Now through December 15, 2017, people who do not have health insurance through their workplaces can shop for or change their coverage for 2018.
There are a number of options to choose from. They include:
- Traditional plans where you set the copay for services and prescriptions. With this type of plan, you typically pay more in monthly premiums, but less for care.
- High-deductible plans where you pay for all your care (except preventive, which is covered from the start) until your deductible is met. After that, costs are shared with BCBSND.
- Catastrophic coverage—a safety net for people under age 30.
So, how do you choose the plan that is right for you? It depends on how you use health care.
Here are three resources to help
1. Read our decision guide.
We’ve created a guide that takes you through the steps of selecting the right health insurance plan.
2. Use our “help me decide” tool.
You can also explore your options based on factors such as family size and household income. Once you have entered your personal information, click “help me decide.” The tool allows you to predict how much you might pay based on your health care use. You can choose between low, average or high use, or personalize your results based on the frequency and type of care you need.
The tool allows you to select plans and compare costs for:
- In-network and out-of-network deductibles
- Office visits for primary care and specialists
- Outpatient services, such as emergency and surgery centers
- Inpatient services for hospital care
- Mental and behavioral health
- Prescription drugs
3. Talk to an agent.
Of course, you are always welcome to discuss your options with an agent. Agents can meet with you in person or over the phone to help you choose the best option for your budget and lifestyle.
No matter which plan you choose, you can be confident you’re getting coverage from the state’s most stable, trusted health insurer.