Health insurance for yourself and/or your family can actually be more affordable than you think. But not every plan costs the same — that's why it's best to compare benefits and rates to find the plan that's right for your budget.
Individual vs. Family Coverage
For complete family health insurance, you have a few basic coverage options.

1. Individual plans for every family member. This is the best family health insurance option for families whose members have different health needs. If a member has a chronic illness such as diabetes or asthma, individual plans could be the most cost-effective way to go. Because insurance companies set rates according to health, a pre-existing condition could drive premiums up for everyone. But with individual plans, family members who don't need frequent medical care are on separate plans — and can keep low rates.
2. Cover everyone with your individual plan. Some insurance companies will allow you to add family members under your individual coverage. If your family needs coverage for routine and emergency care, this is a good option to consider. Covering everyone with one individual family health insurance plan is usually most affordable if everyone has similar health needs.

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Health Insurance

With the rising costs of health care, some people are finding it difficult to find affordable coverage. Whether your employer does not offer health coverage, or you are self-employed, you may find yourself in a position where you need to seek your own state health insurance policy. The good thing is that there are plenty of plans available. But finding an affordable health insurance plan that works for your budget can be a different story.

To find you the best coverage, at the best rates, ShopHealthMN will compare plans and costs to find you the best policy for you and your family's needs. There are ways to find affordable health insurance plans. It's just takes a little smart shopping.

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Long-term Care Insurance

Long-term care insurance pays for treatment in a nursing home, assisted living facility or for a home health nurse when an individual becomes too ill to take care of themselves. It allows people to plan for their long-term needs and with daily nursing home costs increasing, having this insurance could save your assets and inheritances for loved ones.

Long Term Care coverage can help you: Protect your savings and retirement assets, help offset the high cost of long term care, ease the responsibility on your loved ones, and you can also enjoy special tax benefits with qualified plans.

Click here to see how affordable long-term care insurance can be for you!

Short-term Health Insurance

During life transitions, you can’t afford to go without insurance.  Unexpected illnesses and accidents happen every day and the resulting medical bills can be disastrous. Let a ShopHealthMN plan provide you and your loved ones with the peace of mind you need at a price you can afford.  30, 60, and 90 day plans available.

Click here to apply today and be covered as early as tomorrow!

Medicare supplemental Insurance

Medicare and private insurance companies have teamed up to help reduce the out-of-pocket medical expenses that plague many seniors. This coverage is called Medicare Supplement Insurance.

There are four parts to Medicare.

Part A = Hospital Insurance (Inpatient Hospital Care & Hospice)

Part B = Medical Insurance (Dr. Visits & Preventative Care)

Part C = Medicare Advantage (Private Insurance Company Coverage, approved by Medicare)

Part D = Prescription Drug Coverage

Medicare Supplement Insurance helps you pay medical expenses that are not covered by Medicare. There are several different supplement plans and each serves a different purpose. Medicare Supplement Insurance helps you pay more of your medical bills, so that you will have little to no out-of-pocket costs to pay to doctors, hospitals, or pharmacies.

Many private insurance companies are Medicare Supplement Insurance providers. To use these plans, you simply give your doctor, hospital, or pharmacy your Medicare card and your Medicare Supplement Insurance card(s). They will first bill Medicaid to see what will be covered. Anything that is left will be sent to your Medicare Supplement Insurance Providers. These policies together will usually pay all or most of your medical expenses, so that you don’t hav to worry about hefty bills and other out-of-pocket expenses besides your premiums. Some Medicare Supplement Insurance Providers have even made this easier by allowing the doctor or hospital to bill them directly, paying the full amount, and then sending Medicare a bill for their portion of the expenses, which Medicare then pays.

Health Savings Accounts

A Health Savings Account (HSA) is an alternative to comprehensive health insurance; it is a savings vehicle that allows people a different way to pay for their health care. The HSA enables you to contribute funds on a pre-tax or tax-deductible basis, which you may use to pay for eligible medical expenses.

Use your HSA in conjunction with traditional health insurance policies that are qualified as High Deductible Health Plans (HDHP), or plans with a minimum deductible of $1100 for individuals and $2200 for families.

With an HSA, you are in control! You own and you control the money in your HSA. You decide how to spend the money without a health insurance company telling you what to do. You also decide what types of investments to make with the money in the account in order to make it grow.

Click Here to learn more about HSA's.

Traveler's Insurance

Medical insurance and travel protection for international travelers. By providing global products and services to vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence, we are the single resource for all your international travel needs.