Step 1.  Check with your employer.

This is the first logical step.  It makes no difference whether or not your employer offers health insurance to their employees.  Even if they don't offer health insurance, employers almost always have a tons of information on the subject. Talk to your boss about it.  Find out what he or she knows.  You'll probably be surprised.

Your health insurance search may be over if your work provides health insurance coverage and you qualify.  Be certain to learn everything you can about the employee benefits package.  Don't just blindly sign up with a group health plan.  Make sure the plan is associated with the right physician network, and features the kind of benefits that will make it a good fit for you and your family's needs.

There may be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in Massachusetts.  No matter what you do, don't make the mistake of going without health insurance coverage.  It's not worth the risk.


Step 2.  Visit Healthcare.gov.

Visit Healthcare.gov to discover what health insurance plans are available in the Chicopee, MA region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Speak with a health insurance coverage specialist.

Speaking with a true health insurance specialist will be the best way to sum up all the information you acquired, and turn it into a smart health plan choice.  When it comes to choosing the right health care plan, knowledge and expertise are an irreplaceable necessity.  A good insurance agent can help you with all aspects of the health insurance plan purchasing process.  Because their expert assistance is normally free, getting assistance from a licensed insurance professional is a smart, sensible step in any insurance purchasing decision.

Choosing a health insurance plan is not something to take "lightly".

When looking for a quality Massachusetts health insurance plan, there are multiple issues to consider.  Also, there are plenty of important health plan particulars that are easy to overlook.  Many Americans end up not liking their health insurance plan once they actually have to utilize it.  More often than not, this dissatisfaction is caused by the customer selecting a plan without fully comprehending its benefits.  To avoid being trapped in a health plan that does not adequately serve your needs, it is critical to fully understand how the plan works - before you purchase it.



Finding affordable health insurance is no easy task.

There are several reasons why the process of finding an affordable health insurance plan can be difficult.  To begin with, U.S. health insurance is changing.  The Affordable Care Act program is expanding.  More Americans are now eligible for subsidies.  In addition, many Americans that previously were covered by Medicaid, are now eligible for coverage via the Affordable Care Act.  All of these changes have led to a flood of new online information.  Unfortunately, a great deal of the information out there is incorrect.  It is difficult for the average consumer to know what is what.

In addition, the best way to acquire a good understanding of the health plan options that are available to you is to have access to a personable, capable, health insurance broker.  An insurance broker that is willing to take the time necessary to understand your needs and make health plan recommendations based exclusively on your needs, is crucial when it comes to finding a quality plan that fits.  These days in Massachusetts, such an agent is not as easy to find as it used to be.


ACA health insurance is more affordable.

In Massachusetts, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger, and more Americans qualify.



We can help.

We understand how choosing the right plan for the needs of you and your family can be confusing.  Plan benefits, physician networks, deductibles, Rx coverage, price, and more, are all aspects of a health insurance plan that should be well considered.

Our licensed insurance professionals are happy to help you sort through all of the particulars in order to find a high-quality health insurance plan that fits your needs and budget.  Our services are free.  Call now.    (413) 537-4613