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Choosing a Policy: Health Insurance for Job Seekers

health insurance for job seekers

When you are seeking employment, one of the benefits you look at is whether the employer provides health insurance and the type of coverage you will be receiving. According to the U.S. Bureau of Labor Statistics, 94% of people participating in their employer's health insurance plans contribute to the cost. In 2020 the average employee contributed $6,797 for family coverage.

The benefit of health insurance for job seekers varies among employers. Benefits available depend on the size of the company, hours you will be working, the actual coverage provided, and the employee contribution amount.

When looking at employee benefits, you need to look at the health insurance policy your employer is providing. Compare the coverage and costs with that of purchasing your own insurance outright. You may also want to purchase a supplement for better coverage.

If you are an employer and want to attract the top talent in your industry, you need to compare coverage and costs among several providers. The goal is to provide your employees with the best coverage for the least amount of cost. Whether employer or employee, here are some things you want to consider when comparing health insurance policies.

The Importance of Health Insurance for Job Seekers

Health insurance is designed for people under 64-1/2 years of age. When you reach 64-1/2 years you qualify for Medicare. Because of Social Security’s increase of retirement age to 67 for those born after 1960, anyone born that year or later will not receive 100% of their Social Security retirement benefits until that age. By waiting an additional three years, until age 70, they will collect 124%.

Because of these changes employers are likely to see more people waiting until later in life to retire. If a person is working full-time at 65 for an employer with 20 or more employees and health insurance benefits, they do not have to enroll in Medicare. If the company has fewer than 20 employees, the employee must sign up for Medicare at 64-1/2 years.

Both employers and employees need to take these factors into consideration when considering health insurance coverage. Good insurance includes medical, prescriptions, and surgeries. It may also cover additional services such as dental and visual. 

Every insurance plan includes information regarding what percentage of the costs are paid by the insurance and what percentage is paid by the insured. It may also list specific dollar amounts the insured must pay, called co-pays. This generally is a set amount, such as $25 co-pay for office visits and $35 co-pay for visits to a specialist.

The Importance of Providing Health Insurance for Employers

When an employer provides a benefits package that includes health insurance, the company reaps the rewards. The top benefit is you will attract top industry professionals. If a potential employee has two comparable job offers, one from a company offering insurance and one that does not, they will most likely select the company providing that benefit.

When your employees have good medical insurance they are able to seek preventative medical care. Preventative care, including regular health checkups, results in fewer sick days. When health insurance is paired with paid sick days, you keep employees who are not feeling well away from the office, preventing full-office contamination.

Providing employees with worthy benefits such as health care insurance, makes them feel valued. An employee who feels their worth is appreciated is more likely to work harder, stay on the job longer, and speak favorably of the company. The long-term impact is less employee turnover.

Essential Health Insurance Benefits

There are areas of coverage that health insurance must cover under the Affordable Care Act. This includes the following:

  • Primary care physician visits
  • Specialist office visits
  • Outpatient hospital care
  • Inpatient hospital care
  • Prescription coverage
  • Prenatal, Postnatal, and childbirth
  • Mental health services
  • Substance abuse services
  • Emergency services
  • Rehabilitative services
  • Laboratory work
  • Preventative and wellness chronic disease management
  • Pediatric services including visual and dental
  • Visual coverage for adults
  • Dental coverage for adults

Some benefits are paid in full by the insurance, others include a co-pay obligation. It is important to compare what your coverage and co-pay obligations are in each of these areas when shopping for insurance.

Health Insurance Must Include Maternity Care

The Affordable Care Act (ACA) requires that health insurance provide maternity care. Because the ACA eliminates pregnancy as a pre-existing condition, your insurance may not charge a higher premium nor drop you from their insurance because of pregnancy.

If you are of an age where you may become pregnant your coverage and costs in this area are important. Prenatal care, labor and delivery, and postnatal care are costly. A birth typically runs between $5,000 to $11,000 for normal vaginal delivery. 

About seven out of every ten births requires a C-section, which increases the cost from $7,500 to $14,500. If you are a high-risk pregnancy or complications arise the costs increase significantly. If your newborn requires special care after birth, hospitalization charges are substantial.

Take these things into consideration when comparing premiums, coverage, deductibles, and co-pays.

Using a Cost Comparison on Insurance Rates

You need to compare health insurance rates from different carriers. The easiest way is to find an insurance marketplace that provides you with available options based on the state you live in. The first thing to decide is the type of plan you want to purchase:

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)
  • Point of Service Plan (POS)
  • Exclusive Provider Organization (EPO)
  • High Deductible Health Plan (HDHP)
  • Medicaid or Medicare

Request quotes for the same type of plan from all providers. This allows you to compare the rates, benefits, and costs on an equal basis. When comparing health insurance plans you will want to compare the coverage limits, out-of-pocket costs, deductibles, and the cost of premiums.

Don’t forget to check what the insurance actually covers. This includes whether your doctors are in the network and if they provide additional services beyond normal coverage. This includes chiropractic, hospice, nursing home, mental health, and drug rehabilitation.

Health Insurance Cost Comparison Marketplace

Obtaining good health insurance at a reasonable cost requires looking at various criteria pertinent to the needs of the employer providing insurance and the employees using that coverage. The best benefits packages draw in top job candidates who become dedicated employees, lowering employee turnover.

Conducting a cost comparison on health insurance for job seekers is easy when you use Simply select your state and enter your criteria. We will provide you with an online cost comparison of several insurance providers.

We invite you to use our online form or call (844) 735-0032 to speak with an agent. Take these first steps to offer an awesome employee health insurance benefit package today!

QuoteLab, LLC
700 S. Flower St., Suite 640,
Los Angeles, CA 90017 is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at

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