I'm Healthy, Which Plan is Best for Me?

Published: November 17, 2021

It’s open enrollment time (Nov. 1, 2021 – January 31, 2022). If you do not get a health plan through an employer, now’s the time to shop and enroll. But how to choose the best plan, especially when you are healthy and don’t see a doctor very often?

Having a health plan is still important as a safety net against life’s unexpected situations. Maybe you’re a “weekend warrior” and for example, break your ankle skiing. Without coverage, your medical bill could be in the thousands of dollars! In addition, it is also required in California to have health insurance. Without it you may be subject to a financial penalty a tax time.

But with a health plan, you pay a fraction of the cost for most medical care, depending on your type of plan. 

Key Considerations:

  • If you are looking to keep monthly costs low and don’t mind paying for services up-front, a plan with a higher deductible such as a Bronze plan may be a good choice. These plans usually have the lowest monthly premium. 
  • When you are shopping for a plan on a tight budget, check to see if you qualify for financial assistance, also known as a subsidy. With over one million California residents who qualify, it’s always good to see if you do too.
  • First, go online to browse available plans at choosewha.com or call WHA at 916.563.2250 to see if you qualify for financial assistance and what WHA plans are available to you through coveredca.com.

During open enrollment time, WHA’s individual sales team is available Monday- Friday, 8 a.m. to 5 p.m. And if Spanish is your language of preference, make that selection when you call at 916.563.2250 or 888.563.2250 toll-free so we can support you in making the right decision for you and your family.

So, celebrate that you are healthy and staying that way! Check on the coverage, costs, and benefits you want, and don’t pass up the opportunity for getting help paying your plan with a subsidy.  We’re here to help, so call us if you have questions and want added help for choosing a 2022 plan.

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