How to get your own health insurance from 2018
Insurance companies are ramping up their efforts to help those in need of coverage this year as the country gears up for the start of the federal open-enrollment period.
On Tuesday, Anthem Inc., UnitedHealth Group Inc. and UnitedHealthcare Inc. announced that they would offer health plans through their new insurance exchanges.
The three companies say they will offer plans to people who qualify for subsidies to offset their costs if they buy coverage through the exchanges, a step that will be especially important in states that are struggling with high insurance costs.
In addition to offering plans through the new insurance markets, the companies are expanding the amount of time consumers can enroll in health coverage through their individual health insurance plans.
For those who don’t qualify for an individual market plan, the insurers will offer coverage through a family or individual market, respectively.
Anthem and United have the most coverage, offering coverage to 2.7 million people, or about a third of the total enrollees, according to data from the Department of Health and Human Services.
The other three insurers offer coverage to about a fifth of the people who signed up for individual market plans through HealthCare.gov.
Hagerty, the largest insurer in the industry, said it has about 600,000 enrollees on its individual health plans.
The company said it will offer a “competition-lite” plan, or a plan with no co-payments and no deductibles, to people enrolled through its online marketplace.
Hubergerty is also expanding coverage options, including a plan that will offer policies in addition to its existing coverage, and plans that are available on its website and through mail order.
UnitedHealth announced plans for people who want to get health coverage outside of the individual market and will also offer plans for customers who want coverage through an existing plan, but do not qualify for a subsidy under the law.
The company is rolling out a new program that will help those who qualify to shop for coverage online through the federal marketplace.
United said it was expanding coverage beyond its existing plans, which include coverage for dental care and vision, to include those who are enrolled in a Medicare Advantage program that is similar to the program it offers through HealthNet.
Antibiotic costs have soared in recent years, as the U.S. struggles with a soaring number of cases of antibiotic-resistant bacteria, and some experts say the cost of treating those infections is not being taken into account.
Hagan said that people will need to shop through the marketplace to find the best health insurance for them, and it will help if they choose a plan they like.
“We think it will give people confidence to look at the quality of coverage available to them and see how much they can afford,” Hagan said.
Antimicrobial resistance has also become a growing concern as the United States faces an increase in antibiotic- resistant infections.
Experts say the number of infections that have killed at least 14 people in the U-S has soared in the past few years.
“This is an opportunity for us to be more transparent,” said David McBride, chief medical officer at Hagan, adding that the company will have to make decisions about how much to spend on drugs and other medical care in the months ahead.
Anticipating the spike in infections, Anthem said it is expanding the use of the drug clindamycin, which is used to treat pneumonia, strep throat and other infections.
Hagg said it also is expanding its use of two other antibiotics: doxycycline and clindamidin.
Antiparasite drugs are used to help treat other types of infections, including some of the most common infections, such as pneumonia.
Antiphospholipid inhibitors are used for certain types of blood clots and to treat heart disease.
The new insurers said they will also be offering policies to people with pre-existing conditions, as well as people who are pregnant or nursing.
Antonio Garcia, a vice president at the company, said that the new insurers will help make sure that people with health insurance are protected, including people with preexisting conditions.
“The fact that we have these new insurers, with these new plans, will allow us to have more flexibility and help people find a plan which is affordable and offers a good value,” Garcia said.
“We will be able to do this in an efficient and responsible way.”
Hagan will offer individual policies for those with incomes below 400 percent of the poverty line.
The plans are available through its website, and the company said the individual plans will cover people who earn between $50,000 and $100,000 a year.
United will offer its own health plans and plans for those earning up to $150,000.
Anthem will offer more than 500 plans through its marketplace.
Antepartent Health, a new company that will operate the individual and family plans, has about 7,500 enrollees and offers plans to about