The route you should take for health insurance depends on your individual circumstances and healthcare needs. Here are some options to consider:

1. Employer-sponsored health insurance: If you are employed, your employer may offer a health insurance plan. I usually recommend individuals to stay on their employer plan, unless their employer is willing to give them a stipend towards an outside plan that gives better coverage. For a family, it can be very expensive to add spouses and dependents to an employer plan, so sometimes it’s more cost-effective to put the spouse and dependents on their own plan tailored to their individual needs!
2. Public health insurance(OBAMACARE): Depending on your income and health history, you may be eligible for public health insurance programs such as Medicaid or Medicare. These programs can offer comprehensive coverage at a lower cost than private insurance if you qualify for government assistance. However, if you are a family and you make too much money to qualify for any government subsidies, and maybe only one person suffers from a medical problem, I would suggest putting that person on the public marketplace and looking at more cost-effective options for the rest of the family.
3. Private health insurance: Private health insurance can be purchased through the Health Insurance Marketplace or directly from an insurance company. This can be a good option for people who don’t qualify for public health insurance programs and want more control over their healthcare choices. they can be more cost-effective and give you access to pick and choose which doctors or providers you use, you’ll have coverage in all 50 states, and you won’t need a Referral to see a specialist
4. Healthcare sharing ministries(MEDISHARE): THIS IS NOT REAL HEALTH INSURANCE! Healthcare-sharing ministries are religious-based organizations that offer a healthcare-sharing model where members share the cost of medical expenses. These plans may not provide comprehensive coverage but can be a more affordable alternative to traditional health insurance. The risks of share plans are that you’re not guaranteed claim coverage, it will be up to a board of directors to divvy out and decide how each person’s claims are made.

   Ultimately, the best route for health insurance will depend on your unique circumstances and healthcare needs. It’s important to carefully consider your options and compare the costs and benefits of each plan before making a decision. Consulting with a licensed insurance agent or broker can also be helpful in finding the right plan for you, and I’m here to help you every step of the way!