Can You Cancel Your Health Insurance Policy?

Can You Cancel Your Health Insurance Policy? text overlaying image of a person ripping a contract in halfSo, you’ve decided it’s time to cut ties with your health insurance plan, but can you cancel your policy? The answer is both yes and no. You can cancel your health insurance, but if you do it at the wrong time or without a backup plan ready to go you could face fines or massive coverage gaps.

When To Cancel Your Health Plan

It’s best to cancel your health insurance policy once you have a replacement ready to take its place. If you don’t, you will have coverage gaps, leaving you vulnerable in the event of a health emergency. If you are looking to make the switch,Open Enrollment Period (OEP) is the best time to look into a different health insurance plan. The only time you can switch to a new health insurance plan outside of the OEP is if you qualify for a Special Enrollment Period (SEP). You qualify for an SEP if:


  • You just got married
  • Filed for divorce
  • Just had a baby
  • You or your spouse got a new job, losing your group health insurance coverage
  • You’re moving outside of your coverage area
  • Your current plan is no longer offering coverage in your area
  • Your current health insurance company is out of business

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The Right Way To Cancel Your Private Health Plan

It’s important to cancel your health insurance plan properly so that there is no confusion or loose ends. Below are the steps you can take to cancel your plan the right way.

Call your health insurance company

If you have health insurance through the Marketplace, you can login to your account and terminate the plan’s coverage. If you need help canceling your plan online, you call their customer service line. When you’re canceling a private health insurance plan, you can contact your insurance company directly. Your health insurance company’s phone number is printed right on your policy, health insurance card, and premium bills. Your health insurance provider may let you cancel over the phone. Occasionally, they may request that you fax or mail them additional documentation such as a confirmation letter.

Follow Your Plan’s Cancellation Process

Every health insurance provider has a cancellation procedure you must adhere to, such as ensuring your policy end dates are accurate to avoid a lapse in coverage. During your online or phone cancellation, an insurance agent will confirm the steps you have to take to successfully cancel your health insurance plan. Note the name of the representative and any cancellation confirmation numbers. This is important in the event that there are any procedure errors during the cancellation you’ll be able to quickly prove when the policy was ended.

Ask About Premium Refunds and Check Your Bank 

If you paid your plan in full for the year and want to cancel it before it expires, ask your health insurance company if it will reimburse you for the months you’ve already paid for but have not used yet. Many insurers will issue a refund for the remaining time on your policy. Check your bank statements after your new health insurance coverage begins to ensure that the canceled plan is no longer in effect and charging your account. You’ll also want to make sure that the new policy is active and has taken the first payment if you have one.

Check Your Active Health Coverage

Don’t cancel your old policy until you’ve gotten a new one and reviewed the coverage start date. Make sure the active coverage periods don’t overlap, as it’s illegal to submit claims to two separate major medical policies. You’ll also want to check your monthly health allowance if your employer reimburses you for your insurance premium or other out-of-pocket medical expenses through a health reimbursement arrangement (HRA) or health insurance stipend. This amount may affect your desired premium payment and the types of medical expenses you may get. Additionally, check the type of HRA your company offers. Integrated HRAs supplement employer-sponsored health insurance plans by helping to pay for deductibles, copayments, medical services, and other out-of-pocket costs, but cannot reimburse health insurance premiums.

Know Your Rights

Every state has consumer protection laws and insurance regulators who can help you with questions or complaints regarding your individual coverage. Your state laws may address health coverage requirements, prompt payment of claims, access to specific specialists, and certain treatment coverage. These protection laws apply to all plans, whether individual coverage or employer-provided health insurance, in order to safeguard your access to health services. If you submit false information on your health insurance application, your policy could be canceled. However, they cannot terminate your coverage if you made an honest error on your application. If you have unpaid premiums, your provider can terminate your coverage. In the majority of instances, your health insurance provider must give you at least 30 days notice before canceling your coverage due to missed monthly payments. This notice affords you the opportunity to appeal the decision or find a more cost-effective alternative.

How To Cancel Your Group Health Plan

You may need to cancel your employer-sponsored health insurance plan, even if you remain employed with the company. For example, your spouse or domestic partner’s employer may offer a more affordable plan option. Canceling an employer-sponsored plan is fairly easy if you follow these steps:


  • Contact HR – Your company’s human resources department will be able to answer your questions and will be your primary contact through the entire cancellation process
  • Ask about dates – Make sure you know the cancellation date, and make sure your new coverage will begin on or right after that date. You don’t want your plans to overlap. 
  • Complete the paperwork – If you’re opting out of your group plan early, there will likely be a bunch of paperwork that comes with it. Make sure you complete, sign, and submit these forms on time 

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Cancellation Penalties

In most instances, there is no fee for canceling a health insurance policy. However, some insurance providers do charge a cancellation fee. This would be specified in your plan’s terms and conditions, so you are aware of this policy before you buy it. While the federal government no longer imposes a tax penalty for not having health insurance, some states do. The District of Columbia, California, Massachusetts, New Jersey, and Rhode Island have penalties for not having health insurance. Each state has its own system of fees. Check your state’s regulations before you cancel your health insurance, as you may qualify for an exemption from the tax penalties.

When Can’t I Cancel My Health Plan?

There are very few circumstances where you’re not able to cancel a health plan early. Some employer group health plans are paid for out of your paycheck prior to taxes being taken out. These plans are called Section 125 plans. They can be an excellent way to save money on insurance and taxes. If you have one of these plans, however, you can only change or cancel it during the Open Enrollment Period, or if you have a qualifying life event. Your HR department will be able to let you know if that’s the case with your group plan.


Additionally, if you are under 30 and have a short-term or catastrophic insurance plan, you may not be able to cancel your coverage early. Many of these plans are bought for a specific period of time and can’t be canceled early. Make sure you understand the terms and conditions of these plans before enrolling.

Why You Need Health Insurance

So far we’ve talked about how to switch health insurance plans, but we haven’t mentioned people canceling health insurance with no plans to get another plan. We know that sometimes when money is tight you start cutting expenses and health insurance is one of the first things to go. Especially if you’re healthy you think “well, I don’t use it, I don’t need to pay for it”, but that way of thinking can be detrimental.  While being healthy is great, the objective here is to maintain that health throughout one’s life. Unfortunately, neither disease nor accidents can be predicted. Without health insurance, you are responsible for all of your medical expenses. Which poses a substantial threat to your financial and medical stability.

Health Benefits Of Health Insurance

The greatest benefit of health insurance is access to necessary medical care. Health insurance provides access to a comprehensive network of physicians, specialists, hospitals, and laboratories. This network collaborates with you and each other to help you prioritize wellness and prevention. In fact, the majority of healthcare plans include free preventative services, such as immunizations and screenings, to help you stay healthy and avoid illness and its consequences.


Additionally, the Affordable Care Act requires Marketplace plans to cover pre-existing conditions. This means that even if you already have a chronic illness, you will not be denied coverage or charged more for your pre-existing condition. Since you’ll have regular access to the necessary doctors and specialists, your healthcare plan will also assist you in managing the care for any chronic illnesses you may be living with. 


Your health insurance provides you with the most effective means of maintaining your health. Having access to this type of continuous care can ultimately result in a longer and healthier life. In fact the mortality rate of adults between 17-64 without health insurance is 40% higher than those without insurance, according to the National Library of Medicine.

Financial Benefits of Health Insurance

Health insurance protects not only your health but also your finances. With an insurance plan, you will have less out-of-pocket healthcare costs, as your insurance will cover your medical services for a monthly premium. You will also be healthier, which will lower your out-of-pocket costs. Consider how much you would pay out of pocket for an unexpected medical emergency Which could easily cost you thousands of dollars. 

Working With An EZ Agent

It can be frustrating to organize your own health insurance because there are so many variables to take into account. Why not let a professional do all the hard work for you, for free? A licensed EZ insurance agent can describe the advantages and disadvantages of each plan, and help you choose the best plan for your needs. EZ agents can save you hundreds annually on health insurance premiums. This is accomplished by our ability to search both on and off market for the most cost-effective plans. We can also locate and apply any discounts you may be eligible for. And we don’t stop at finding you a plan; we also assist with plan maintenance after the fact! We can assist you in filing claims with your insurance company and renewing your policy when the time comes. To begin, enter your zip code in the box below or call one of our licensed agents at 877-670-3575.

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Your Guide to Healthcare Options During Open Enrollment

The health insurance Open Enrollment Period (OEP) is here, and you might be feeling a little overwhelmed. Sifting through all the different health insurance options available to you in your region can be tricky, but you know you and your family need to have health insurance to be protected. Don’t worry, though, if you work with a knowledgeable EZ agent, you’ll be able to find an affordable plan that will give you exactly what you’re looking for. Before you do that, we’re going to give you some guidance on how to start looking for the right plan for you.

What Is Open Enrollment?feet with 3 arrows

The Open Enrollment Period (OEP) is the one time during the year when you can change, cancel, or purchase a new health insurance plan. Depending on what state you live in, it begins on November 1st and lasts until mid-to-late January. It is the perfect time to assess your current health insurance plan, check if it’s going to change in the new year, and decide if it will fit your future needs or if it’s time to get a new plan.

Terms You Need to Know

If you’re looking at plans, you will come across some terms that might be unfamiliar to you, or that maybe you’ve never fully understood. To get a full understanding of your options, you should feel comfortable with the following terms::

  • Premium– The amount you need to pay per month to keep your health insurance plan active. 
  • Deductible– The amount you will need to pay for healthcare services before your health insurance kicks in and pays the rest of your bills. For example, if you have a $2,000 deductible, you will have to pay that amount in medical bills before your plan covers your healthcare expenses.
  • Network- A group of hospitals, doctors, and other healthcare professionals that are covered by your plan.
  • Copay– A set amount you will pay when you see a healthcare professional. For example, you might have to pay $20 every time you see your primary care doctor and $30 when you see a specialist.
  • Coinsurance– The percentage you’ll pay for healthcare services after you meet your deductible. For example, you might have to pay 20% of a covered service, so if a procedure costs $200, you’ll pay $40.
  • Out-of-pocket maximum- The most you will pay out-of-pocket per year for your healthcare. Typically this will include your copays, coinsurance, and deductible.
  • High-deductible health plan (HDHP)- A type of plan that has a high deductible and lower premium. You can also get a health savings account (HSA) alongside a HDHP that allows you to set aside pre-tax dollars towards qualified medical expenses. These types of plans are typically best for people who are healthy and do not see the doctor often.
  • Exclusion- What your plan will not cover – for example, cosmetic surgery.

Choosing A Plan

When trying to select the right health insurance plan for you and your family, you will come across many different choices. The right one for you will depend on your lifestyle, the doctors you want to see, and any medical equipment you need or medications that you take regularly. You should also take into consideration if you have children, especially if they play sports and might need to go to the emergency room.

You will also need to think about any possible changes in your life in the upcoming year. For example, will you be starting a family, getting married, going through a divorce, or any other life-changing event that will affect how much health insurance you need? Any of these events will mean you’ll need to reconsider your coverage.

person with a tablet and gears next to it

In addition, you should look carefully at the different types of plans available, including HMOs and PPOs. With an HMO, you will get lower premiums, but you will be limited to a restricted network. PPOs, or preferred provider organizations, on the other hand, have a larger network. You will also have different metal tears to choose from which offer a range of coverage options and price points. Generally, the difference between the tiers lies in what percentage of your expenses the plan covers. 

Last but not least, you should look into subsidies that you might qualify for, especially now that they have been extended through the American Rescue Plan Act. You may now qualify for subsidies that you might not have qualified for a year or two ago. This is why it’s very important to work with a knowledgeable agent who can go over all of your needs to make sure you find the perfect plan for you and your family. 

Need Help?

Comparing plans is the best way to find an affordable plan that provides the right level of coverage for you. Before you start doing the work of comparing on your own, come to EZ. We will make the process quicker and easier by comparing available plans in your area in minutes. Our licensed agents work with all the top-rated insurance companies in the nation and can go over your budget and needs, and find the best plan for you and your family. We compare plans and offer guidance at no cost to you. To get free quotes, simply enter your zip code in the bar above, or to speak directly with an agent, call 888-350-1890.

When Is Open Enrollment for 2023?

When it comes to your health insurance, Open Enrollment is the most important time of the year. This is the time that you’ll be able to change your plan, or enroll in a new one that better suits your needs and saves you money. So you have to know when the Open Enrollment Period, or OEP, starts and how long it lasts so that you don’t miss out! 

The 2023 OEP begins November 1st, 2022 in most states, and since changes to the OEP last year, it generally runs through January 15th in most states. Some states, though, have extended their OEP a little longer. Take a look at the following so you know when your state’s OEP begins and when it ends.

States With January 15th Deadlines

  • Alabama

    map of the US
    There are currently 33 states that have a January 15 deadline for the health insurance OEP.
  • Alaska
  • Arizona
  • Arkansas
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas 
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

States with Different OEP Dates

Some states with their own ACA exchanges have different date ranges for the 2023 Open Enrollment Period. The chart below shows the State Enrollment Period (SEP) and OEP dates for these states; other states have not yet announced their dates (these are also listed below).

StateState Open Enrollment Period for 2023 Plans
CaliforniaNovember 1, 2022 – January 31, 2023
ColoradoNovember 1, 2022 – January 15, 2023
ConnecticutNovember 1, 2022 – January 15, 2023
IdahoOctober 15, 2022 – December 15, 2022
KentuckyNovember 1, 2022 – January 15, 2023
MaineNovember 1, 2022 – January 15, 2023
MarylandNovember 1, 2022 – January 15, 2023
MassachusettsNovember 1, 2022 – January 23, 2023
MinnesotaNovember 1, 2022 – January 15, 2023
NevadaNovember 1, 2022 – January 15, 2023
New JerseyNovember 1, 2022 – January 31, 2023
New MexicoNovember 1, 2022 – January 15, 2023
New YorkNovember 16, 2022 – January 31, 2023
PennsylvaniaNovember 1, 2022 – January 15, 2023
Rhode IslandNovember 1, 2022 – January 31, 2023
VermontNovember 1, 2022 – January 15, 2023
Washington DC November 1, 2022 – January 31, 2023
WashingtonNovember 1, 2022 – January 15, 2023

Looking For Affordable Health Insurance?magnifying glass in a blue circle

The health insurance Open Enrollment Period is open from November 1 until January 15 (depending on your state), so now is the perfect time to reconsider getting a health insurance plan, or looking into your current one and making sure it’s got you covered. And if your plan doesn’t cover everything you need it to, it’s time to find a plan that does, so you can save as much money as possible. 

If you’re shopping for a plan, your best bet is to speak to a licensed EZ agent. Our agents work with the top-rated insurance companies in the nation, so we can compare plans in minutes. We will not only find a plan that has all the benefits you’re looking for, but we will also make sure the plan meets your financial needs. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local agent, call 888-350-1890. No obligation.

4 Things You Should Be Doing to Plan for the Open Enrollment Period

The Health Insurance Open Enrollment Period is coming up: starting November 1st, you’ll have around 6 weeks to find a plan that meets your needs. That means a lot of information about all the different health insurance plans available, and information about any changes to your current plan will soon be coming your way. You’ll have to sort through all of this while trying to figure out how much coverage you need, and what you can afford, which can feel like a lot. And this time is going to come and go quickly! That means it’s important to begin planning now, so you are ready and don’t feel rushed during the process.

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EZ’s agents independent, but they are also always up-to-date on newer healthcare plans.

1. Choose an Unbiased Agent

Who you choose to work with when looking for a health insurance plan is a very important decision, and plays a big part in finding a comprehensive, affordable plan. It’s important to work with a licensed, knowledgeable agent who is not connected to a certain type of health insurance plan or insurance company, so you can get an unbiased look at all available options in your area. 

EZ’s agents work with the top-rated health insurance companies in the nation, and we guarantee that we will compare all plans in your area so that you can find the perfect plan. And not only are our agents independent, but they are also always up-to-date on newer healthcare plans, so they can provide you with all the information that you need before you make your decision.

2. Consider ALL of Your Options

After choosing to work with an EZ agent, you can simply ask them to research every option that you have, as well as help you weigh all the pros and cons of each plan. There are many different types of healthcare plans available, including PPO plans, HMO plans, or metal tier plans; if you’re not sure what’s best for you, an EZ agent will go over all of these different plan types, and will not try to limit you to a certain plan. We will lay all of your options on the table and review the coverage and cost of each one.

3. Ask the Right Questions

When it’s time to start searching for plans, think ahead of time about what you want to ask your agent, and what is important to you in a plan. In addition to asking about prices and coverage options, have a list of questions you want to ask, like:  woman looking up with question marks all around her

  • Is advanced primary care included in the plan?  
  • Can you keep your current doctor? 
  • Do you qualify for subsidies for any of the plans? 
  • Can you see doctors outside of your network?
  • Is mental health care (or anything else you’re interested in having covered) covered?
  • Is a higher deductible or lower premium plan better for you?

4. Find the Plan That Has the Most Value

People often choose the cheapest plan available, but this cheapest plan might not have the best benefits available for the price. A good health insurance plan will come from a quality carrier, provide comprehensive benefits, allow you to see the doctors you want to see, and have affordable co-pays. And remember, if you go for the cheapest plan available, you might end up paying more out-of-pocket when you use medical services. Our agent will review your medical needs and budget, and search for a plan that will check all the boxes for you.

Need Help? EZ’s Got You Covered

The health insurance Open Enrollment Period will be open from November 1st through January 15 (depending on your state), so now is the perfect time to reconsider getting a health insurance plan, or to look closely at your current one to make sure it will cover all of the above-mentioned costs. And if your plan doesn’t cover everything you need it to, it’s time to find a plan that does, so you can save as much money as possible. 

If you’re shopping for a plan, your best bet is to speak to a licensed EZ agent. Our agents work with the top-rated insurance companies in the nation, so we can compare plans in minutes. We will not only find a plan that has all the benefits you’re looking for, but we will also make sure the plan meets your financial needs. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local agent, call 888-350-1890. No obligation.

Questions To Ask When Requesting Health Insurance Quotes

The Open Enrollment Period is coming to an end soon, and if you still haven’t looked into your health insurance options for the new year, now is the time to do so. But we get that picking a plan can be overwhelming because of all the options out there, so we want to give you the inside scoop on finding the best plan for you: your best bet is to work with an insurance agent. They know the ins and outs of health insurance and work with every insurance company, so they can get you the best possible plan. The best part? If you work with an EZ agent, we will compare plans for you for free! So if you’re ready to get started, we’ve got the most important questions to ask when requesting health insurance quotes from your EZ agent.

What Types Of Plans Are Available?

There are a lot of plans – and we mean A LOT – of different plans out there to choose from. There are metal tier plans, HMOs, PPOs, POSs, EPOs, and more. Each plan offers different levels of flexibility, coverage options, and rates; your available options also depend on where you live, so be sure to ask your EZ agent which plans are available in your region. We will gladly go over every single option and discuss the difference between each plan, so we can help you determine which one is right for you and your family.

What Are The Metal Tiers?

Health plans available on the ACA Exchange are separated into four metal tiers. These tiers do not indicate the level of care you will receive; rather, the tiers let you know how much you will pay for care and how much your insurer will pay. The tiers are:different colored badges, one silver, one gold, and one bronze

  • Bronze– Lower monthly premiums, but a higher deductible and copays. You will usually pay an average of 40% of costs of care, and your insurer will pay 60%. 
  • Silver– Moderate monthly premiums and moderate medical costs. You will pay 30%, and your insurer will pay 70%.
  • Gold– Higher monthly premiums with lower out-of-pocket costs. You will pay 20% and your insurer will pay 80%. 
  • Platinum– Highest monthly premiums and lowest out-of-pocket costs. You will pay 10% and your insurer will pay 90%. 

We will be able to go over this in more detail, including what each type of plan will cover and how much you will pay, so you can have a better understanding of how these plans work.

Can I Add Supplemental Insurance?

Dental and vision are considered supplemental insurance plans; some health insurance plans do not offer these, so you will have to ask if they are part of the plan you are looking into. If they are not, we can help you find affordable dental and vision plans. 

What is A HDHP & Will It Work For Me?

High deductible health plans are exactly what they sound like: these plans have high deductibles, but in exchange, you will have low affordable monthly premiums. These plans are generally for healthy people who only see the doctor for annual physical exams and do not have any chronic conditions that require constant medical attention, and who will most likely not have to pay their whole deductible. For 2022, the Internal Revenue Service has defined a HDHP as any plan with a deductible of at least $1,400 for an individual, or $2,800 for a family.

How Are Medications Covered?

money made out of medication pills
Medications are covered differently on plan’s drug formulary, which determines how much your medications cost.

Figuring out the cost of your prescriptions can be a little complicated since different insurance companies can charge differently for the same drug – some drugs might even be covered differently by the same insurer depending on the plan you choose. Basically, insurers put medications into  a drug formulary, which is divided into four tiers:

  1. Tier 1– Inexpensive generic drugs
  2. Tier 2- Brand name drugs and more expensive generic drugs
  3. Tier 3– Non-formulary drugs, generic or brand name
  4. Tier 4- Specialty drugs

To find out which plans cover your medications and how much you will be charged based on their placement in the insurer’s drug formulary, you need to speak with an EZ agent. We will review each plan available in your area and their drug formularies to make sure that your medications are covered, and that they will not cost you an arm and a leg. 

What About Out-of-Network Coverage?

Some plans, like HMOs, will not cover out-of-network coverage, but PPO and POS plans do cover out-of-network coverage in case of an emergency. If you travel or visit family in other parts of the country often, you’ll definitely want to consider a plan that covers out-of-network emergencies; otherwise, if you have an accident while away from home, you could be stuck with a bill that you have to pay out-of-pocket.  

Do I Need Referrals?

With some plans, you’ll need a referral from your primary care physician (PCP) to see a specialist, like a gastroenterologist or an orthopedic doctor. If you want to skip this step and see a specialist whenever you feel necessary, we can help you find a plan that does not require a referral. You’ll have more flexibility with a plan that doesn’t require referrals, and you won’t have to pay a PCP copay just to get a referral to see a specialist.

There are so many things to think about when looking for a health insurance plan for you and your family. Do you want more flexibility? Supplemental insurance? Cheaper prescriptions? The easiest way to find the right plan for you and get the answers to these questions is to work with an EZ agent. We will compare plans, go over every option, discuss your needs, and help you sign up for the plan you need, all at no cost to you. Our services are completely free, with no hassle and no obligation. Speak to an EZ agent now, before the OEP ends! Get free health insurance quotes by entering your zip code in the bar above, or to speak with a local agent, call 888-350-1890.

How to Avoid Astronomical Out-of-Pocket Medical Bills in 2022, Even if You Contract Covid

New reports surfacing show that people who dealt with Covid-19 in 2021 are now facing thousands of dollars in out-of-pocket medical costs from their hospitals, doctors, and ambulance companies. When the pandemic first started in 2020, doctors and hospitals were waiving fees such as co-pays and deductibles, when it came to Covid patients. That is no longer the case, leaving many people surprised with devastating out-of-pocket medical bills of $3,000 or more. Find out how you can avoid these debilitating costs this year. 

Average Medical Charges

evelope with the words final notice on it coming out of a red mailbox
People have been getting astronomical medical charges due to Covid hospitalization and treatment. 

The average Covid hospitalization costs approximately $40,000, researchers have found; many patients with job-related or self-purchased private insurance who did not have a waiver for medical services had to pay on average about $3,800 out-of-pocket for hospital care or other medical services due to Covid.

The study also suggests that insurer cost-sharing waivers for COVID-19 hospitalizations don’t always cover all hospital-related care. Overall, about 71% of insured patients who had a waiver still received a bill for any hospitalization, with an average cost of $788. 

So why were Covid patients required to pay so much more out-of-pocket medical bills in 2021 than they were in 2020? Well, as already pointed out above, most insurance companies stopped waiving fees,  changing their policies once the Covid vaccines became readily available to the public. 

“Many insurers claim that it is justified to charge patients for COVID-19 hospitalizations now that COVID-19 vaccines are widely available,” said study lead author Dr. Kao-Ping Chua, a health policy researcher and pediatrician at Michigan Medicine in Ann Arbor.

“However, some people hospitalized for COVID-19 aren’t eligible for vaccines, such as young children, while others are vaccinated patients who experienced a severe breakthrough infection. Our study suggests these patients could [have] substantial bills,” Chua said in a university news release.

How Can You Avoid These Charges?

The first way to avoid these charges? Protect yourself by getting the Covid vaccine. With that being said, even if you are vaccinated, you can still get a breakthrough infection, and you can still expect a bill if you seek care. So, the best way to avoid these charges is with a comprehensive and affordable health insurance plan: there are plenty of health insurance plans that will cover the majority of the costs, you just need to find the right one. In fact, with the right insurance plan, you could receive a waiver if you are hospitalized due to Covid, saving you usually around $2,000 or more.two hands shaking with a red heart in the background

Fortunately, you still have time: the Open Enrollment Period (OEP) has been extended until January 15 this year, so speak to an EZ agent now about how to enroll in a great plan without having to wait for a Special Enrollment Period qualification. Nobody should have to go without health insurance, especially during these difficult times, so if you would like to review options in your area, contact a local licensed EZ agent. Our agents are highly trained and work with the top-rated insurance companies in the nation, making comparing plans fast and easy. To get free quotes, simply enter your zip code in the bar above, or to speak with a licensed agent, call 888-350-1890.