How People Buy Insurance Now
The recent pandemic created uncertainty, prompting many people to prioritize their health and finances and take stronger steps to protect themselves. The economic uncertainty and digital tools—are reshaping how people buy insurance now.
Consumers struggle to find affordable healthcare as marketplace plans often include high premiums and even higher deductibles. Although subsidies help, most middle-class Americans don’t qualify, and their deductibles still remain too high for comfort.
As a result, many consumers explore alternative plans that lower monthly premiums and reduce or eliminate deductibles for everyday healthcare needs. These plans usually offer guaranteed acceptance, few pre-existing exclusions, low copays for doctor visits, lab tests, and prescriptions.
Additionally, most include $0 copay telemedicine services, providing convenient and affordable access to basic care. To boost protection, consumers often add catastrophic hospitalization coverage with a low monthly premium and deductible that only applies to major events.
Now you may be asking yourself where to go from here? Enrollment First works with thousands of experienced, licensed agents. Join the team, or let one of our agents assist you in finding the coverage to fit you best.
If you’re an agent exploring alternative plan options for clients, contact our Broker Support team at 866-951-8404 or [email protected].
Additionally, if you’re a working individual seeking non-traditional insurance options, call our Member Services team at 866-816-6786 to learn more.