FAMILY INSURANCE
Protect your Family
Family Health Insurance in Arizona
Family health insurance policies cover you, your spouse and/or your dependents on a single policy. You may need to find a family health insurance plan if you don’t want to select the health insurance coverage your employer offers for families. Or, your employer may not offer family healthcare plans at all.
If you’re
self-employed and need health insurance for your family, or you run a small business, you may need to purchase your own family health insurance policy, as well. AZ Health Insurance Brokers can help you find the right family health insurance coverage plan for your family.
Best Family Health Insurance Plans in Arizona
AZ Health Insurance Brokers specializes in finding the best family health insurance plans for our clients’ unique needs. We can help you find local health insurance coverage for wherever you live.
Our company works with family health insurance providers throughout Arizona. Whether you live in Phoenix, Scottsdale, Flagstaff, Tucson, Peoria, Tempe, Kingman, Mesa, Chandler, Glendale or any other Arizona city or town, we can help.
Because we work with dozens of family health insurance providers in Arizona, we can assist you in finding the family health insurance plan that best fits your family’s individual needs.
How to Choose the Best Family Health Insurance in AZ
When you’re caring for a family, it’s important to ensure that each family member’s individual health needs are met under your family health insurance plan. Finding the right family health insurance plan can be challenging, especially when you must work to cover the individual needs of every family member.
For example, the medial needs of your children are likely different than the medical needs of your partner or spouse. In addition, each of your children may have different insurance plan needs based on their individual health.
To obtain the right health insurance for a family, consider the following options for ways to get family health insurance in Arizona.
Talk with a health insurance provider to learn about your options.
Ways to Get Family Health Insurance in AZ
You have different options to get health insurance for a family when you need it. These are some routes to consider.
01
COBRA Family
Health Insurance
COBRA stands for the Consolidated Omnibus Budget Reconciliation Act, which mandates that families going through certain life changes are eligible for health insurance coverage. These include job loss and unemployment, divorce, death and retirement. If you or your spouse experiences a qualifying life event, you may be eligible for COBRA health insurance for your family.
COBRA continuation coverage may last up to 36 months. It’s typically more expensive to use COBRA health insurance compared to private plan options. If you’re eligible for COBRA, it’s helpful to talk with an insurance broker who can compare costs of COBRA family health insurance versus a private family health insurance plan.
02
HealthCare.gov Marketplace Family Health Insurance
HealthCare.gov runs a federal health insurance Marketplace via the Affordable Care Act (ACA), which families can visit to shop for health insurance. A potential benefit of getting health insurance through the Marketplace is that, depending on your income, some families qualify for subsidized family health insurance. That means, you could get a discount if you qualify based on how much money your family makes.
Also, Marketplace plans are available no matter what pre-existing conditions an applicant has, or what their current health state is. A potential downside to Marketplace plans is that most options are health maintenance organization (HMO) plans, which limits the providers you may be able to see under one of these plans. But for Arizona families with low income, the savings subsidized plans can provide may be worth it.
03
Private Family Health Insurance
Private Family health insurance involves working with an
Arizona family health insurance broker who can present you with different options based on your budget and needs. AZ Health Insurance Brokers works with local top-rated insurance companies to find you the right family health insurance plan to meet each of your family members’ needs.
Using our expert free health insurance services to find the right family health insurance policy will save you time and money. Plus, you have direct access to talk with a family health insurance expert, who can answer any and all of your questions promptly when you need them to.
Because we work with so many different insurance companies, we can help find you a customized insurance plan with one of the best-reviewed insurance companies in Arizona. We’ll take the time to assess your family’s medical needs and work to find a family health insurance plan that gives you the coverage you want, at a price you can afford.
In addition, we’ll help you discover a plan that allows you to see the doctors you choose and the clinics and hospitals you prefer.
Family Health Insurance Add-Ons
Another consideration when you’re shopping for family health insurance plans is potential add-ons to a plan that can further help protect the health and needs of your family. The following are some additions to consider.
Dental Insurance
Dental health is linked to overall health, and poor dental health could contribute to chronic diseases, including diabetes and heart disease. Dental insurance typically covers annual cleanings and checkups and can contribute to improved overall health for your family.
The costs of not having dental insurance can quickly add up, as many procedures can cost $1,000+ without insurance. Dental insurance can save families hundreds of dollars in preventive cleanings alone, as well as provide essential insurance coverage for issues like fillings.
Life Insurance
Life insurance is an insurance policy that pays out benefits should a covered individual pass away. It helps ensure a family can continue to live the lifestyle they were used to while that person was living. Life insurance can help with estate planning and provides families with peace of mind that no matter what happens, families will be taken care of through the policy.
There are different types of life insurance that offer flexible options based on your family’s needs. These include whole life insurance, term life insurance and universal life insurance. Our life insurance brokers are experts in all these types and can explain what each option means and what may work best for your family.
Disability Insurance
Disability insurance is insurance that provides financial coverage in case the covered individual experiences a disability that prevents the worker from performing their work duties.
Disability insurance can cover work-related issues that prevent work due to sickness, physical disabilities and/or mental disabilities. For families that want peace of mind their income will stay protected, this can be a valuable addition to typical family health insurance.
Accident Insurance
Similar to disability insurance, accident insurance provides coverage for an individual (and their spouse and dependents) in case they experience an injury or death due to an accident.
Like disability insurance, accident insurance can provide families with peace of mind that any work-related accidents won’t debilitate a family’s income. As accidents are difficult to predict and plan for, accident insurance offers helpful protection.
Critical Illness Insurance
Critical illness insurance offers families protection in case the insured experiences a critical illness. Critical illness insurance policies typically pay out a lump sum payment, which families can use however they’d like, whether it’s toward medical bills or to supplement lost income.
Some of the critical illnesses this type of insurance may cover include:
-Cancer
-Heart attack
-Coronary bypass surgery
-Stroke
-Kidney failure
-Heart transplant
-Organ transplant
-Parkinson’s Multiple sclerosis
-Lou Gehrig’s disease
Like accidents, critical illnesses are difficult to plan for but can be debilitating when they occur. This insurance add-on helps offer families additional protection.
Pre-Taxed Savings for Families:
Health Insurance Alternatives
Some employers may offer workers health insurance alternatives that provide financial coverage for routine healthcare and health emergencies. These health insurance alternatives include health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs).
At AZ Health Insurance Brokers, we can help families navigate how to use these options, as well as learn about private healthcare coverage that could supplement or replace these when needed.
Health Reimbursement Arrangement (HRA)
There are several types of health reimbursement arrangements (HRAs), including:
~ Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)
~Individual Coverage Health Reimbursement Arrangement (ICHRA).
HRAs are offered by small business owners and provide tax-free healthcare reimbursement to employees.
HRAs are typically offered alternatively to traditional group health insurance. HRAs can cover medical expenses like health insurance premiums, prescriptions, deductibles and copays.
Flexible Spending Account (FSA)
A flexible spending account (FSA) is an account that accountholders can add money to for paying out-of-pocket healthcare costs. FSA funds can be used to pay for copayments, deductibles, coinsurance and some prescriptions.
Like HSA funds, you won’t have to pay taxes on FSA contributions. Employers can make contributions to an FSA, as well.
Unlike HSA funds, FSA money doesn’t roll over unlimited each year, and FSAs can’t be used with Marketplace plans. To learn more, talk with a health insurance broker expert.
Health Savings Account (HSA)
A health savings account (HSA) is designed to pair with high deductible health plans (HDHPs). HSA participants, both employers and the covered employees, can contribute money to their accounts and use those contributions for medical costs tax-free.
HSA balances roll over each year, so the contributions always stay in the HSA until they’re used. Employees aren’t eligible for HSA plans if they have other health insurance coverage, or if they’re a dependent or listed on someone else’s tax returns. While HSAs can offer flexibility, they may not offer adequate healthcare coverage, depending on what your family needs.
Family Health Insurance for Self-Employed Individuals
Self-employed individuals with families may still need health insurance coverage. As the number of self-employed individuals continues to increase each year, you and/or your spouse may find yourself in this situation someday.
Self-employed workers have lots of options for affordable, comprehensive healthcare. A private healthcare plan can be customized to provide the exact level of coverage you need, at a cost that works for you, with coverage for your preferred healthcare providers. Talk with a health insurance broker for a free family self-employed health insurance consultation.
Learn More About Family Medical Coverage
It’s in your power to take control of your family’s health insurance plan. Talk with a health insurance expert to find a customized local health insurance policy that ensures your family’s medical needs are met.
Let the experts at AZ Health Insurance Brokers help you find the right family health insurance policy for the people you love the most.
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02
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FAMILY INSURANCE FAQS
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