Health Insurance For Healthy 61 Year Olds
If you're 61 and looking to purchase health insurance, there are several options available to you. These include Original Medicare (Parts A and B), Medicare Advantage, Medigap, and short-term health policies. Having adequate coverage in case of a medical emergency gives peace of mind.
Medicare Part A and Part B
Commonly known as traditional health insurance plans, these plans are offered directly by the government at an affordable price point. They offer comprehensive coverage including hospital care and medical services; however, you may have some out-of-pocket expenses such as deductibles or copayments depending on which plan you select.
You can also use the health insurance marketplace to purchase a policy. These plans are intended to fill any coverage gaps after losing your previous policy or needing a temporary policy. Premium tax credits may reduce monthly premiums by as much as 50%.
Medigap A Medicare Supplement plan
is an add-on to Original Medicare that helps cover your out-of-pocket health care expenses. These plans have proven successful in controlling medical care expenses as people age, helping keep health insurance premiums low while keeping you healthy and active.
health insurance marketplace
You can also use the health insurance marketplace to purchase a policy. These plans are intended to fill any coverage gaps after losing your previous policy or needing a temporary policy. Premium tax credits may reduce monthly premiums by as much as 50%.
