2025 health insurance plan, how to buy health insurance, insurance company recommendations

• Maximum Benefit : Depending on the insurance, it may be calculated per visit, per policy year, or lifetime. This limits the maximum amount the insurance company can reimburse you. The higher the amount, the better, and no limit is best.
• Coverage (insurance coverage/reimbursement) : items that insurance will reimburse, reimbursement expenses, etc.
• Pre-Existing Conditions : Some health insurance plans will refuse to cover conditions that existed before you purchased the insurance (such as certain illnesses, pregnancy, etc.), but Obamacare will not deny coverage because of a pre-existing condition.
• Waiting Period : Some insurance plans require a certain period of time after purchasing the insurance before reimbursement for certain diseases and conditions. The waiting period usually ranges from 6 months to 1 year.
• Prescriptions/RX : Reimbursement for prescription drugs.

Where to buy medical insurance?

1. Employer Sponsored Health Plans 
2. Federally subsidized health insurance HealthCare.gov
3. Commercial medical insurance
4. Government medical assistance program Medicaid/CHIP ( white card )
5. Medicare ( Red and Blue Card )

First, if your employer provides medical insurance benefits, please consult HR on how to purchase health insurance. The insurance provided by the employer is group insurance, which is not subject to the general Open Enrollment Period time limit, and is usually more favorable than the individual insurance purchased outside. Most employer-provided insurance allows spouses and children to join.

If you meet the IRS’s definition of resident aliens when filing your taxes, you can register for federally subsidized health insurance on the U.S. government’s official health insurance website, HealthCare.gov , during the Open Enrollment Period. People with a family income between 100% and 400% of the federal poverty line (FPL) may be eligible for government medical subsidies.

All federal government-subsidized health insurance is sold through the ” Marketplace ” (also called the ” Exchange ” in some areas). Health insurance purchased outside the Marketplace is not eligible for subsidies.