Most Americans get health insurance through their jobs as group insurance…

There are also those who are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.

Health Insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which plan is the best for you and your budget.

Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by your agent.

Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance you can buy an individual policy, however, you should utilize your agent to compare your options and shop carefully for the best coverage.