Just like there are different types of families, there are also many different types of family health insurance plans and options. Family health insurance is constantly changing; new products are being offered, new policies are being instated and new laws are changing the way insurance is regulated. Its important to check your insurance policy and coverage whenever there is a change in your family or job status. Its also wise to compare quotes on different family insurance plans from time to time. This will ensure youre always getting the best coverage available for the best price.

There are a few different types of insurance available to families:

• Group Insurance Through Your Employer
  Some employers offer group insurance options, making coverage accessible to immediate family members such as children and spouses. Unfortunately, not all employers are able to afford this type of coverage.
  


• Individual and Family Health Insurance
  Families that do not have access to group insurance through their workplace must secure insurance independently. Most insurance providers have several options for family insurance plans that the individual can choose from.
  
  There are two main types of plans:
  
  
  
  1. Indemnity
     An indemnity plan generally offers more affordable rates and even access to the largest network of physicians. The drawback to these plans is that you typically pay the majority of medical bills up front until a deductible is met. Once you reach a hefty deductible, the insurance company generally pays the remainder of your bills.
     
  
  
  2. Managed Care
     There are three main types of managed care plans: HMO, PPO and POS. These types of plans use a network of healthcare providers that are covered under your insurance. These family insurance plans generally do not require you to pay up front, out of pocket expenses, but may have some limitations on what doctors you can see.
     


• Medicaid
  For those that cannot afford private family health insurance due to unemployment, or other financial reasons, Medicaid is available. Medicaid provides health coverage to people with limited means and resources to ensure that their basic healthcare needs are met.
  


• US Family Health Plan
  The US Family Health Plan is sponsored by the US Department of Defense and is exclusive to military family members. This is a comprehensive family health insurance package designed to meet all medical needs of US military members, veterans and their families.
  

With so many family insurance plans available to choose from, its important that you consider all the options and compare quotes from insurance providers to ensure that you are getting the best coverage for the best price.