Step 1: Find your marketplace
The first step in choosing the proper health insurance is determining where you are going to get your insurance. You can use your employer, a government run exchange, or a different marketplace.
A majority of individuals get their health insurance through their employer, since that is usually the least expensive option because their employer pays a portion of the premium.
Even if your employer offers health insurance, you can still choose a plan that is not offered by your employer. Many people look on state government health insurance exchanges. In addition to typically offering a large selection of plans, purchase on these exchanges may come with premium subsidies if you are eligible.
You can also choose to look for a health insurance plan on private exchanges or directly with insurers. Subsidies that you may be eligible for because of your income will not be available if you choose to use a private exchange or a direct insurer to locate a health insurance plan.