With all the recent health insurance reforms, you may be wondering if any of them have affected your coverage. While most people think that the health insurance reforms only affect people who do not get health insurance through their job, that is not always true.
If you receive your health insurance through the large corporation that you work for, you probably have not seen very many changes with your policy. If you have experienced an increased focus on wellness incentives and higher deductibles, you are likely to see those for the next few years. If you are not a full time employee at a large corporation, you may see even more benefits, since employees who work at least 30 hours a week are now considered full time and can qualify for health insurance.
If you work for a smaller employer that has less than 50 employees, you may be offered health insurance through your job, but it is not required. While small business owners have the opportunity to sign up for health care for their employees at low prices, they do not have to do so. Your employer also has the option to give you money to shop for your own policy, which will give you more choices.
If you are self-employed, you can choose to keep your current policy, as long as it is still offered by your insurer, or you can invest in a new policy through a state exchange. No matter which option you choose, it is worth your time to shop around and compare policies to see which one will provide enough coverage at the right price.