Myth 1 – You can only get a health insurance policy during open enrollment which is Nov 1st – December 15th.
Many people don’t realize that there are numerous options outside of the Affordable Care Act (a.k.a. Obama Care) that they can enroll in 365 days a year. That means that if you are between jobs, getting a divorce, leaving a corporate job to start your own business or have just moved into a new state, you can have health insurance effective immediately.
From short term plans to a permanent plan with a rate lock on your monthly premium, there are many options available that will fit your needs and budget.
Are you concerned about what these options will cost? Most of these options are a fraction of the cost of an unsubsidized Affordable Care Act/Obama Care plan.
To receive your best return on your premium dollar spent, one should speak with a health insurance broker that specializes in Individual health insurance.
A recent study showed that 9% of US adults owe a medical debt of $250 or more. That’s 23 million people! New rules about reporting medical debt are going into effect. 
Healthcare costs vary based on a number of factors. Median out-of-pocket spending on health care ranged from $360 per year in Hawaii to $1,500 per year in Nebraska, according to a 2019 report from The Commonwealth Fund. While some costs are set, such as the premium price for your health plan, others can be planned or negotiated if you know the right questions to ask. 
Uninsured or underinsured people are charged more for their healthcare and typically pay more out of pocket. That’s because they don’t benefit from the reduced rates negotiated by private health insurance companies and public insurers such as Medicare and Medicaid. Additionally, most uninsured people do not receive discounted or free health services. Kaiser Family Foundation (KFF) found that in 2015, only 27% of uninsured adults reported receiving free or reduced-cost care. 
Allergy shots can be expensive at first because there is often a long-term course of treatment. But, they may reap financial benefits if you find relief later and don’t have the continuing costs of managing your symptoms. Your treatment may require more than one vial, which means you will have more than one injection at each appointment. Build-up injections are usually required on a regular basis for 6 months or longer. You also may need a maintenance dose less often, but those can last for 3 to 5 years. Many insurance plans will cover allergy shots, but you may still have out-of-pocket costs. 
