How to choose the right health insurance plan is one of the most important decisions families make—but it’s also one of the most confusing. From ACA plans to health shares and short-term coverage, the options can feel endless and overwhelming.
In a recent episode of the Heal Without Harm Podcast, ICT Insurance Group’s Chief Operations Officer, Drew Walters, joins host Clayton Dir to break down the process. Together, they explore practical strategies, insider insights, and tools you can use to make smarter health insurance decisions.
If you’ve ever wondered how to choose the right health insurance plan for your family, your lifestyle, or your budget, this episode delivers answers.
Listen Now: Heal Without Harm Podcast
Why Choosing the Right Plan Can Be So Difficult
Let’s face it—health insurance isn’t easy to understand. You’re bombarded with confusing terms, rising costs, and plan options that seem to change every year. In the episode, Drew explains:
- Why one medical event might result in multiple bills
- How pre-existing conditions and waiting periods affect different types of coverage
- What you’re really paying for in premiums and deductibles
Understanding how the health insurance system works behind the scenes is key to choosing the right plan. Drew’s advice helps listeners cut through the noise and focus on what truly matters.
The Best Coverage Options Explained
A big part of how to choose the right health insurance plan is understanding what options exist—and which are a fit for your situation. Drew unpacks several types of plans in easy-to-understand terms:
✅ ACA Marketplace Plans
These are comprehensive, federally regulated plans that include protections for pre-existing conditions and essential health benefits. If you qualify for subsidies, they can be one of the most affordable options for families, individuals, and the self-employed.
✅ The “Family Glitch” Workaround
Many people don’t realize they qualify for help. Drew discusses the Family Glitch, a rule that disqualifies some families from subsidies if just one member has “affordable” employer coverage. But there are ways to work around it by combining employer coverage with ACA plans—a strategy that can save thousands annually.
Learn more about the Family Glitch and how to fix it.
✅ Health Share Programs
These are faith- or community-based alternatives to traditional insurance. While they’re often cheaper, they don’t guarantee payment or include the same protections as ACA plans. Drew explains who these are right for—and who should avoid them.
✅ Short-Term Medical Plans
If you need temporary coverage (between jobs or outside open enrollment), short-term plans may be a solution. But they often don’t cover pre-existing conditions or preventive care. Drew walks through when they work—and when they don’t.
How to Choose the Right Health Insurance Plan: 4 Key Steps
When it comes down to it, choosing the right health insurance plan means weighing your health, budget, and lifestyle. Drew recommends these four key steps:
1. Assess Your Needs
How often do you visit the doctor? Do you need ongoing care or prescriptions? Knowing your usage helps you compare coverage realistically.
2. Balance Premiums and Deductibles
Low premiums can mean high out-of-pocket costs. High premiums often offer better coverage upfront. Find your sweet spot based on risk and budget.
3. Review the Provider Network
Is your doctor in-network? Will you need to change providers? Drew emphasizes that network access can make or break the value of your plan.
4. Look for Cost-Saving Opportunities
From subsidies and tax credits to combining coverage types and using Direct Primary Care (DPC), there are ways to save if you know what to look for.
Why ICT Insurance Group?
At ICT Insurance Group, we specialize in helping families, individuals, and small businesses in Kansas and across 29 states choose the right health insurance plan—and feel confident doing it.
We’re proud to offer:
- ACA and Marketplace plans
- Medicare and Medicare Advantage
- Life, Dental, and Vision coverage
- Guidance from licensed, local agents
- Transparent, personalized service
📞 Call: (316) 440-6111
📧 Email: info@ictinsurance.com
