It’s annual Open Enrollment time, the period every Fall when you revisit your current healthcare plan to make sure it’s providing you with the comprehensive healthcare benefits you need at a price you can afford – both monthly, and throughout the year when you need medical attention or prescriptions.
This year, healthcare Open Enrollment falls between October and mid December, 2020. If you miss that time to make any changes to your existing policy or switch plans, you’ll have to wait until next year’s Open Enrollment period to re-evaluate.
But is Open Enrollment your only option for selecting health care coverage?
Rather than go through the hassle of scrambling to revamp your insurance plan before the deadline every year, there are a handful of reasons why you may want to forgo Open Enrollment altogether and opt for a more flexible and affordable healthcare alternative, like a healthcare program from a health sharing ministry.
1. Today’s Economic Climate May Warrant a More Affordable Plan
COVID-19 has had a dire impact on the economy, leaving millions of Americans without work and many businesses shuttered. In turn, Americans are seeing less money in their pockets and are faced with making tougher decisions on where and how to spend it.
Paying the high cost of many healthcare insurance premiums is a big burden. The cost of insurance ranges quite a bit between individuals and households, as well as the exact type of plan involved. Premiums and deductibles can quickly add up, and if you’re concerned about the economic environment as a result of the ongoing health crisis, you may want to look for something that offers competitive healthcare benefits that could be more affordable.
Health sharing ministries can be a more cost-effective option for those who seek to reduce their expenses. In fact, members of healthcare sharing ministries can save as much as 50% or more on healthcare compared to the average health insurance plan.
2. You May Want More Flexibility With Your Medical Professionals
It would be nice to be able to make an appointment with nearly any physician or specialist to receive a specific type of medical care or treatment. But not all providers accept all kinds of healthcare insurance. In this case, you may be left having to pay out-of-pocket for services rendered by an out-of-network doctor or have to limit yourself to the professionals who are in-network (typically a local or regional network).
Instead, you can open up the doors of opportunity with more flexibility to see the provider you choose when you are a member of a health sharing ministry. Rather than having to stick to the narrow choices that come with some insurance plans, a health sharing ministry allows you to choose from an extensive, nationwide network of providers.
3. You’re Ready to Try Something Different
Health share programs are unique alternatives to traditional health insurance, and they’re becoming increasingly popular among Americans who are looking for something different. More than 2 million Americans are now members of a healthcare sharing ministry, and the number continues to rise as an increasing number of people look for a more flexible and cost-effective alternatives to traditional health insurance.
Not only can members save money and have more freedom when it comes to the types of physicians and specialists they see, but they also have the opportunity to be a part of a community of like-minded people who share similar beliefs – and share in the cost of each other’s care.
Open Enrollment is in full swing, but it will be over within a few short weeks. Before you go on autopilot and continue with your existing plan, consider an alternative to healthcare with a UHSM healthcare sharing program that offers comprehensive medical and pharmacy benefits at a budget that fits your lifestyle and needs. Join the millions who are saving today!