer?

Nearly all businesses in 2021 offer health insurance benefits to qualifying employees. Indeed, most professionals will not consider taking an offer from a reputable employer unless that employer offers benefits. All in all, health care and health insurance are both expensive. Therefore, being able to get benefits through your employer will usually be cheaper than buying health insurance on your own.stethoscope on top of health insurance paperwork

Still, there is no mandate stating that you have to purchase health insurance through your employer if you don’t want to. Sometimes, you might find that your employer benefits are not actually the benefits that are truly right for you. 

Benefits of Individual Health Insurance 
On one hand, there are many benefits to buying your own health insurance, as opposed to choosing employer-sponsored coverage. 

For insurance, you have more choice of coverage when you buy your own plan. Usually, your employer will only offer a small selection of plans from which to choose. By choosing your own plan, you’ll be better able to choose coverage that is the best fit for your and your family’s needs. You also don’t have to change insurers if you’re your insurer changes carriers. 

Plus, with your own plan, you won’t have to worry about your plan going away if you are unemployed. If you lose your job, your health insurance can be gone in the blink of an eye. If you have your own policy, however, even if it’s simply supplemental, you don’t have to worry about losing your coverage. 

Downsides of Individual Health Insurance 
But all the same, there are downsides to going your own way when it comes to buying health insurance. 

For one, purchasing your own health insurance policy can be more expensive than getting your plan through your employer. Employers frequently cover some (or all) of the cost of the plan, so that the employee doesn’t have to. As a result, your employer-sponsored plan will mean less of a blow to your paycheck than your regular monthly premium might. 

Still, every plan is different. It’s critical that you compare prices when getting covered. Depending on your employer’s plan, purchasing health insurance through your employer could actually cost more than buying a policy from a different insurance provider. Even if you’re insured with your employer, it doesn’t hurt to compare prices every so often to make sure you are always getting the best deal.  

When you become eligible for your employer’s health insurance benefits, always ask your employer or HR manager about their policy’s limits and restrictions, as no policy is created equal. All in all, you want the plan that will enable you to get the care you need in the most convenient ways. 

Posted 5:46 PM

Tags: health insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • business insurance(38)
  • home insurance(12)
  • auto insurance(9)
  • life insurance(8)
  • tips(7)
  • insurance(6)
  • workers compensation insurance(4)
  • general liability insurance(4)
  • coverage(4)
  • workers compensation(3)
  • health insurance(3)
  • business(2)
  • motorcycle insurance(2)
  • farm insurance(2)
  • boat insurance(2)
  • contractor insurance(2)
  • e and o insurance(1)
  • prevention(1)
  • auto insurance deductibles(1)
  • oklahoma city farm insurance(1)
  • protection(1)
  • workers comp(1)
  • claims(1)
  • retirement(1)
  • general liability(1)
  • passenger accidents(1)
  • income(1)
  • car insurance(1)
  • safety tips(1)
  • new business owners(1)
  • when should i buy life insurance(1)
  • oklahoma city home insurance(1)
  • side(1)
  • oklahoma city business insurance(1)
  • commercial(1)
  • business property(1)
  • auto insurance in oklahoma city(1)
  • annuities(1)
  • small business insurance(1)
  • equipment insurance(1)
  • preventing burns on job sites(1)
  • claims information(1)
  • scheduled coverage(1)
  • burnout(1)
  • business owner's policy(1)
  • oklahoma city workers compensation insurance(1)
  • monthly business review(1)
  • personal advertising injury(1)
  • cyber threats(1)
  • home safety(1)

View Mobile Version
Social
Facebook
Twitter
LinkedIn
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
EMC
Carriers
Twitter Logo
Tweets by @ijournal

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

bainswest logo

 

trusted choice
  • Mailing Address
  • 118 N 16th St.
  • Muskogee, OK 74401
  • O: 800.259.4677
  • L: 918.683.7844
  • F: 918.687.0244
  •  

  • Mailing address
  • 6601 Broadway Ext, Suite 130
  • Oklahoma City, OK 73116
  • O: 800.699.5905
  • L: 405.842.2337
  • F: 405.842.0051
 
© Copyright. All rights reserved.
Powered by Insurance Website Builder