Health insurance has become a virtual necessity in today's economy - and a legal requirement. The question is not so much whether to get health coverage but which type of policy to purchase. But how do you know which policy is right for you?

With tens of millions of US adults over the age of 65 and more health insurance options than ever before, it's the perfect time for today's seniors to use an experienced health insurance agent when selecting a new policy.

There are many good reasons to rely on an experienced health insurance agent when you go to sign up for a new health policy, but one of the most exciting to most people is undoubtedly the way an agent can help them save money.

When you have children, anxiety over getting a good health plan for them can be great. You may not be sure what options are available or if you can afford to ensure every member of your family, regardless of age. 

It's no secret that healthcare costs in the US keep on rising with every passing year - just like all prices on everything keep on going up. There is no reason to expect the year 2020 to be any different in this respect.

Open enrollment for marketplace health insurance plans for 2020 started on the first of November of 2019, but in most states, it only continued to run until December 15th. Depending on when you read this, there still may be time to enroll!

You may have received a letter from your current health insurance company saying you will be automatically signed up for 2020 coverage, while also receiving a letter or emails from healthcare.gov saying you need to sign up again this year.

The open enrollment period for 2020 has already started, but you still may have time to enroll if you get ready and do it before 15 December. (In some states, enrollment periods may continue for even longer.)

It's that time of year again - open enrollment for the health insurance marketplace. Those who went through 2019 without any coverage will be preparing to change their uninsured status, while those who already have a health plan will be working to keep it or switch to a better one.

Using a health insurance agent or broker to help you quickly find your next policy is a huge help. But you want to come to the conversation fully prepared. After all, coming unprepared could mean having to "get back to you later" on that with more information OR a long, stop-and-start call.