Finding the right health insurance for you and your family nowadays can be a headache.
Not knowing all your options or better yet having to deal with many different companies can be an aggravation.
Bottom line you DO have a choice.
So many employers don't give you much option.
It's either PPO or HMO with high co-pays or a short list of IN- network providers.
In short, you take what they got or you get nothing.
They don't care about your income or what your expenses are and a lot of times the rates are downright RIDICULOUS! Don't even mention adding a spouse or child(ren).
And if, you are self employed it can sometimes be downright tricky, with so many different companies to choose from whose better? For many years I remained with no medical health coverage.
The misconception that most people have is that it's cheaper to get health coverage directly through their employer, however that's not the case because employers don't tailor group plans to individuals needs.
In many cases people pay for coverage they don't use, especially when they have to ensure the entire family.
It is cost effective to go through an independent broker that can tailor your plan according to your families needs.
For example ( you only go to the doctor twice a year but your paying for unlimited doctors visit) That detail can save you hundreds a year on your health insurance.
In short nowadays you have to tap into all your options because if you don't you won't get what you need.