But convenience may also mean that you can schedule doctor's appointments during the evenings or on weekends, or can get your prescriptions easily filled. Cost Health insurance plans require different types of cost-sharing. Coinsurance - The percentage of a medical bill you are expected to pay after the health insurer pays its percentage of the bill. Deductible - The amount you are required to pay for covered medical services each year before the health insurer begins paying. Lifetime maximum - The total dollar amount your health insurer will cover during your lifetime.
Some employers offer health benefits to their employees without buying private health insurance.
Although many self-funded plans provide excellent health coverage, they are not required to offer the same benefits as private insurance plans because they are not regulated by state insurance laws. Many health insurance companies offer individual health coverage to people who are either self-employed or work for a business that does not offer health insurance. These individual plans vary in benefits and costs, so compare different health carriers to see which plan best suits your specific health needs and budget. Plans Washington state and the federal government offer various types of health coverage for people who are self-employed, unemployed or work for a company that does not provide health insurance. In addition to health insurance premiums, most employers and employees also pay monthly premiums for workers' compensation.