When Do You Need Health Insurance?

Most people depend on the health insurance coverage from their employers. But what you might not know is, it only provides for the minimal protection you need for your everyday life. In some cases, people are caught unaware when their current policy won’t cover for them when tragedy struck outside of work.
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You need enough protection to sustain you for all of your needs. It is important to know when you need to purchase your own private health insurance. 

Who Purchases Health Insurance
Some of the following are in some cases, are required to get a private health insurance.

1. Employer
   As an employer, you are required by the law to provide health insurance for you and your employees. 
   
   
2. Self-Employed
   If you are self-employed and isn’t covered by health insurance of your partner or spouse, you need to purchase it for yourself.
   
   
3. Part-Time Employee
   Most part-time employees do not get health benefits from their employers. You should ask about it and buy your own health insurance immediately.
   
   
4. Unemployed
   If you have recently lost your job due to downsizing or resignation you are eligible to continue your employer’s health insurance plan. You have to pay for its entire cost until the coverage runs out. 
   
   When this happens, and you are still unemployed you will need to purchase your own health insurance. If you are fired by your employer, you can only find and purchase your own health insurance.
   
   
5. Recent College Graduate
   While still in college, students are covered by the university’s and their parent’s insurance. But once you graduate, you lose both coverage because of your age and graduate status.
   You are now required to purchase coverage until you are signed to an employer.
   
   
6. Retired
   Since leaving your work, you are no longer eligible for employer’s health insurance. You might have to purchase your own depending on your health condition and age.
   
   
7. Canceled Health Insurance
   If you were dropped by your insurance company because of your medical condition. You should contact an agent to help you find a policy which can cover for your needs.

Having your own health insurance policy can help you get the protection you need from life’s unpredictable events. If you are having difficulties deciding on which policy to purchase, don’t feel intimidated. Insurance companies provide agents who can help you choose the right policy plan for you.
Invest for your health and future. Obtain Health Insurance from the best source. At Roper Insurance Services, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (828) 697-6709. Get your free quote today by CLICKING HERE.