Employer-Sponsored Insurance is often your most affordable option because employers typically pay part of the premium costs.
What to know:
- Plans vary widely in design, network, and costs
- You can choose during annual open enrollment (usually once per year)
- New employees may have a waiting period (30-90 days) before eligibility
- Can cover spouse and children (kids can stay on until age 26)
- Special enrollment window when you first become eligible
Best for: People with access to employer benefits who want affordable, comprehensive coverage