For Consumers

Health Care Options Matrix

There were as many as 45 million Americans who went without health insurance coverage at some point during the last year. Many of these people may not have obtained needed medical care as a result, and all took a significant financial gamble.

The National Association of Health Underwriters (NAHU), a professional association of more than 20,000 health insurance agents, brokers and benefit specialists, is extremely concerned about the problem of the uninsured. One of our primary goals is to help ensure that Americans have access to appropriate health coverage.

To help address this problem, we have developed the Health Care Coverage Options Database, an online tool to help make American health care consumers aware of all of the coverage options available to them. The Database contains information about private health insurance coverage, as well as the many public and private programs available to Americans to help them obtain the medical care they need.

Policymakers, the media and other interested parties can also use the Database as a means of comparing health care coverage options for Americans on a state-by-state basis.

Consumers in Indiana can click here for more information.

Buying Health Insurance?

Everyone needs medical care sometime, and the most common way to pay for it is through private health insurance coverage. While most Americans have some type of private coverage, the different types of insurance and how they work can be confusing and difficult to understand.

When you need to purchase health insurance, turning to a local insurance agent or broker is always a smart first step. Whether you’re looking at health, dental, disability or long-term care, your agent or broker will help you identify the benefits that will satisfy your individual needs or the needs of your company. They not only look out for your bottom line, but they also work to make sure you get the products that are right for you.

Expertise matters

Professional health insurance agents and brokers provide the expertise you need to make the right choices. They are experts who:

  • Know the market by distinguishing the best products from the merely adequate.
  • Know the law by reviewing state and federal legislation and regulations that impact the sale of health insurance products.
  • Know the industry by completing stringent licensing requirements and continuing education courses.

Your health insurance agent will help you:

  • Review your unique needs.
  • Learn about different insurance companies and types of coverage that can satisfy your specific concerns.
  • Ease the burden on your time by doing the “legwork” for you.
  • Get the most from your coverage after you’ve bought it.

Independent agents and brokers work for you and not any one insurance company. This ensures that your ongoing needs are their priority.


For more information and help, see our Glossary of Terms, Questions & Answers, and Consumer Guides

Can’t find what you’re looking for? Contact us.

IndyAHU is a partner of ISAHU

2020 NAHU Website award winner

IndyAHU is a partner of NAHU

NAHU represents more than 100,000 licensed health insurance agents, brokers, general agents, consultants and benefit professionals through more than 200 chapters across America.