Health
Health Insurance Options
Health insurance is one of the most important decisions you can make for yourself and your family. Whether you’re looking for individual coverage, protection for the whole family, or support through a government program, there are many paths to getting the care you need. At Verdisure, we’re here to simplify the process and help you find a plan that fits your lifestyle and your budget.
Where Can You Get Coverage?
Health insurance can be obtained in several ways, including:
Through an employer – Many people receive benefits from their job or a spouse/partner’s workplace plan.
Under a parent’s plan – If you’re under 26, you may remain covered by your parents’ insurance.
Direct purchase – Buying a policy directly from a private insurer or through the Health Insurance Marketplace.
Government programs – Options such as Medicare, Medicaid, CHIP (Children’s Health Insurance Program), TRICARE for military members, or state-level health programs.
Temporary coverage – COBRA allows you to extend your employer’s coverage for a limited time after leaving a job.
Types of Health Insurance Plans
When you’re shopping for insurance, you’ll come across several plan types. The main four include:
HMO (Health Maintenance Organization): Lower costs with a required provider network.
PPO (Preferred Provider Organization): Flexibility to see more providers, often at a higher cost.
POS (Point-of-Service): A hybrid option with referrals required for specialists.
EPO (Exclusive Provider Organization): Only covers care from providers within the plan’s network.
Each plan has its own advantages, so the right choice depends on your priorities — flexibility, affordability, or comprehensive coverage.
Premiums and Costs
Health insurance requires paying a premium, but how you pay can vary:
Monthly premium: The most common option; may be higher, but can lower your out-of-pocket costs.
Annual premium: A lump-sum payment once per year.
Fixed premium: Same cost each month, regardless of how much care you use.
It’s important to balance the premium with deductibles, copayments, and coinsurance when comparing plans.
Individual and Family Coverage
If you don’t have insurance through an employer or government program, individual and family plans are available. These plans let you choose the level of coverage that works best for you or your household.
Since the passage of the Affordable Care Act (ACA), the individual market has expanded significantly. Key updates include:
The individual mandate, which encouraged most people to carry health insurance.
The expansion of Medicaid in many states, making coverage accessible to more low-income individuals.
Even with changes over the years, individual and family health plans remain a reliable option — especially when tailored to your needs.
Government Health Programs
Several government programs are available to help people access affordable coverage:
Medicare – For those 65+ and certain younger individuals with disabilities.
Medicaid – A state and federal program for those with limited income or resources.
CHIP – Designed for children in families who earn too much to qualify for Medicaid but still need affordable care.
TRICARE / Veterans Health Administration – For active-duty service members, veterans, and their families.
COBRA – Temporary continuation of employer coverage after leaving a job.
👉 Choosing health insurance can feel overwhelming — but with Verdisure, you don’t have to do it alone. We’ll walk you through your options, compare the best plans, and make sure you’re covered with confidence.
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4 Step Process!
Step 1. Connection
The first step is easy — just reach out! Whether you call us directly, request a quote online, or simply give us permission to contact you, we’re ready to connect. Our team is here to listen, learn about your needs, and begin tailoring the right insurance solution for you. No pressure, just a friendly conversation to get started.
Step 2. Education, Explanation and a Quote
The first step is easy — just reach out! Whether you call us directly, request a quote online, or simply give us permission to contact you, we’re ready to connect. Our team is here to listen, learn about your needs, and begin tailoring the right insurance solution for you. No pressure, just a friendly conversation to get started.
Step 3. Enrollment
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Step 4. Your Support
The first step is easy — just reach out! Whether you call us directly, request a quote online, or simply give us permission to contact you, we’re ready to connect. Our team is here to listen, learn about your needs, and begin tailoring the right insurance solution for you. No pressure, just a friendly conversation to get started.