A brief explanation follows. If you do not have the option of obtaining health insurance through an employer, it may be necessary that you purchase individual health insurance for you and your family. Gulf Brokerage Services, Inc. has several options from which you can choose. Click here for more information on Individual Health Insurance. There are usually no deductibles.
Most plans have maternity benefits and prescription benefits.
With an HMO, you must select a primary care physician who would refer you to any network specialist. With an HMO if you go to a physician or hospital that is not in the network, you must pay the entire claim. Options include maternity and prescription plans. You can be eligible with as little as 9 hours, and you can be up to age 39 to be eligible for the plan. You would have the ability to invest the savings generated by the higher deductibles into an account that grows tax deferred and can be used to pay claims on a tax free basis.